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Ant-chanting interest-free borrowing really unprofitable? In fact, are routines

Time: 2016-12-06         Source: Financial 360 original         Author: Jeff

Everyone wants to be able to spend less money and buy better products. Using this mentality, people came up with installments,credit cardAnd other means,Ant flowers chantingRepayments after the first consumer, repayment each month is one of the 10, ants chanting interest-free really unprofitable? In fact, are routines.

Spent friends all know, ant flower chanting and credit cards are similar to give qualified clients a certain amount, the amount used within the amount of consumption, just in the next month repayment on the 10th, without having to pay fees or interest. You can also apply for installments when you can not pay this month's expenses.

So, is this really unprofitable?

Quota above the article

At this point, Alipay is really smart, the quota within the ant flower is just the amount of credit you can use, easily giving you the illusion of having such a lot of money on your account. For example, Xiao Ming account 1000, his ant flower chanting quota of 3000, so if he spent 3000, before the 10th of next month, in addition to using his account 1000 repayment, but also the need for additional 2000 repayments.

Ant flower chant do you give this an illusion, so you think you have so much money, then recommend a variety of products for you, give you a desire to consume.

High fees, the use of staging is not worthwhile

Financial 360 (fangdai123) tips, if you over-consumption, unable to return last month's account, then what to do? Do not worry, ant flower chant help you out of the installment approach. However, if you look carefully, the handling fee for installments is high.

According to your repayment ability can be divided into 3, 6, 9, 12 period, should be returned to each period fee = application installment amount * installment rate / installment period. Among them, the rates of 3, 6, 9 and 12 charges are 2.5%, 4.5%, 6.5% and 8.8% respectively. The annual interest rate is the installment fee * 24 / (the number of installments + 1) In June, September and December, the corresponding interest rates were 15%, 15.4%, 15.6% and 16.2% respectively. In other words, the use of antsFlower chanting stagePayment is very cost-effective.

Overdue need to pay high penalties

When the ant flower chase overdue, you may need to pay overdue penalty, the penalty is 0.05% per day, that is, each ten thousand yuan need to pay five yuan of interest, equivalent to 18.25% of the adult interest rate, this part of the interest Very high, equivalent to the interest rate is unlikely to attract your attention.

Business fees charged to seize the payment channel

In addition, for businesses, if the user uses the ant flower, the merchant needs to pay a 1% handling fee. In other words, the user charges 100 and the actual receipt of the merchant is 99. Because of interest-free mode, users prefer to use ant flower chant payment, precipitation of a large number of users at the same time, to seize the payment channel for the development of Alipay has laid a solid foundation.

"Loans overdue blacklist? Do not worry, here are fix Daquan ", concerned about" financial360Mortgage "(fangdai123) Micro-signal, reply "blacklist" tell you what to do.

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