The China Construction Bank credit card should have a fixed amount to purchase Apple 6 in installments. The China Merchants Bank credit card supports 24 interest-free installments. At the same time, Apple also supports installment payments from Industrial and Commercial Bank of China and Agricultural Bank of China, but neither supports 24-period analysis nor interest-free discounts.

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The iPhone 6 is now being launched in mainland China, and consumers are showing great enthusiasm. Major banks also took the opportunity to launch corresponding credit card interest-free installment payment services to attract more credit card holders to purchase. However, industry insiders remind that interest-free installments for bank purchases do not mean free, and consumers must calculate the handling fees carefully.

According to incomplete statistics, many commercial banks, including Industrial and Commercial Bank of China, China Construction Bank, and China Merchants Bank, have opened iPhone 6 reservation channels on their respective credit card official websites and provide installment payment services. The interest-free installment payment service of Industrial and Commercial Bank of China and China Merchants Bank has also been opened in the official reservation channel of Apple Mall.

However, the so-called interest-free does not mean that it is completely free. Consumers must pay additional handling fees. Taking ICBC's handling fee standard as an example, from 3 months to 24 months, the handling fee increases from 0.53% to 6.55%. If a consumer purchases an iPhone 6 priced at 5,288 yuan and chooses 24-month installments, the monthly payment amount will be approximately 235 yuan, and an additional handling fee of 346 yuan will be paid.

Industry insiders pointed out that in order to attract more credit card customers through the launch of iPhone 6, major banks often provide relatively favorable installment rates or even 0 rates. In fact, most banks’ daily installment payment processing rates are between Each period is about 0.6%-0.7%, and the converted annual interest rate is generally about 8%, which exceeds the one-year loan benchmark interest rate. Moreover, most banks stipulate that if the loan is repaid in advance, the handling fee must be paid in full. Even if you choose to return the item, you must pay the handling fee, which is also a considerable burden for consumers. Installment payments (Pay by Installments) are mostly used in product transactions with long production cycles and high costs. Such as the export of complete sets of equipment, large-scale vehicles, heavy machinery and equipment and other products. The method of installment payment is that after the import and export contract is signed, the importer first pays a small part of the payment to the exporter as a deposit, and the rest of the payment is paid after part or all of the product is produced, shipped, or after the goods arrive for installation and test run. , investment and repayment in installments when the quality guarantee period expires.