How to calculate the overdue handling fee of Huabai? The collection standard of overdue handling fee of Huabai in 2019
4hw.com.cn: Huabai is a consumer service provided by ant finance to individuals. You can pay back after shopping for a month. So how is the overdue handling fee calculated? If the overdue payment is not made, what will be the charge? Let's have a look.
1. Service charge
No use, no charge, i.e. no annual fee; The one-time agreement is fully repaid without interest and handling fee.
2. Quota
Hot spot: how to improve the quota of ant flower on double 11?
Huabai is an online shopping service provided by ant micro loan to consumers' buy this month and pay it back next month '. Consumers can use Huabai to shop on Taobao and tmall, and make repayment before the 10th of the next month after confirming receipt. After repayment, the consumption limit will be restored.
3. Interest free period
The longest interest free period can be 41 days
4. Overdue expenses
If there is still outstanding balance beyond the interest free period, the fee shall be paid at 0.05% per day and the compound interest shall be calculated. If the current payable amount is not paid off before the repayment date, corresponding overdue interest will be generated, and the overdue interest will be charged daily at 0.05% of the current outstanding amount. For example, you have to repay 10000 yuan in October, but only 5000 yuan has been repaid before October 10. When you repay on October 14, there will be overdue interest of 10 yuan (formula: 5000 yuan & times; 0.05% & times; 4 days).