As long as Huabei repays the loan on time, it will not accrue interest. What does Jack Ma make?

In this way, there will be many people who use Huabei, which will allow Alipay's funds to circulate, and there will always be some people who cannot repay on time and will generate interest.

By charging the merchant withdrawal fee, the interest generated by the buyer's failure to repay the loan in full is Huabei promotes people's consumption and directly brings the economy.

It can earn money by installments. Nowadays, many people choose to apply for installments because they have no way to repay the money. There will be interest on installments.

Not all Huabei orders are interest-free, most Huabei orders are interest-free, and after the buyer uses Huabei to pay, Alipay will also deduct a part of it from the merchant as a service fee.

If you repay the loan on time, you will not ask for interest, but if you do not pay on time, the interest may be higher.

If Huabei repays on time, it will not ask for interest, so we can usually spend money with Huabei, and this platform is good.

No, if you repay the loan on time, you will not generate interest, and Huabei has specific interest ratio requirements.

There will be no interest, as long as you repay the loan on time, there are no other fees, and it is better for your credit information.

It is interest, but if you pay it back, the interest will be reduced.

This Huabei repayment paid more than six yuan in interest? I paid it back a few days in advance.

1. As long as it is used for consumption, it can make money without generating interest. 2. When Huabei cannot repay on time, interest will be generated.

Merchants need to charge a certain handling fee for cash withdrawal, and some people will incur interest because they do not repay in time, Huabei attracts traffic and promotes consumption, so its platform can earn more money.

As long as someone uses this applet, they will be able to have a harvest. In addition, there are more people who use this small program, so their interests are great.

Mainly because many people are not able to repay their loans on time, or because they are busy and forgetful, so they take advantage of this loophole to make money.

Because Huabei repays on time, there is no loss for Alipay, some people are able to repay on time, and some people are not able to repay on time, so some interest will be repaid, and the amount of Huabei can also be used for other investment purposes.

Because this is a marketing method, many people will use Huabei, and Huabei can help us solve many problems, and it is also very creditable, if you repay on time, you will not charge any interest at all. But we don't know how Jack Ma makes money in this way, because this is someone's trade secret.

Because Huabei is originally a consumer tool in the Internet era, it is just a trading platform, and Ma Yun earns concentrated benefits through trading on the trading platform.

Huabei is the same as a credit card, if the customer is used to it, then a handling fee can be charged after the installment like Huabei.

Huabei is used in the current month, and it will not generate interest if it is repaid the next month, which is theoretically true, for the group of people who can repay the loan in time, Huabei really can't make much profit from them. But back to reality, you'll find thatMany people may be able to return Huabei on time when they first use it, but the more they use it, the larger the funding gap, and many people can't pay it back

This is also normal, Huabei itself represents advanced consumption, the same as credit cards. When will ordinary people think of using Huabei, of course, there is no extra deposit in hand, and it is time to overdo it. In the case of tight funds, once there is a large amount of consumption, unemployment, medical care, etc., it is easy to fail to repay the loan normally.

Once the user is unable to repay the loan on time after using Huabei, Huabei will have certain benefits.

Generally speaking, the interest on the full penalty interest is that if you owe 1000 yuan overdue, you need to generate 5 cents of interest every day after the overdue, which is 15 yuan a month.

On the surface, it doesn't seem high, but if it is based on the time of one year, plus the total number of overdue users in the country, it is also a big profit.

If the user cannot repay the full amount after the repayment date, he can pay the minimum repayment first, and the minimum repayment will not be included in the credit investigation after the minimum repayment. However, even after the minimum payment, interest will still be calculated on the remaining outstanding amount on a daily basis.

Don't underestimate it, after the interest rollover, the more you go to the back, the higher the interest.

If you owe too much money on Huabei at one time and are unable to repay it after expiration, users can also choose a method, which is to repay the loan in installments. In other words, if you borrow 10,000 yuan and choose to repay it in installments, it is equivalent to 10,000 yuanAfter the final full repayment, there will be an additional 450 yuan handling fee.

As soon as there are more people in installments, profits will follow.

Therefore, even if Huabei can't make a profit on late fees and installment fees, it can still earn high profits on merchants. The above are some of the ways for Huabei to earn user profits, do you feel surprised after reading it, it seems that Huabei, which does not charge, has already earned a high profit in a place where you can't see it.

The emergence of Huabei has indeed facilitated the lives of many people, but due to the nature of Huabei itself, it is an electronic banknote, and it can be consumed in advance. Invisibly, people have a feeling that they still have a sum of money that they have not used, and at the same time, because it is a number, not a banknote, many people in the process of using Huabei consumption, they will not experience the feeling of real gold, and it is easy to overconsume.

In this regard, what I want to tell you is that Huabei has a quota of 10,000 yuan, but it does not mean that you have 10,000 yuan, and you will always have to pay it back as much as you spend. Therefore, everyone must consume rationally and live within their means.

If Huabei repays the loan within a certain period of time, there will be no interest, but consumers will charge a handling fee to the merchant when they use the Huabei payment platform, which is not completely free. When we shop on ** and choose to pay for more expensive goods, usually the system allows us to choose to use Huabei to pay in installments, and when we choose to pay in installments, we need to give a certain interest fee. This is how Jack Ma conducts profitable activities.

It's because after you use Huabei, it's equivalent to spending on **, ** and Alipay are both under Alibaba's name, so it can be regarded as promoting your consumption, which can be regarded as making money.

If the repayment is overdue, interest will be charged, and Huabei installments can get a handling fee, and then borrowing can also generate economic benefit value, which can gain a lot of users.

It is to rely on those who cannot repay the loan on time to earn money, because some people may not be able to repay the money they spent on time.

The shopping cart is full of the items I want to buy, but my wallet is empty, and I feel embarrassed to borrow money from my parents, relatives and friends. Using Ant Huabei for advanced consumption seems to have become the best choice for the chopping party.

Launched by Ant Financial in the first half of 2015, Ant Huabei has enabled countless users to use now, pay later.

Ant Financial will conduct a comprehensive assessment according to the user's activity, credit history, etc., and give Huabei users a certain amount of consumption, as long as the user repays on time, Ant Huabei will not charge interest, so the question is, what does Ant Huabei rely on to make money?

1. Overdue interest.

Late repayment will incur corresponding overdue interest, which is a profit point for Ant Huabei.

Overdue interest will be charged on a daily basis on the outstanding amount of the current period (calculation formula: overdue interest = repayment amount * number of overdue days).

Second, the service fee is profitable.

**After the seller opens the Huabei service, as long as the buyer uses Huabei to pay, a certain handling fee will be charged to the seller according to the transaction amount: Tmall, **1%.

This fee will be deducted when the buyer confirms the receipt of the goods, and if the buyer confirms the receipt of the goods, the handling fee will not be refunded.

It can be seen that the **1% handling fee is already the same rate as the credit card, which is a big profit point for Huabei.

3. Cultivate user consumption habits.

What cannot be ignored is that Huabei is serving ** to a certain extent. While facilitating consumer consumption, the online Huabei is also cultivating users' habits of early consumption, so as to shop more on Tmall. Don't have the money to buy something you want to buy? Then try Huabei.

At the end of the article, we remind everyone: rational consumption, excessive consumption is not advisable.

Take me personally as an example, I have been using Ant Huabei since last year, and I repay the loan on time on the 10th of every month with no interest.

Handling fee: In the case of your use of the installment service, the service provider will charge you an installment handling fee, which will be charged according to a certain percentage of the principal of the service funds, and the handling fee may be repaid in installments, and the handling fee may be charged in different installments according to the number of installment repayments. Unless the service provider is at fault, the processing fee you have already paid will not be refunded.

Minimum repayment service interest: If you use the minimum repayment service, the service provider will charge you interest, and the interest will be calculated on a daily basis according to a certain percentage of the remaining principal amount of Huabei credit payment funds after the minimum repayment. If you successfully apply for installment of the remaining principal after the minimum repayment, the corresponding handling fee will be calculated according to the installment service rules, and you will no longer be charged interest on the repayment service.

Overdue interest: If you still fail to repay the principal and corresponding interest fees of the Huabei credit payment funds due in the current month after the repayment date, the service provider will charge the overdue interest at 5/10,000 of the total balance of the outstanding principal and interest fees per day until you repay the "minimum repayment" or repay the amount payable in accordance with the requirements of the service provider.