Self-service installment is an installment loan for rent consumption based on the rental scene of a free rental platform, which reduces the rent pressure for tenants. It should be noted that if it is overdue, it will not only generate penalty interest, but also have a negative impact on credit reporting if the overdue time is too long. If the circumstances are serious, the rented house can be recovered from the platform.

There are also many forms of installment payment: the purchaser pays by installment, usually paying the down payment first, and then paying the second money after receiving the notice from the real estate agent; Divided into three installments, and the third installment will be paid within a certain period of time after check-in. In this way, the buyer usually pays more than one-time payment, but at the same time it can reduce the possible losses in the auction, such as "unfinished houses", as well as the decline in house prices other than the down payment and the changes in the economic situation of the buyer.

Loan installments are generally paid off in several years. The key here is when the installment payment will start except the down payment, in other words, when the loan bank will hand over the loan from the property buyer to the real estate developer. This time can start as soon as the loan procedure is completed, or it can start as soon as the house is handed over, which is more beneficial to the buyers.

Of course, how to pay is not the wishful thinking of buyers. If real estate developers have no strength, they must rely on buyers' money to build houses. Usually, they will not agree that the buyer's second payment will be delayed until delivery. In this case, property buyers can only decide whether to buy a real estate developer's house.

Find out the scope of installment payment. Banks have different ways to pay by installment. In addition to the goods in the credit card installment catalogue, some banks have specific requirements on the place and amount of purchase. For example, GDB card, you can apply for installment payment for a single transaction in 500 yuan, and you must call customer service to register before consumption; China Merchants Bank can apply for installment payment for consumption in Gome, B&Q and other places. It is important to find out whether this consumption can be paid in installments before shopping.

Accurately calculate the handling fee. Nothing for nothing. Although credit card installment payment is free of interest, the handling fee is inevitable. Calculate the handling fee to be paid before consumption. If the price is acceptable after adding the handling fee, it is not too late to swipe your card again.

Choose the most cost-effective credit card. Because banks calculate fees in different ways, you should choose the most suitable card to trade after you know the fees of credit cards. The service fee rates of various banks are as follows: Bank Phase III, Phase VI and Phase IX 12, China Guangfa Bank 1.8% 3.6% 5.4% 7.2% China Merchants Bank 2.6% 4.6% -7.2% Industrial and Commercial Bank of China1.65% 3.6% 5.