> For the complete documentation index, see [llms.txt](https://help.daak2.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.daak2.com/zh-cn/fen-qi-yu-ding-cun/installment.md).

# 分期

## 创建分期计划

1. 打开 **分期**，点击右上角 **+**。
2. 选择 **消费分期**或**欠款分期**。已有支出也可以从账单详情选择 **转为分期**。
3. 填写本金、期数、年利率、首期日期和还款账户。
4. 选择计算方式与计息方式。
5. 检查每期计划后保存。

| 设置      | 使用方式                |
| ------- | ------------------- |
| 固定金额    | 按银行给出的每期金额记录        |
| 等额本息    | 每期总还款额相对稳定          |
| 等额本金    | 本金固定，利息逐期变化         |
| 按月计息    | 每期按月利率计算            |
| 按实际天数计息 | 按每期真实天数计算，适合首期不规则日期 |

## 记录还款

1. 点击分期计划进入详情。
2. 选择待还期数。
3. 确认本金、利息、付款账户和日期。
4. 保存后，该期标记为已还并生成关联账单。

## 调整计划

| 操作          | 使用方法                  |
| ----------- | --------------------- |
| **调整期数**    | 在编辑页查看或调整每期本金、利息和日期   |
| **提前结清**    | 记录剩余本金和相关费用           |
| **恢复额度**    | 信用账户分期可设置还款后恢复的信用额度   |
| **恢复为普通账单** | 保留原支出并删除分期计划及其它关联还款账单 |
| **已结束**     | 在分期页面底部查看已经结束或结清的计划   |

{% hint style="danger" %}
删除分期计划及关联账单，不可撤销。删除分期原账单时，也会删除对应计划及关联账单。
{% endhint %}


---

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