Generally, the down payment is 30%, and the rest is divided into six or twelve installments. Different stores are different. Just ask directly in the store, and the clerk will be happy to introduce you. Anyway, consultation doesn't cost money.

I just bought a mobile phone by installment. If I pay in one lump sum, is there any charge?

1) It depends on how many installments you pay (too many installments, usually the interest will be less): 10005 (interest-free). If each installment is still 1000, you can only pay 1000 in the second month, or you can pay off the remaining 4000 in one lump sum.

2) If automatic repayment is not specially set, you need to make active repayment manually. The repayment date is one.

If you don't take the initiative to repay in time, it will have an impact on your credit limit and will also generate corresponding interest/liquidated damages.

Off-topic, I am also fascinated by Taobao's installment payment, which is much more mobile.

Third, how to buy a mobile phone by stages?

How to buy a mobile phone in installments? Staging consumption has become the current trend. What should I do if I want to buy a mobile phone by stages?

First, buy a mobile phone online in installments. Find the mobile phone you want to buy and choose to pay by installment. At this time, a small window will pop up, indicating the three credit card installment supported by JD.COM Mall, selecting to apply for credit card installment and confirming the order installment information.

Confirm the installment information, choose 3, 6 or 12 installments for repayment, and then save the installment information according to your actual income. Submit the order information, which lists the interest to be repaid in installments. The less installment, the less interest.

Second, buy a mobile phone in stages in a physical store. College students must pay by installments: ID card, student ID card and bank card. The working class must pay by installments: ID card, bank card (social security card, driver's license is also acceptable). Credit card conditions: you need a credit card, and the overdraft limit of the credit card is greater than the price of the mobile phone, and then buy the mobile phone in a store that supports credit cards.

Is it cost-effective to buy a mobile phone in installments?

Theoretically, it is not cost-effective to charge extra for installment payment. In fact, installment payment is a new trend of thought in early consumption. If you want to experience something you can't buy first, you always have to pay the price. It should be noted that many people know that you can buy a mobile phone by installment, but few people really understand the interest algorithm and average level of installment. Some operators take advantage of the insufficient interest rate of consumer loans to deceive consumers and gain more benefits.

Related suggestions:

How about credit card installment?

What's the procedure for buying a car by stages?

4. How many ways are there to buy a mobile phone by stages?

In addition to Gitzo, loan platforms such as Flower Garden, Staging Music and Fun Staging can all buy mobile phones in stages. In fact, when users buy mobile phones offline, businesses will cooperate with some installment lending institutions. If the user chooses to pay by installment, he needs to sign a loan contract with the staff in the store in order to buy the mobile phone in installments in the physical store.

In addition, if the credit card amount is sufficient, you can also choose to buy the mobile phone by credit card in installments, so you don't need to apply for a loan.