农业银行信用卡分期种类，分期期数，分期基准费率（每期）及基准费率对应的折算实际年化费率、执行费率（每期）及执行费率对应的折算实际年化费率：消费分期、账单分期、现金分期、乐分期、消费备用金、自动分期卡、商户分期、专项分期。
注：
1、以上结果仅供参考，各分期产品执行费率以办理时系统展示的费率为准。专项分期是指在农业银行申请办理的汽车分期、家装分期、车牌分期等分期产品。办理商户分期、专项分期时，对应的执行费率及折算实际年化费率请咨询办理行。
2、分期折算实际年化手续费率是通过计算内含报酬率（使未来现金流折现到与当前现金流相等的折现率）后年化得出，并非您支付的手续费与分期交易额比例，您所支付的分期手续费是按照分期本金乘以适用的分期费率计算得出。例如：王小姐办理10000元账单分期，申请分期期数为12期，分期总手续费率为7.2%（每期手续费率0.6%），则王小姐所需支付的账单分期总手续费为10000*7.2%=720元，即每期需支付分期手续费60元。
3、提前还款规定：提前还款的，还款金额为全部未到期分期本金和分期手续费，全部金额提前还款成功后，分期自动结束。
#p#副标题#e#
|
|
|
1期 |
2期 |
3期 |
6期 |
9期 |
12期 |
24期 |
36期 |
48期 |
60期 |
|
消费 分期 |
基准费率（每期） |
– |
– |
0.60% |
0.60% |
0.60% |
0.60% |
0.60% |
– |
– |
– |
|
执行费率（每期） |
– |
– |
0.60% |
0.60% |
0.60% |
0.60% |
0.60% |
– |
– |
– |
|
|
基准费率对应的折算实际年化费率 |
– |
– |
10.77% |
12.23% |
12.77% |
13.05% |
13.22% |
– |
– |
– |
|
|
执行费率对应的折算实际年化费率 |
– |
– |
10.77% |
12.23% |
12.77% |
13.05% |
13.22% |
– |
– |
– |
|
|
账单 分期 |
基准费率（每期） |
1% |
0.9% |
0.60% |
0.60% |
0.60% |
0.60% |
0.60% |
– |
– |
– |
|
执行费率（每期） |
1% |
0.9% |
0.60% |
0.57% |
0.60% |
0.54% |
0.51% |
– |
– |
– |
|
|
基准费率对应的折算实际年化费率 |
12% |
14.46% |
10.77% |
12.23% |
12.77% |
13.05% |
13.22% |
– |
– |
– |
|
|
执行费率对应的折算实际年化费率 |
12% |
14.46% |
10.77% |
11.62% |
12.77% |
11.77% |
11.30% |
– |
– |
– |
|
|
现金 分期 |
基准费率（每期） |
– |
– |
0.80% |
0.69% |
0.69% |
0.69% |
– |
– |
– |
– |
|
执行费率（每期） |
– |
– |
0.56% |
0.52% |
0.52% |
0.52% |
– |
– |
– |
– |
|
|
基准费率对应的折算实际年化费率 |
– |
– |
14.52% |
14.47% |
15.40% |
16.02% |
– |
– |
– |
– |
|
|
执行费率对应的折算实际年化费率 |
– |
– |
10.14% |
10.85% |
11.51% |
11.96% |
– |
– |
– |
– |
|
|
乐分易 |
基准费率（每期） |
– |
– |
– |
0.69% |
– |
0.60% |
0.60% |
0.60% |
0.60% |
0.60% |
|
执行费率（每期） |
– |
– |
– |
0.30% |
– |
0.30% |
0.30% |
0.30% |
0.30% |
0.30% |
|
|
基准费率对应的折算实际年化费率 |
– |
– |
– |
14.05% |
– |
13.05% |
13.22% |
13.26% |
13.09% |
12.74% |
|
|
执行费率对应的折算实际年化费率 |
– |
– |
– |
6.14% |
– |
6.59% |
6.74% |
6.83% |
6.80% |
6.66% |
|
|
消费 备用金 |
基准费率（每期） |
– |
– |
0.74% |
0.69% |
– |
0.60% |
0.60% |
0.60% |
– |
– |
|
执行费率（每期） |
– |
– |
0.36% |
0.36% |
– |
0.35% |
0.35% |
0.35% |
– |
– |
|
|
基准费率对应的折算实际年化费率 |
– |
– |
13.42% |
14.47% |
– |
13.88% |
15.13% |
16.41% |
– |
– |
|
|
执行费率对应的折算实际年化费率 |
– |
– |
6.50% |
7.48% |
– |
7.96% |
8.47% |
8.96% |
– |
– |
|
|
自动 分期卡 |
基准费率（每期） |
– |
– |
– |
0.42% |
|
0.33% |
0.33% |
0.33% |
– |
– |
|
执行费率（每期） |
– |
– |
– |
0.42% |
|
0.33% |
0.33% |
0.33% |
– |
– |
|
|
基准费率对应的折算实际年化费率 |
– |
– |
– |
8.67% |
|
7.57% |
8.05% |
8.50% |
– |
– |
|
|
执行费率对应的折算实际年化费率 |
– |
– |
– |
8.67% |
|
7.57% |
8.05% |
8.50% |
– |
– |
|
|
商户 分期 |
基准费率（每期） |
– |
– |
0.60% |
0.60% |
0.60% |
0.60% |
0.60% |
0.60% |
0.60% |
0.60% |
|
基准费率对应的折算实际年化费率 |
– |
– |
10.77% |
12.23% |
12.77% |
13.05% |
13.22% |
13.26% |
13.09% |
12.74% |
|
|
专项 分期 |
基准费率（每期） |
– |
– |
– |
0.33% |
0.33% |
0.33% |
0.33% |
0.33% |
0.33% |
0.33% |
|
基准费率对应的折算实际年化费率 |
– |
– |
– |
6.82% |
7.14% |
7.32% |
7.48 |
7.57% |
7.53% |
7.36% |
|
|
|
1期 |
2期 |
3期 |
6期 |
9期 |
12期 |
24期 |
36期 |
48期 |
60期 |
|
消费 分期 |
基准费率（每期） |
– |
– |
0.60% |
0.60% |
0.60% |
0.60% |
0.60% |
– |
– |
– |
|
执行费率（每期） |
– |
– |
0.60% |
0.60% |
0.60% |
0.60% |
0.60% |
– |
– |
– |
|
|
基准费率对应的折算实际年化费率 |
– |
– |
10.77% |
12.23% |
12.77% |
13.05% |
13.22% |
– |
– |
– |
|
|
执行费率对应的折算实际年化费率 |
– |
– |
10.77% |
12.23% |
12.77% |
13.05% |
13.22% |
– |
– |
– |
|
|
账单 分期 |
基准费率（每期） |
1% |
0.9% |
0.60% |
0.60% |
0.60% |
0.60% |
0.60% |
– |
– |
– |
|
执行费率（每期） |
1% |
0.9% |
0.60% |
0.57% |
0.60% |
0.54% |
0.51% |
– |
– |
– |
|
|
基准费率对应的折算实际年化费率 |
12% |
14.46% |
10.77% |
12.23% |
12.77% |
13.05% |
13.22% |
– |
– |
– |
|
|
执行费率对应的折算实际年化费率 |
12% |
14.46% |
10.77% |
11.62% |
12.77% |
11.77% |
11.30% |
– |
– |
– |
|
|
现金 分期 |
基准费率（每期） |
– |
– |
0.80% |
0.69% |
0.69% |
0.69% |
– |
– |
– |
– |
|
执行费率（每期） |
– |
– |
0.56% |
0.52% |
0.52% |
0.52% |
– |
– |
– |
– |
|
|
基准费率对应的折算实际年化费率 |
– |
– |
14.52% |
14.47% |
15.40% |
16.02% |
– |
– |
– |
– |
|
|
执行费率对应的折算实际年化费率 |
– |
– |
10.14% |
10.85% |
11.51% |
11.96% |
– |
– |
– |
– |
|
|
乐分易 |
基准费率（每期） |
– |
– |
– |
0.69% |
– |
0.60% |
0.60% |
0.60% |
0.60% |
0.60% |
|
执行费率（每期） |
– |
– |
– |
0.30% |
– |
0.30% |
0.30% |
0.30% |
0.30% |
0.30% |
|
|
基准费率对应的折算实际年化费率 |
– |
– |
– |
14.05% |
– |
13.05% |
13.22% |
13.26% |
13.09% |
12.74% |
|
|
执行费率对应的折算实际年化费率 |
– |
– |
– |
6.14% |
– |
6.59% |
6.74% |
6.83% |
6.80% |
6.66% |
|
|
消费 备用金 |
基准费率（每期） |
– |
– |
0.74% |
0.69% |
– |
0.60% |
0.60% |
0.60% |
– |
– |
|
执行费率（每期） |
– |
– |
0.36% |
0.36% |
– |
0.35% |
0.35% |
0.35% |
– |
– |
|
|
基准费率对应的折算实际年化费率 |
– |
– |
13.42% |
14.47% |
– |
13.88% |
15.13% |
16.41% |
– |
– |
|
|
执行费率对应的折算实际年化费率 |
– |
– |
6.50% |
7.48% |
– |
7.96% |
8.47% |
8.96% |
– |
– |
|
|
自动 分期卡 |
基准费率（每期） |
– |
– |
– |
0.42% |
|
0.33% |
0.33% |
0.33% |
– |
– |
|
执行费率（每期） |
– |
– |
– |
0.42% |
|
0.33% |
0.33% |
0.33% |
– |
– |
|
|
基准费率对应的折算实际年化费率 |
– |
– |
– |
8.67% |
|
7.57% |
8.05% |
8.50% |
– |
– |
|
|
执行费率对应的折算实际年化费率 |
– |
– |
– |
8.67% |
|
7.57% |
8.05% |
8.50% |
– |
– |
|
|
商户 分期 |
基准费率（每期） |
– |
– |
0.60% |
0.60% |
0.60% |
0.60% |
0.60% |
0.60% |
0.60% |
0.60% |
|
基准费率对应的折算实际年化费率 |
– |
– |
10.77% |
12.23% |
12.77% |
13.05% |
13.22% |
13.26% |
13.09% |
12.74% |
|
|
专项 分期 |
基准费率（每期） |
– |
– |
– |
0.33% |
0.33% |
0.33% |
0.33% |
0.33% |
0.33% |
0.33% |
|
基准费率对应的折算实际年化费率 |
– |
– |
– |
6.82% |
7.14% |
7.32% |
7.48 |
7.57% |
7.53% |
7.36% |
注
