Buy iPhone X staging In addition to save money there are pit to avoid

Can not tell if I'm poor or the iPhone is more expensive, Suddenly one day, in addition to the house, the car, even the iPhone X also began to buy it .Electricity providers, banks and staging platform to see this outlet is also waiting in the wings, have introduced a variety of installment packages. Many college students to buy mobile phones are Ran cheaper to go, but buyers how sellers fine, staging iPhone X in the end what pit? Today we step on for everyone step ahead.

First of all, to solve the user's most concerned about the issue, in which platform to buy the iPhone X the most cost-effective, taking into account that many college students do not have a credit card, a variety of campus staged pitfalls, we Jingdong, Lynx and Gome three e-commerce platform to understand The current installment to buy iPhone X situation.

Three staging platform Suning Suddenly a spring-like warmth

Now that the major e-commerce platforms have begun to support staging, let's look at the common stages of several major platforms:

Jingdong own 64GB version of the iPhone X can be divided into 3, 6, 12, 24. All rates were 0.8%, cost 67.1 yuan each period respectively need to pay 201.3, 402.6, 805.2, 1610.4 yuan. Generally divided into 12 to count, need to pay 766.1 yuan per month.

Lynx official store 64GB version can be divided into 3, 6, 12, each need to pay the amount of 2860.3, 1460.91, 751.42 yuan, the need to spend more cost 192.9, 377.82, 629.04 yuan.

Suning own store 64GB version can be divided into 3, 6, 12, 24. Coincidentally, Suning engage in activities, 12 and below the interest-free, this is more than the value of the 24 rates also 0.8%, also That is to say if you buy iPhone X two years in phases, a total of 1610.4 yuan to spend more.

So for now, to catch up with the activities of Suning staging the most cost-effective, no need to pay within 12 months can be staged.Of course, Jingdong and Lynx are not without the possibility of engaging in activities, but are unforgettable things.

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Do not be overcharged 'fee' must look carefully

When I went to college, ran into staging platform such a campus promotion: XXX0 yuan hold home! But a closer look at the leaflets, you will find that the platform of the goods in general the price is more expensive , And the interest on loans, that is, the so-called handling costs of these platforms are not low, and some even come to half the price of goods.

but Such propaganda often has a very strong misleading, especially for college students who have not walked out of the campus, but because they spend hundreds of months, they can buy things they had never dreamed of before, Very attractive temptation.A brave, spend money to buy, and then will find that even a few hundred every month, it is difficult to repay.

Wool out of the sheep, e-commerce phone no less than a dime earned, but there are fees. From the total cost of living, the proportion of staging purchase of mobile phones not reduce the anti-increase .This month hundreds or maybe Means that the quality of your life will be greatly reduced.

Interest-free installment of this matter is not always met, because this is equivalent to the installment this is not profitable, of course, the product itself is still profitable sales generally only appear in stimulating sales activities, e-commerce in cash flow Ample circumstances, and will not be because of the slow return on funds suffered much loss, and increased sales will allow e-commerce to get more sales profits.

Perhaps you will say that these fee is not much, but also really not much, take the three platforms iPhone X, more than 60 a month only, but for a student outside playing day zero may not earn this 60 For students who buy iPhone X by installments, you need to come up with a weekend every month to work in installments.

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College students buy mobile phones to be careful not to become a pit father a small hand

Believe that careful friends have found that students are the high-frequency vocabulary of this article in recent years, friends who have college life is not difficult to find a lot of staging platform are the main push the campus market. This is why? Some friends will say : To provide students with the convenience of chanting, incidentally earn their own, a willing to fight a willing to endure, nothing bad, but this is really good for students?

Really not, take a look at so many campus loan incidents, you understand that college students generally have no income, no credit history, no ability to repay, which is why college students can not credit cards. Higher credit risk also means that more needs to be High credit gratuity, that is, the higher the risk we hear, the higher the income, so it is not surprising that higher interest rates should be paid in installments, and with the coat of 'fees', high interest rates do not seem to be the case unexpected.

And friends who have used campus loans may encounter such a situation that they need to fill in their parents' information when completing their personal information.Unfortunately, although all the college students are adults, they still can not bear the consequences for their own behavior and the student borrowers Subsistence protection is still their parents.No income college students even if the re-installment, spend their parents money, so when the borrower unable to repay, dunning its parents is not impossible.

In addition, the poor ability of independent students, a short time is difficult to break away from school, the possibility of borrowers disappear out of thin air, so even if the credit risk of college students is relatively high, but relatively easy to recover funds.But for college students, there is no income Staging also bear high interest rates, whether the answer to us is obvious.

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The ability to avoid pit crowd is a reasonable period of the market

Although many staging platforms are in the main student market, in fact, college students are not rational groups to buy, especially high-priced electronic products, such as iPhone X. But the problem is that the college group is not only difficult to resist temptation but also willing Money, installment platform will obviously not give up this market.

Although there are some deviations in the staging market nowadays, it is undeniable that mobile phone staging does have some convenience, which can short-term economic pressure to a certain extent, and there are occasions when large e-commerce platforms such as Jingdong, Tmall and Suning sometimes have activities , For example, happened to encounter Suning 12 interest-free.

To generalize the student groups is not accurate, after all, those who have rich living costs are more common .Accurate monthly living expenses and a sufficient amount, then consider buying a high-end mobile phone is no problem .Of course, but also according to their own needs and Spending power, select the appropriate mobile phone products purchased in installments.

In general, the purchase of mobile phones by installments is more suitable for consumer behavior with a stable income consumer groups.Compared to a one-time purchase, installments can facilitate the flow of consumer funds, staging platform to obtain the normal interest is also reasonable.

In addition, those who often drop in and out, the phone is very rough friends do not buy mobile phones in phases.Mobile phones have become consumables, the battery cycle number of about 500 times there will be more obvious attenuation, according to the frequency of one day a charge, basically two Years will appear battery is not durable situation.

Coupled with the aging of other hardware and the usual bump, a cell phone using less than a long time experience will be different.Of course, there is the case of cell phone lost, the phone is not good, or even lost, the result of staging It's still a very disgusting thing.

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Staging buy mobile phone rational to avoid pit big platform more at ease

If you want to purchase a high-end mobile phone in installments, then calm down to ensure that this is not beyond its own affordability thing. The simplest way is to calculate the total purchase of this phone in phases to spend money and the same period of their own Living cost comparison.

If the total amount of staging the share of living expenses over this period of time is too high, then endure a forbearance, telling myself rational consumption is the most important otherwise staging will seriously affect the quality of life this time, to buy a cell phone is simply not worth it. If the installment amount exceeds the repayment ability, it is quite possible that the situation mentioned in the article first appeared: the installment was not yet up, Seven thousand arrears 9 months 14,000 yuan late fees, plus a liquidated damages totaling more than 3 million yuan, 9 months quadruple the speed really scary.

Determine their own ability to repay, choose a reliable platform is also very important.A few online brands and offline unknown stores need to be staged, if there is a demand, you must carefully read the contract, beware of being deceived.

To everyone's suggestion is that you want to staging, the election Jingdong, Lynx, Suning such a large e-commerce platform or mobile phone official website, these platforms are relatively reliable, and large-scale e-commerce platform sometimes promotion installment interest-free, such as Suning iPhone X, 12 staging can save 800 fee.

See here, I believe we also understand: Although staging allows us to spend on previously dare not think of high-end equipment, but it does not change our purchasing power. Staging is a double-edged sword, the use of good to benefit from the use of Not losing money does not say, not yet on may also affect our credit history.In short, rational consumption is the most important.

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