I bought a graphics card to purchase more mining machines, but I was a bit hesitant to buy it with a lump sum payment because the quantity was large, so I tried to use installments.
Samsung Card is usually interest-free for up to six months, but after that it has not been interest-free. Even so, if the installment is 12 months, the monthly repayment burden will be reduced, so I set it to 12 months. I never really thought about how much the installment interest would be, but I thought it would be around 3%.
But I felt something cheap, so I did a search…
Isn’t it that more than half of the Naver intellectuals answered 15% or more… Dudung;; 삼성카드 할부수수료
I wanted to know exactly how much interest I would pay if I used a credit card installment, so I found a way to access the Samsung Card app and check it.
1. First, open the Samsung Card application. 이베이스매뉴얼
2. Click the ‘My’ category
3. Click ‘My’ → ‘Card/Financial Interest Rate’.
4. You can check the interest rate by checking the number of installment months you have used.
In my case, after using 12 months, I checked the interest rate and canceled the product. I thought it would be around 3%, but the interest rate was a whopping 17.5%. Most Samsung Cards are interest-free for up to six months, but after that, it seems to be receiving interest in installments. If you use 12 million won in installments, there is no interest for up to 6 months, but after that, you have to pay 17.5% monthly interest, which is about 175,000 won per month.
If you are thinking of making a long-term credit card installment, we recommend that you pay only interest-free installments. I don’t know what to buy at a low interest rate, but I think that not buying is making money.
Among the ‘Samsung Card Direct Auto’, the card installment product is very beneficial!
Why are you talking about Samsung Card all of a sudden?
I don’t understand how this kind of benefit is possible these days.
I recently used it to buy a car, and I’m posting it because the benefits are so ridiculously good.
(There is no interest in me or private interests such as advertising. I spent my money)
Among the various products of ‘Samsung Card DIRECTAUTO’,
Among the ‘new car installments’ over there, the ‘card installment installment’ product is really ridiculously good.
Of course, there are cases in which it is not possible to consider income etc. among applicants for credit card installment.
If you are
You can apply for the entire vehicle up to 70 million won
(ex) If the price of the vehicle is 50 million won, you can apply for 50 million won without advance payment)
According to the above characteristics,
1. Not caught on loan. -> Card consumption by increasing the special degree with the card special degree concept
2. Both the installment period/interest rate are superior.
In a period of rising interest rates like these days, credit loans start at 3-4% and 2.3% for 60 months. Isn’t the reverse margin scary Samka?
3. There is no prepayment fee. -> This is too advantageous for consumers…
4. The limit is also quite generous.
– As far as I know, up to about 70 million won.
The benefits are so good.
However, you must check the relevant financial products yourself.
These days, waiting for a new car to be released is long, but it seems to be an unconditional benefit.
+ For reference, the ‘Shinhan Card My Car’ service offered almost the same limit and interest rate.
Interest rates are the same, but the limit is slightly lower?
in conclusion,
These days, new car installments are so good that it’s even harder to buy a used car.
In the case of used cars, the needlessly increased market price + financing conditions are still at the lowest 4% level.
The king of new car installments! Samsung Card/Shinhan Card/Lotte Card card installment product (not loan!)
The bottom line is that Samsung Card/Shinhan Card/Lotte Card has a ‘new car card installment’ product, and if it is approved, it is currently the best new car finance product. As I posted before, the most recommended new car installment, Samsung Card
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+ Added in August 2022 – Interest rates have risen tremendously. From 2.3% to 3.9%… ㅠ
Samsung Card Direct Auto Interest Rate
As of August 2022, interest rates have risen significantly. In particular, the interest rate has risen by more than 1.5% to 3.8~3.9% in more than two years ㅠ Source: Samsung Card
* I would like to inform you once again that this post is not for personal gain or for advertising purposes.
You must check the details of the card product yourself.