What do you think of young people s behavior in installments?

Personally, I still recognize the concept of young people's installment consumption, after all, the pressure on young people is particularly great now, and in this way, you can relieve your own pressure.

Personally, I think this is a very bad habit, don't do these things if you don't have the ability to spend, and it is a very bad behavior to do installment consumption when you have the ability to spend.

Young people's installment consumption does not mean that they are saving their money for better use, but they want to get what they want earlier, and then slowly repay it in installments.

A lot of young people are spending in installments, and I think it's acceptable to spend in installments, but be careful not to overdo it so as not to exceed your financial means.

It's irrational, because today's young people don't consume according to their own ability at all, and they can't afford to pay in installments.

Credit card installment has become an important business of bank spending finance, credit card installment is easy to say that the holder after completing the spending through the credit card, through the installment payment method to repay the bank funds, similar to personal mortgage loans, often there are 3 installments, 6 installments, 12 installments, 18 installments, 24 installments and other preferences, including bill installment and spending installment, bill installment belongs to the mainstream mode preferred by current users.

Xiaocai learned from various banks that the biggest advantage of credit card installment is that it can relieve the pressure of the holder to repay the amount spent on the card at one time. On the other hand, you have to pay bank charges, and even if you repay the loan in advance, the fees paid will basically not be refunded, which objectively increases the cost of the holder.

The preferred installment users are concentrated in the age group of 22-35 years old, "mainly young people who have a strong desire to spend". The relevant person in charge of each bank told Xiaocai that their spending is mainly in supermarkets and department stores, home appliances, car purchases, decoration and other fields. Although the user is responsible for a certain handling fee, this installment method reduces the short-term repayment pressure of the holder a lot, and will not cause credit damage due to overdue, they are willing to pay some more costs, and the bank gives the handling fee is affordable, which strengthens their confidence in choosing this spending method.

Mr. Y, a customer officer of Xiaocai, said that he often receives text messages from the bank recently: the handling fee rate for bill installment is 20% off; If the single amount of cash installment is more than 5,000 yuan (inclusive) and the number of installments is more than 6 (inclusive), you can enjoy a 7% discount on the benchmark rate of handling fees.

Some banks also said that they can enjoy a discount on the lowest handling fee rate for bill installment through channels such as mobile banking, online banking, SMS, and WeChat; Cash installment through mobile banking, online banking, outlets, and customer service centers can enjoy a discount on the lowest handling fee base rate.

How about credit card installments are most useful.

1. Installment after the bill date:

After the bill date, you can not only have the longest interest-free period, but also extend your repayment date after the bill is issued, and the installment repayment date is the best.

2. Find a good time in stages:

Generally speaking, the success rate of increasing the quota is the highest in the installment applied for after the holiday. You can concentrate your credit card spending in a period of time, swipe your card amount to more than 70%, and then repay the loan in installments, and apply to the bank to increase the limit, the success rate is the highest at this time.

3. Bill installment vs cash installment.

We all know that installments are good for increasing your limit, but there will always be people who confuse bill installments with cash installments. The so-called bill installment is the preferred installment operation when the bank issues you a bill after you spend it, while the cash installment is a cash loan issued to you by the bank separately for cash withdrawal. Comparatively, bill instalments are more conducive to increasing the limit than cash instalments.

In recent years, people's economic level has improved, and the material requirements are getting higher and higher, many people encounter their favorite digital appliances or luxury goods, and they can't hold back the desire to chop their hands, so they will choose to consume installments to meet their shopping psychology, and consumption installments have gradually developed and expanded, so is it good or not? Today we will give you a brief introduction.

1. Who is suitable for consumption installment?

People who have loan needs, the main use of funds is shopping, blind payment, consumption, etc., often a relatively large amount of expenditure, you can use a one-time payment in installments, and then repay every month, which can reduce the pressure of repayment, suitable for office workers with stable income but insufficient funds, the essence of many products is similar to credit card installment, but the general interest rate is better than credit card installment.

2. Consumption is the interest of the installment of the rent

The interest rate of different installment products is different, the general actual annualized interest rate is about 8%-18%, a few are close to 6%, and most of them are about 15%.

3. Loan amount

The amount is related to the borrower's qualification, credit, and consumption amount, and the lending institution will determine the amount according to the flow, social security, provident fund, etc., generally about 50,000-300,000, and some to 500,000.

Fourth, the advantages and disadvantages of consumption installment

Advantages: From the perspective of the product itself, consumer installment is just a supplementary way to the loan, and it does not have a particularly big advantage, but many of these products are similar to credit card installment, and the advantage is that the credit information is more friendly, and it is generally not affected to borrow other loans.

Disadvantages: Generally, interest is calculated immediately after the loan is disbursed, the principal and interest are repaid monthly, and the loan cannot be repaid in advance, or the early repayment of the loan requires liquidated damages.

With the continuous emancipation of young people's minds, installment consumption has become a trend. Many things that young people can't afford have become necessities in their lives. This kind of installment consumption behavior is a huge motivation for young people, but if it is not well controlled, it will also become a bottomless abyss.

Installment consumption can give young people motivation and make them more willing to fight for their careers. I have a friend who has always wanted to buy a car, but the income is not very high, and the money has never been enough.

Later, in the publicity of the 4S store, he found that it could be interest-free installments for two years, and he only needed to pay 1 3 money to pick up the car, and he was particularly excited. Since I heard the news, I have been very active at work, and I always try to find various ways to make money after work, hoping to save enough money for a down payment sooner.

This year, his car has been proposed, because there is no interest, and he pays more than 2,000 yuan a month, which is also within the acceptable range.

Uncontrollable installment consumption will become a bottomless abyss in the lives of young people. There are not many people like my friend who can turn installment into a motivation for life, but there are also many people who fall because of installment consumption.

With the continuous development of various payment software, there are more and more software that can be consumed in advance and in installments. Many young people have a salary of 5,000 yuan a month, spend 5,000 yuan to buy a pair of clothes without blinking, and always feel that they can pay it back in a year, and a few hundred yuan a month is acceptable.

But it is still a few hundred to buy clothes, a few hundred to buy a mobile phone, a few hundred to travel, and a month's salary has not yet arrived, and it has been spent in advance. But life has to go on, so you can only continue to consume in advance, and when you can't pay it yet, you can only use other means to get by.

This leads to the hole getting bigger and bigger, life is getting more and more tight, if you still can't control yourself, then this is really a black hole, and you may not be able to turn over for many years.

The behavior of consumption in installments cannot be said to be good or bad, but can only be said to see if you can control your desires.

Only those who can control their desires can turn installment consumption into a good thing in life.

However, I still don't agree with this way of consumption, before and after I pay off my previous installment consumption, I will not use any software to achieve installment consumption, I still recommend that you have how much money you have, how much to do.

Nowadays, no matter what you do, there will be installment payments, and installment consumption can reduce stress for some people, but it should be used reasonably.

Young people are not financially well-off, so paying in installments can reduce the pressure and spend their limited money on a variety of products, and try not to overspend.

Now the major ** implementation of installments, young people due to insufficient funds, installments just solve their problems. However, this kind of behavior of spending first and then repaying money is still not good, and it is recommended that young people should not go into debt.

It's okay to have the ability to repay, but if it's just for showing off, just to make others look rich, then it's not necessary.

If you buy daily necessities and don't have much money in your hand for the time being, you can pay in installments and make money later. If you want to buy luxury goods that have a large income gap with you to wrap yourself and can't afford to pay them back, then you shouldn't buy them.

Of course, when I bought a mobile phone, I didn't have enough money and didn't dare to ask my parents for it, so I paid for a new phone in installments, but this feeling is not good, because I have to save money to pay the bills. This also happens when you buy some cosmetics.

For work, I bought an electric car in installments. It's super cool to drive to work every day, but I don't really enjoy having to pay back every month.

When I got married, I bought a house by installments, and it was also my only experience of installment consumption.