Technology advances unstoppably, day after day, creating true works of art available to anyone. Mobile phones are an example of this. Undoubtedly, the design features or functionalities are at the forefront of technology.
Nowadays having a 모바일대출 is much more than a device with which to make calls. It is the tool for direct contact with society, through social networks. It is an agenda, an alarm clock, a means of communication, information, games… It is simply essential for anyone who is digitally active.
But, precisely for this same reason, the prices they have for sale on the market are quite high, which is why it is necessary, on some occasions, to finance the mobile in order to have the one we want.
What should you know before financing a mobile?
At Xn–vk1b88alydw58a4oi we are experts in providing information about the financing process. Therefore, below, we are going to give you some basic keys to be able to finance your mobile phone in the best way.
Interest rates: this point is key and you have to know and compare them. This will mark the total amount that must be paid monthly in each of the installments. It is advisable to compare different possibilities taking into account the APR (Annual Equivalent Rate) since it is the percentage that we pay, of interest, in a year.
Each entity, or financial institution, will offer a specific interest rate, which usually ranges between 6% and 20%, depending on the amounts, terms, commissions…
Deadlines: the return deadline is also a priority. In addition, it is advisable to have several options to choose from. The time in which the financing will be returned must be tailored to our needs, so we must carefully assess our situation and our ability to repay.
In addition, depending on the months that we request to return the amount required to finance the mobile, the interest rate may vary. Depending on the amount requested, you can opt for return terms from 5 to 18 months.
We invite you to discover some important aspects that can help you when choosing financing.
Commissions: commissions are usually one of the main reasons why any financing ends up becoming more expensive. For this reason, it is important to be well informed of all those that must be paid, both at the time of contracting and until the end of the entire process. If we choose the option of financing the mobile online, these are usually minor, but even so it is important to assess them and be clear about them. Some of them, such as the opening ones, can be up to 3%.
Conditions: the contracting conditions, in general, are another of the elements that must be given the highest priority before carrying out the financing.
Today it can be financed through supermarkets, finance companies, banks, online… so the facilities are many.
Telephone operators, for example, make it easier to do so, but they are usually linked to the contracting of specific rates, permanence in the company, etc.
Another widely used system is to do it through the business where the mobile phone purchase is going to be carried out. In some of them, sometimes, financing without payroll is even allowed, but in that case you have to look at the high commissions that are stipulated and the total amount that we must pay for them.