The calculation formula is: daily service fee = (total expected repayment amount-actual repayment amount of users) × daily service rate.
Extended data:
When you encounter financial pressure temporarily, you can use the bill installment function: as long as you operate the bill installment from the billing date to the repayment date, after the installment is successful, the installment amount will be repaid in the first installment of the next bill, and there is no need to repay the installment amount in the month when the bill is issued, thus reducing your financial pressure.
The penalty rate of the IOUs system is 0.0 15% (day). If the minimum repayment amount is not paid off before the repayment date, the system will charge liquidated damages on a daily basis in addition to the daily service fee.
The calculation formula is: liquidated damages = (total expected repayment amount-actual repayment amount) × liquidated damages rate× days of default (when the actual repayment amount is less than the minimum repayment amount in the current period).
For example:
Xiao Ming's repayment amount this month is 1 1,000 yuan, the minimum repayment amount is 1 1,000 yuan, and the penalty rate is 0.0 15%. On the fourth repayment day, Xiao Ming discovered that he had forgotten to repay. At this time, Xiao Ming's penalty is 1, 000× 0.065, 438+05 %× 2 = 0.3 yuan.
References:
Jingdong Finance-Baitiao Charge Standard (Billing System)