Is it appropriate to buy a mobile phone to pay in installments?

In my opinion, buying mobile phone installment payment is an inappropriate concept of consumption, first of all, it is not a kind of consumption concept that resists installment, it is undeniable that installment has become a consumer fashion, this consumption method can allow consumers to enjoy the fun of using goods in advance, to meet the helplessness of some consumers in the face of commodity selection caused by insufficient funds, to some extent, this is a way to spend tomorrow's money, to fulfill today's dream, to a large extent, it is convenient for people's daily consumption, Installment payments are also a consumer trend. <>

Secondly, on the purchase of mobile phone payment and the choice of installment payment consumption method is somewhat unnecessary in my opinion, now mobile phones have become a necessity, to a large extent, as long as it is not a blind pursuit of **and** mobile phone, generally speaking, it can be paid at one time, that is to say, most installment people who buy mobile phones are not rational consumers, for the so-called ** and brand, blindly choose installment shopping, is a kind of behavior of eating food, We often see that those who blindly pursue the best mobile phone, and choose to shop in installments, after being unable to afford the installment fee, embarked on a road that is not conducive to self-development.

Finally, as far as the mobile phone itself is concerned, the mobile phone is a consumable, the mobile phone has its own consumption update time, consumers can never keep up with the trend of mobile phone upgrading, the price reduction of mobile phones is huge, and the unprovoked installment is a kind of deficit and loss, which not only increases their burden, but also makes it difficult to use the satisfaction to keep up with the development trend of mobile phones.

I think it's very suitable, after all, many people are like this now, which is also a trend, similar to the Western concept of consumption, they always like to spend first and then settle the payment, which is good to some extent, you can consume in advance, enjoy in advance.

Just like I have a classmate who likes apples very much before, she has been saying that she wants to save money to buy apples, but she can't save money, because the money can't help but spend it around her, she is very irritable, this thing has not been bought for a year, and then there is a college student's kind of installment payment advertisement, she went to the physical store to buy, linked her bank card, real-name authentication, the other party also assessed the financial ability, can be in the case of a few hundred down payment to get.

After that, she repaid a few hundred a month, a few hundred a month is actually nothing, you can save it, and because of this goal, she spent a lot of money less, and she still played in the last year, she was equivalent to urging herself to buy less things, and enjoyed her favorite things for a year in advance, and there was no risk during this period, except for the possibility of deducting a little handling fee, nothing else.

So I think installment payment is not only suitable for mobile phones, but also applicable to other things, but we must pay attention to moderate consumption, foreigners obviously have this advanced and very enjoyable consumption concept is always miserable, because they consume too much, every month is not just a little debt but a lot of debt, so many people's mental pressure is very large, I think we Chinese even if we learn from foreigners, do not forget that we like to save money first and then buy things, the combination of the two can make life better, And once it is extreme, it is very bad to have any extreme.

It's not a good deal in terms of the time value of money, but it's a particularly good deal in terms of your own economic situation. Loan to buy a house loan to do business, this is indeed to make full use of the time value of money, this is a sure business, but because of the small amount of money to buy a mobile phone, and the installment time is short, it is impossible for him to fully show the time value of money, so according to the perspective of finance, this is not a suitable thing.

But because of his hobbies, if he wants to buy this mobile phone due to his own needs, he can choose to pay in installments, because his interest is not high, and even many times he can get some interest-free coupons, and he only needs to repay one or two hundred or two or three hundred loans every month, which is a very easy matter, and to buy a mobile phone of more than 2,000 yuan, his interest is only more than 200 yuan in total. If the installment period is longer for two years, then his interest will reach more than 400, but you use the mobile phone you want two years in advance, what a cost-effective thing. Waiting until you save enough money to buy what you want is not easy for college students who are shy of money.

Because in my opinion, only college students will choose to buy mobile phones in installments. For any adult, they can afford to buy a mobile phone.

Therefore, buying a mobile phone in installments is a kind of consumption for college students, but also a kind of deposit, if he saves more than 100 yuan every month, they may not be able to do it, but they will be able to change more than 100 loans every month, so this is also a way of financial management, and there is nothing inappropriate.

Damn it! He must be trusted, don't go to the installment mobile phone, the consequences are absolutely unimaginable