Nowadays, a variety of lending platforms emerge in an endless stream, such as ant lending, flower lending, money spending, particle lending and so on. Although lending can solve the problem, for many people, they like to use Jingdong Baitiao. How about the interest of Jingdong Baitiao?
There are two main situations in which Jingdong Baitiao charges interest:
The installment service fee of white bill order: the rate is 0.5% - 1.2% (month), the installment service fee of each period = consumption principal & times; the installment service rate (month), and the installment service fee of each period is charged together with the current principal.
1. White bill system users
1.1 how to calculate the installment service rate of white bill
The installment service rate of white bill is 0.5% - 1.2% (monthly).
Calculation formula: installment service fee of each period = remaining amount of bill * 90% & times; installment service rate (month)
For example, after the bill was issued, Xiao Ming saw that his bill this month was 1000 yuan. As he had just paid the rent, he was a little short of money, so he chose to repay it in three installments, taking the installment rate of 0.7% as an example,
Then his handling charge for each issue is: 1000 * 90% * 0.7% = 900 * 0.7% = 6,3 yuan
Starting from the next issue, Xiaoming only needs 900 / 3 + 6.3 = 306.3 yuan for each issue.
1.2 how to calculate the daily service charge of the white bill
The daily service rate of white bill system is from 0.05%. If you only pay off the minimum payment before the repayment date, but not all of it, the system will charge you daily service fee.
The calculation formula is: daily service fee = (total expected repayment amount actual repayment amount) & times; daily service rate
give an example:
Xiaoming's repayment amount this month is 1000 yuan, the minimum repayment amount is 100 yuan, and the daily service rate is 0.05%. On the 4th of the repayment day, Xiaoming has only repaid the minimum repayment amount of 100 yuan up to the 6th. At this time, Xiaoming's service fee: (1000-100) & times; 0.05% & times; 2 = 0.9 yuan.
reminder:
When you are under financial pressure temporarily, you can use the bill installment function: as long as you operate the bill installment before the bill date to the repayment date, after the installment is successful, the installment amount will be repaid in the first installment of the next bill, and there is no need to repay in the month when the account is issued, so as to reduce your financial pressure.
1.3 how to calculate the penalty of white bill
The penalty rate of white bill system is 0.07% (per day). If you do not pay off the minimum payment before the repayment date, the system will charge you a daily penalty.
The calculation formula is: total liquidated damages = total amount payable (unpaid principal of the current month + unpaid installment service fee of the current month) * liquidated damages rate * default days
give an example:
Xiaoming's repayable amount this month is 1000 yuan, the minimum repayable amount is 100 yuan, and the penalty rate is 0.07%. On the 4th of the repayment day, Xiaoming found that he forgot to repay on the 6th. At this time, Xiaoming's penalty: 1000 & times; 0.07% & times; 2 = 1.4 yuan.
reminder:
When you are under financial pressure temporarily, you can use the bill installment function: as long as you operate the bill installment before the bill date to the repayment date, after the installment is successful, the installment amount will be repaid in the first installment of the next bill, and there is no need to repay in the month when the account is issued, so as to reduce your financial pressure.
explain:
1) If the penalty (day) and service fee (day) are less than 0.01 yuan, it shall be charged as 0.01 yuan; 2) the penalty shall be calculated on a daily basis;
3) Please refer to the corresponding display on your client page or transaction payment page for the charge standards of installment service fee, daily service fee and liquidated damages that you have to pay for using the white bill service.
2. White order system users
2.1. How to calculate the installment service rate of white bill order
The installment service rate of white bill is 0.5% - 1.2% (monthly).
Calculation formula: installment service fee of each period = consumption principal & times; installment service rate (month)
give an example:
Xiao Ming spent an order of 1000 yuan on April 15. On May 15, because he had just paid the rent and was a little short of money, he chose to repay it in three installments. Taking the installment rate of 0.5% as an example, his installment service fee for each installment: 1000 * 0.5% = 5 yuan. Starting from the next installment, Xiao Ming only needs to pay 338.33 yuan for each installment.
2.2. How to calculate the penalty for a white order
The penalty rate of the white order system is 0.07% (per day).
Calculation formula: total penalty = total amount payable (all outstanding principal + all outstanding installment service fees) * penalty rate * default days
give an example:
Xiaoming consumed an order of 1000 yuan on April 15, taking the installment service fee of 0.50%, the proportion of liquidated damages of 0.07%, and the default of 5 days as an example.
Case 1: not staged
Xiaoming's repayment date is May 15, but Xiaoming forgot to repay it. He didn't repay it until May 20. At this time, Xiaoming's penalty: 1000 * 0.07% * 5 = 3.5 yuan
Case 2: order staging
Xiaoming's order is divided into three phases. Xiaoming forgot the first repayment date on May 15 and paid it on May 20. At this time, Xiaoming's penalty: (1000 + 1000 * 0.50% * 3) * 0.07% * 5 = 3.55 yuan
explain:
1) If the penalty (day) is less than 0.01 yuan, it will be charged as 0.01 yuan;
2) The penalty shall be calculated on a daily basis.