If I can t get an online loan, can I still go to the mobile phone store to pay in installments to bu

Hello, there are many platforms that can provide small loans, and the amount is basically between 5 million and 300,000 yuan, which can be applied for through banks, online loans, etc. Although the amount of small loans is lower than other loans, they are very popular because they are fast and flexible in borrowing and repayment. As long as you choose a regular platform, the security of funds and information is guaranteed, and you can use it with confidence.

It is recommended to use the money to spend, the money to spend is the credit brand of Du Xiaoman Finance, which provides users with safe, convenient, unsecured and unsecured credit services, and borrows money on the Du Xiaoman Financial APP (click on the official measurement).

With money to spend on consumer loans, the daily interest rate is as low as low, and it has the characteristics of simple application, low interest rate and fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

Share with you the application requirements for consumer products with money: it is mainly divided into two parts: age requirements and information requirements.

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card.

Note: Only debit cards are supported, and the application card is also your debit card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

This answer is provided by Youqianhua, due to objective reasons such as the timeliness of the content, if the content is inconsistent with the actual interest calculation method of the Qianhua product, it shall be displayed on the page of Du Xiaoman Financial APP-Youqianhua Loan. Hope this helps.

No, you first have to have the loan amount of the online loan software, and you can only buy this mobile phone in installments when you reach the mobile phone**, of course, if the mobile phone store supports cash payment installments, then you can try it.

It's not suitable, it costs about 1,600 yuan more! It's really inappropriate, and it's not good!

There are three consequences of not repaying a mobile phone in installments:

1. Poor credit history, resulting in low credit evaluation, will become a credit stain, bad credit will be uploaded to the personal credit system of the People's Bank of China, there will be stains on various systems across the country, and it will be impossible to apply for credit cards or loans in the future;

2. The bank will sue for repayment, and if it does not repay, the court will force the repayment.

3. If you use a credit card to pay in installments, there will be late fees, so you need to repay more and more money. If you still owe money, you will be notified to your family and friends, and then you will be called to the police and sued.

It is recommended that no matter what method you use to buy a mobile phone in installments, you must remember to repay the loan on time. The cost of not repaying is very large, and if necessary, you can tell your parents and friends not to carry it, so you should spend rationally in the future. They have many ways to get you to pay it back, including:

Door-to-door dunning, **harassment, verbal attacks, etc., any method that is not illegal but can torture you can be used. So don't owe money for small loans unless you have to.

If you don't repay the loan, it will definitely cause a low credit rating, firstly, the bank will sue you and force you to repay, secondly, you can't take out a loan to buy a house, buy a car and all advanced consumption within 7 years, and you can't use a credit card anymore, it is not recommended that you do this, now it is the credit market, and you can't do anything without credit.

The main consequences of overdue repayment of mobile phone installments are:

1. It will be collected by the lender;

2. Need to pay interest on overdue repayment to the lender;

3. The lender may file a lawsuit with the court or apply to an arbitration institution for arbitration, requesting the borrower to bear the responsibility of repaying principal and interest. Legal basis: Article 675 of the Civil Code The borrower shall return the loan within the agreed time limit.

Where there is no agreement on the term of the loan or the agreement is not clear, and it is still uncertain in accordance with the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may demand the borrower to return it within a reasonable period of time. Article 676: Where a borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or the relevant provisions of the State. Article 2 of the Arbitration Law of the People's Republic of China Contract disputes and other disputes over property rights and interests between citizens, legal persons and other organizations that are equal subjects may be arbitrated.

Article 123 of the Civil Procedure Law of the People's Republic of China: A complaint shall be submitted to the people's court for a lawsuit, and copies shall be submitted in accordance with the number of defendants.

Extended Information:1Installment payments were developed after the Second World War.

In the beginning, it was limited to the purchase of general daily goods or services. Later, with the rapid development of productive forces, the scale of industrial and agricultural production is expanding day by day, the required expenses are increasing, coupled with the development of bank credit, the field of installment payment has expanded to the purchase of large-scale machinery and equipment and raw materials by enterprises.

2.With the improvement of China's financial services and the change of people's consumption habits, the installment consumption that is popular abroad has been introduced into China and quickly recognized by domestic consumers. Spending in installments is usually young people who have poor current payment ability but have spending needs.

The products it consumes are usually laptops, mobile phones, digital products, etc.

3.Installment payments are usually offered by a bank and an installment payment provider**. The bank provides consumers with personal consumption loans equivalent to the amount of goods purchased, and the consumers use the loans to pay the goods to the merchants, and at the same time, the merchants provide guarantees for the consumers and bear irrevocable debts.

Young people who spend money using installment payments are often referred to as "installment people".

Summary. Hello dear, happy to answer your questions Can be installment "The phone can be bought in installments.

Can I still pay in installments when I buy a mobile phone?

Hello dear, happy to answer your questions Can be installment "The phone can be bought in installments.

The requirements for buying a mobile phone in installments are relatively simple, as long as the customer is at least 18 years old, and can easily handle it with his or her bank card, ID card, household registration book or work unit**. Nowadays, there are many channels to buy mobile phones in installments, and customers can choose to buy them on regular platforms according to their preferences.

If the user has a credit card, Huabei, Baitiao, etc., then there is no need to apply for a loan in the physical store, and the user can directly handle the installment payment business.

Physical stores support the purchase of mobile phones in installments, and users can use credit cards to pay in installments, or use loan products such as Huabei and Baitiao to pay in installments. However, it should be noted that there must be enough available credit before the installment payment, and when the available amount is less than the payment limit, then the installment payment will fail. As for the user's successful installment payment, a certain amount of principal and installment handling fee need to be paid every month, and if the user does not repay in full, it will be regarded as overdue.

If you owe an online loan, not the same online loan company can handle the installment, if you owe Alipay, then you can't handle the installment, because Alipay will be automatically deducted if the balance is there, so you can't handle the mobile phone installment.

After the credit card or credit payment tools such as Huabei and Jingdong Baitiao are overdue, if there is still an available limit in the account, you can still apply for installment payment to buy a mobile phone, and after the system approval is passed, you can successfully apply for the installment. Of course, if the system detects that there is an overdue record on the customer's credit report, it is likely to reject the customer's installment application, resulting in the inability to pay for the mobile phone in installments.

In addition, after the overdue situation, if the circumstances are serious, the credit card or Huabei and Jingdong Baitiao limits are likely to be directly frozen, resulting in no longer being available. Customers can only pay off the arrears as soon as possible, and then take good care of their credit, and wait for their personal credit to improve and the quota can be restored before they can be used again.

Users can generally go to Eagle Heart Quick Check to check their own big data comprehensive credit score first, and the higher the score, the greater the probability of success.

However, customers can also go directly to the physical store to apply for buying a mobile phone in installments, and if they go to the physical store to buy a mobile phone in installments, provide their mobile phone number, ID number and debit card account, and sign the next installment contract, which will not be affected by credit cards or Huabei and Jingdong Baitiao.

In fact, this is equivalent to an installment loan, and the mobile phone store will directly ask the lending company to collect the payment, and then the lending company will find the customer to collect the payment. After the customer buys the mobile phone, the repayment amount is usually deducted from the mobile phone bill on a monthly basis.

Summary. Hello dear! We'll be happy to answer for you. <>

There are many forms of installment payment for buying a mobile phone, such as buying a mobile phone in installments with a credit card, or buying a mobile phone in installments with Huabei and Jingdong Baitiao, the former is not an online loan, and the latter two are online loans. Regardless of whether it is an online loan or not, as long as you use the products of banks or licensed financial institutions to buy a mobile phone in installments, it will be displayed on the credit report, and the bill must be repaid on time after the mobile phone is successfully purchased, otherwise the overdue repayment will be reported to the credit information system, affecting personal credit history.

Does buying a mobile phone in installments count as an online loan?

Hello dear! We're glad to answer your questions. <>

There are many forms of installment payment for buying a mobile phone, such as buying a mobile phone in installments with a credit card, or buying a mobile phone in installments with Huabei and Jingdong Baitiao, the former is not an online loan, and the latter two are online loans. Regardless of whether it is an online loan or not, as long as you use the products of banks or licensed financial institutions to buy a mobile phone in installments, it will be displayed on the credit report, and the bill must be repaid on time after the purchase of a mobile phone in stockings, otherwise the overdue repayment will be reported to the credit information system, affecting personal credit history.

Is a loan to buy a mobile phone also a bank loan?

There are two forms of online shopping installment payment mobile phones, one is to use consumer loans to pay in installments, and the other is to use credit cards to pay in installments, and only the first one is considered a consumer loan. No matter what form of online shopping is to buy a mobile phone in installments, it can only be completed if the available amount is not less than the consumption limit, because it is a one-time deduction of the full amount and then repaid in installments. For example, if there is no arrears before, you can repay the loan first and then wait for the amount to be restored, and then go to online shopping to buy a mobile phone in installments.

Is a mobile phone loan a bank loan?

The loan to buy a mobile phone is not a bank loan, it is a consumer loan, and it is also on the credit report Oh dear I am a mobile phone loan in a mobile phone store.

The mobile phone of the mobile phone store loan is not a bank loan, it is a consumer loan, oh pro, the mobile phone loan is also very high.

The interest rate on the mobile phone bought by the mobile phone store loan is also very high

Legal Analysis: Yes. You can register, improve the personal information and directly select the required amount for review, the auditors will be reviewed within 1 to 3 working days, after the audit is successful, the installment of the goods will be directly drafted and mailed to your address, the installment of cash will be released on the same day or the next day, and the money will be released to the reserved Alipay or bank card, pay attention to checking.

Legal basis: Article 680 of the Civil Code of the People's Republic of China prohibits usurious lending, and the interest rate on borrowing and respecting the ants shall not be buried in violation of the relevant provisions of the state.

If there is no agreement on the payment of interest in the loan contract, it shall be deemed to have no interest.

If the loan contract is not clear about the payment of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined in accordance with factors such as the local area or the parties' transaction methods, trading habits, and market interest rates; Where natural persons borrow money between themselves, it is deemed that there is no interest.

Legal analysis: If the installment payment for the purchase of a mobile phone is overdue, it should be a civil dispute under normal circumstances, and the debtor does not bear criminal responsibility, nor is it an administrative violation, if the arrears dispute has not been judged by the court and has been enforced, the debtor will not be detained or arrested. However, if the mobile phone is obtained by way and the payment is not made, the crime is suspected, and the public security organ can summon or arrest the criminal suspect (i.e., the debtor) at any time after the public security organ files a criminal case.

Legal basis: Jensen.

Article 80 of the Criminal Procedure Law of the People's Republic of China: Public security organs may detain current offenders or major suspects in any of the following circumstances:

1) Those who are preparing to commit a crime, committing a crime of being a wilderness, or being discovered immediately after committing a crime;

2) The victim or a person who witnessed it at the scene identified him as having committed the crime;

3) Evidence of a crime is found in the vicinity or residence;

4) Attempting suicide, escaping, or being at large after committing a crime;

5) There is a possibility of destroying or fabricating evidence or colluding confessions;

6) Not telling their real name or address, and their identity is unclear;

7) There is a major suspicion of committing a crime on the go, committing a crime multiple times, or committing a crime in a group.