What problems do you need to pay attention to when buying a mobile phone in installments?

Personally, I think there are two things to pay attention to:

First, your purchasing power can afford to pay attention to the ** of your mobile phone and the amount of money you can dispose of each month, and you must not pay more than the money you can use freely, otherwise you can only go hungry or default;

The second is to pay attention to the comparison between the number of installments and the use time of the mobile phone, do not pay the installment payment has not been completed, and the mobile phone has become obsolete or obsolete;

The third is to pay attention to the installment payment has a handling fee, but there will also be a fixed number of interest-free and fee-free fees, when buying, you should calculate the difference between the total amount of installments and direct purchase, and make sure that the difference is not much or you can accept it again.

Hello: It is okay to buy a mobile phone in installments, but you have to pay attention to a few problems.

1. How much is your mobile phone, don't make a mistake with the bank when you install, and you will regret it when the time comes.

2. There are 12 installments and 24 installments, if the mobile phone is not very expensive, it is recommended to divide it into 12 installments, one or two hundred yuan per installment, and the repayment pressure is not great.

3. How much is the handling fee for installment, you must ask clearly when applying for installment.

4. Some bank installments can also be applied for without occupying the quota, that is, one month is deducted from your account every month, not all the amount is deducted together, so your quota will be more.

Things to pay attention to when buying a mobile phone in installments.

1. Installment rate.

Currently, "staging"The threshold is getting lower and lower, and even only an ID card is required. However, it should be noted that the installment purchase often charges a service fee, which is the "interest" as the saying goes, and each installment of repayment will add a service fee to the current amount. Therefore, you need to combine your financial ability to determine whether the installment rate is within the range of your own subscription.

In particular, the installment service in some stores seems to be very affordable, but it may imply an expensive handling fee, so you must read the terms carefully.

2. Early repayment.

Some installment purchases can be repaid in advance without a certain service fee. However, some do not support early repayment, and you will also be charged a service fee for early repayment, which must be asked.

3. By credit card.

4. Jingdong Baitiao, Ant Huabei.

Compared to the "installment" of the physical store"service, the "installment" of these two companies often engage in some activities, such as a 5% discount on the interest of repayment, or even 12 interest-free periods, etc., you can consider more online installment purchases.

Mobile phone installments need to meet the conditions of installment payment. Installments must be made at least 18 years of age. Under the age of 18, due to lack of repayment ability and full civil capacity, they cannot apply for installment payment.

Installment payment requires conditions:1. Be between the ages of 18 and 56.

2.Have a stable salary or a stable job. 3.

Have full capacity for civil conduct. 4.Have the ability to repay, have good personal credit, and have no bad records.

Extended information: Installment payment is mostly used for some products with long production cycles and high costs. Such as the export of complete sets of equipment, large vehicles, heavy machinery and equipment, etc.

The method of installment payment is that after the import and export contract is signed, the importer pays a small amount of the payment to the exporter as a deposit, and the rest of the payment is paid in installments after the product is partially or fully produced and shipped, or when the goods are installed, commissioned, invested and the warranty period expires.

Installment payments are usually offered by a combination of banks and installment providers**. Banks provide consumers with personal consumption loans equal to the amount of goods purchased. The consumer uses the loan to pay the goods to the merchant, and the merchant provides a guarantee for the consumer and bears irrevocable joint and several liability for the debt.

Young people who use installments are often referred to as "installment families".

The method of installment payment is that after the import and export contract is signed, the importer pays a small amount of the payment to the exporter as a deposit, and the rest of the payment is paid in installments after the product is partially or fully produced and shipped, or when the goods are installed, commissioned, invested and the warranty period expires.

The buyer and the seller sign a contract at the time of the transaction, and the buyer pays the seller in installments for the goods and services purchased within a certain period of time. The date and amount of each payment are specified in the contract in advance.

There are also many forms of installment payment: the buyer pays in installments, generally by paying the down payment first, and then paying the second money after receiving the delivery notice from the real estate developer; In three instalments, the third instalment is paid within a certain period of time after moving in. In this way, the total payment paid by the buyer is usually more than the one-time payment, but at the same time, it can reduce the possible losses of the off-plan property, such as "unfinished houses", house prices** exceeding the down payment, changes in the buyer's own economic situation, etc.

Loan installments usually take several years to pay off. The key here is when the installments other than the down payment will start, in other words, when the lending bank will lend the home buyer to the real estate agent. This time can be started as soon as the loan procedures are completed, or it can be started after the delivery of the house, which is more beneficial to the buyer.

Of course, how to pay is not wishful thinking on the part of buyers. If the real estate developer itself does not have the strength, it will have to rely on the buyer's money to build the house. Usually, they will not agree to delay the second payment until the delivery time.

In this case, the buyer can only decide for himself whether or not to buy the house of the real estate developer, in addition to fighting for it.

The conditions required to buy a mobile phone in installments are as follows: the applicant is between the ages of 18 and 65. The applicant has a stable job and income and can afford to repay the loan.

The applicant has an identity card.

Valid identity documents such as household registration booklet, and have full civil capacity.

natural person. Applicant's personal credit report.

Good, no bad records, no bad habits such as pornography, gambling, drugs, etc.

It is divided into hard conditions and soft conditions.

1. Hard conditions.

Buying a mobile phone in installments online is generally an overdraft in advance, and there must be a consumer credit product that can be used in installments.

Commonly used credit cards, as well as Jingdong Baitiao, Huabei, etc.

No matter what product you use, there are two things that must be met, one is that the amount cannot be lower than that of the mobile phone**; One is that the status must be normal, and it cannot be frozen, stopped, or controlled.

And there are differences in the consumption places of different consumer products, like Jingdong Baitiao Online can usually only be purchased on Jingdong**, like Huabei Online is generally paid on **, whether it is Jingdong** or**Generally, as long as the credit card collection is opened, it can be supported.

2. Soft conditions.

In fact, it is to look at the staging method, and there are usually two ways.

One is to pay installments directly when buying a mobile phone online, and the other is to pay for it after the bill comes out after buying a mobile phone online.

If you choose direct installment, you will have to start repaying the latest bill; If the bill comes out and then installment, the next bill will come out before the repayment begins.

Note that when using consumer credit products to buy mobile phones in installments, the system will evaluate the environment of both parties to the transaction when making payment, in order to ensure the authenticity of the current transaction, if the system assesses that there is a false transaction, the transaction will be terminated, and the borrower needs to make a new payment.

Now is the era of credit, once there is a stain on credit, many things will be difficult to move forward. As the source of big data, once the big data is chaotic, it will be included in the credit high risk, which will affect credit reporting and life restrictions. People who don't understand credit investigation and big data can view their credit data in the "Beijian Quick Check" in order to understand their credit data, loan records and risk status.

It is recommended that you pay attention to protecting your big data credit records.

Extended Information: What do I need to buy an iPhone in installments?

If the user has opened the loan software, has not obtained the loan amount, and has not submitted a loan application, then the personal credit investigation will not be affected.

However, account registration is required to open loan software, and the user registers for a regular online loan, so the security of personal information can be guaranteed.

If the user registers for an informal online loan, there is a risk that personal information will be leaked.

If the user does not have a borrowing need, it is not recommended to open the loan software, and it is not too late to open the loan software when there is a borrowing need.

The following conditions are required to buy a mobile phone in installments:

1. Applicants are required to be between the ages of 18 and 65.

2. The applicant has a stable job and income, and has the ability to repay the loan.

3. The applicant is a natural person with valid identity documents such as ID card and household registration book, and has full civil capacity.

4. The applicant has good credit information, no bad records, no bad habits such as pornography, gambling and drugs.

About Installment Le:

Installment is the first to create an Internet small and micro consumer finance business model.

At the front end of consumption, Installment has improved the user shopping experience through cooperation with JD.com.

At the back-end of creditor's rights processing, Installment Le launched Orange Wealth Management in June 2014, and exclusively launched all creditor's rights in installment, forming a closed-loop ecology of "self-production and self-sale".

Installment has received investment from a number of top domestic and foreign investment institutions and well-known enterprises, including JD.com, DST, Xianfeng Huaxing, Jingwei China and Bertelsmann Asia Investment**.

Its installment music is suspected of illegally issuing "campus loans", and some college students once showed Dai Xianchao, a financial technology intelligence, that after they borrowed money, the account for repayment was Shenzhen Installment Network Technology ****.

In other words, as a third party, Installment Joy clearly violates the provisions of Circular 141 that third-party partners are not allowed to charge interest fees to borrowers.

On July 5, 2019, a reporter from the "China Times" inquired about the complaint platform and found that as of 10 o'clock on July 3, there were 1,846 complaints from users about installment music, and overall, "** harassment" and "violent collection" accounted for the largest proportion.

ID and bank statements are required.

1.If you want a loan, then it must depend on your bank statement in the last six months, and it is easy to get a loan if there is a bank statement.

2.The loan must be yours yourself, so ID is essential ha3If you can't get a loan, you can consider buying a mobile phone in installments, under normal circumstances, the installment is much simpler, and the review is not strict, but the cost is relatively high, you have to consider this clearly, if there is no economy, or no work, it is still not recommended that you take out a loan or buy a mobile phone in installments, if it is overdue, the consequences are very serious.

Buying a mobile phone can be paid in installments.

1. First of all, before deciding to buy a mobile phone in installments in a physical store, consult the salesperson in the store, such as the interest of installments and the down payment of installments, which are the first things you need to understand.

2. Then, you need the company's ** address and residential address, which must be detailed and true and accurate, because the bank will verify them one by one.

3. You need to fill in the name and address of your parents, relatives (uncles and aunts), boyfriend or husband, as well as contact**, and the contact information of a colleague must also be filled in.

4. When you go to handle it, you need to bring your original ID card and the bank card for your ID card, which will be handled by a special person.

5. There must be at least one penny in the bank card provided, because when handling it, there will be a process of swiping the card, and a document will be swiped, and that document needs your signature.

6. There will be someone who takes a ** and uploads it to the database, in this database, all the information will exist, and there will be someone to verify whether the information provided is true, if it is true, it will be easy to pass.

7. After passing, you need to sign many documents, which may be the most signed by your name in your life, and I personally feel that this information is safe and there is no need to worry too much.

8. Finally, after paying the down payment, you can get the mobile phone, the receipts must be kept, there will be an account with installment payment, remember the payment date of each month, overdue will produce overdue fees, you can pay in advance, so the interest will be less.

1.The procedures and requirements for buying a mobile phone in installments are quite simple, as long as you are at least 18 years old, bring your ID card, bank card and work (school)** or household registration booklet, you can easily handle it. At the same time, a certain down payment is required, which can be divided into 6 installments, 12 installments, 15 installments, 18 installments, 24 installments, and so on.

2.The loose conditions are often corresponded to high fees, and the interest charged for buying a mobile phone in installments is calculated on a daily basis, and the daily interest rate is usually one thousandth. In addition, in addition to the high interest, some mobile phone dealers will also charge a certain handling fee, if consumers want to repay in advance, they also need to pay an "early repayment fee", which is about a few hundred yuan.

3. For example, calculate how much you need to charge for buying a mobile phone in installments. For example, if you buy a 5,000 yuan mobile phone, make a down payment of 20%, that is, 1,000 yuan, and then divide 4,000 yuan into 12 installments, the interest is 4,000 1,365 = 1,460 yuan, 365 days a year, and the interest is 4 yuan per day, and if you add the handling fee, it will be more. According to this calculation, the annual interest rate of buying a mobile phone in installments is more than 4 times the benchmark interest rate.

4.Although the purchase of mobile phones in installments satisfies many young people, it is convenient and convenient to handle, but according to this calculation, it is relatively uneconomical for consumers to buy mobile phones in this way. If you are short of money to buy a large number of consumer goods, you may want to consider applying for a personal consumption loan, the interest rate of the loan is much lower than the cost of instalment consumption.