Miss Hu has been a little worried recently. The "bleeding" bill of the Double Eleven is already on the way, and the Double Twelve is coming again. There are still several favorite things that she wants to take in. Miss Hu’s usual consumption concept is very conservative. Credit cards are repaid in full and on time every month, and the minimum repayment and credit card installment have never been used. Huabai and JD.COM Baitiao only try occasionally, but they are also repaid on time without installment. She calculated in her mind and was very worried that she would be stretched this month.
However, financial experts told the Beijing Youth Daily reporter that consumers who are "ahead of consumption" like Miss Hu had better borrow the consumption installment when they encounter such temporary financial difficulties. Staging is equivalent to allocating the funds that need to be paid in one lump sum to the next few months, which can greatly reduce the repayment pressure of consumers. However, this kind of spending "tomorrow’s money" requires a cost, so how expensive are the flowers, white bars and credit card installments of banks?
premium rate
JD.COM IOUs have the lowest deadlines.
The reporter of Beiqing Daily inquired about the installment fee rate that he might have to bear among these payment methods by inquiring about materials and consulting customer service. After comparison, it is not difficult to find that the staging policies of various institutions are different. For example, the number of installments set is different; For the installment with the same term, the handling fee rate is also different; In the way of collecting fees, some institutions require that all fees be paid in one lump sum in the first installment, while others stipulate that fees can also be paid in installments like the principal.
According to the information collected by reporters of Beiqing Daily, only from the perspective of installment rate, JD.COM White Strip has the lowest term; Secondly, ICBC credit card installment, but ICBC is the first one-time charge; Once again, it is a flower bud; The rate of credit cards in joint-stock banks is relatively high. Generally speaking, the installment payment terms of bank credit cards stipulate that the final applicable rate standard of cardholders will be adjusted on the basis of the standard rate according to the credit status.
contrast
The total price of the same commodity in different stages is not much different.
Take SKII Fairy Water, which many ladies like, as an example. The official domestic price of 230ml is 1450 yuan. The reporter of Beiqing Daily saw in SKII’s official flagship store in JD.COM that if this product is purchased in installments, and the third and sixth issues are selected, there is no service charge. Pay 483.34 yuan for the third installment and 241.65 yuan for the sixth installment. If you choose 12 installments, the rate is only 0.30%, the service fee is 4.35 yuan per installment, and the principal is 125.22 yuan per installment.
In the official flagship store of Tmall SKII, the price of this product is also 1450 yuan. Consumers can choose to spend the flowers in stages, plus the handling fee, and each phase of the third phase needs to pay 494.45 yuan; 252.54 yuan shall be paid for each of the 6 issues; 129.90 yuan is required for the 12th installment.
If you choose a Pufa credit card with a relatively high rate to buy at the counter of the offline shopping mall, you will choose to pay 496.38 yuan in three installments. 252.98 yuan shall be paid for each of the 6 issues; 131.56 yuan will be paid for each of the 12 issues. Compared with JD.COM’s IOUs staging, Phase 3, Phase 6 and Phase 12 cost 39.12 yuan, 67.98 yuan and 76.08 yuan more.
scene
The price gap is often greater than the rate gap.
Since the rates are different, should we just choose the cheapest white note every time? The answer is obviously no. On the one hand, it can be seen from the above cases that the total expenditure gap of ordinary consumption caused by different installment rates is not that big. More importantly, there are different scenarios in which flowers, white stripes and credit cards can be used. You can’t be choosy about the terms of payment for every item.
JD.COM white bars are mainly used in JD.COM Mall and a few offline transactions; Flower buds are mainly used for offline transactions of Taobao, Tmall and some Alipay; Credit cards are the most widely used, but they can’t be used everywhere. Therefore, in addition to considering the rate issue, application scenarios also limit consumers’ choices, and the difference between the prices of different platforms may be much larger than the difference in installment fees.
Take this fairy water as an example. Although JD.COM Baitiao is the most affordable choice under the premise of accepting the official domestic price, the reporter of Beiqing Daily found that the price of 230ml of imported fairy water directly operated by Tmall International was 1299 yuan, and the discounted price was 1234.05 yuan, which was nearly lower than the official domestic price in 220 yuan. Moreover, it is also possible to use the flower buds in stages, with the payment of 420.81 yuan for each of the three phases, 214.92 yuan for each of the six phases, and 110.54 yuan for each of the twelve phases; Each installment is 62.53 yuan, 26.73 yuan and 14.68 yuan less than JD.COM’s self-operated IOUs installment. After the whole stage is completed, choose the 3rd, 6th and 12th stage, and the self-operated brand flagship store in Tmall International will spend 187.59 yuan, 160.38 yuan and 176.16 yuan less than that in JD.COM respectively, which is much more than the difference caused by the simple rate.
In addition, credit cards are not exactly the same as flower buds and white strips. Some people only have credit cards, and even Alipay has not been opened; Some people shop online all day without applying for a credit card. When choosing to spend by stages, their choices are naturally different.
Some insiders told the reporter of Beiqing Daily that the credit card installment rate of many banks looks slightly higher, but credit cards will have points. In addition to changing gifts, many banks’ points can also be used as cash. In addition, credit cards of various banks often have preferential promotions, especially some activities aimed at staging are very affordable. For example, some brands can avoid handling fees when they designate goods for 12 periods, and the money saved can be used to manage money and earn interest.
survey
The first choice for post-90s consumer loans is flowers and white stripes.
According to a survey on consumer loans conducted by Rong 360 this year, the post-90 s men preferred flowers and white stripes, especially the post-90 s men have become the main force of consumer loans, while the post-60 s men love to use credit cards.
According to this survey, it can be seen from the survey data that among the people who use consumer loans, 80.44% are men and only 19.56% are women.
In terms of age, the post-90 s (including post-95 s) accounts for the highest proportion of the loan population, reaching 49.31%. In other words, nearly half of the people who use consumer loans are post-90 s. It can be said that the post-90s generation has become the absolute main force of consumer loans.
On the whole, among the consumer loan products most commonly used by users, credit cards occupy the first place with a proportion of 35.54%, followed by ant flower buds, JD.COM white bars and online loans.
However, users of different age groups have obviously different characteristics in the use of consumer loan products: 50% of the post-60 s people use credit cards most often; However, after 90′ s, especially after 00′ s, the proportion of flower buds and white stripes has surpassed that of credit cards, making them the most important choice in consumer loans.
From the perspective of application scenarios, the survey found that users want to use medical staging. In addition, users also have different levels of demand for consumption staging scenarios such as education, decoration, tourism, renting, marriage, confinement center, parenting, agriculture and beauty. The insiders believe that it is foreseeable that under the stimulation of increasing market demand, the application scenarios of consumption staging will inevitably become more and more extensive. But at the same time, young consumers should be reminded to live within their means and not to bear a heavy burden because of excessive consumption.
Text/reporter Cheng Wei