Q: Is it good to buy things in installments?

The installment payment is good, 5800 things are divided into 12 installments, 484 yuan per period, in addition to the basic fee of 5800, there is a total of about 200-300 handling fees, which is regarded as interest, this is indispensable, different merchants.

A credit card is required for installment payment, and there are physical stores such as Suning, Gome, etc. JD.com is recommended on the Internet, but JD.com only supports credit cards of China Merchants Bank and Bank of China, and Newegg is also good, as well as credit cards of China Merchants Bank**. The specific procedure depends on which credit card you have.

The so-called "bank credit card installment" means that when consumers use bank credit cards to purchase goods at specific merchants, they can formulate a repayment plan according to their own wishes within the range of installment payment periods provided by the bank, divide the total price of the goods into several installments, and pay the bank the current payment in equal amounts every month.

Adopt installment payment to buy things", for consumers, only need to repay the total price of 12 or even 1 24 goods through credit cards every month, which virtually improves the purchasing power of consumers, reduces their financial pressure in a certain period of time, and has trend-setting new goods in advance, and the surplus money can also be used for other investments.

You said you want to buy a mobile phone, I have seen 5800 This mobile phone is not good and expensive, plus your monthly salary is not high, I suggest that you can use the installment method to buy, whether it is in 6 months, or 12 months, it depends on your income disposal.

Here is a recommendation for you, ICBC's Elion Flav online**, you can go and see, no matter how you buy something, you must plan your income, plan well to make money, and finally wish you success in shopping, love the machine as soon as possible. Hehe.

Take ICBC as an example, if you want to pay in installments, you must first make sure that the merchant does have this kind of cooperative relationship with ICBC. If you have it, you can tell the merchant to pay in installments at the time of purchase, or apply for installment payment within three days after swiping the card overdraft. By the way, there is another premise, that is, the amount of your overdraft must be greater than the amount of your phone**.

Installment payment depends on personal ability, if you have the ability, it is best not to install, for example, you buy a towel is 100 yuan, if it is an installment, you have to spend 130 yuan. This inadvertently adds another 30If you want something that is inconvenient and still needs a lot, you can consider staging.

Our legion: helping others; to our members.

Fa Xiao told me that he bought an ASUS laptop.

The total price was close to 4000, and he felt a little expensive because he paid too much money at once, so he chose installments. Because it is interest-free, the longest 24 installments were chosen.

Is it worth buying an installment item? Is staging required? Actually, it all depends on the individual.

It's like buying a computer like Fa Xiao, and you have to pay back more than 100 yuan a month. For a person with a stable income, it is not pressure at all. If there is interest, the longer the instalment, the more interest you will need.

In this convenient society, you can buy things without money, but you are spending ahead of time.

That's it. However, staging does reduce stress, which also boosts the spending power of most people.

I bought myself and my dad a mobile phone last year, both for more than 3,000 yuan. It adds up to more than 7,000 yuan at once, which is indeed a bit painful. So I decisively chose the interest-free installment payment, and the installment time chosen by the two mobile phones was different.

I'm a year and a half, and my dad's is half a year. I didn't pay it back until the phone was old, and the installment of the phone. This installment is completely stress-free for me, and it's also interest-free.

I think this kind of consumption method is pretty good, but I'm afraid that it will be even more expensive.

The kind of credit card that has to be installmented, and the interest on each installment is not low. It's really chic when you don't see the money, but once it's time to pay it back, you find out how you spent so much money, and your heart hurts but you can't do anything. In the final analysis, you still have to do what you can, although it is to spend in advance, but you must ensure that there is no interest in repayment within your ability, so as not to cause a vicious circle.

Buying something in installments has its benefits, but there are also some risks and drawbacks. According to personal consumption habits and actual conditions, decide whether to buy products in a different period.

In terms of benefits, buying in installments allows consumers to enjoy some goods or services that they may not be able to afford when buying in cash. For example, it may be more affordable to pay in installments for large items such as household appliances, vehicles, or houses of ** value. In addition, in the event of an acute and urgent need, an installment loan can quickly solve the urgent need.

However, there are also some drawbacks to buying in installments. For those who can't effectively control their spending and repayment time, installment payments can quickly become a burden. High interest rates, additional fees, and penalties can make consumers end up paying expensive fees.

When choosing to buy in installments, consumers should carefully consider their financial situation, overall spending, and possible future risks. It's important for consumers to determine the right term and interest rate, and to make sure they make their monthly payments on time. Without these measures, installment payments can lead to a heavy financial burden and ultimately affect an individual's credit.

In conclusion, buying in installments has its advantages and disadvantages. Consumers should be cautious about buying in installments and manage their finances and spending plans wisely. Only buying things in installments that are really suitable for personal circumstances is really good. <>