> 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-tw/fen-qi-yu-ding-cun/installment.md).

# 分期

## 建立分期計畫

1. 開啟 **分期**，點一下右上角 **+**。
2. 選擇 **消費分期**或**欠款分期**。現有支出也可以從帳單詳細資料選擇 **轉為分期**。
3. 填寫本金、期數、年利率、首期日期和還款帳戶。
4. 選擇計算方式與計息方式。
5. 檢查每期計畫後儲存。

| 設定      | 使用方式                |
| ------- | ------------------- |
| 固定金額    | 依銀行提供的每期金額記錄        |
| 本息平均攤還  | 每期總還款額相對穩定          |
| 本金平均攤還  | 本金固定，利息逐期變動         |
| 按月計息    | 每期依月利率計算            |
| 按實際天數計息 | 依每期實際天數計算，適合首期不規則日期 |

## 記錄還款

1. 點一下分期計畫進入詳細資料。
2. 選擇待還期數。
3. 確認本金、利息、付款帳戶和日期。
4. 儲存後，該期會標記為已還並產生相關帳單。

## 調整計畫

| 操作          | 使用方式                  |
| ----------- | --------------------- |
| **調整期數**    | 在編輯頁查看或調整每期本金、利息和日期   |
| **提前結清**    | 記錄剩餘本金和相關費用           |
| **恢復額度**    | 信用帳戶分期可設定還款後恢復的信用額度   |
| **恢復為一般帳單** | 保留原支出並刪除分期計畫及其他相關還款帳單 |
| **已結束**     | 在分期頁面底部查看已經結束或結清的計畫   |

{% hint style="danger" %}
刪除分期計畫及相關帳單，無法復原。刪除分期原帳單時，也會刪除對應計畫及相關帳單。
{% endhint %}


---

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