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不算不知道,花呗分期的真实利率居然这么高
2022-07-07 23:31:00 【大聪明325】
相信我们很多人买东西都会用花呗吧,有时候手头紧,到还款日不想马上把钱都还回去,看着花呗每期才几个点的费率,误以为费率就是借钱的利率,很自然就会去点了分期还款,但花呗分期的真实利率其实高达十几个点,没点财务知识可能真的就被它每期几个点的费率给误导了。
一、手续费率不是真实利率
下面看看花呗给出的分期手续费率的算法:
假设我们借了1200块钱,3个月后还 1200×(1+2.5%)=1230 元,这时候3个月的利率是2.5%没问题。
但实际上你并没有把这1200块钱完全占用3个月,按照官方给出的算法,如果我们借1200块钱,分3期还款的话,每期手续费应该是1200×2.5%÷3=10块钱,所以真实情况是:
第一次还款的时候,你只占用了1个月的1200块钱,还了400后你还剩800
第二次还款的时候,你只占用了2个月的800块钱,还了400后你还剩400
第三次还款的时候,只有最后这400块钱你是完完全全占用了3个月的,每次还款都支付了10元利息
因为钱的实际占用时间短了,所以你3个月的真实利率是高于2.5%的。
二、真实利率算法
算真实利率我们需要计算花呗现金流的内部收益率(Internal Rate of Return,简称IRR),假设我们还是借了1200块钱,花呗第一个月支出了1200元,后面连续3个月每月收回了410元,那这股现金流就是 **[-1200,+410,+410,+410]**,Excel直接提供了计算现金流的内部收益率的函数IRR,我们直接调用就可以了,调用方法如下:
月利率 = 1.24%
最后算得我们这股现金流的**月利率是1.24%,那么3个月的利率就是1.24%×3=3.72%,比我们看到的2.5%要高出不少,那这样就很容易得出花呗的年化利率为1.24%×12=14.94%**,接近15%。
通过同样的方法,我们可以分别求出花呗分3期、6期和12期还款的的真实年化利率,如下图:
3种分期还款方式的**年化利率分别是14.94%、15.27%、15.86%**,这样的利率对大部分人来说已经是一个很高的利率了,因为大部分人做投资的年收益率是达不到15%的。
所以说,如果现金在你手里的投资回报率达不到花呗的利率,能不分期还是不分期吧,直接还款痛一阵,分期用习惯了,你的财富会被这种高利率一点点地腐蚀掉,得不偿失。
文末福利:关注【克里斯手册】公众号并回复“花呗分期”,就能获取带公式计算的花呗分期真实利率的Excel
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