Ant Huabei is a consumer credit product launched by ant financial. After the application is opened, it will get a consumption line of 500-50000 yuan. When users consume, they can advance the amount of ant flower and enjoy the shopping experience of "consume first, pay later". How about the handling fee of ant flower? What is the calculation proportion of the interest of ant flower?
On August 4, 2016, ant Huabei consumer credit asset-backed securities project was listed in Shanghai Stock Exchange, which is also the first Internet consumer finance ABS of Shanghai Stock Exchange. Ant flower supports multi scene shopping. Before that, the main application scenarios were Taobao and tmall. Most merchants in Taobao and tmall could use their payment.
At present, ant Huabei has gone out of the Alibaba e-commerce platform and has access to more than 40 external consumption platforms: most e-commerce shopping platforms, such as Amazon, Suning, etc.; local life service websites, such as word-of-mouth, meituan, public comments, etc.; mainstream 3C official shopping malls, such as LETV, Haier, Xiaomi, oppo, etc.; and some overseas shopping websites.
Huabei rule: the maximum interest free time for personal credit is 41 days. If the user fails to pay off the current payable amount before the repayment is due, a certain amount of overdue interest will be generated. The overdue interest is charged on a daily basis according to 0.05% of the current outstanding amount. For example, in May, the user needs to pay 10000 yuan, but before May 10, only 5000 yuan will be paid In daily repayment, there will be overdue interest of 10 yuan, which is calculated by 5000 yuan & times; 0.05% & times; 4 days.