Information > Ordinary article > Raiders channel > personal loan >  text

Consumption staging, pie or trap?

Time: 2016-11-24         Source: I call a small money         Author: I'm a little money management

I am a friend Y, income is very high, but usually no control of consumption, so no deposit. Weekend to see her shopping cart, more than 20 pieces of goods add up to eighteen more.

"Is it ready to use the staging?"

"Yes ah, why life is not too early to enjoy"

Two people are coming soon, consumer loans Some people think this is out of the pie, fear will receive a lot of interest, so do not; some people feel that interest is very low, directly chop hand in the end, the results found "spend the money tomorrow Add the day after the block.

I do not think so much,Find out how many of their actual rates are for each installmentThe

For the math of the poor girls who are very complex formula, it is difficult to count out at once, in fact, the cost of borrowing money, probably with two terms to describe: one is the rate, one is the interest rate.

For example, if someone told you that by XX%Monthly rate or monthly management rate by your money, You directly apply this formula like (on the derivation of the process of interested children about me):

A * n * 24 / (n + 1) = actual annual interest rate

A represents the monthly rate, n represents borrowed for a few months.

Another example, if someone says, press XX%Monthly interest or interest on you to borrow money, Regardless of what he said the repayment method is the first interest, or after the first interest, or a one-time debt service -

You will ask him directly, by the day of interest is how much, and then multiply by 365, you knowNominal annual interest rate(The actual annual interest rate is higher than the nominal annual interest rate).

So that some of the dry, I use white bars, flowers chanting, by chanting to be an example, demo about.

Scene one, white bars

White bar loan, is the monthly rate to interest. When the word "rate" appears, it means that the money you pay for each month is fixed and the fee for each month is the same.

Whether you borrow a few months.

This kind of interest-bearing method, when calculating the real interest rate, has a simple formula:A * n * 24 / (n + 1)

Give a few chestnuts:

Monthly rate of 0.5%, by 3 months, the actual annual interest rate is 0.5% * 3 * 24 / (3 +1) = 9%;

By 12 months, the actual annual interest rate is 0.5% * 12 * 24 / (12 + 1) = 11.07%;

By 24 months, the actual annual interest rate is 0.5% * 24 * 24 / (24 + 1) = 11.52%;

It can be seen that with the "rate" to interest, the actual cost of borrowing, with the borrowing period has a great relationship.

The same rate, the longer you borrow money, the higher the real interest rate.

Credit card consumption staging, cash installment rate, can be calculated so

Scene two, flower chanting

The chanting method is the same as the white bar, but its rate is variable.

Borrowing period is not the same, the monthly rate is not the same, that the actual interest rate how to count?

Very simple, 3 points, the monthly rate is 2.5 / 3, 6 points when the monthly rate is 4.5 / 6 .... 12 times the time, the monthly rate is 8.8 / 12.

The actual annual interest rate is 15%; by 6 months, the actual annual interest rate is 15.4%, by a year, the actual annual interest rate is 1%, the actual annual interest rate is 15%; 16.2%.

As can be seen,The actual annual interest rate of the chant is higher than that of the white bar, With flowers chanting, it is better to use white bar cost-effective.

Scene three, by chanting

By chant of the repayment method, and white bars and flowers are not the same chanting.

It is still a month to the money is fixed, but the interest is reduced month by month, and the principal increased month by month.

In this way of repayment, you can use it to give the monthly interest * 12, or daily interest * 365, you can calculate the nominal annual interest rate.

I am now ten thousandths of the day, that is, my name is borrowed by the name of the annual interest rate is 0.04% * 365 = 14.6%.

And the actual annual interest rate is 15.62%, afraid to everyone around the halo, this period does not speak the nominal annual interest rate and the actual annual interest rate conversion.

Someone had a message to me, and his interest on the day was eight thousandths, and his nominal interest rate was 0.018% * 365 = 6.57%.

So cheap money, borrow out what to do, are good.

Scene four, credit card staging

The credit card is pressedStaging rateTo charge.

Here is a simple count about the 12 period of the actual interest rate, the rest of your own to count.

By 12 months, the actual annual interest rate is0.66% * 12 * 24 / (12 + 1) = 14.62%

Is not found that the real interest rate this thing institutions never give you count?

But to use a variety of deceptive little trick, abruptly put us all forced (pseudo) experts ....

In the understanding of chanting, chanting and white bar after the real interest rate, we come to explore how to use only cost-effective!

First, cash management is not desirable

In fact, the real rate of the four are not low. Obviously, with their cash to invest in financial management to death, do not advocate here cash out.

First, the proceeds of your investment and financial management do not necessarily get the interest you want to pay;

Second, the risk of investment, capital chain, you have to pay a higher price.

Second, free of time in a row

Pinch the opportunity to enjoy the use of flowers for 53 days interest-free period, the purchase of interest-free goods to enjoy 12 months interest-free period, with a credit card and Jingdong white bar spell 80 days interest-free period, or even obediently enjoy the conventional interest-free period these are cost-effective The

In any case,Interest-free period of borrowing money are profitable,Because the temporary savings of money in the Swiss wealth than spent ahead of cost-effective.

Third, reduce the consumption of debt

Just now we all see, how much interest in consumer loans,The average can reach the annual 14%(Ps: this is formal, part of the informal interest of more than 100%, but also think of some time ago naked loans)

So before the consumer loans need to carefully consider, can not use or not it!

"You may never think of them, will block in your loan on the road13Only stumbling block " Focus on "financial360Mortgage "(Fangdai123) Micro-signal, reply to "Wu Song" teach you to fight tiger Cheats, easy loans.

【Exclusive manuscripts and disclaimers】 Any work that engages in "360 originals" shall not be reproduced, excerpted or taken in any other manner by any unit, organization and individual without the written permission of the financial entity. Has been authorized in writing, indicating the source of financial 360. Violation of the above statement on the financial rights and interests of financial infringement, will be held in accordance with their legal responsibility. The materials and conclusions in the work are for reference only and do not constitute operational recommendations. For written authorization please send an email to:

Comment list (User comments only for users to express their views, does not mean that this site agree with their views or confirm their description)
you may also like
  • Credit card staging - "pie" or "trap"  Credit card staging business is all cardholders familiar with a service content, and many can not fully credit card holders are using the phased business. But whether you have carefully considered, in the bank held a variety of stages of the banner of the concessions, the ultimate benefit is ...
  • Shen card gift is "pie" or "trap"  Do the gift of things you have encountered it, the so-called gifts when you did not get the time to look back here to see the tricky, beautiful trap. Bank for the promotion of credit cards, for credit card to send points, send concessions, send calls ,,, sent more and more, ...
  • See the Internet financing "pie" and "trap"  The banking industry will usher in the mid-year assessment. In June last year, the money shortage forced many banks to launch the annual high-yield products to absorb the money, that crazy also make this year's Lan Chu war generally ahead. There are reports that the country has many banks recently launched a variety of financial management ...
  • Credit card cash, pie trap!  Credit card cash is not a pie is a trap! It is easy to let you deep in which can not stand up! Chen complained to friends about the recent encounter. Chen recently gave a girlfriend, sweet love at the same time also increased a lot of economic burden, how to quickly generate his recent test ...
  • Acting large credit card pie or trap?  Need a lot of money, the hands of no mortgage, bank loans is difficult to do, many people think of using credit cards to overdraft, but the bank to apply for credit cards need to undergo a rigorous approval process. So, some agencies claim that as long as the provision of identity cards, personal photos and hands ...