In short, as long as the current available amount of flowers or credit cards is greater than the price of mobile phones, users can buy mobile phones by stages.
Extended data:
Pay attention to these four points when buying mobile phones by stages!
1 Ask for interest before installment.
Many people know that you can buy a mobile phone by installments, but few people really understand the installment interest algorithm and average level. Some merchants use the advantage that consumer loans have no interest to fool consumers and grab more profits.
Xiao Di accompanied a friend to buy a mobile phone some time ago, and MM, a salesman of a specialty store, enthusiastically recommended it, and emphasized: "Our family can pay by installment, and the interest is very low, only one thousandth!"
One thousandth? Just listening to this figure, do you really think it is very low?
When asked how to calculate the interest, sales MM "sincerely" explained: "That is to say, if you buy a 5,000 yuan mobile phone, you only need 5 yuan interest every day."
The original daily interest rate is 0. 1%, which translates into 3% monthly interest and 36% annual interest! Isn't this usury? !
When buying a mobile phone by stages, you must ask the interest clearly, and don't be cheated by the sales MM.
2 Beware of "zero interest"
It is not uncommon for mobile phone sellers to use the banner of "zero interest", especially in mobile phone specialty stores in third-and fourth-tier cities and towns, to attract people's attention and attract consumers to buy.
Wool is on sheep. On the surface, it is really free of interest, but the service fee and installment fee are added. After careful calculation, it is no different from charging interest, even higher than simply charging interest.
Don't pay the deposit before the installment loan.
The loan required to buy a mobile phone by installment is usually not the merchant's own, and it needs to be applied to financial institutions such as loan companies and banks that cooperate with the merchant.
Some businesses, regardless of consumers' qualifications, directly promised to help with loans and asked consumers to sign an agreement and pay a deposit. Most consumers signed it without reading it. As a result, the loan could not be done and the deposit could not be returned.
To buy a mobile phone by stages, we must first find out whether we can get a loan. When signing the agreement, you should read the terms clearly and distinguish the difference between the deposit and the deposit. The deposit can be refunded, but generally it is not.
4 mobile phone prices are low but designated loan companies
The prices of some models in some mobile phone stores will be much cheaper than those in other stores, but if you want to buy them, you must go to the store and go to the designated loan company for installment payment. These designated loan companies usually give mobile phone dealers a certain "benefit fee", which will eventually be passed on to our consumers.
When buying a mobile phone by stages, you must be vigilant to prevent being hit in the face by unscrupulous merchants.