As you know, we have not been able to get a phone call by making installments with a credit card for a while. However, since no one can spend thousands of liras out of pocket at a time, alternative methods of buying a phone in installments have emerged. Let’s take a closer look at how to buy a phone in installments and see the methods of buying a mobile phone in installments.
We live in one of the fastest times in technology. Every year, smartphone manufacturers introduce models with never-before-seen features. When you say let’s get it, you come across all kinds of taxes and the exchange rate that brings tears to your eyes. At least when you want to pay in installments You cannot buy a phone with a credit card. However, there are some methods of buying a mobile phone in installments.
The methods you will use to buy a mobile phone in installments will vary depending on which seller you bought the phone from. Each seller can provide their users with the opportunity to purchase a phone in installments, within the framework of the rules and campaigns determined by them. It is recommended that you do a good research, as this may cause changes in device prices. Bride Let’s take a closer look at how to buy a phone in installments and let’s see the methods of buying a mobile phone in installments.
How to buy a mobile phone in installments?
- Method #1: Buying a mobile phone in installments using a shopping loan
- Method #2: Buying a mobile phone in installments using a consumer loan
- Method #3: Buying a mobile phone in installments from additional campaigns to the invoice
- Method #4: Buying a mobile phone in installments by borrowing with promissory note
- Method #5: Buying a mobile phone in installments using a commercial credit card
Method #1: Buying a mobile phone in installments using shopping credit:
Recently, the most widely used method of buying a mobile phone in installments is to use shopping loans. Almost all major vendors, stores and shopping sites They offer shopping loans to their users by making agreements with different banks. Shopping loans can often be low or even zero interest.
According to the latest statement made by the BRSA, the Banking Regulation and Supervision Agency, the loan installment for mobile phones under 5 thousand TL is 12 months, Credit installments for mobile phones of 5 thousand TL or more are limited to 3 months. Yes, it doesn’t make your job much easier, but it’s still an effective option.
Method #2: Buying a mobile phone in installments using a consumer loan:
Since the number of installments of the shopping loan is quite limited, many users by taking a general purpose loan from the bank where he is already working He uses the method of buying a mobile phone in installments. Considering that consumer loan installments go up to 36 months, it is possible to say that shopping loan is much more advantageous than the limited installment option.
Many banks give loans to their customers at very low interest rates. However, as in shopping loans, consumer loans are also You have to meet some conditions. If you have a lot of debt or your credit score is low, you may not be able to get a shopping loan or a consumer loan. If you already have this much debt, it may be better to manage with your old phone for a while.
Method #3: Buying a mobile phone in installments from campaigns in addition to the invoice:
Another method of buying a mobile phone in installments, which is as common as shopping loans and general purpose loans, is the offers that offer additional payment to the bill. you are using Turkcell, Vodafone or your Turkish Telephone GSM operator It will offer the opportunity to buy a phone in installments without any down payment.
The number of installments determined by the BRSA is also valid for additional campaigns to the invoice. To take advantage of such campaigns You have to be a user for the period determined by the operator. It is recommended that you carefully examine the device prices in the campaigns in addition to the invoice. Sometimes, such campaigns can be combined with different campaigns such as bring back the old one to make them more advantageous.
Method #4: Buying a mobile phone in installments by borrowing with promissory note:
Although it may seem like a familiar friend from the old days, the method of borrowing mobile phones and similar electronic devices by borrowing is quite common. For people who do not use credit cards or do not work with banks It is also an ideal borrowing system. You sign the bills and pay the determined amount each month.
The number of installments determined by the BRSA, It is also valid during borrowing with promissory notes. However, it is a method that can be used for those who do not have a credit score or do not want to work with banks. The maturity difference added in promissory notes sales can sometimes be quite high. For this reason, do not get into the business of promissory notes without doing a good research.
Method #5: Buying a mobile phone in installments using a commercial credit card:
It is not possible for individuals to purchase a mobile phone in installments with a credit card, but it is still possible to purchase a mobile phone in installments with commercial credit cards. Business credit cards, as the name suggests, are cards issued for companies. Using these credit cards You can buy a mobile phone in 12 monthly installments. It is even possible for you to deduct taxes by showing it as an expense, but it is still useful to consult an accountant.
Things to consider when buying a mobile phone in installments:
Since it is not possible to purchase a phone in installments with a credit card, the sellers offer methods of buying a phone in installments, as we explained above. Not all sellers are in good faith. Especially when you buy a phone in installments by borrowing with promissory notes, you can sometimes witness that another phone price is added. Please be careful.
Even if it is not so obvious, it is also known that quite high differences are received in some invoice supplement campaigns. A similar situation applies when taking a loan. So these well-meaning methods There will always be those who try to abuse it. For this reason, let’s say don’t do this kind of shopping without doing a good research and examining the campaigns of different sellers. We know it’s hard, but unfortunately, try not to get into such big debts with the enthusiasm of using the newest phone.
We answered the question of how to buy a mobile phone in installments and We talked about the methods of buying mobile phones in installments. Note that each seller can create their own campaigns and offer different prices. You can share your thoughts on buying a phone in installments in the comments.