Cách mua hàng trả góp Shopee lãi suất 0% đơn giản, nhanh chóng

Source: Cách mua hàng trả góp Shopee lãi suất 0% đơn giản, nhanh chóng

The form of installment purchase is increasingly being applied by many e-commerce sites in Vietnam. Since October 17, 2018Shopee Vietnam has also applied the installment purchase program with 0% interest rate. You can buy installment phones online, buy cars on installments, buy laptops on installments and much more on Shopee. Condition is Your order must be over 3 million and you must have a credit card of banks associated with Shopee. In this article, I will explain in detail and guide you to buy Shopee installments successfully.

Buy Shopee Installments with 0% Interest

1. Conditions for buying installments on Shopee

All customers with an account on Shopee can join the 0% interest installment purchase program. Just satisfy the following conditions:

• The product you buy is in the Shopee Mall booth and is worth from 3 million VND. This price is calculated as the final price of the product after applying discount promotions (if any). This is the price of one product, because each installment order can only buy 1 product. However, you can buy many different installment orders.

• The product must have a logo “0% installment payment” New Shopee installment purchase program is applied.

• Applies to VISA or MasterCard credit card holders. The list of banks includes: CitiBank, Sacombank, HSBC, Standard Chatererd, Shinhan Bank, TPBank.

• Among the above banks, Citibank can only pay in installments for a period of 6 months. The remaining banks you can choose from 3, 6, 9, or 12 months.

2. Compare Shopee installment purchases compared to outside stores

Currently, outside stores or electronics centers also have installment loans. Installment forms can have interest or 0% interest depending on the case. However, if you are not careful, you are very likely to fall into the traps of the credit houses.

Here are a few differences when you buy goods in installments on Shopee compared to an external store:

• If you buy at a store, you have to go to the store to make documents and procedures for installment loans. As for buying installments on Shopee, you just need to sit at home and perform a few simple steps and you’re done.

• Buy in installments at the store even though they say it is 0% interest, but you have to pay extra for the financial insurance policy. This amount can be up to several hundred thousand dong.

• As for buying Shopee installments, you do not lose interest and do not have to pay any other money.

• Buy 0% installment outside many cases you have to pay 1 amount in advance. However, if you buy goods in installments on Shopee, you do not need to pay in advance.

• If you buy in installments at the store, you have to go to that store to pay the money in the next month. If you buy at Shopee, you just need to stay at home and pay your credit card by the end of the month.

• However, to buy installments on Shopee, you must have a credit card. This is also a barrier of some of you when you want to buy Shopee installments.

3. Step-by-step instructions for buying installments on Shopee

Below I will guide you through the actual steps to buy a phone on Shopee in installments:

Step 1: Log in to your account.

You open the Shopee application on your phone or visit the website https://shopee.vn/. Then log in your Shopee account into the system.

Instructions on steps to buy Shopee 0% interest installment payment

Step 2: Select the product you want to buy in installments on Shopee.

Products that can be purchased in installments must belong to Shopee Mall booth. Has a final payment value of 3 million VND or more after applying discounts and promotions (if any), and must have a label “0% installment payment”.

Here I choose the product is the Smart TV 4K SAMSUNG 43 Inch UA43NU7100KXXV priced at 10,230,000 VND.

Guide to buy Shopee 0% interest installment payment

Note: Products must meet all 3 conditions above to be able to buy in installments. I say this because there will be a special case.

For example, your product initially satisfies all three of those conditions. But you have a discount code for that product. When entering the discount code, the price of the product drops below 3 million VND. At this time, that order will not be applicable for installment purchase on Shopee.

After you have selected a product, click Add to cart or press Buy now.

Step 3: Go to cart to pay.

You select the cart icon on the application or on the web. If your shopping cart has many products, then only choose 1 product you want to buy in installments. Because Shopee only applies installment payment for 1 product in 1 order.

Guide to buy Shopee 0% interest installment payment

Then you enter the discount code for the product (if any) or use shopee coin. After entering the discount code (if any), it is required that the remaining order value of your order must be over 3 million to continue buying in installments.

Here I do not have a discount code, but I will use Shopee’s free shipping code to support freeship up to 40K.

Guide to buy Shopee 0% interest installment payment

Continue you press Purchase.

Step 4: Choose a credit card installment payment method.

In the payment method section, click Change > choose Installment by Credit Card.

Shopee installment purchase guide

Guide to buy Shopee 0% interest installment payment

Then you choose installment plan > More installment plans > Choose Bank that you have a card and choose installment term.

Here I use HSBC credit card and choose the installment term within 9 months. According to the system, I have to pay 1,182,000 VND per month. This is because the shipping fee of this TV is also included in the installment amount. So the installment interest here is definitely 0%.

Guide to buy Shopee 0% interest installment payment

Here you will see the amount to be paid each month corresponding to the installment period you choose. You just try to take out the calculator to try and see if it is correct or not to lose interest.

When you have selected your bank and installment period, click Next to continue.

Step 5: Enter your installment credit card information

You enter information related to your credit card such as cardholder’s name, card number, expiration date, CVV number, card opening place…

Guide to buy Shopee 0% interest installment payment

Step 6: Place your order

After filling in all the information related to the credit card, you check the information related to the order again. Then click select Order and end Shopee’s installment purchase process.

Guide to buy Shopee 0% interest installment payment

NOTE: Once you have received your product, you access your account and click on the confirmation box “Item received”, the system will automatically convert your transaction to installment payment.

For CitiBank credit cards, you must call the bank for assistance in converting the form of installment payment.

See more: Instructions for returning goods on Shopee

4. Some related issues when buying installments on Shopee

Does Shopee installment purchase require age or proof of income?

Installment purchase procedure on Shopee only requires you to have a credit card of one of the banks associated with Shopee. So you don’t need to prove your income or need to be of age.

In fact, in order to get a credit card, you must also meet the two requirements above.

How many installment products can one person buy?

Each person can buy many products in installments on Shopee. As long as your installment amount does not exceed your credit card payment limit. And you have to buy in many different orders. Because Shopee only supports buying 1 product in installments for 1 order.

Is it possible to cancel an order after registering for Shopee’s installment purchase?

In many cases, after placing an order, people change their mind not to buy again. If your order has not been packaged and sent by the seller to the shipping company, you can still cancel it. Whether you choose installment payment or any other form of payment.

In the remaining cases, you cannot cancel or return the goods when buying in installments. Except in case the product is defective due to Shopee only.

See more: Instructions on how to cancel orders on Shopee successfully

When placing an order, I forgot to choose the installment method, can it be applied in installments later?

Shopee only supports installment payments when you choose this payment method when placing an order. If you then choose another form of payment, you will not be supported with additional installment registration.

However, if you accidentally choose the wrong payment method, please quickly cancel that order to re-order immediately.

How much % of the order value is the installment amount?

Because Shopee does not allow you to pay part of the amount in advance, you must pay 100% of the order value in installments.

The order value here includes the product cost and shipping fee (if any). It’s all included in your monthly installment. When you receive the goods, you will not have to pay any other money.

How much interest do I have to pay when buying in installments on Shopee?

Installment purchase program on Shopee with 0% interest rate. So you only have to pay the exact amount of the order you ordered. Do not lose 1 cent interest at all.

For example, you buy a phone in installments for 12 million. If you choose the installment period of 12 months, you will only pay 1 million per month.

How long is the installment payment term on Shopee?

Depending on the affiliated bank, there are different installment terms.

If you buy Shopee in installments with a Citibank credit card, you only have 1 option of a term of 6 months.

If you pay in installments with HSBC, Standard Chartered, Shinhan Bank, Sacombank or TPbank, you have 4 options of installment terms: 3 months, 6 months, 9 months or 12 months.

Is it possible to pay off the installment payment before the due date?

This issue depends on the bank associated with Shopee. Therefore, to pay in installments before the due date, please contact your bank for more details. You may also be charged a fee if you pay in advance.

Below are the contact phone numbers of the banks associated with Shopee:

HSBC Installment: 02837247247 (South) – 02462707707 (North).

Citibank Installment: 0283521111

Standard Chartered Installment: 02839110000 (Southern) – 02436960000 (Northern).

Sacombank Installment: 1900555588 VND

Shinhan Bank Installment: 19001577

TPBank Installment: 1800585885

There are also some frequently asked questions when buying installments on Shopee, you can refer here.

Or if you have any questions about purchasing products on Shopee in installments, you can contact the Shopee call center at 19001221 or send an email to support@shopee.com. Wish you have a happy shopping experience on Shopee!

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