No matter be to buying a thing, still be Zhang sheet when reimbursement, we can be mentioned so called in installment. So what is credit card after all in installment? Credit card is the choice of a kind of reimbursement when our financing is tight in installment, the bank is met. . .
No matter be to buying a thing, still be Zhang sheet when reimbursement, we can be mentioned so called in installment. So what is credit card after all in installment? Credit card is the choice of a kind of reimbursement when our financing is tight in installment, silver-colored guild basis opposes application blocking a person, consumption capital blocks account of person credit card to buckle through holding in installment close, the person that hold card undertakes repaying according to amount of every months of enter an item in an account.
But, qing Mu does not suggest to block friend people choice credit card in installment, why? See the following analysis please!
Sheet of credit card Zhang can reach capital share in installment several period, every month needs the person that hold card only return one share capital and poundage, can alleviate really reimbursement pressure, but do not know you had considered Zhang odd in installment interest rate: Though many silver-colored firms say credit card in installment annual interest is led only 7.5% , it is it seems that very be to one's profit, but its are true interest rate can be it of double.
1, is credit card Zhang odd in installment is annual interest led only 7.5% how to calculate?
A lot of calories of friend choose sheet of credit card Zhang in installment, will can be avoided breath, the money that second every month returns is less, 3 still can be passed will raise the specified number in installment, and most the credit card of nothing is more... than that allows them to one's mind disturbed in installment poundage is low, of course this low not be low really, because,creating this kind of illusion is, they think credit card in installment rate of real annual interest is *12 of every months of poundage went, this also can say is the camouflage that the bank plays, the Xiaobai that lets unidentified truth thinks in installment fare is cheap.
It is in order to enrol a credit card exemple, brush card 10 thousand yuan of cent 12 period, terminally poundage 0.66% , gold of every months of repayment of capital should be 10000/12=833.33 yuan, terminally poundage 66, a year of ability 792, amount to annual interest is led also 8.0% the left and right sides, such calculating come down interest rate actually not bad also, but real interest rate is not so calculate.
2, is credit card Zhang odd in installment how does rate of real annual interest calculate?
What Qing Mu should tell everybody here is, the of 8.0% annual interest rate that gives out above is not is effective interest rate, although be,press reimbursement of principal and interest waiting for the forehead in installment because of sheet of credit card Zhang, make the same score total poundage booth arrives on every month, the capital that every month should return and accrual are identical.
But actually you every return every month one share capital can decrease subsequently, but credit card Zhang is odd in installment poundage the final first phase till your reimbursement is changeless.
Somebody summed up the algorithm that real annual interest leads, formula is: Actual year change interest rate = sheet period poundage leads * in installment period number *24/(in installment period number + 1)
Here is divided 10 thousand yuan with enrolling a credit card all the same 12 period for exemple, =0.66%*12*24/(12+1)=14.6% of real interest rate
Have 8.0% almost double, so sheet of credit card Zhang comparatives in installment not be to one's profit.
Someone can say, since not be to one's profit, that always can shift to an earlier date reimbursement.
Here what Qing Mu should remind is, most bank credit card Zhang sheet is to be able to shift to an earlier date in installment reimbursement, but ahead of schedule the poundage that reimbursement the rest did not pay must want you one-time repay, calculate so come, credit card Zhang is odd in installment hind if shift to an earlier date reimbursement, the person that hold card should have a deficit big.
The place on put together is narrated, credit card Zhang is odd in installment real interest rate is in at least 14.6% the left and right sides, and in installment Yue Changli rate jumps over time tall, if shift to an earlier date,poundage of reimbursement the rest also is unavoidable, be in so in installment before must consider to be clear about
