Should I buy a laptop on installment? Things to note when buying a laptop on installment

You are a student or a working person who needs to buy a laptop, you wonder whether to buy a laptop on installment or not. Please refer to the article below about things to note when buying a laptop on installment, so that you can make a decision!

When should I buy a laptop on installment?

Owning a good laptop to serve the needs of studying, as well as working is very normal. However, laptops are a fairly expensive item (from 10 million – more than 50 million), so many people often choose the option of buying a laptop in installments.

Those of you who are students or even those who have worked, you can completely buy a laptop in installments if you want. Because then, you will not need to pay once, but you can split that amount every month to own the laptop.

Currently, you can easily buy a laptop in installments with an attractive interest rate of 0% . That is, after you complete the installment, the total amount to be paid will be only slightly above the listed price of the machine. The difference amount may include contract fee, insurance, .. but not significant.

There are quite a few events for you to buy laptop installments with 0% interest rate such as: Major holidays of the year, back-to-school season, promotional events, product launches or gratitude to customers of the systems. Supermarkets, shops selling laptops, ..

Reasons to buy a laptop on installment

Reduce financial pressure

Nowadays, buying a laptop is not a difficult thing for many people. However, for students, it is not easy to spend a large amount of money to own a laptop for study needs.

For those of you who study some specific specialties such as: IT, graphic design, architecture … require laptops with relatively high machine configuration, so their value will also be quite high. Therefore, choosing to buy a laptop on installment is extremely reasonable.

Even if you already work or can afford to pay once for your favorite laptop. You can still choose to buy a laptop on installment. As this will help relieve financial pressure, you can manage your cash flow to do other things.

Many incentives with attractive interest rates

The support to buy laptops in installments for students, working people, is often deployed at large stores with extremely attractive incentives and interest rates. You can research and consult carefully before choosing.

Laptop products can be supported in installments with very low interest rates or 0% interest. Electronic supermarkets also support installment purchases without prepayment or direct discounts on products for students…

Today, electronic supermarket systems or laptop stores often have programs to support buying laptops on installments or other items such as phones, tablets, via credit cards or other electronic devices . finance company .

In addition, the benefits, promotions or gifts when you buy a laptop on installment will also be applied the same as when you pay once. You do not need to worry about the installment purchase will not be fully supported, if you choose the right reputable purchase address.

Own the product immediately

If you have a need to buy a laptop and wonder if you can immediately own it if you buy it in installments or not, the answer is that you can completely own the device as soon as you complete the procedures. installment contract.

The procedures and documents to make an installment contract are also very simple, it will not take too much time. In short, buying a laptop in installments is now as quick and convenient as when you shop and pay once.

Notes when buying a laptop with installment payment for students

Above, are the benefits that buying a laptop on installments brings, especially for students, to be able to own a laptop without worrying too much about financial problems. However, there are a few things you should keep in mind when buying in installments.

Installment interest rate

When you sign up to buy a laptop or any product in installments, you are actually working with a bank or financial company. These units will lend you the money to buy the machine and you need to pay it back every month depending on the regulations of the place you choose.

Each bank and financial company will have a different way of calculating interest rates and support packages. Therefore, you should carefully refer to the interest rate as well as the amount to be paid each month, your ability to pay to choose.

Any installment contract, there will also be additional fees such as insurance fees , card swiping fees (for credit cards), all of which are interest-free and added to the total payable. and spread out every month.

Therefore, if you buy a laptop in installments with 0% interest , you will not have to pay interest , but the total amount to be paid will be slightly more than if you buy it straight because the bank adds a contract fee . But you can rest assured because this fee is not significant .

Choose a reliable buying address

Currently, the laptop business market is very dynamic and diverse. There are many shops selling laptops with preferential interest rates, but with an expensive device such as a laptop or phone, you should choose to buy at reputable places.

Large laptop stores like Tnhelearning.edu.vn, very often have great promotions, more importantly, transparent sales policies and good warranty service have confirmed the quality for consumers. use.

Procedures when buying in installments

The procedures required to buy a laptop on installment payments are now quite simple. You just need to prepare all the necessary documents and bring them to the store to sign the contract, which can be done quickly.

In addition, many stores also support online installment purchases . You can easily buy your favorite laptop without having to go directly to the store. Then you just have to wait for the delivery staff to come to your door.

Documents required when buying a laptop with installment payment include: identity card or citizen identification, driver’s license, household registration, student card (depending on the lender), ..Prepare a few phone numbers of relatives, friends for the bank to confirm.

Commitment of the product distribution company

Finally, when deciding to buy a laptop on installment, you should choose reputable and quality stores to buy. These stores will clearly support and advise on loans, interest rates, loan terms, and amounts to be paid clearly.

The quality of the product also needs to be equivalent to the amount of money you have to spend to own such as: 100% genuine goods, new and unused products, warranty period in accordance with the company’s regulations, exchange policy Pay when unfortunately the machine has a problem.

Tnhelearning.edu.vn has just sent you an article to answer the question of whether to buy a laptop on installment or not. Besides, there are things to keep in mind when buying a laptop on installment. If you still have any questions, leave a comment below.