Is it necessary to return the flower buds in monthly installments 12?

Bai Hua repays the loan in monthly installments 12, and the money is paid once a month.

Repayment of principal by installments = total amount of principal to be repaid by installments ÷ number of installments.

Fee for installment repayment = total amount of principal to be repaid × total installment interest rate ÷ number of installments.

The amount is accurate to the minute and month, and the balance is included in the down payment, and the handling fee is not refundable.

Note: overdue fee = overdue principal * 0.05%* overdue days.

Extended data

Consequences of not sending flowers:

1, collection; Not only the flower buds, but also the overdue ones will definitely face collection, including but not limited to telephone collection, SMS collection, email collection, circle of friends collection and the above collection. It's not good for yourself and your friends. It is best not to be overdue, so as not to affect the lives of yourself or others.

2. Reduce the sesame credit score; The opening and use of flower buds are closely related to the credit information system of Sesame Credit. If the flower buds are overdue, the overdue situation will appear in the negative record of the flower buds. If the overdue situation is serious, it will also lead to a decrease in sesame credit score.

3. Affect the loan; Because overdue records will be uploaded to Sesame Credit, which will seriously affect the loan. There are credit loan products in the Ant Financial Service System. If the flowers are overdue, it may also affect the use of loans.

4. Legal proceedings and sanctions; For long-term malicious overdue users, Huayuan has the right to take legal channels to recover the arrears.

How to calculate the principal and handling fee of Alipay-Bai Hua installment?