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网购分期

一、业务介绍

“FENQIQINGSONGGOU”SHIZHONGGUOYINXINGWEIXINYONGKACHIKARENTEBIEDINGZHIDEFENQIFUKUANFANGSHI:NINZHIXUXIAOFEIMANYIDINGJINE,BINGZAIZHIDINGRIQIQIANZHIDIAN24XIAOSHIFUWUREXIAN40066-95566,JIKESHENQINGJIANGPUTONGXIAOFEIZHUANWEIFENQIFUKUAN。

FENQIQINGSONGGOU·XIAOFEIFENQI:

JIAOYIRIHOUZHIZUIJINYIQIZHANGDANRI2TIANQIANZHIDIAN,JIKESHENQINGJIANGDANBI600YUAN(HAN)YISHANGDEPUTONGSHUAKAXIAOFEIJIAOYIZHUANWEIFENQICHANGHAI。

FENQIQINGSONGGOU·ZHANGDANFENQI:

ZHANGDANRIHOUZHIDANGQIZHANGDANHAIKUANRI2TIANQIANZHIDIAN,JIKESHENQINGJIANGDANGQIZHANGDANRENMINBIXINZENGSHUAKAXIAOFEIJINEZHUANWEIFENQICHANGHAI。MEIQIZHANGDANSHENQINGZHANGDANFENQIDEJINEXUWEIZHENGSHU,ZUIDIWEIRENMINBI1,000YUAN,ZUIGAOBUCHAOGUODANGQIZHANGDANXINZENGSHUAKAXIAOFEI(BUHANYUJIEXIANJIN、FENQIFUKUANJIAOYIYIJIQITABENXINGZHIDINGDEJIAOYI)ZONGEDE90%。

二、业务特点

BUXIANDIYU~ BUXIANSHANGPIN~MIANCHULIXI~CHAODISHOUXUFEI~FENQIJINEGENGYOUSHUANGBEIJIFEN!FENQIQINGSONGGOU,RANGNINXINYUANQINGKESHIXIAN!

·RENYI——SHENQINGBUSHOUXIAOFEISHANGHUHESHANGPINXIANZHI。

·ZIZHU——3、6、9、12、18、24QIFENQI,RANGNINZIZHUXUANZE。

·CHAOZHI——MIANSHOULIXI,MEIQIZUIDI0.6%DECHAODIFEILV,FENQIJINEHAIXIANGSHUANGBEIJIFEN。

FENQISHOUXUFEILVBIAO:

分期期数 3 6 9 12 18 24
分期手续费率 1.95% 3.6% 5.4% 7.2% 11.7% 15%

温馨提示:分期手续费将在首期一次性收取,一经收取不予退还。本费率表将根据市场情况适时调整。

·BIANJIE——ZHIDIAN24XIAOSHIKEFUREXIAN40066-95566,SUISHIKEYIBANLI。

·QINGSONG——FENQIJINETONGYANGSHIYONGMIANXIHAIKUANQIHEZUIXIAOHAIKUANEGUIDING。

“分期轻松购”的分期扣账,采取月均等额扣账款的方式,取整入账。当总金额无法整除期数时,剩余金额全部加总在首次入账金额中进行扣账。

如:张先生购买家电消费1210元,采用12个月分期,则首期扣款金额为110元,后十一期的扣款金额相同,都为100元。最低还款额首期为11元,以后每期为10元。

三、业务流程

WENXINTISHI:FENQIQINGSONGGOU·ZHANGDANFENQIHAIKETONGGUOIVRYUYINXITONGZIZHUBANLI,RANGNINQINGSONGFENQIWUDENGHOU!BANLIZHIXUBODA40066-95566XUANZE“3.CHIKARENFUWU”—>“7.FENQIFUKUANJICHAXUN”—>“3.ZHANGDANFENQI”HOUANYUYINTISHICAOZUOJIKE。

四、适用卡种

1、ZHONGYINXILIEXINYONGKA

2、XINYIDAIZHANGCHENGRENMINBIXINYONGKA。(FUSHUKADEXIAOFEIJIAOYIYIKEBANLI“FENQIQINGSONGGOU”,GONGWUKAZANBUTIGONGCIFUWU)

五、Q&A

1、SHENMEKAKEBANLI“FENQIQINGSONGGOU”YEWU?

ZHIXUNINCHIYOUZHONGGUOYINXINGZHONGYINXILIEXINYONGKA、JIXINYIDAIZHANGCHENGRENMINBIXINYONGKA,WULUNZHUFUKAJIEKESHENQINGBANLI。DANGONGWUKAZANBUTIGONGCIFUWU。

2、FENQIQINGSONGGOU”YEWUNENGFENDUOSHAOQI?

MUQIAN,ZHONGGUOYINXINGTIGONG3、6、9、12、18、24DEFENQIQISHU,MEIQIWEIYIGEYUE。

3、“FENQIQINGSONGGOU”MEIQIFENQIJINEDEKOUZHANGYUHAIKUANSHIJIANRUHEANPAI?

CHENGGONGSHENQING“FENQIQINGSONGGOU”HOU,ZHONGGUOYINXINGJIANGGENJUYUEDINGDEFENQIQISHUZAIZHANGHUDUIZHANGDANRIJIANGMEIQIHAIKUANJINEKOUZHANGBINGJIRUZHANGHU,SHENQINGCHENGGONGHOU,FENQIQISHUBUNENGGENGGAI。

NINXUZAIMEIYUEDAOQIHAIKUANRIQIANANQIFUKUAN,ZHIZHIFUQINGQUANJIAKUANWEIZHI。RUWEIQUANEHAIKUAN,LIXI、ZHINAJINDENGJISHOUGUIZETONGYIBANXIAOFEIJIAOYI。(SHENQINGZHANGDANFENQICHENGGONGHOU,DANGQIZHIXUZAIDAOQIHAIKUANRIQIANCHANGHAIKOUCHUZHANGDANFENQIJINEHOUDESHENGYUZHANGDANJINE。RUNINZAISHENQINGCHENGGONGHOUWEINENGANSHIQUANBUCHANGHAIDANGQISHENGYUZHANGDANJINE,DANGQIZHANGDANJIANGSHIWEIWEIQUANEHAIKUAN。)

RUNINCHANGHAIMEIQIZHANGDANYINGHAIJINEHOURENGYOUDUOYUKUANXIANG,JIANGBUHUITIQIANQINGCHANGFENQISHENGYUWEIHAIBENJIN。

4、“FENQIQINGSONGGOU”DEFENQIFUKUANXINYONGEDUYOUDUOSHAO?

NINFENQIFUKUANEDUDENGTONGYUXINYONGEDU,BINGGONGXIANGXINYONGEDU。WAIBIZHANGHU、LINSHITIE、DAIFANGYUEDOUBUNENGJIRUFENQIFUKUANEDU。ZAININCHANGHAIMEIQIKOUZHANGDEFENQIFUKUANJINEHOU,XITONGJIANGANHAIKUANJINEZIDONGHUIFUFENQIFUKUANKEYONGYUE。

5、FENQISHOUXUFEIRUHESHOUQU?

FENQISHOUXUFEIJIANGZAICHENGGONGBANLI“FENQIQINGSONGGOU”YEWUHOUYICIXINGSHOUQU,YIJINGSHOUQUBUYUTUIHAI。

6、FENQIFUKUANDEJIAOYIJINEKEYIJIRUMEIYUEDEZUIDIHAIKUANEMA?

KEYI。MEIYUEDAOQIRUZHANGDEFENQIJIAOYIJINESHITONGPUTONGJIAOYIRUZHANG,ANMEIQIFENQIJIAOYIKOUZHANGJINEDE10%JIRUDANGYUEZUIDIHAIKUANE,BINGKEXIANGSHOUXUNHUANXINYONG。

7、HEZHONGQINGXINGBUKEYISHENQING“FENQIQINGSONGGOU”YEWU?

WAIBIJIAOYI、QUXIANJIAOYI、ZHUANZHANGJIAOYI、FENQIKOUZHANGJIAOYI、FEIYONG、LIXIDENGBUKEJINXINGFENQI;FEIDANGQIZHANGDANDEXIAOFEIJIAOYI、YIHAIKUANHUOYIFENQIDEDANGQIZHANGDANXIAOFEIJIAOYIBUKESHENQINGZHANGDANFENQI。

KAPIANHUOZHANGHUCHUXIANYICHANGZHUANGTAISHI,JIANGBUYUNXUSHENQINGFENQIFUKUAN。LINSHIDIAOGAODEXINYONGEDUHEZHANGHUDECUNKUANYUEBUNENGYONGYUFENQIFUKUANJIAOYI。

8、FENQIJINEXIANGSHUANGBEIJIFENZHISHENME?

ZHISHENQINGFENQICHENGGONGHOUYUANJIAOYIJIFENBUYUCHONGJIAN(CHEFANG、GONGYILEIXIAOFEIYUANJIAOYIWUJIFEN),TONGSHIMEIQIFENQIKOUZHANGJINEJIANGSHITONGPUTONGXIAOFEIZAIJIYIBEIJIFEN。

9、SHENMEQINGKUANGXIAHUISHI“FENQIQINGSONGGOU”DEJIAOYITIQIANJIEQING?

WEIBUYINGXIANGHAIKUANYIWUDEZHENGCHANGLVXING,RUNINYUQIDADAO60TIANHUONINZHUDONGTICHUXIAOHU,ZESUOYOUSHENGYUWEIHAIFENQIBENJINJIANGSHIWEIQUANBUDAOQI,ZHONGGUOYINXINGJIANGZHUDONGBAFENQISHENGYUYUEQUANBUYICIXINGJIRUZHANGHU,CISHININYINGDANGYICIXINGCHANGQINGQUANBUSHENGYUKUANXIANG。

10、YOUGUANXIAOFEIGOUHUOSHANGPINCUNZAIZHENGYIRUHECHULI?

RUNINYUSHANGHUJIANJIUSHANGPINZHILIANG、SONGHUO、SHOUHOUFUWUDENGSHIYIFASHENGZHENGYI,QINGZHIJIEYUSHANGHUXIESHANGCHULI。RUXIESHANGHOUFASHENGTUIHUOCHULI,YICHENGGONGBANLIDEFENQIYEWUJIANGBUSHOUYINGXIANG、JIXUZHENGCHANGSHIYONG。

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