What is the most cost-effective way to return flowers?

I believe many friends will use flowers in their daily shopping, such as shopping for clothes and daily necessities. It can be said that the current flower garden has covered all aspects of everyone's life, and the user base used is also extremely large. However, the essence of Huayuan is a small loan platform that overdraws in advance, so it is necessary to repay on time. It's just a flower. What is the most cost-effective repayment method? Use this method as little as possible!

At present, there are four main repayment methods for Huabai, namely, full repayment, minimum repayment, installment repayment and deferred repayment. If it is cost-effective, full repayment is naturally the most cost-effective, not only without any additional costs, but also allowing everyone to continue to enjoy the interest-free period. However, not all users have the financial strength to repay in full. Some users may not be able to settle their bills in full in the future because of problems in the capital chain. In this case, I suggest you give priority to repayment by installments. Although the minimum repayment amount can also reduce the repayment pressure and can be used for a long time, from the perspective of the platform, users who often make the minimum repayment amount are not very good economically, and the success rate of applying for cash withdrawal in the future will also be reduced. Moreover, after using the minimum repayment amount, everyone can no longer enjoy the interest-free period, so the cost performance of installment repayment will be higher.

What I want to remind you here is that once you choose to repay by installment, try not to settle it in advance. On the one hand, clearing the warehouse in advance can not save the handling fee, on the other hand, it is illegal, which will reduce everyone's impression of the platform. There are many restrictions if repayment is delayed. The maximum bill amount cannot exceed 5000 yuan, and the maximum delay can only be one month. Only full repayment can be made after maturity, and the minimum repayment amount and installment repayment cannot be used. Therefore, it is not recommended to use it. Of course, everyone's actual situation is different, and the suitable choices are also different. For example, the minimum repayment amount can still be used if there are only occasional financial problems.

In fact, the essence of flower buds is loan products, and all overdraft money must be paid back, so everyone should treat it rationally and avoid the problem of excessive overdraft.