▎先享受後付款？應衡量自身還款能力 A:麗莎，你最近不是有說想要換新手機嗎？ B:對，我只要再2到3個月，就存到足夠的錢了！ A:我朋友說，可以用無卡分期，先拿到手機，之後再每個月慢慢繳錢就可以了。 B:有這麼好的事情，會不會有甚麼風險呢？ 無卡分期實際上是一種融資商品，消費者可以先拿到商品，後續依據契約分期支付款項。簽約前，應留意契約中關於分期利率、期數、每期應繳金額以及滯納金規定是否清楚透明以免遭到詐騙。 當然也要衡量自身的還款能力，避免掉進過度消費的陷阱。 英文版 ▎Beware “buy now, pay later” offers Weigh up your ability to make the repayments A:Lisa, didn’t you recently say you wanted to buy a new cellphone? B:That’s right. Another two or three months and I will have saved enough money. A:My friend told me he heard about a “buy now, pay later” offer, which allows you to get the phone first and pay it off through monthly installments. B:That sounds too good to be true, is there any risk involved? “Buy now, pay later” is a type of financing commodity. Consumers first receive the item they want, but are then required to make regular installment payments based on the terms of a contract.Before signing a contract, pay close attention to those parts that detail installment interest rate, number of installment periods, how much is paid each installment, late payment penalties and whether related regulations are clear and transparent, to ensure you do not fall victim to a scam. Individuals should also assess their ability to make the repayments as stipulated and avoid falling into the trap of over spending. 印尼文版 ▎Nikmati dulu baru bayar? Harus mengukur kemampuan pembayaran diri Anda A:Lisa, bukannya kamu bilang ingin ganti HP dalam waktu dekat ini? B:Iya, hanya tinggal 2 – 3 bulan lagi uang simpanan saya sudah mencukupi! A:Teman saya bilang, bisa cicil tanpa kartu kredit, mendapatkan HP terlebih dulu, baru kemudian membayar uang cicilan setiap bulan. B:Bisa sebaik itu, apakah ada risikonya? Cicilan tanpa kartu kredit sebenarnya adalah satu jenis produk pembayaran, konsumen dapat terlebih dulu mengambil produk barang, kemudian membayar uang cicilan berdasarkan perjanjian kontrak. Sebelum menandatangani kontrak, harus memerhatikan ketentuan dalam kontrak seperti tingkat bunga cicilan, jumlah cicilan, besaran cicilan yang harus dibayar setiap periode pembayaran dan biaya keterlambatan pembayaran, apakah sudah jelas dan transparan agar tidak tertipu. Tentu juga harus mengukur kemampuan pembayaran diri, agar tidak terjebak dalam konsumsi berlebihan. 越南文版 ▎L?y h?ng tr??c r?i tr? g?p sau? Ph?i t? ??nh gi? b?n th?n c? n?ng l?c tr? n? hay kh?ng A:Lisa, c? ph?i g?n ??y b?n mu?n mua ?i?n tho?i di ??ng m?i kh?ng? B:??ng, nh?ng ph?i 2, 3 th?ng n?a t?i m?i ?? d?nh ?? ti?n! A:B?n t?i n?i, c? th? mua tr? g?p, l?y ?i?n tho?i tr??c, r?i sau ?? m?i th?ng tr? t? t? l? ???c. B:Sao m? t?t th?, li?u c? r?i ro g? kh?ng? Mua h?ng tr? g?p theo k? th?t ra l? m?t g?i s?n ph?m cho vay t?i ch?nh, ng??i ti?u d?ng c? th? l?y h?ng tr??c, r?i t? t? thanh to?n theo k? nh? th?a thu?n trong h?p ??ng. Tr??c khi k? k?t h?p ??ng, c?n ph?i l?u ? v?n ?? l?i su?t m?i k?, s? k? thanh to?n, s? ti?n m?i k? c?n ph?i tr? v? quy ??nh v? kho?n ph?t n?u tr? ch?m h?n s? ng?y, c? ???c n?u r? r?ng trong h?p ??ng hay kh?ng, ?? tr?nh b? l?a. 泰文版 ▎??????????????????? ????????????????????????????????????????? A:??????? ???????????????????????????????????????????????? B:??? ?????? 2-3 ????? ????????????????????????! A:??????????????? ?????????????????????????????????????????????????????? ???????????????????????? B:???????????????? ???????????????????????? ??????????????????????????????????????????????? ??????????????????????????????????????? ????????????????????????????????????????????????????? ??????????????????????????????????????????????????????????????????? ???????????????? ????????????????????????????????????????????????????? ??????????????????????????? ???????????????????????????????????????????????????????????????????????????????????????????????