Can the flower buds be modified after successful staging?

How to change the number of flower buds in stages

You can't change the installment payment after using the flower buds, but you can end the installment by paying it off immediately, and at the same time you can reduce the handling fee generated by the installment.

Specific operation, you can open Alipay my page and click Bai Hua. In the pop-up page, select Repayment Now, complete the repayment operation, pay off the unpaid items, and end the installment.

It should be noted that early settlement refers to the settlement of all arrears of flower buds, including the amount of flower buds that have been phased and should be repaid next month, and cannot be partially repaid.

Extended data:

The full name of flower bud is ant flower bud, which is a consumer credit product launched by Ant Financial. After the application is opened, you can get a consumption quota ranging from 500 to 50000 yuan.

When spending, users can prepay the amount of ant flowers and enjoy the shopping experience of "spending first, then paying".

On August 4, 20 16, the Ant Flower Garden Consumer Credit Asset-backed Securities Project was listed on the Shanghai Stock Exchange, which is also the first ABS of Internet consumer finance on the Shanghai Stock Exchange.

By June of 20 18 and 1 year, Ant Financial has voluntarily increased the capital of two small loan companies by 8.2 billion yuan, and the registered capital has increased from 3.8 billion yuan to/kloc-0.2 billion yuan. On May 6th, 2008, Bai Hua announced its opening to banks and other financial institutions.

202 1. 9. 22 It is reported that the flower buds have been connected to the central bank's credit information system, and users can't use them if they refuse to access them.

Credit loan line

According to the comprehensive consideration of consumers' online shopping situation, payment habits and credit risk, Ant Flower Garden grants users spending quotas ranging from 500 to 50,000 through big data calculation and risk control model.

The amount of ant flower buds is rewarded according to the behavior of consumption and repayment accumulated by users on the platform. The behavior of users on the platform is dynamic, and the corresponding quota is also dynamic. When users behave well and meet the quota policy for a period of time, their corresponding quotas may increase.

Ant flower beds cannot be opened or raised by others. Please don't trust others and don't disclose personal information.

On 20 18 10 18, Bai Hua officially launched the "quota management" function, and users can adjust the quota independently according to actual needs.

Repayment method

Users can prepay the amount of ant flower buds at the time of consumption, and make repayment on the 9th of the following month after receiving the goods. The longest interest-free period can reach 4 1 day.

In addition to the consumption experience of "buy this month, pay it back next month, and it is super long and interest-free", Ant Flower Garden has also introduced the function of flower garden staging, and consumers can repay the money in 3, 6, 9, 12 months.

The 9th of each month is the repayment date of Bai Hua, and users need to pay off the generated Bai Hua bill on the repayment date.

On the due repayment date, the system will automatically deduct the balance of Alipay account, Yu 'ebao (with the function of withholding Yu 'ebao) and fast payment by debit card (including one card) in turn to repay the outstanding part of the bill.

You can also take the initiative to repay. In order to avoid overdue, please ensure that the amount of Alipay account is sufficient. If it is overdue, a late fee of 0.5% will be charged every day.

On 20 1 811June12nd, the new function of AliPay App announced that the Bai Hua deferred repayment function would be fully opened on1June/February1day.

To put it simply, the extension of the flower garden is equivalent to a simple transition, which can alleviate the repayment pressure of the pickpocket party to a certain extent.

On July 30th, 20 19, Alipay began to make an appointment to adjust the billing date and corresponding repayment date in Bai Hua: users who have signed a contract in Bai Hua for more than one year can enter the setting of Bai Hua-My repayment date after passing the system evaluation. Users can now choose to repay on June 5438+05 or 20, and the billing date will be adjusted to June 5 or 10 accordingly.

Can Alipay Hua Bai's installment repayment be changed back to one-time full repayment?

Cannot be modified.

Alipay Flower Garden only has the opportunity to apply for installment repayment once a month, and it cannot be cancelled after application. Please confirm and select.

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

Extended data

Bai Hua's billing date and repayment date

1, billing date: this date is the billing date of Bai Hua. The billing date of the current month's bill (summarizing consumption details and expense details) issued by 1 every month is fixed and cannot be modified temporarily.

2. Repayment date: this date is the final repayment time agreed by Bai Hua in the agreement. If repayment is made after this date, a certain overdue fee will be charged and a negative record of overdue will be generated.

3. The bookkeeping date in Bai Hua is 1 every month, and the repayment date is 8, 9 or 10 every month. Please follow the instructions on the page.

Alipay service hall-what is a flower bud?

Alipay Service Hall-Bai Hua chose the wrong amount for installment repayment. Can I choose again?

Alipay Service Hall-How to calculate the installment principal and handling fee in Bai Hua?

Can I change the installment of ant flower buds? Because I pay in nine installments, but I want to change it to three months. I wonder if it's possible.

1. Garden has been divided into 9 phases and cannot be cancelled. Huabai can only apply for installment repayment once a month, and it cannot be cancelled after application. But it can be repaid in advance.

2. There are the following basic rules for operating the installment repayment of the flower garden bill:

(1) Number of installments: Bai Hua only has the opportunity to apply for repayment of bills by installments once a month, which cannot be cancelled after application. Please confirm and select. If the funds are sufficient after installment repayment, it can be settled in advance and all subsequent bills of Bai Hua can be paid off.

(2) Staging time: the operable staging time is from the payment date to the repayment date on June 1 day (August 8, 9 or 10, depending on the page display). It is suggested to operate the installment before the automatic deduction on the repayment date, so as to avoid the installment after the automatic deduction. You can still apply for installment after automatic deduction.

(3) Installment amount: of the issued account amount, all the amounts except "overdue fee, minimum repayment cycle interest, installment fee and installment principal" can be amortized, and the installment amount should be more than 65,438+00 yuan. (The repayment amount last month was 10000 yuan, including the previous installment amount and handling fee of 2000 yuan, so the maximum installment amount this time was 8000 yuan. )

(4) Number of installments: At present, there are 3 installments, 6 installments, 9 installments and 12 installments, and different installments will have different installment fees. Please refer to the page for details.

(5) Installment restriction: At present, the flowers are overdue, and it is impossible to repay them by installments with bills. Remember to repay them on time to avoid overdue.

(6) Credit line recovery: the credit line will not be recovered immediately after the installment is completed, because consumption still occupies the credit line, and the credit line will be gradually recovered with each subsequent repayment until the bill is settled.

3. Pay off the flower buds in advance: In order to better experience the flower buds, the computer will no longer provide functions such as repayment, review and staging of the flower buds. Please go to Alipay Mobile APP- Huabai to operate. How to operate: Open Alipay APP- My Customer Service, enter "Flower Bud Settlement in advance", click the settlement entry in the answer, and follow the prompts to operate Flower Bud Settlement in advance. The specific operation steps are as follows:

(1) Log in to Alipay.

(2) Click on me in the lower right corner.

(3) Go to my page.

(4) Click My Customer Service from the drop-down page.

(5) Enter my customer service page.

(6) the page drop-down click search answer.

(7) Enter flowers in the search box and settle the search in advance.

(8) When the page comes out, click Huabai to settle the loan in advance and jump to repay the loan in advance.

References:

Alipay-Pay off the flowers in advance

References:

Alipay-Bai Hua installment repayment can be re-selected if the wrong amount is selected.

Can I change the buds in stages?

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