Flower bud, can it be postponed?

Flower buds can be extended, which can be divided into three types: normal bill extension, installment extension and repayment after maturity.

Ordinary bill extension is an ordinary extension, similar to a credit card. A month is an accounting cycle, as long as the consumption in this month can be fixed on a certain day of the month, under normal circumstances, the monthly repayment will be made on 10; There is no handling fee for this kind of repayment, and it can be repaid on the normal repayment date.

The second kind of installment postponement is installment postponement. If the cash flow is difficult for a while, you can choose to repay the account amount in installments, which can reduce the repayment amount of the current month; This kind needs a handling fee.

Repayment of principal payable by installments = total amount of principal payable ÷ number of installments; Fee for installment repayment = total amount of principal to be repaid in each installment × total installment interest rate ÷ number of installments; The amount is accurate to minutes and months, and the balance is included in the down payment, and the handling fee is non-refundable; Click XX yuan per installment on the installment page to view the repayment amount, handling fee and rate of each installment, subject to the actual situation;

Of the payment amount, all the amounts except "overdue fee, minimum repayment cycle interest, installment fee and installment principal, deferred repayment fee and deferred repayment principal" can be installment, and the installment amount must be greater than or equal to 10 yuan.

(For example, the repayment amount last month was 10000 yuan, including the installment amount of 2000 yuan and the handling fee previously applied, so the maximum installment amount this time is 8000 yuan).

It can be seen that the extension of installment payment is not for all amounts, and the amount is also limited according to the type, which requires a certain handling fee.

The third kind of extension after expiration is extension after expiration, which is not recommended. Overdue fee = overdue amount *? 0.05%* days overdue, of which overdue amount *? 0.05%, rounded to the nearest minute, this high probability will be pushed to the credit center by Alipay, and the output will be overdue. Therefore, it is recommended to repay the loan on schedule to avoid bad records affecting credit.

In short, as a last resort, don't choose the third option, followed by the second option. The first option is normal deferred repayment.