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[av_heading heading=’Buy Now, Pay Later-先买后付服务利弊分析’ tag=’h1′ style=’blockquote modern-quote modern-centered’ subheading_active=’subheading_below’ show_icon=” icon=’ue800′ font=” size=’6vw’ av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” subheading_size=’20’ av-medium-font-size=” av-small-font-size=” av-mini-font-size=” icon_size=” av-medium-font-size-1=” av-small-font-size-1=” av-mini-font-size-1=” color=’custom-color-heading’ custom_font=’#000000′ icon_color=” margin=’0′ margin_sync=’true’ padding=’0′ icon_padding=’10’ link=’manually,http://’ link_target=” id=” custom_class=” template_class=” av_uid=’av-kmlqftal’ sc_version=’1.0′ admin_preview_bg=’rgb(34, 34, 34)’][/av_heading]

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近年来,对消费者来说,最大的变化之一就是向“先买后付”的转变。

在过去的几年中,大多数人用信用卡购物,而在此之前,人们多是用存款付账。在过去的五年中,情况发生了巨大变化,现在,我们看到越来越多的澳大利亚人开始使用先买后付的服务。

在您准备使用先买后付服务之前,有必要先问问自己这是否是一个好主意,特别是在您想申请贷款的情况下。

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[av_heading heading=’优点’ tag=’h1′ style=” subheading_active=” show_icon=” icon=’ue800′ font=” size=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” subheading_size=’15’ av-medium-font-size=” av-small-font-size=” av-mini-font-size=” icon_size=” av-medium-font-size-1=” av-small-font-size-1=” av-mini-font-size-1=” color=” custom_font=” icon_color=” margin=” margin_sync=’true’ padding=’10’ icon_padding=’10’ link=’manually,http://’ link_target=” id=” custom_class=” template_class=” av_uid=’av-kmlqgba8′ sc_version=’1.0′ admin_preview_bg=”][/av_heading]

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使用先买后付费服务的大部分人是千禧一代。许多人是伴随着这种付款方式成长起来的,并且大多数人都喜欢快速、便捷地获得商品。

另一个大优点是获得这些服务的速度很快。与信用卡不同,信用卡需要进行许多信用检查,而且申请过程很长。

另一个吸引人的功能是提供先买后付服务的公司不收取利息,而信用卡则会产生高额利息,这使其吸引力大大降低。

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先买后付服务的机制是通过分期付款还清您的购物费用。通常只在您未按期付款时这些服务提供商才收取费用,但是有证据表明,这些滞纳金构成了其很大一部分利润。

这些公司也不允许您自行选择还款的时间安排。这意味着您的下一笔薪水可能无法赶上您需要还款的时间。如果您不小心的话,就可能会导致您错过还款的时间。

先买后付服务对您的财务管理而言不够清晰的地方之一就是如果您有使用此类产品的历史,贷款机构将如何评估您的贷款申请。

一般来说,先买后付服务不会影响您的信用记录,但是可以明确的是贷款机构会密切关注您的银行账单。如果您长期以来都没有很好地管理自己的资金,并且使用了多种形式的信用借贷且没有还款,这将是一个危险信号。

同样,一些贷款机构甚至可能以信贷额度评估您欠这些公司的钱,这会影响您的借贷能力。

贷款机构将要考虑的其他关键点之一是,您是否能够有任何真正的储蓄。这意味着要有长期存款或还款的记录。对于贷款机构而言,这表明您是一个能够很好地管理资金的人,因此您很有可能还清他们借给您的钱。

考虑减少支出、降低信用卡额度并停止先买后付服务,开始在储蓄账户内存钱,这都能使您在想购买住房时获批贷款的几率大大提高。

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免责声明:本文所涉及的事实信息仅供参考,信息不能用于购买投资相关产品及服务、金融产品或替代专业会计、税务、法律或其他专业咨询者提供的咨询意见。在作出决定或采取行动前,您应咨询海嘉会计师事务所专业金融或税务服务人士。尽管我们尽力保证信息来源可靠性以及编译的准确性,但海嘉会计师事务所不对任何信息出现差错或遗漏,以及因使用该信息而获得的结果承担法律责任。

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