1, interest needs to be known.
When you buy a mobile phone by installment, it is easy to be deceived by a salesman, and it will always give you the lowest interest rate, but in fact, when you switch it, the interest rate is so high that it is often just another way of saying it.
2. Zero interest is tricky
Many merchants will attract customers to buy mobile phones with zero interest, but in fact there will be no such good thing. Interest may be exempted, but there may be various fees such as service fees and installment fees, which add up to a lot. It's best to ask all possible expenses before staging, and then reflect them in the contract.
Pay first, don't wear it.
Buying a mobile phone by stages is not a loan from a merchant, but a loan from a financial platform. Some merchants require you to pay a down payment as a down payment, regardless of whether the loan has come down or not. Don't listen at this time. If the installment audit fails, the down payment will not be refunded. Very troublesome.
4. Low-priced mobile phones
Some mobile phone merchants cooperate with loan companies, and the price of mobile phones may be lower, but they must be paid by installments by the designated loan company, so it is likely that the merchants will receive the benefit fee, and then the loan company will earn it back from you through interest. Don't think you are cheap.
Buying a mobile phone by installment can really alleviate a lot of economic pressure.
Suitable for students who are still at school or wage earners who have just come out to work. Be sure to pay attention to the above four points, know more about the loan situation before staging, and read the loan contract carefully to avoid unnecessary economic losses.
After all, a mobile phone costs several thousand yuan, and the installment payment is 12. You only need to pay a few hundred yuan a month, so you can take your mobile phone home to play first, and then pay it back slowly, which is easier than saving several thousand yuan at a time and then buying it.
However, there is also a downside to buying a mobile phone by installment online. You need to pay a handling fee, that is, interest, for each payment. After 12, plus interest, the total amount of mobile phone payment must be several hundred yuan higher than one-time payment. Also, if your mobile phone is lost or stolen during the installment, you still need to complete the payment of 12, and you can't stop the installment for these reasons.
Therefore, if you are not short of money, it is recommended to pay off the money in one lump sum, and then take your mobile phone home to save several hundred yuan in handling fees. If the funds are insufficient, buying mobile phones by stages can really alleviate the financial pressure to some extent.