僕がなぜ分割払いで買うことに反対したか、説明するね。
フィリピンの分割払いのシステムを僕は知っている。
例えば、バイクの新品価格が60,000peso だったとする。
もちろん一括で買えば、60,000peso で済むのだけれど、
分割で月々3000pesoずつ支払う場合、最終的には合計で約120,000pesoくらいを支払う必要がある。
年利20%以上だ。
これは正しい選択とは言えない。
そして、３ヶ月以上支払いが滞ると、バイクが没収されるということも知っている。
Rating
50
Translation / English
- Posted at 16 Aug 2016 at 19:59
I will explain why I opposed purchasing by installment.
I know the system of payment by installment in the Philippines.
For example, if price of new motor cycle is 60,000 peso, it is 60,000 peso if we purchase by lump sum.
But if we pay by 3,000 peso by monthly installment, we have to pay about 120,000 peso in total finally.
Yearly interest rate is more than 20 percent.
This is not a correct selection.
In addition, if we fail to pay for more than 3 months, the motor cycle will be confiscated.
I know the system of payment by installment in the Philippines.
For example, if price of new motor cycle is 60,000 peso, it is 60,000 peso if we purchase by lump sum.
But if we pay by 3,000 peso by monthly installment, we have to pay about 120,000 peso in total finally.
Yearly interest rate is more than 20 percent.
This is not a correct selection.
In addition, if we fail to pay for more than 3 months, the motor cycle will be confiscated.
Rating
44
Translation / English
- Posted at 16 Aug 2016 at 20:00
I will explain why I had objection against your shopping on an installment plan.
I know very well about the payment by installments in Philippines.
For example, let's suppose that the price of a new motorcycle is 60,000peso.
Not to mention, you should just pay only 60,000peso if you buy it by a one-time payment.
But in case you pay 3000peso every month, it means that you would finally have to pay about 120,000peso in total.
The annual interest is more than 20%.
I never think this is the right choice.
And I also know that your motorcycle would be forfeited if your cannot make your payment for more than three months.
I know very well about the payment by installments in Philippines.
For example, let's suppose that the price of a new motorcycle is 60,000peso.
Not to mention, you should just pay only 60,000peso if you buy it by a one-time payment.
But in case you pay 3000peso every month, it means that you would finally have to pay about 120,000peso in total.
The annual interest is more than 20%.
I never think this is the right choice.
And I also know that your motorcycle would be forfeited if your cannot make your payment for more than three months.
