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The installment payment is a tool to adjust the cash flow depending on the usage. There is a situation where you can enter a choice if you need it right now, like work PCs, medical expenses, moving costs, and spending that leads to future income and stability of life.
However, it is dangerous to think that it can be paid if it is 5,000 yen a month. In installment payments are more payable for each product, and the monthly payment amount is more secure for the balance. In order to reduce the pain of payment, the payment of smartphones, home appliances, clothes, travel, and subs will be stacked up like a fixed cost.
In this article, we will organize the difference between installment and revo payment, the way of thinking of handling fees, the burden on 24 payments equivalent to 15% per year, the impact on credit information, the comparison with investment returns, and the purchase of a good split and a dangerous split. The conclusion is simple. The essence of the installment payment is a mechanism to cut down the "freedom of the future" in exchange with "I want now".
First conclusion: the installment payment is not bad, but it is dangerous if it is fixed
The installment payment itself is not bad.
The problem is that it is too easy to use the installment as a tool to make the payment smaller.
If you buy 20,000 yen products at once, consider it. However, if you see "24-time payment of monthly 5,000 yen", you can see it suddenly. The decision changes here.
The flow of the household is broken.
¥20,000 products
↓
5,000 yen per month
↓
Smartphone ¥4,000 per month
Home appliances ¥6,000 per month
¥3,000 per month
8,000 yen per month
↓
More fixed monthly paymentsWhen it comes to this condition, the degree of freedom of the household decreases. Cannot save money. No investment. It is weak to sudden expenses.
It is not "Can I pay?"
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Difference between installment,ボ, and bonus payments
First of all, it is easy to confuse.
| Type | 仕組み | Risk | Notes |
|---|---|---|---|
| Payment | Set the number of payments per item | 中 | More monthly payments per use |
| Revo payment | Pay almost a fixed amount per month for the use balance | High | The balance is not visible and it is easy to complete |
| Bonus Payment | Send payment to bonus month | 中 | Easy to understand when are reduced or not |
| Payment | Pay for the next month | Low | Easy to avoid fees if you can manage expenses |
Even for young people in the Ministry of Justice, you can choose one-time payment, installment payment, and revo payment by credit card, while the amount of payment per installment and revo payment is reduced, but the amount of payment is increased with the fee.
The difference between installment and revo payment is quite useful.
In installment payment, "How many times do I pay for each shop?" is determined. If you pay the 100,000 yen item for 10 times, the payment of the item will be completed in 10 times.
Revo payment is a method to determine the monthly payment amount for the entire use balance. If you pay 10,000 yen each month, you will not be able to reduce your balance by repeating new shopping. It is easy to say that the revo payment is "jade" because it is difficult to see the balance and commission while the amount of payment seems constant.
Figure: Dangerous things are “the monthly look small”
Why people use too much installment payments
This is not a story of interest rate, but rather a story of。.
In Behavior Economics, the discomfort that you feel at the time of payment may be called "pain of payment". Prelec and Loewenstein’s recent accounting research discusses how payments and consumption are strongly connected like cash payments, and the differences in how payments are delayed and pain is weakened as a credit card.
It should be easy to understand as a real feeling.
| Payment Method | Payment Pain | icult behavior |
|---|---|---|
| Cash | Strong | Getting lost before buying |
| Card Bulk | 中 | Lightly visible to the next month billing |
| Payment | weak | Easy to buy only monthly |
| Revo payment | More | It is difficult to notice the weight of the balance |
The real danger of installment payments is not only interest rates.
It is a par of the judgment force.
A person takes a brake to the total of 20,000 yen. However, the brake becomes weaker in the monthly 5,000 yen. In addition, it will be a fixed cost of the household unit if the 5,000 yen per month is 5 or 6 bottles.
The cost of buying time
In other words, the payment fee is " to not pay in full now".
I bought time.
This idea is not bad. If you buy a work PC now, your income will increase. If you pay medical expenses first, your life will be stable. If you pay for moving expenses, it will lead to change jobs and commuting improvement. There is a meaning to buy time for these end res.
However, if you split your food, brand, game billing, travel, and daily necessities, the story is different. The fun of consumption is coming ahead and only the payment remains in the future.
The household weights here.
What happens if you pay 50,000 yen 24 times a year
Number
This is a simple simulation that can be used 24 times a year. It does not match perfectly with the calculation method for each card company, but it is enough to grab a burden.
| 項目 | Price |
|---|---|
| Purchase amount | 150,000 yen |
| Expected Year | 15% |
| Number of payments | 24 times |
| Monthly payment guide | Approx. 7,273 yen |
| Total Payment | Approx. 174,552 yen |
| Fees | about 24,552 yen |
Even if you are going to buy a 50,000 yen product, it is practically 17. It will be 50,000 yen shopping.
- How to see 45 million yen?
It is a work tool, there is a scene that can be acceptable if income increases. However, if you are satisfied at the moment you buy it, it will be the future of yourself 2. Just fixed the burden of 40,000 yen.
Compared to investment returns, you can see the cost of abilities
The number equivalent to 15% of the year of installment payment is quite heavy compared to the investment return.
Even with long-term stock investments, it is not easy to make 15% stable annually. The number of new NAs are increasing, but it is more再現roducible to avoid the annual 15%債abilities rather than aiming for 15% on investment.
It’s pretty good.
In the early stages of asset formation, the “power to increase” will work.
Reduces the monthly 100,000 yen split/ribo fee before investing 10,000 yen per month. This is a local taste, but it is a recent improvement. Don’t lose at the debt cost of households before winning investments.
Buyable splits, dangerous splits
If you use the installment payment, it is divided by the nature of the性質enditure.
Split by OK
| 支出 | Reason |
|---|---|
| Work PC | Can lead to income and work efficiency |
| Medical | It is worth prioritizing the stability and health of life |
| Moving costs | It may lead to commuting, changing jobs, and rent improvement |
| Fees | Self-investment that can be recovered |
| Home Appliances | There is a need for daily life and it may be impossible to send in case of failure |
NG Split
| 支出 | Reason |
|---|---|
| Food | Only pay without consumption |
| Brands | It is easy to get fixed expenses when used with a view |
| Soshage | No additional charges |
| Travel | Remember, but only repayment lasts long |
| Home | Signs that the household is deficit when splitting daily spend |
Judgment standard is simple.
Is the payment effective for future income, health and life stability?
If it is not effective, you can not buy anything at once. It is a pretty cold rule, but it is strong to protect the household.
Impact on Credit Information
The payment itself is not just a bad credit information.
The problem is delayed.
CIC is a designated credit information agency based on the Installment Sales Act, and has a role to handle the payment status of inclusive credits and whether the payment is delayed. If you use installment or revo payment, it is important to pay on the due date.
If the delay is followed, it may be場面ous in the following situations:
- Credit Card
- Increase card usage
- Smartphone Split Purchase
- Automotive Loans
- Home
- For Rent
It is better not to see it lightly because it is a thousand yen. Credit information is the future of choice.
How many installments are used
I can't say "Safety for many times".
However, the following criteria are practical for beginners:
| Time | 見方 |
|---|---|
| 2 times | There are many cards with no fees, and it is relatively easy to manage. |
| Exp s required | |
| Careful for 1 year | |
| More than 24 times | 寿命 product life, life change, and fees |
| Revo payment | In principle avoid. Monthly check of balance and expiration date if used |
In particular, we would like to avoid the longer payment period than the product’s lifetime. If you pay 24 times for clothes and travel, you will only pay after the fun is over.
Checklist before using installment payment
Please check the minimum before purchasing.
- How much does it cost?
- How much does it cost?
- What is the real rate?
- How long does the payment last?
- How many existing installments are available
- How much does the monthly fixed payment total?
- Is it possible to repayment in the middle?
- Do you understand the impact of postponement?
- Priority投資end res than investments and savings
The recommendation is to see the total amount rather than monthly.
The total payment amount is 20,000 yen, 20,000 yen, 24 months. The decision of whether to buy or not is quite changed just by rewriting.
How to deal with suffering
The first thing to do is to stop a new install if you already have a heavy installment or revo payment.
Next, organize the following order:
| Order | Home |
|---|---|
| 1 | Check the balance, fees, and completion schedule of the card statement |
| 2 | If you have a revo payment, consider repayment and repayment |
| 3 | Prioritize and reduce from high interest rate payments |
| 4 | Lowers fixed costs such as subscr s, communication costs and insurance |
| 5 | Consultation with a card company or a specialized window before postponement |
The Financial Services Agency also alerts sweet words such as "cash now" and "cash easily". If you’re suffering from repayment, you’ll get to another high- funding and you’ll get worse.
Don't leave if you want to leave. This is the best.
Summary: Installment payment is a mechanism to sharpen "free of the future"
It is a tool to buy time if you use it well.
There is a reasonable situation if you spend money that leads to future income and life stability, such as work PC, medical expenses, moving costs.
However, it is also a mechanism that prioritizes "I want now" and scrapes "free of the future".
The problem is not paid.
Do you lose other options for the future?
If you are looking for asset formation by investing, it is the power to control fixed costs and debt costs rather than the ability to increase significantly. Even if you aim to invest a投資 year, you will be suffering from the whole household.
The value of the person's money will appear in the way of contact with the payment.
See the total amount instead of monthly. See fees. See the full date. Leave the freedom of the future.
Only these 4 items will be used as a tool to use only when needed.