It's better to buy mobile phones in installments or in full
With the continuous development of smart phones, flagship phones of various brands are also being launched more and more quickly, and various hardware configurations are also making continuous progress. The performance of several flagship models is gradually improved, and the price is the same. Many young partners will choose to buy mobile phones in installments when they buy them. Now let's talk about whether it is better to buy mobile phones in installments or in full!
Whether to buy mobile phones by installment or by full payment
Buying a mobile phone is certainly a good choiceBecause installment payment has the following two disadvantages:
1、 Installment payment will make you overestimate your spending power
This is the most important problem. Many people clearly think that more than 5000 mobile phones are expensive, but as long as they are divided into 24 installments, they seem to be less expensive. Generally speaking, the goods that need to be paid in installments are nothing more than houses and cars. The loans for houses are generally 20-30 years, and the loans for cars are generally 3-5 years. These two things are most likely to continue to be used after you have repaid the loan.
But the mobile phone is different. If the mobile phone breaks down, it becomes your pure debt. In a word, when you think a thing is not too expensive by installment, it means that the satisfaction it can bring you at this time is not high, and you don't deserve to own it. The advertising words on TV, "Daddy smokes a pack of cigarettes less and Mommy uses less cosmetics", are nonsense. In fact, if you can not smoke, you will not smoke even if you don't buy anything.
2、 It can not be saved
If you can't save money, you have no ability to resist risks and no chance to turn around.
Too many people are brainwashed by the saying "money is not saved, it will be earned only when you spend it". You can think about who you want to spend most, one is the seller, the other is your boss. The more money you spend, the less you dare to resign and work hard. In fact, for most ordinary people, wages will only increase at a steady rate in the next few years.
Money is saved. Don't buy anything you don't need. Don't touch luxuries. Don't put your money in stocks. Save Yu'e Bao and buy index funds at most.
If it is true that there is little working capital in hand, it is impossible to choose installment purchase. In addition to generating interest, some mobile phone dealers also charge service fees.
Although installment purchase of mobile phones can alleviate the recent economic pressure, it will cost more in the long run. Although it would be better to buy all the money, the economic pressure generated in a short time is relatively large.
Select installment payment to calculate the account:
1. Although the pressure of installment payment is reduced, the actual expenditure is increasing. Although it doesn't look like a lot every day, if it is staged for 12 months, it is also a big expense compared with the mobile phone payment. In addition, many installments do not support prepayment. In addition to various service fees, in terms of the actual amount spent, installments are not cost-effective.
2. There are also many staging websites for 3C products such as mobile phones, tablets, computers, and digital products. The staging products are mainly for college students. Many college students choose installment consumption loans because of impulsive shopping, and the "sum of principal and interest" to be repaid is nearly 1.5 times of the loan principal.
3. Industry insiders remind consumers that they should purchase mobile phones according to their ability and consume rationally; If you choose to pay by installment, you must carefully read the contract, check the repayment amount, repayment period and repayment method, and keep the original contract.
4. In addition, some companies, under the guise of interest free, actually charge installment fees, guarantee fees, service fees, etc., and even the related fees are higher than the normal interest. Therefore, when consumers choose to pay by installment, they must calculate the actual total repayment amount.
The above is the introduction of whether the mobile phone should be bought in installments or in full. If there is a certain shortage of funds in the short term, and you need to buy this mobile phone immediately, you can buy it in installments. In other cases, it is generally better to recommend a one-time purchase of the full model!
