✔ 最佳答案
Q. 應該做卡數分期(6個月)好?定有幾多比幾多划算d?
呢個月卡數一共要找九千五蚊。
你有幾多就還幾多先,還咗個部份唔會有罰息,
但未還個部份會有罰息,大約每年24%~50%。
卡數分期既利息底過罰息,大約每年5%~30%。
所以未還個部份你申請卡數分期還。
卡數分期利息計算:
舉例一:
假設呢個月卡數$9,500全數分6期,月息0.33%
每月付本金: $9,500 /6 = $1,583.33
月息: $9,500 x 0.33% = $31.35
每月本息共付: $1,583.33 + $31.35 = $1,614.68
利息總支出: $31.35 X 6 = $188.1
舉例二:
呢個月卡數$9,500全數唔還
假設逾期費用$200(手續費),罰息(月息)2%
逾期罰息: $9,500 X 2% = $190.00
下個月支付: 新簽賬 + 欠款 + 逾期費用 + 罰息
= 新簽賬 + $9,500 + $200 + $190 = $9,890
額外費用及利息支出: $200 + $190 = $390
舉例三:
呢個月卡數$9,500,先還$4,700
餘款$4,800分6期,月息0.33%
每月付本金: $4,800 /6 = $800
月息: $4,800 x 0.33% = $15.84
每月本息共付: $800 + $15.84 = $815.84
利息總支出: $15.84 X 6 = $95.04