Is it appropriate to buy a mobile phone by stages?

1. Is it appropriate to buy a mobile phone by stages?

Hello, at present, the loans on the market can basically be paid in installments to ease the financial pressure, ranging from 3 months to 3 years. Choosing installment payment should not only choose a long term and low pressure, but more importantly, choose a regular big brand, the loan platform is guaranteed, and the funds and personal information are safe.

This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual interest rate calculation method of Youhuahua loan products, the display on Xiaoman Financial APP- Youhuahua Loan website shall prevail. I hope this answer is helpful to you.

Second, is it appropriate to buy a mobile phone by stages?

Hey, if you're watching, remember to listen to you.

My first job when I came out of college was to do mobile phone staging. In the second half of 20 16, at that time, Apple's mobile phone was really expensive, and many college students could not afford it, so they chose mobile phone staging. At this time, our industry has done mobile phone staging. The first is to locate WeChat customers, whether there is demand, return it in the first three months, and then you can clear it at one time. (Note: there is interest for early settlement) So it is the same whether it is settled in advance or not. In addition, when you come in stages, there will be a special salesperson to prepare the plan for you and operate it for you. The total amount of an apple 6P that can be divided into stages before is 6.5K points and 2 apps, and the interest will reach 8-9K. Interest is also high, and the water is particularly deep. The most important thing is that this mobile phone is only officially changed. When you buy a mobile phone by stages, you said to give 100 yuan to toughen the film. In fact, this tempered film is a 2 yuan. Don't blindly believe that others will come to you in stages. No matter how good bragging is, you have to make money. Many invisible consumption even many experienced people can't see through it.

It is recommended to pay in full if you have the ability. If money is tight, I suggest you go to a treasure, and then see if there are any flowers in installments when placing an order. This kind of installment can clearly see how much the monthly interest is, and there are many installments to choose from. It is recommended to focus on your own tolerance.

May there be fewer routines and more sincerity.

3. Is it appropriate to buy a mobile phone by stages?

Different people will have different ideas. One kind of people is, alas, this mobile phone is really good, or new. He has been thinking about this mobile phone for many days. The original mobile phone doesn't work well, but he wants to change it because he doesn't have enough money. If he takes out thousands of dollars at once, the burden of life this month is a bit heavy. However, mobile phones can be phased, and the pressure to pay back money every month is not so great. You can try. Another person is that mobile phones change too fast. If I buy this mobile phone by stages now, there will be a new or even flagship mobile phone in a month or two, and there will be a handling fee of tens of dollars per month for buying the mobile phone by stages. The total price can buy a good mobile phone. I'd better praise the money and wait! If this mobile phone is a model and has its own characteristics, you can't buy it if you don't buy it now. You can buy it in installments. If nothing else, I just want to buy a mobile phone by stages. Personally, I don't think it is appropriate.

Fourth, is it better to buy a mobile phone in stages or in full?

Of course, it is good to buy a mobile phone in full. Because installment payment has the following two disadvantages:

First, installment payment will make you overestimate your spending power.

This is the main problem. Many people obviously think that more than 5,000 mobile phones are expensive, but it doesn't look so expensive as long as it is divided into 24 phases. Generally speaking, the goods that need to be paid in installments are nothing more than houses and cars. Generally, the housing loan is 20-30 years, and the car loan is 3-5 years. These two things are likely to continue to be used after you repay the loan.

But cell phones are different. If the mobile phone breaks down halfway, this thing will become your pure debt. In short, when you think that something is too expensive and there is no installment, it means that the satisfaction it can bring you at this time is not high, and you don't deserve this thing. The advertising words on TV "Dad smokes less and Mom uses less cosmetics" are all nonsense. In fact, if you can quit smoking, you won't smoke even if you don't buy anything.

Second, it is impossible to save money.

If you can't save money, you won't be able to resist risks and have no chance to turn over.

Too many people are told that "money is not saved, but will be spent to make money." You can think about whose money you want to spend most, one is the seller and the other is your boss. The more money you spend, the less you dare to quit your job. In fact, for most ordinary people, wages will only increase at a steady rate in the next few years.

Save money. You don't buy things you don't need at all, you don't touch luxury goods, you don't invest money in stocks casually, you save Yu 'ebao. At most, buy buy index funds will vote.

Summary:

If it is really because of the lack of liquidity in hand, there is no way to choose to buy by installments. Some mobile phone companies charge a handling fee in addition to generating interest.

Although buying mobile phones by stages can alleviate the recent economic pressure, it will cost more in the long run. Although it will be better to buy it in full, the economic pressure generated in a short time is relatively large.

Extended data

Select installment to calculate the account:

1. Although the pressure of installment payment has decreased, the actual expenditure has increased. Although it doesn't seem like much every day, if it is divided into 12 months, it is also a big expense compared with mobile phones. Moreover, many installment payments do not support prepayment, plus various service fees. From the actual amount spent, installment payments are actually not cost-effective.

2. There are many staging websites for 3C products, such as mobile phones, tablets, computers and digital products. Staging products are mainly aimed at college students. Many college students choose installment loans because of impulse shopping, and the sum of principal and interest to be repaid in the end is equivalent to nearly 1.5 times of the loan principal.

3. Industry insiders remind consumers that buying a mobile phone needs to be done according to one's ability and rational consumption; If you choose to pay by installment, you must read the contract carefully, check the repayment amount, repayment period and repayment method, and keep the original contract.

In addition, some companies actually charge installment fees, guarantee fees, service fees, etc. Under the guise of interest-free, even related expenses are higher than normal interest. Therefore, when consumers choose installment payment, they must calculate the actual repayment amount.