Recently, Zhang Jie, a consumer in Beijing, told reporters that he had encountered the trap of "renting **" for mobile phones. It turned out that Zhang Jie bought an Apple 14Plus (256GB) mobile phone on a leasing platform, and rented ** in installments of 12 months, with a repayment of 492 yuan per installment, and 7 installments have been repaid. Due to personal negligence, he failed to repay the loan on time last month, and has now been forced to buy out, with a buyout amount of 7,101 yuan. The 7 installments of rent paid plus the buyout amount, the total amount amounted to 10,545 yuan, "this ** has greatly exceeded the ** of this mobile phone on the market." Zhang Jie said.
Mobile phone "rent**" is an emerging leasing model in recent years. According to the platform, this model not only enables consumers to own a mobile phone faster, but is also more attractive than a one-time purchase. Users only need to pay a small monthly fee to own the most ** or higher-end mobile phone. Users can also purchase a phone at the end of the rental period without having to pay a one-time high purchase fee.
Although many people have the mentality of renting for a short period of one or two months, in fact, most platforms default to a lease period of one year or more, and cannot be terminated in advance. If it is overdue, it will be bought out, and if it is not paid, it will face the risk of being sued. These interlocking routines have made many young people fall into it.
Gao Xiang, a Beijing citizen who is keen on new digital products, told reporters that "renting" is not cost-effective. "Taking the Apple 15Pro (256G) mobile phone as an example, the total rent returned after renting for one year on the Renren Rental platform is 709195 yuan, and the market of the mobile phone is 8999 yuan, that is to say, renting for a year is to buy a new one!The reporter learned that if the mobile phone chooses to rent 12 installments on the Renren rental platform, the total rent is 11,688 yuan, which has exceeded the market by nearly 30%.
What is even more disadvantageous to consumers is that when the lease period of the mobile phone expires, if it is determined by the platform to be damaged or excessively damaged, the platform will require the consumer to buy out the mobile phone. In addition, the reporter searched on the Sina Black Cat complaint platform with "renting a mobile phone" as a keyword, and found that there were nearly 30,000 complaints, involving a lease increase for a period of time, not lifting the regulatory lock after the buyout, the buyout ** is much higher than the market price, violent collection, etc.
Recently, some local courts have also issued documents reminding consumers that many mobile phone rental platforms use "low monthly rent" as a gimmick to attract consumers to "lease mobile phones" in installments, and automatically "resell from rent" after the rent is overdue.
In this regard, Chen Zhongyun, a professor at China University of Political Science and Law, believes that the leasing platform has the obligation to accurately and completely inform consumers of the details of the "rent-to-rent" model, and cannot hide some standard terms, so as to protect consumers' full right to know and choose. For the case of overdue lease, the original lease should not be immediately forcibly converted into sale, and consumers should be given a certain buffer period, and at the same time, it should be fair and reasonable. He also suggested that young consumers should establish the concept of living within their means, and carefully choose Zhang Jie as a pseudonym in the article
Editor in charge: Cheng Xuehan.