I see, it means, for example, this mobile phone costs 4000 yuan. Then you can use the above documents as proof, and then you can pay 400 yuan to buy a mobile phone first, and then pay the remaining 3600 in installments. It seems that there is no interest to pay off the balance within three months (as most banks do). There should be no fraud. After all, it is a state-owned enterprise. If you cheat one, you should go to court. This is just a promotion method, but the key is the handling fee. Generally, the handling fee is relatively expensive. If you really want to buy it, ask how much it costs. If it is too expensive, it is worthless. General handling fee+principal+interest+down payment = full payment of mobile phone. I hope everyone will buy carefully.