In the eyes of Buddhism, the so-called happiness includes both wealth and wisdom. On the one hand, it is the acquisition of finance, on the other hand, it is the opening of wisdom. As a person's wealth, the main gains lie in past lives and this life. In fact, the wealth in this life has determined the wealth you earn in this life. If you advance ahead of time, then the next days will inevitably be lacking. Then it is bound to be diligent in doing good deeds and accumulating virtues in order to accumulate the blessings of this world. Otherwise, if you don't do good deeds, just overspending and spending in advance, it will inevitably make you poorer and poorer, and the blessings will be consumed by yourself in advance. Therefore, Buddhism does not disapprove of loans and installment payment, but emphasizes that on this basis, it is necessary to do good deeds and accumulate virtue.