If you enter through the Apple section link of our online mall (_cmb), it is currently interest-free and free of handling fees. You can choose from 1, 3, 9, 12 and other periods; if you enter directly through For installment shopping on Apple's official website, you can choose installments of 3, 6, 12, 18, 24, etc., and a handling fee will be charged. The rates are 2.5%, 3.5%, 5%, 7.5%, and 10% respectively. China Merchants Bank credit card users can apply for installment payment service if they purchase products for more than RMB 300. The maximum order limit is RMB 150,000.