Recently, I received a message from a friend that she wanted to change her mobile phone, because her ID card was under 18 and she couldn't get a credit card. Later, she wanted to pay the interest of 1000 yuan by offline installment. In fact, the mobile phone she wants to buy is only 2000 yuan.

Buying electronic products, a commodity with extremely high depreciation rate, and knowing how to use staging is an act of "financial thinking" in itself. Because taking mobile phones as an example, the depreciation rate is basically around 40%. If you spend 2000 yuan to buy a mobile phone this year, the value next year will only be 1200 yuan. If installment is used, it is a very cost-effective thing to maximize the "time value" of funds.

But, but ...

Not all installments are cost-effective, and not all loans are good.

If the little friend in the news really used this offline loan, it would really be a big loss.

Interest is more than half of the principal, and the real interest rate can be as high as 50%, which is similar to usury. And this friend, less than 18 years old, has already worked, but his salary level is estimated to be average and his risk tolerance is low. When buying big items, be rational and see if it is really a "rigid demand". "Lack of a mobile phone for communication" and "Seeing that someone else's mobile phone is working well and itching to change it" are completely different.

The latter should be stopped and urged to form good consumption habits; The former consumption is necessary. If you can buy by stages, it will not only reduce the economic pressure, but also cultivate young people's goal-oriented "getting rich thinking."

Which channels are more reliable for installment shopping?

First, JD.COM borrowed money and used 12 interest-free coupons. Compared with flowers and credit cards, the rate of white bars is more cost-effective If you use interest-free coupons, it will really be a "real" discount, and the coupons will be robbed, which is quite pit.

Second, major credit card shopping malls buy in installments at low interest rates. Generally speaking, the analysis rate of credit cards is above 10%, but if it is a low-interest activity, some of them are still very cost-effective. You can refer to the IRR formula and do some calculations yourself.

Offline staging, don't try it easily, it's easy to fall into the pit.

(Article from Ka Niu User @ Zhu Ting)

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