Buy gold in installments 0% interest rate is one of the ways to buy gold that many people choose. However, when buying gold with installment payment, you also need to pay attention to the place of purchase. This is to ensure the quality of the gold as well as the price.
To help you learn about the form of buying gold in installments. In the article below, we will learn about the steps to buy gold.
What is Gold Installment?
Installment is a common form of purchase when buying a car, buying a refrigerator, a TV, etc., but did you know that gold can also be purchased on installments?
Buy gold in installments Similar to other payment methods. Buyers only need to pay part of the value of the item being purchased. The remainder will be broken down into several months to be paid. Goods, buyers will have to pay the correct amount of fixed installments as committed. In addition to the principal amount, there will also be an additional amount of interest when buying gold in installments.
For example, you buy 2 gold bars for 10 million, but you only pay 4 million in advance and apply in installments with the remaining 6 million. At this time, that 6 million will be divided according to the term you choose to pay.
Should buy gold installment or not?
Perhaps buying gold in installments is still too strange for many customers. But for the form of buying gold in installments, it sounds strange.
According to my research, this form of installment purchase is not supported by stores. Which are provided by major banks. Credit card customers can buy gold in installments. That amount will be charged to the credit card spend.
When buying gold in installments, the interest rate will be 0%. However, you will need to pay an installment conversion fee instead of interest like other regular installment plans.
So, if the actual amount needs to be paid. The total amount you have to pay in installments is more than the original value of the gold jewelry you intend to buy. So, in my personal opinion, you should not buy gold by installment method.
However, if you want to buy a piece of gold jewelry but still have no economic conditions. Then buying in installments is also a pretty good option.
Where to buy gold with 0% interest installment?
Buying gold in installments is not easy because if we choose the wrong address. At this time, it is easy to buy gold of poor quality but at a high price.
To be able to buy in installments, you need to choose reputable brands. Here will apply better programs and policies to buy gold. And below are some addresses you can refer to.
Buy gold on installment PNJ
PNJ is one of the famous gold and silver jewelry brands today. This brand has a chain of stores across the country with many beautiful designs and affordable prices.
PNJ also supports the program to buy gold on installments with 0% interest rate for a term of 3 to 6 months. Buyers can use credit cards of banks Sacombank, Shinhan Bank, SCB, VIB, BIDV, HSBC, SeABank to buy.
The form of transaction support is to buy online or buy directly at PNJ's stores nationwide.
Buy gold in installments at Bao Tin Minh Chau
Bao Tin Minh Chau is a pretty famous gold brand in Vietnam. The quality of the gold products sold by BTMC is always quality. For that reason, you will not need to worry about the quality and price of gold at this brand.
To buy gold in installments at Bao Tin Minh Chau store chain. Buyers are required to use cards of the following supported banks: BIDV, Citibank, Eximbank, FeCredit, HSBC, Kien Long Bank, Maritime Bank, Nam A bank, OCN, Sacombank, SCB, Seabank, SHB , Shinhan, Standard Chartered, TPB, Vietinbank, VIB, Techcombank, Vietcombank, VPbank
Address:
- 29 Tran Nhan Tong, Hai Ba Trung, Hanoi.
- Telephone 1800 58 58 99.
- Website: btmc.vn
Buy gold in installments Huy Thanh Jewelry
Huy Thanh is also one of the reputable places to buy and sell gold on installments with 0% interest. Currently, this brand has 19 stores in provinces and cities across the country. The advantage of this brand is that the product has a luxurious design, featuring beautiful patterns.
Currently, Huy Thanh is applying the installment purchase program with 0% interest rate. When making a purchase you will need to use a credit card to swipe the card. The amount of gold purchases will be charged to the card's spent credit limit.
Buy gold in installments at Precita
Precita jewelry store is a prestigious address with many beautiful products and jewelry. You can find your favorite jewelry here at an unbeatable price.
But the Precita chain of stores is currently only present in Ho Chi Minh City and Binh Duong areas. In other provinces, this unit does not have stores.
Coming to Precita, you will easily buy and pay with many different methods. Among them is the form of installment purchase with 0% interest rate. Applied with 12-month terms for credit card holders of HSBC, ACB, VIB, Sacombank, Citibank.
Buy gold in installments at Doji
DOJI is a very familiar brand to us already. This is a luxury jewelry brand that is chosen by many famous people. With diverse designs and good quality products will surely bring satisfaction to customers.
You can buy gold in installments at DOJI with a preferential interest rate of 0%. And the form of payment is using credit cards of Vietinbank, Vietcombank, ACB, BIDV, Citibank, hsbc, scb, shb, Techcombank.
What do you need to buy gold in installments?
Most of the units that provide the form of buying gold in installments require the buyer to have a credit card. If you don't have a credit card, you won't be able to buy it.
- The credit card you currently own is linked to the store and supports the installment purchase feature.
- Card limit must be from 3 million VND or more.
- Original ID/CCCD/Passport.
- Purchase confirmation and installment purchase contract.
Some notes when buying gold on installments
However, buying gold on installments is a very fast form of buying and selling. But not the best and long-term option if you want to invest in gold. So before and after buying gold you should note some of the following points.
- Buying gold in installments will have 0% interest. However, you will have to pay an installment conversion fee equal to or higher than the interest rate.
- Only customers with credit cards are allowed to participate in this form.
- Should choose a reputable selling brand to buy quality products, good prices and have many incentives.
- If buying gold for investment, buying in the form of installments is not reasonable, you should think again.
So we went together to find out how buy gold on installment 0% interest. This can be said to be a fairly new form of buying gold that makes many people surprised. When buying gold in this way, you should consider carefully before buying.
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Editor: Giabachomnay24h.com
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