对分期付款和一次性付款二种付款方式的比较

随着人们生活水平的不断提高,象购房、买车等一些大宗商品的购买已逐渐进入百姓家庭。消费者根据家庭收入水平、现有存款额、可获得贷款额度及向亲友借款额度等一些资金来源因素应该正确估计自己的实际购买能力及支付方式,鉴于分期付款和一次性付款方式的差异性及给消费者心理带来的不同反应,文章对这两种付款方式进行了充分地比较,意在给消费者正确消费提供一些合理化的建议。

Comparing the payment by installments with payment by onetime

With the living conditions of people improved,some civilian families can afford some staples such as houses,cars.According to the income,the savings,the granted loan and the borrowed money,consumers should estimate the purchase ability and the payment manners reasonably.This paper compares the two payment manners completely in order to raise some reasonable advices to the consumers for the reason that the difference between the payment by installments and the payment by onetime brings the different effect to the different consumers.