平安信用卡“灵用金”现金分期付款(以下简称“灵用金”)业务是指持卡人(仅限主卡持卡人申请,附属卡持卡人不能申请,以下“持卡人”均指主卡持卡人)为满足自身消费需求,一次性在平安信用卡信用额度(含信用卡固定额度和临时额度)内按一定比例透支取现,分期偿还本金及一定数额手续费。
立即申请灵用金 >“灵用金”手续费分期收取,收费标准将依据持卡人实际用卡情况进行调整,具体费率表如下:
期数 | 每期手续费率区间 | 折算日利率区间 | 折算年化费率区间 |
3期 | [0.60%,0.99%] | [0.030%,0.049%] | [10.77%,17.73%] |
6期 | [0.62%,0.89%] | [0.035%,0.050%] | [12.64%,18.08%] |
12期 | [0.64%,0.83%] | [0.038%,0.049%] | [13.89%,17.90%] |
18期 | [0.64%,0.83%] | [0.039%,0.050%] | [14.09%,18.10%] |
24期 | [0.64%,0.83%] | [0.039%,0.050%] | [14.11%,18.09%] |
某持卡人申请“灵用金”5,000元,假设该持卡人申请“灵用金”每期的手续费率如下(实际费率因持卡人实际用卡情况略有差异),则每期应偿还金额如下表:
分期总金额 | 分期期数 | 每期手续费率 | 每期应还本金 | 每期应还手续费 | 每期应还金额 |
5000元 | 3期 | 0.90% | 1666.66 | 45.00 | 1711.66 |
6期 | 0.75% | 833.33 | 37.50 | 870.83 | |
12期 | 0.75% | 416.66 | 37.50 | 454.16 | |
18期 | 0.75% | 277.77 | 37.50 | 315.27 | |
24期 | 0.70% | 208.33 | 35.00 | 243.33 |
每期应还金额=分期总金额÷分期期数(余数记入首期应还金额)+分期总金额×每期手续费率
立即申请灵用金>>