In this regard, it is suggested that the landlord can save the part that is not enough to buy things first, and spend the rest by credit card, and then apply for installment after the bill comes out.
Payment by installments: Landlords can pay some credit card transactions by installments in the bill:
Processing time: from the billing date to the due repayment date (that is, after the bill is settled)
Processing amount: up to 90% of RMB credit card amount on the billing date, and greater than or equal to 500 yuan.
Installment fee: I cut the following picture for the landlord in official website, so the landlord can have a look:
Suppose the landlord's billing date is 10 every month, and the due repayment date is 20 days after the billing date, that is, the 30th of each month.
The credit card limit is 2000 yuan, and the purchase amount is 2500 yuan. If you deposit it in 500 yuan, you will spend 2,500 yuan on June 12, and the bill will total 2,000 yuan on July 10 (of the 2,500 used, 500 is deposited by yourself and 2000 is owed to the bank). You can apply for his home before July 30. The maximum installment amount is 1.800 yuan (2000*90%), divided into 6 installments, with installment principal = 1.800/6 = 300 yuan and installment fee =1.800 * 0.63% =1.654.
Before the due repayment date of the current bill, only the part that has not been repaid in installments (according to the above example, it will be returned to 200 yuan before 7/30) will be settled in the first installment of the bill next month (according to the above example, the first installment will be settled at 8/ 10, and 8/30 will be the due repayment date, and so on).
The above is just a general example for the landlord, which depends on the actual needs, accounting date and quota of the landlord.