支付宝花呗上线延期还款，不了解清楚让你越还越穷！
双十一剁手毫不手软，一看账单吓到腿软~“贴心”的支付宝花呗为了防止大家又吃土，又想出了一个法子帮大家减轻还款压力——延期还款。
眼尖的小伙伴应该提前在支付宝花呗首页看到这个功能了。没看到的朋友还可以打开【支付宝】-最下面菜单【朋友】-【生活号】关注【花呗】-【热门活动】-【喜欢你就明年还】，点击进去就可以看到了。
但是花呗延期还款功能要等到12月1日才能享受~
延期还款究竟能不能帮你省钱？支付宝究竟打的什么鬼主意？小编今天就来揭开它的真面目！
一、花呗延期还款是什么？
延期还款是在出账日1号—还款日期间（9号或10号），将本月出账金额的全部或部分（系统判断可延期金额）延期至下月再还的功能，此功能一定程度上暂时减轻了还款压力，但是需要支付一定的手续费。
比如11月花呗账单5000元（假设均可延期），本来是12月10号之前还完，现在可延期至1月还，条件是上交保护费延期费！总计5050元。
18年11月的账单19年1月还。宣传称“明年还”也没毛病，不看清楚还以为可以延期一年呢~
1.花呗延期还款有期限：最多延期一个月，不是想拖多久就能拖多久！而且下个月只能一次性还清，不能分期！
2.部分账单不可使用该功能，包括分期本金、手续费和利息等。
3.花呗延期还款会收取费用：根据延期还款的金额不同而不同。
二、具体收费标准
从中看出，花呗延期还款功能最高可延期5000元，最低300元。所以，想要使用花呗延期功能的广大老铁们，一定看清收费标准、看清还款时间！
延期费乍一看不是很多，之前不是有花呗分期吗？那支付宝究竟在打什么鬼主意呢？
三、小编帮你算账
11月的账单如果延期到1月还款，需要全额还+延期费，但是大家别忘了还有双十二！12月的账单正常还的话，也要1月还款，到时候两个月的账单加一起可不是一笔小数目呢！
12月的账单如果继续延期，2月还款，到时候也要全额还+延期费，1月、2月过年，又得大消费，大家就很可能就陷入持续延期还款“陷阱”，这样支付宝既可以赚延期费，收回资金还比分期6期、12期快，何乐而不为？
对于普通老百姓来说可就是，一入套路深四海，从此钱包似路人。一不小心还容易产生逾期，破坏征信。
最后小编提醒大家，不管是支付宝花呗延期还款，还是信用卡最低还款，都只能解决你的一时之需，最终还款的还是你自己，小伙伴在剁手的时候还是要悠着点呀~
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