In terms of shopping installments, the current handling fee for credit card installments on Taobao and Tmall is basically 2.5%-3.9% for 3 installments, while the handling fee for 3-stage installments on Huabei is 0%; the handling fee for 6-stage credit card installments is 3%-4.9%, the handling fee for Huabei's 6-month installment is 4.5%; the handling fee for 12-month credit card installment is 5%-7%. The 12-month payment for Huabei is only open to college students, and the handling fee is about 8%.

Related introduction:

Huabei bill installment is much more flexible. Early repayment will reduce the handling fee for the remaining installments.

For example, if a user applies for 12 installments of bills and wants to settle the payment in advance when the third installment is due, the bank credit card will ask the user to pay the remaining 9 installments in one lump sum, and it will cost Bai only requires users to repay the principal of the remaining 9 periods, and no handling fees will be charged.

Huabei installment plan gives users the opportunity to repay in advance and save handling fees. If the user chooses bill installment plan due to temporary financial constraints and plans to repay the loan in one lump sum when he or she has sufficient funds, Huabei bill installment plan is undoubtedly the best option. choice.