本报记者 杨汛 实习生 韩芳

Our reporter Yang xun HanFang interns

　　春节期间是消费高峰，无论是给家里添个“大件”电器，还是换辆新车，不少银行信用卡都针对性地推出了号称“免利息”的分期付款业务。但是记者调查发现，名义上的“免利息”实际上另有玄机。不仅各家信用卡都要加收一笔“手续费”，且逐月分摊下来，这笔不菲的手续费往往大大超出消费者的预期。

During the Spring Festival is the peak consumption,Whether to add a home"big"electrical,Or in a new car,A lot of bank credit card are pointed out as the"From interest"The installment payment business.But the reporter survey found,nominal"From interest"Actually otherwise mystery.Not only their credit card will be a pen"commission",Month by month and share down,The significant charge often than consumer expectations.

　　疑问一 Doubt a

　　已还本金仍收手续费 The principal has also still receive poundage

　　春节前，家住月坛的市民刘女士刷卡花18000元给自己买了一枚翡翠戒指。“一次性花18000元有点高，正好看见有银行的分期付款，还说免去全部利息，我就动了心。”刘女士说，她向这家银行申请了12期的分期付款。

Before the Spring Festival,The citizens of credit card in 20:30 liu jianhua calls her spend 18000 yuan to buy themselves a pieces of jade ring."One-time cost 18000 yuan is a little bit high,Just saw a bank payment by installment,Also said that interest from all,I will move the heart."Liu said,She asked the bank for 12 issue of the payment by installment.

　　本以为免利息之后，18000元分成12期，每个月自己只需还款1500元即可。但事情并不像刘女士打的小算盘这般顺利。在办理分期付款业务时，银行告诉刘女士，按照银行的规定，12期的分期付款，每期需要按照消费总金额的0.6%来缴纳手续费，12期算下来名义年利率为7.2%。也就是说，刘女士每个还款期要向银行支付1500元的本金和108元（18000元×0.6%）的手续费。

This thought free after interest,18000 yuan into 12 period,Every month $1500 can only their payments.But things are not like liu dozen petty niggling so smooth.In conduction installment payment business,Bank tell liu,In accordance with the provisions of the bank,12 issue of the payment by installment,According to the consumption each need to pay 0.6% of the total amount of the commission,12 period is down 7.2% annual interest rate for the name.that,Liu every repayment period to the bank to pay 1500 yuan, and the principal of the 108 yuan(18000 yuan x 0.6%)commission.

　　“毕竟银行也不能白给你服务，收取一些手续费也属正常。”刘女士抱着这样的想法跟银行签订了分期付款合同。但是，在开始按月还款之后，她却越想越不对劲儿。

"After all, the bank also can't white to serve you,Collect some charges are normal."Liu embrace this idea with bank signed installment contract.but,In order to start the month after reimbursement,She was more think more is wrong.

　　“我每个月给银行还款1500元的本金，这样在一年的时间里，我的本金是逐月减少的，到了还款的最后一期就只占用银行1500元的额度。为何银行每期仍要按照18000元的全额本金来收取手续费呢？”刘女士认为，按照12期分期付款来算，她每月应还的手续费应该是递减的，比如第一个月为18000×0.6%=108元，第二个月为16500×0.6%=99元……以此类推，到第十二个月时只应支付9元的手续费，而手续费总额为702元。

"I every month to bank repayment of 1500 yuan of principal,In the year,My principal is reduced month by month,The repayment of the last period will only take the $1500 bank line.Why each bank is RMB 18000 in accordance with the full principal to collection poundage?"Liu think,According to the 12 installment payment to calculate,She have a monthly should also commission should be decreasing,Such as the first months of 18000 x 0.6% = 108 yuan,The second month for 16500 x 0.6% = 99 yuan...So on,To 12 months shall pay only 9 yuan fee,And charges total is 702 yuan.

　　但根据银行的算法，每期都需要支付108元的手续费，12期累积起来就是1296元手续费。两者之间近一倍的差价，让刘女士感觉很不平衡。“我原来以为免利息分期付款就是将商品价格分成12期，按期向银行还款就可以了，哪知道另外要交手续费这么高！”

But according to the algorithm of the bank,Each issue need to pay 108 yuan fee,The cumulative 12 period is 1296 yuan fee.Both between nearly twice as many spread,Let her feel is not balanced."I used to think that free interest payment by installment is commodity prices will be divided into 12 period,The bank on the reimbursement,Which know in addition to pay fee so high!"

　　疑问二 Question 2

　　退货为何不退手续费 Why don't return back charges

　　刘女士的经历并不是个案。记者随机走访了30位消费者后发现，超过7成的消费者都抱着和她一样的想法。而且在部分商家和银行的宣传之中，也有意避开“手续费”这一关键收费。以目前较为流行的购车分期为例，记者昨日走访多家4S店发现，虽然都打出“零首付、零利息”的诱人广告，但是广告中很少会打出“零手续费”的词汇。

Liu experience is not the case.Reporter random visited 30 a consumer found,More than of consumers are holding and her idea.And in some stores and Banks of publicity,Is also intended to avoid"commission"The key charge.At the current stage of the popular car as an example,Reporters yesterday visited several 4 s shop found,Although with"Zero down payment/Zero interest"Attractive advertising,But advertising rarely hit"Zero charge"vocabulary.

　　“免利息”分期付款这一消费方式中暗藏的“潜规则”还不止于此。“退货不退手续费”也是很多消费者并不了解的一条规定。

"From interest"Payment by installment the consumption patterns of hidden"Latent rules"Is more than that."Return not refund fee"Is also a lot of consumers do not know a rule.

　　消费者吴峰在某电子商务网站购买电视，使用信用卡分期付款，仅仅几天后电视就出现了质量问题。但是吴峰在办理退货时被告知，分期付款不能退手续费。记者调查多家银行发现，根据银行规定，若持卡人所购买的商品发生退货情况需要终止分期付款，除工商银行明确规定退货退分期手续费外，多数银行是不退还已经支付的手续费的，消费者遇到这种情况只能“认倒霉”，看着手续费打水漂。

Consumer wu feng in a e-commerce sites to buy TV,Use a credit card payment by installment,Just a few days later television appeared quality problem.But wu feng in return for when he was informed,Payment by installment can't refund fee.Journalists to investigate several bank found,According to the regulations of bank,If the card holder of the goods they buy in return to termination payment by installment,In addition to specified commercial bank charges outside return back stage,Most of the bank is not refundable has to pay the fee,Consumers are in this kind of situation can only"Recognize unlucky",Look at commission poured down the drain.

　　建议 Suggestions

　　按 According to the房贷 mortgage“等额本金”方式还款 "Equal principal"Reimbursement way

　　目前，银行发行的信用卡均提供分期付款的业务，尽管免除利息，但每家银行都需要卡主在每期还款时缴纳一定比例的手续费。

At present,The bank issued credit CARDS provide payment business,Despite interest from,But each Banks are required to be card master in each installment payments to pay a certain percentage of commission.

　　各家银行的手续费按照分期不同也不尽相同。以某商业银行为例，3期的手续费比率为全额本金的0.87%，6期为0.7%，12期为0.6%。国有银行的手续费比率通常略低于股份制银行。尽管手续费缴纳的比率不同，但相同的是分期付款的卡主，每月都需要缴纳固定金额的手续费，手续费的比率不会因为贷款本金的减少而降低。

Banks charge according to different stages is endless also and same.A commercial bank as an example,3 issue of the commission rate for a full 0.87% of the principal,6 to 0.7%,12 period for 0.6%.State-owned Banks charge rates are usually slightly lower than the joint-stock Banks.Although charge of pay rate is different,But the same is payment card master,Every month need pay fixed amount of commission,Commission rate won't because of loan principal decreases.

　　一位不愿透露姓名的业内人士告诉记者，目前信用卡分期付款的手续费规定确实有一定的不科学性，名义利率远低于实际贷款利率的事实普遍存在。另外，分期付款还有一个“陷阱”，持卡人即使提前偿还欠款，手续费仍需要按照原计划扣除，也就是说提前还款并不能降低分期成本。这些都是还款人在选择分期付款前，需要提前考虑的问题。

One does not wish to disclose the name of the personage inside course of study tells a reporter,At present the credit card payment commission regulations do have certain not scientific,Nominal interest rate is far lower than the actual loan interest rate fact widespread.In addition,Payment by installment and a"trap",Cardholder even pay in advance,Commission still need to deduct in accordance with the original plan,That is prepayment and does not reduce the cost of installment.These are all reimbursement people choose before payment,Need to consider problems in advance.

　　对此，有信用卡卡主建议，银行可以参照房贷还款中的等额本金贷款方式，对分期付款手续费规则进行合理设计。等额本金还贷方式利息可以随着贷款本金的减少而递减，信用卡分期付款也应提供等额本金方式供客户进行选择。

this,There is credit kaka main Suggestions,Banks can refer to mortgage repayment of loan principal equal way,For installment payment commission rules reasonable design.The principal way equal loan interest can along with the loan principal reduction and decline,Credit card payment by installment should also provide the principal way equal for customers to choose.