As it is known, with a personal credit card installment phone purchase It was previously stopped and regulations were introduced for those who wanted to buy phones in installments. In this context, users can make payments even if not with a personal credit card. “shopping credit” You can buy a phone in installments. And now A new regulation from BRSA for installment phone sales came. Here are the details…
BRSA Has New Regulation for Installment Phone Sales
BRSA, phone purchases in installments introduced new regulations. As it is known, installment phone purchases cannot be made with individual credit cards, and no changes have been made in this regard in the new regulation. Those who want to buy a phone in installments “shopping credit” You can buy a phone using it, but the number of installments varies depending on the price of the device and the arrangement is made mostly on this issue.
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BRSA According to the rules, the shopping loan previously used for phones up to 12 thousand TL could be repaid in terms of up to 12 months. For phones over 12 thousand TL, there were 3 repayment terms. According to the new decision of the Banking Regulation and Supervision Board, the phone price limit has been increased to 20 thousand TL. for 20 thousand TL Phones up to 12 months can be repaid in terms of up to 12 months; For those over 20 thousand TL, 3 installments are offered.
refurbished phones The installment limitation applied for the payment has also been changed. Refurbished phones without the need for shopping credit personal credit card Phones could be purchased with and this situation was not changed in the new regulation. With the new regulation, phones under 25 thousand TL can be paid in installments up to 12 months. Refurbished phones worth over 25 thousand TL There is only 3 installment options available.
Maturity Limits for 2024 Phone Purchases in Installments
While new phones cannot be purchased in installments with a personal credit card, the situation changes for refurbished phones and they can be purchased in installments. This application has been made to support the refurbished phone market.
To summarize briefly; Purchase of new phones in installments can only be done with shopping credit. In this context New phones up to 20 thousand TL It can be purchased with maturities of up to 12 months. Brand new phones over 20 thousand TL It can be paid in installments up to 3 months.
Refurbished phones can be purchased in installments with a personal credit card. In this context, those up to 25 thousand TL Up to 12 months maturity It can be purchased with; Refurbished phones over 25 thousand TL 3 monthly installments It can be purchased with possibilities.