China Installment IRR Calculator
China-specific installment APR calculator. Exposes the real IRR behind advertised installment rates from Huabei, JD Baitiao, credit card installments (advertised 7.2% is often actually ~13%). For Mandarin Chinese users.
商家宣传"年化"
7.20%
→
真实年化 (APR)
13.03%
⚠️ 真实利率是宣传利率的 1.81 倍 (高估了 5.8 个百分点)
常见预设
每期月供
¥893.33
总还款
¥10,720
总手续费
¥720
EAR (复利年化)
13.84%
为什么宣传 7.2% 实际是 13%?
商家说的 7.2% 是 总手续费 ÷ 借款 本金,这个口径假设你 12 期都欠着全部本金。 实际上你每个月都在还本金,平均借款本金只有约 1/2,所以真实年化要乘以约 1.85。 IRR (内部收益率) 是金融业的标准算法,能精确计算每笔现金流的真实收益率。
央行 2021 年起要求金融机构必须披露 APR(年化利率),不能只用"日息""手续费率"包装。 但很多分期产品仍在打擦边球。
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