If the customer Mr. Zhang applies for the service of Yidajin 12,000 yuan, it will be divided into equal installments of12, and the monthly handling fee rate is 0.75%/ installment, and the annualized conversion rate is 16.22%. The principal payable for each period is 65,438+0,000 yuan, and the handling fee payable for each period is 90 yuan; If Mr. Zhang applies for prepayment in six installments, the remaining undistributed principal is 6,000 yuan, and the prepayment penalty is 180 yuan.
After successfully applying for eEasy Gold, you need to pay the installment fee. Installment fee = total application amount × installment rate. The actual installment fee rate is confirmed at the time of handling.
The approximate converted annualized interest rate corresponding to the installment fee rate is 0%- 18.25% (the approximate converted annualized interest rate is calculated with simple interest, for reference only, and the actual annualized interest rate is slightly different due to the interval between the installment product selected and the billing date, the actual number of days per month, the repayment method and other reasons. ), which is the annualized IRR calculated according to the cardholder's cash flow and the number of installments.
Huaxia Yida Gold Card enjoys the minimum repayment amount:
After spending with Huaxia Yida Gold Card, if the bill consumption amount in the current period is less than 1000 yuan (excluding), it can be repaid according to the minimum repayment amount, and if the consumption amount is greater than 1000 yuan (including), it will be automatically phased on the billing date. For cash advance transactions, the monthly installment amount, the unpaid part of the previous minimum repayment amount, interest, liquidated damages and other expenses are all fully included in the current minimum repayment amount.
As long as the minimum repayment amount is paid every month, you can maintain a good credit record without penalty. If you pay the minimum repayment amount, you cannot enjoy the interest-free repayment period.