我要用信用卡刷6000然后分期，想分12期和24期，现在考虑交通和招商两个银行
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5000\u514312\u671f\u5206\u671f\u4ed8\u6b3e\u6bcf\u671f\u624b\u7eed\u8d39=5000*0.66%=33\u5143
5000\u514312\u671f\u5206\u671f\u4ed8\u6b3e\u6bcf\u671f\u5e94\u8fd8\u672c\u91d1=5000/12=416.66\u5143
5000\u514312\u671f\u5206\u671f\u4ed8\u6b3e\u6bcf\u671f\u5e94\u8fd8\u672c\u91d1+\u624b\u7eed\u8d39=416.66+33=449..66\u5143
5000\u514312\u671f\u5206\u671f\u4ed8\u6b3e\u6700\u540e\u4e00\u671f\u5e94\u8fd8\u672c\u91d1+\u624b\u7eed\u8d39=416.66+33+0.08=449.74\u5143
5000\u514312\u671f\u5206\u671f\u4ed8\u6b3e\u603b\u624b\u7eed\u8d39=5000*0.66%*12=33*12=396\u5143
当然是招行啦，我办的就是招行信用卡，费率底，服务态度好！
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绛旓細鎴戜妇渚嬪瓙锛屼腑琛岀殑鎵嬬画璐圭涓涓湀涓娆℃ 鏀跺彇锛屾寜鐓т氦鏄撻噾棰濈殑3.6%锛屾墜缁垂灏辨槸60003.6%=216锛岄偅涔堢涓涓湀瑕佽繕1216鍏冿紝涔嬪悗姣忎釜鏈堣繕1000鍏 浜屻佹郸鍙淇＄敤鍗閫忔敮6000鍒36鏈熻繕涓涓湀瑕佽繕澶氬皯閽卞埄鎭灏戞诲叡锛屾眰鍗＄鎸囨暀锛熸郸鍙戞渶澶鍒嗘湡24鏈燂紝鎸夌収24鏈熷垎6000锛60000.76锛=45.6杩欐槸浣犳瘡鏈熻杩樼殑鍒╂伅...
绛旓細淇＄敤鍗″垎鏈涓嶈鍒╂伅,涓鑸彧鏀舵墜缁垂,涓嶅悓閾惰鍒嗘湡鎵嬬画璐圭巼涓嶄竴鏍枫傛瘮濡傚缓琛屼俊鐢ㄥ崱,鍒24鏈,鎵嬬画璐规槸鍗冨垎涔嬪叚,鍒6000,姣忔湡鐨勬墜缁垂灏辨槸60000.006=36,灏辨槸璇翠綘姣忔湡瑕佷氦(6000/24)=250澶,杩樿鍐嶄氦36鍏,涓286鍏冦 涓.浠涔堟槸淇＄敤鍗¤捶娆? 淇＄敤鍗¤捶娆炬槸鎸囬摱琛屾牴鎹俊鐢ㄥ崱鎸佸崱浜虹殑璧勪俊鐘跺喌缁欎簣涓瀹氱殑棰濆害,鎸佸崱浜哄彲浠...
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绛旓細鍒嗘湡浠樻鎵嬬画璐规湁鐨勯摱琛屼竴娆℃ф敹鍙栵紝鏈夌殑閾惰姣忔湡鏀跺彇銆傚伐鍟嗛摱琛淇＄敤鍗″垎鏈浠樻鎵嬬画璐归鏈熸敹鍙.鍒嗘湡浠樻24鏈燂紝鎵嬬画璐15.6% 鎵嬬画璐 6000*15.6%=936 棣栨湡鍒嗘湡浠樻锛6000*15.6%+6000/24=1186 浠ュ悗姣忔湡鍒嗘湡浠樻:6000/24=250 浜ら氶摱琛屼俊鐢ㄥ崱鍒嗘湡浠樻鎵嬬画璐规瘡鏈熸敹鍙,姣忔湡鎵嬬画璐0.72 鍒嗘湡浠樻24鏈 鎵嬬画璐...
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绛旓細浜よ鍒嗘湡鎵嬬画璐圭巼涓0.72 鍒12涓湀锛屾瘡鏈堥渶瑕佸伩杩樼殑閲戦=6000*0.72%+6000/12=43.2+500=543.20鍏冿紝12鏈熷叡缂寸撼6410.40鍏冦傚垎24涓湀锛屾瘡鏈堥渶瑕佸伩杩樼殑閲戦=6000*0.72%+6000/24=43.2+250=293.20鍏冿紝24鏈熷叡缂寸撼7036.80鍏冦傚洜姝わ紝寤鸿鎮ㄥ垎鏈熻秺鐭秺鐪侀挶銆
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绛旓細1銆侀摱琛屼俊鐢ㄥ崱鍒嗘湡鏈熸暟鏈3銆6銆9銆12銆24浜旂锛屼笖鎵嬬画璐圭巼閮戒负0.60%锛屾墜缁垂鏀跺彇鏂瑰紡涓烘瘡鏈堟敹鍙栧綋鏈熸墜缁垂銆2銆佸鏋6000鍒12鏈 锛屾墜缁垂鍏辫锛6000*0.6%*12=432锛涙湰閲戝姞鎵嬬画璐瑰叡璁=6000+432=6432銆傝绠椾笅鏉ユ瘡鏈堣繕536鍏冦備俊鐢ㄥ崱鍒嗘湡浠樻鏄寚鎸佸崱浜浣跨敤淇＄敤鍗杩涜澶ч娑堣垂鏃讹紝鐢遍摱琛屽悜鍟嗘埛涓娆...
