Recently, many customers have come to buy mobile phones, lamenting that money is becoming less and less valuable, 56,000 to buy an Apple mobile phone before, and now it costs 89,000 to buy an Apple mobile phone.
SPENT 89,000 YUAN TO BUY A MOBILE PHONE, WHICH IS NOW THE MOST POPULAR IPHONE XSMAX, AND THE LAST MOBILE PHONE WAS BASICALLY AN APPLE MOBILE PHONE, NOT TO MENTION ALL, AT LEAST 80%.
Many people say that there are only two kinds of mobile phones in the world, one is an Apple phone and the other is an Android phone. This is mainly distinguished from the built-in system of the mobile phone.
Apple is IOS, and other phones are Android. Samsung, Xiaomi, Huawei, Meizu, OPPO, VIVO, etc. are collectively referred to as Android phones.
Why is the user loyalty of Apple mobile phones so high? Mainly used to it, and then go to another Android phone to use, using it will feel stuck and dead, not easy to use.
Android mobile phones are not all low-priced, many high-end machines, such as Huawei's Porsche Customized Edition, the official price is 9,000 yuan, and Samsung's flip phone W series is more than 10,000 yuan.
Not everyone is so easy to come up with so much money to buy a mobile phone at once. Many people say, I won't buy it if I don't have money, so why do I have to slap my face swollen and become fat. That's right, but everyone's consumption concept is different, there is no standard for this, and there is no right or wrong.
If you don't have money to pay back when the next month expires, apply for an installment with the credit card bank, and it's very simple in minutes. The bank will charge some interest every month, of course, the bank does not officially call it interest, but the handling fee.
Those who have used a credit card should know that a few days before your last repayment date, the bank will send you a text message to remind you that this bill can be repaid in installments, and the monthly interest is only between 0.6 and 0.8, and some banks are lower than this.
Many people think that the interest rate is not high, only a few tenths of a point, less than 1 point, how can you say it is a pit. In fact, this is a word game, a routine that the financial industry is used to. Most people will not calculate, the actual annual interest is at least about 18 points, and the monthly interest is at least about 1.5.
For example, if you have 5,000 installments on your credit card, you can repay them in 10 monthly installments, and the monthly installment fee is 0.7. On the surface, there is nothing wrong with it, but what if you take a closer look at the repayment plan?
500 principal + 5000×0.7% in the first month, 500 principal + 5000×0.7% in the second month, and so on, 500 principal + 5000×0.7 in the tenth month
It's good to pay back 500 a month, a total of 5,000 yuan, and it will be paid off in 10 months. The interest rate for the first month is 5000×0.7%, which is no problem, and the problem lies in the repayment plan below.
The interest for the second month should be 4,500×0.7%, because you have repaid the principal of 500 in the first month, and the remaining 4,500 has not been repaid, and the bank will charge 5,000.
The interest of the last month should be 500×0.7, because you have repaid 4500 in the previous 9 months, and the bank is still 500, but the bank still charges 5000 according to the original 5000, a difference of 10 times!
If you don't understand it, your hard-earned money will be taken away by these word games.
Credit card installments are also interest-free, but interest-free generally has a certain time limit. For example, on Apple's official website, if you buy a mobile phone with a China Merchants Bank credit card and repay it in 3 installments, there is no interest.
But very few people divide into 3 periods, and 96% of people choose 12 or 24 periods. Apple mobile phones are generally sold, and the price is less than 5000, and if you repay it in 3 installments, it will be about 1700 per month.
Most people who buy a mobile phone to pay in installments, let him pay back about 1700 per month, it is not tempting for him, and paying a few hundred yuan a month is their first choice.
For credit card installment, you must first have a credit card, but students cannot get a credit card.
It doesn't matter, someone has already thought about it for you. Buying things online now is nothing new to young people. What should I do if I don't have money? Taobao has Huabei, Jingdong has Baitiao, and Suning has willful payment.
These three platforms are relatively formal, because they are all large companies, and like credit cards, they have a certain free use period, and if you have no money to repay when it expires, you can also apply for installment repayment.
Now you can see the installment purchase of mobile phone business, whether it is an offline store, such as a store or a business hall, as long as the place where the mobile phone is sold, there will be such an advertisement.
For college students, I directly typed 0 down payment to buy a mobile phone. For example, if you buy a mobile phone for 5,000 yuan, when you buy a mobile phone, you don't have to pay a penny, you can just take it away, and then repay it every month.
The installment business is mainly cooperated by third-party financial companies and sellers, and it is not that the seller directly does installment with you. Why dare to make a 0 down payment, aren't you afraid that you won't pay it back?
To be able to make a 0 down payment for you, first of all, you must be a college student, and you must be able to find it on the academic information network. Mobile phones are generally only a few thousand dollars, and you can't even want a graduation certificate for a few thousand dollars.
The most important thing is that if you can give you the next payment, you must review a lot of your personal information, and if you can't review it, you won't be given the next payment.
When some people do installments, they think about good things, thinking that as long as I do the installment, I won't repay the loan in the future, depending on what you do to me. You are really stupid to be a installment company, people are doing this business, if you don't pay it back, if he doesn't pay it back, the company won't go out of business.
These financial companies that do installments, like banks, will have their own risk control systems, as long as you enter the blacklist of one company, in other companies, you will definitely not be able to do it.
Mobile phones that can successfully handle installments, especially Apple mobile phones, will have their ID account, as long as you successfully repay a certain number of installments, they will remotely cancel this ID from your mobile phone.
If you don't repay the loan on time, they will call you, and if you don't answer, they will send you a message. If there is still no response, if you pay back a few installments, they will remotely lock your mobile phone, because your mobile phone for installment has their ID account.
Even if you change your phone, as long as your number is in use, they will use the phone to harass you and make your phone unable to use normally. Your family will also receive calls and texts from them, and you will be ready to explain when the time comes.
Since they dare to lend you money without collateral, they are not afraid that you will not pay it back, and in professional terms, installment companies will also have their risk control systems and means.
Buy a 5,000 mobile phone, make an installment, pay it off in December, and it will normally cost more than 7,000 yuan. The interest of more than 2,000 yuan, calculated according to the point, is 40 points!
Have you ever bought a mobile phone in installments? Do you think it's cost-effective, and what pitfalls have you encountered?
But very few people divide into 3 periods, and 96% of people choose 12 or 24 periods. Apple mobile phones are generally sold, and the price is less than 5000, and if you repay it in 3 installments, it will be about 1700 per month.
Most people who buy a mobile phone to pay in installments, let him pay back about 1700 per month, it is not tempting for him, and paying a few hundred yuan a month is their first choice.
For credit card installment, you must first have a credit card, but students cannot get a credit card.
It doesn't matter, someone has already thought about it for you. Buying things online now is nothing new to young people. What should I do if I don't have money? Taobao has Huabei, Jingdong has Baitiao, and Suning has willful payment.
These three platforms are relatively formal, because they are all large companies, and like credit cards, they have a certain free use period, and if you have no money to repay when it expires, you can also apply for installment repayment.
Now you can see the installment purchase of mobile phone business, whether it is an offline store, such as a store or a business hall, as long as the place where the mobile phone is sold, there will be such an advertisement.
For college students, I directly typed 0 down payment to buy a mobile phone. For example, if you buy a mobile phone for 5,000 yuan, when you buy a mobile phone, you don't have to pay a penny, you can just take it away, and then repay it every month.
The installment business is mainly cooperated by third-party financial companies and sellers, and it is not that the seller directly does installment with you. Why dare to make a 0 down payment, aren't you afraid that you won't pay it back?
To be able to make a 0 down payment for you, first of all, you must be a college student, and you must be able to find it on the academic information network. Mobile phones are generally only a few thousand dollars, and you can't even want a graduation certificate for a few thousand dollars.
The most important thing is that if you can give you the next payment, you must review a lot of your personal information, and if you can't review it, you won't be given the next payment.
When some people do installments, they think about good things, thinking that as long as I do the installment, I won't repay the loan in the future, depending on what you do to me. You are really stupid to be a installment company, people are doing this business, if you don't pay it back, if he doesn't pay it back, the company won't go out of business.
These financial companies that do installments, like banks, will have their own risk control systems, as long as you enter the blacklist of one company, in other companies, you will definitely not be able to do it.
Mobile phones that can successfully handle installments, especially Apple mobile phones, will have their ID account, as long as you successfully repay a certain number of installments, they will remotely cancel this ID from your mobile phone.
If you don't repay the loan on time, they will call you, and if you don't answer, they will send you a message. If there is still no response, if you pay back a few installments, they will remotely lock your mobile phone, because your mobile phone for installment has their ID account.
Even if you change your phone, as long as your number is in use, they will use the phone to harass you and make your phone unable to use normally. Your family will also receive calls and texts from them, and you will be ready to explain when the time comes.
Since they dare to lend you money without collateral, they are not afraid that you will not pay it back, and in professional terms, installment companies will also have their risk control systems and means.
Buy a 5,000 mobile phone, make an installment, pay it off in December, and it will normally cost more than 7,000 yuan. The interest of more than 2,000 yuan, calculated according to the point, is 40 points!
Have you ever bought a mobile phone in installments? Do you think it's cost-effective, and what pitfalls have you encountered? Welcome to leave a message to discuss!
Zhang Guohe: Engaged in mobile phone repair work for 15 years, repair mobile phones will write articles, write articles will repair mobile phones, professional questions charge consultation!