Comparative analysis of which is cost-effective, installment repayment or minimum repayment, please keep it
Sihai: the flowers on Alipay bring the gospel to the majority of chopper party. Even if there is no money, Alipay will lend you money to spend. There are two ways to spend money, one is to have a minimum repayment in installments, then that is more cost-effective? Let's take a look with Xiaobian.
Is it cost-effective to use flowers by installments or minimum repayment
Generally speaking, the service charge to be paid for the minimum repayment is higher than that of Huabai installment. Personally, it is better to choose Huabai installment because:
1. Sometimes Huabai installment is interest free. After interest free, Huabai installment payment can be done in installments without additional payment, which is very cost-effective;
2. You can choose 3, 6, 9 and 12 installments for payment. If you don't have enough money on hand, you don't need a lot of handling fees to choose 3 installments for payment;
3. If the minimum repayment is selected, although the amount to be repaid each month is not much, the repayment cycle is long. In this way, it still needs to spend a lot of handling fees.
To sum up, I still suggest to buy things by stages.