Personal POS card swiping is generally done by credit card, that is, using an interest-free loan granted by the bank. It is said that it is interest-free. In fact, there is a fee for swiping the card. This fee is generally deducted from the credit card amount. The current rate is generally around 0.6. For example, if the card is 10,000, the fee is 0.6, and the handling fee is about 60 yuan. In addition, the withdrawal fee of 2 yuan is 62 yuan.
Let us take the bank's universal funds as an example. The total rate for six months is 4.79. If the universal use of 10,000 yuan, the handling fee is about 479 yuan. The cost of pos machine card is about 372 yuan. This is the result of a brushing of 10,000 a month and a brushing of 6 times. The cost of the universal gold is at least 100 yuan higher.
Even if you use a POS rate of 0.72+2, the result is only $454.
The boring calculations are here, let's take a look at the examples. A classmate has the intention to buy a car, agrees that a bank borrowed 10w of universal gold, and 5126 per month, a total of 24 issues, 834 interest per month, want to want more than 2w, heart hurts. If you pay back in advance, you must pay a 3% penalty. Can you use your heart to understand, this interest is not high? !
It is estimated that you are using your personal POS machine as the best solution. But the worst solution is private lending. Everyone who has made the previous question is also clear, and must pay attention unless it is absolutely necessary.
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