If the landlord wants to pay in installments,

you must first have a credit card. Applying for a credit card is different from a bank card and requires approval. The approval time is about 20 working days (I If you apply for a credit card from China Construction Bank); you can apply online or fill in a form at a bank outlet.

Secondly, the credit limit of the credit card must be greater than or equal to 5 seconds, that is, the credit limit must be greater than 5,300 yuan. (5s, 16G is 5288 yuan. If the poster requires a larger capacity, the amount of the mobile phone will be higher, and the credit limit will also be increased accordingly)

Finally, the types of installments that the poster can choose It’s also different.

If you buy a phone with a contract, China Telecom and China Unicom will cooperate with banks. If there are promotions, they will launch installments with 0 handling fees, which is more cost-effective (China Construction Bank credit card has this promotion, you can ask the merchant ), the installment is completed on a dedicated installment POS machine. Just swipe the card and the installment is completed. This is the shopping mall POS installment.

If you buy bare metal, you can consider the bank's consumption installment. Here is an example of a CCB credit card

Consumption installments: Installments are made for single card consumption exceeding 1,000 yuan that has not yet been billed.

Processing time: from the time the card is swiped to two days before the latest bill date.

Transaction amount: A single credit card payment is greater than or equal to 1,000 yuan.

Instalment fees: The following figure is provided to the poster on the official website. The poster can take a look at it:

Assume that the poster's bill date is the 5th of each month and the due date for repayment is 20 days after the bill date. day, that is, the 25th of each month. If the poster swipes his card for 5,288 yuan on 3/8, he can call to apply for consumption installments before 4/3 (4/5 is the bill day, and 4/3 is the 2 days before the bill), which will be divided into 12 installments. The principal of each installment is 5288/12=440.67 yuan. Handling fee per period = 5288*0.6 = 31.72 yuan, total *** handling fee for 6 periods = 31.72*12 = 380.73 yuan, amount payable in each period = 440.67 31.72 = 472.39 yuan, the money for the first installment will be settled at For the 4/5 bill, you can pay it off before 4/25, and so on, and it will be paid off within one year.

The above has roughly introduced the bank’s installment business to the poster, but the details should be considered based on the actual situation of the poster~