1. When the installment business that has been fully accounted for is returned, the installment fee paid will not be refunded.
2. When returning the installment payment business that has not been fully accounted for, the handling fee collection rules are as follows:
(1) If the handling fee is charged in one lump sum in the first installment, if it is returned in full, the paid handling fee will be returned according to the proportion of the amount not deducted to the total installment amount, and the returned handling fee = (the amount not deducted/the total installment amount) × the total installment fee; In case of partial refund, the deducted fees will not be refunded. When the return amount is less than the outstanding principal, the return fee = (return amount/total installment amount) × total installment fee; When the return amount is greater than or equal to the unpaid principal, the return fee = (unpaid amount/total installment amount) × total installment fee;
(2) If the handling fee is collected by stages, the paid handling fee will not be refunded, and the unpaid handling fee will not be charged if it is fully refunded; If some goods are returned, the handling fee paid will not be refunded. When the repayment amount is less than the unpaid principal, the handling fee corresponding to the remaining installment principal will still be charged on schedule. If the amount to be deducted in the current period is less than the amount deducted in each period, the handling fee corresponding to the actual amount deducted in the current period will be charged. When the returned amount is greater than or equal to the unpaid principal, no unpaid handling fee will be charged.
3. If the first installment payment is exempted from the handling fee, and the application for return and prepayment is made before the installment payment is completed, the handling fee shall be supplemented according to the proportion of the return and prepayment amount to the installment payment amount.
(Answer time: May 2020 18. In case of business changes, please refer to the actual situation. )