Applicant 18 years old or above, not a college student; The applicant has a good credit record and no bad credit record; Have a second-generation valid ID card; Have a certain ability to repay the principal and interest. With these basic conditions, users can try to apply for the installment purchase of mobile phones in physical stores.
If the user has a credit card, flowers, white notes, etc. Then they don't need to apply for a loan in a physical store, and users can directly handle the installment payment business.
Physical stores support the purchase of mobile phones in installments. Users can use credit cards to pay in installments, or they can use loan products such as flowers and white strips to pay in installments. However, it should be noted that there must be enough available quota before installment payment. When the available amount is less than the payment amount, installment payment will fail. As for the success of installment payment, users need to pay a certain amount of principal and installment fee every month. If they don't pay in full, it will be considered overdue.
Store to buy mobile phone program:
1. First of all, before you decide to go to a physical store to buy a mobile phone in installments, consult the clerk first, such as installment interest and installment down payment. These are the first things you need to know.
Then, you need your company's telephone address and residential address, which should be detailed, true and accurate, because the bank will check them one by one.
3. You need to fill in the names and addresses of parents, relatives (uncles and aunts), boyfriends or husbands, as well as contact numbers, and the contact information of a colleague must also be filled in.
4. When going to handle it, you need to bring the original ID card and the bank card handled by my ID card, and someone will handle it.
5. There must be at least one penny in the provided bank card, because there will be a process of swiping the card when handling it, and you need to sign it when swiping a document.
6. Someone will take a photo and upload it to the database. In this database, all the information will exist, and someone will verify whether the information provided is true. If it's true, it's easy to pass.
7. After it is passed, you need to sign a lot of documents, which may be the most frequently signed in your life. Personally, I feel that this information is safe, so don't worry too much.
8. After paying the down payment, you can get the mobile phone. You should keep the receipt and so on. There will be an installment account. Remember the date of monthly payment. If it is overdue, you will have an overdue fee. You can pay it back in advance and the interest will be less.