Second, 18 years old, you are a minor. Legally, you are considered as a "person with limited capacity", that is, a person who cannot be responsible for his own actions. Your legal behavior requires the consent of your guardian, that is, your parents. Buying a mobile phone or buying a mobile phone in installments is a contractual act. The act of a person with limited capacity agreeing to sign a contract is temporary, and the contract is invalid if the parents do not agree. So legally speaking, parents don't agree, and contracts signed by people under 18 are invalid, and businesses will bear great risks when signing contracts with them.
3, 1. But if you are under 18 years old, if you have entered the social work, you can go to the bank with your work certificate [work certificate, post certificate, labor contract, internship certificate, employee number plate, and even canteen meal card (on the premise of proving yourself, of course).
2. 16- 18 China citizens are regarded as "incomplete civil capacity". "Incomplete" means it depends on the situation.
3. If you are still a student, unable to work, and still under the guardianship of guardians (mostly parents and immediate family members), it is regarded as "no". You need to bring your guardian's ID card and documents to prove your relationship with your guardian (mostly pointing out your birth certificate, household registration book, etc. ) Open a personal account in a bank, and so does online banking.
4. Loan installment is generally repaid 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 payment to the seller, company and enterprise. In addition, 16 years old can apply for a stored-value card, which is a necessary condition for online shopping.