Ziruke Exclusive Installment is a rent consumption installment loan derived from the Ziroom Rental Platform based on the rental scenario, which can reduce rent pressure for tenants. It should be noted that if there is an overdue situation, not only will there be penalty interest, but if the overdue time is too long, it will also have a negative impact on the credit report. In serious cases, Ziroom Platform can take back the rented house.

There are also many forms of installment payment terms: the home buyer pays in installments by himself, usually paying the down payment first, and then paying the second payment after receiving the delivery notice from the real estate agent; , the third payment will be paid within a certain period of time after moving in. In this way, the total house payment paid by the house buyer will usually be more than the one-time payment, but at the same time it can reduce the losses that may occur in the off-plan house, such as the house being "unfinished", or if the house price falls more than the down payment and the house buyer's own financial situation. Conditions change, etc.

Loan installments usually take several years to be paid off. The key here is, in addition to the down payment, when the installments start. In other words, when the lending bank hands over the home buyer’s loan to the real estate. business. This time can start as soon as the loan procedures are completed, or it can start when the house is delivered. The latter is more beneficial to the home buyer.

Of course, how to pay is not a matter of wishful thinking for home buyers. If the real estate developers themselves do not have the strength, they must rely on the home buyers’ money to build the house. They usually will not agree to the time for the second installment of the home buyers’ payment. When the house is handed over, in this case, the buyer can only decide whether to buy the house from this real estate developer besides fighting for it.

Clear the scope of installment payment. Each bank has different approaches to installment payment. In addition to the products in the credit card installment payment catalog, some banks have specific requirements for purchase location and amount. For example, Guangfa Card can apply for installment payment for a single transaction of over 500 yuan, and you must call customer service to register before consumption; while China Merchants Bank can apply for installment payment when making purchases at Gome Electrical Appliances, B&Q, etc. It is important to find out whether the purchase can be paid in installments before making a purchase.

Accurately calculate handling fees. There is no free lunch in the world. Although credit card installment payments are interest-free, handling fees are unavoidable. It is necessary to calculate the handling fee to be paid before consumption. If the price is acceptable after adding the handling fee, it is not too late to swipe the card.

Choose the most cost-effective credit card. Since each bank calculates handling fees differently, after understanding the credit card handling fees, you should choose the most suitable card for transactions. The service rates of each bank are as follows: Bank 3 Phase 6 Phase 9 Phase 12 China Guangfa Bank 1.8 3.6 5.4 7.2 China Merchants Bank 2.6 4.6 -7.2 Industrial and Commercial Bank of China 1.65 3.6 5.4 7.2 China Construction Bank 2.1 3.6 - 7.2 Bank of Communications is divided according to the consumption amount: 1,500 (inclusive)-6,500 yuan, 0.72 per month; 6,500 (inclusive)-12,500 yuan, 0.7 per month; above 12,500 yuan (inclusive), 0.68 per month