Sering Belanja Online? Hati-hati Terjebak Cicilan 0%

Apakah Anda termasuk yang sering berbelanja online? Jika ya, setiap akan melakukan pembayaran produk yang telah Anda inginkan, biasanya terdapat pilihan metode pembayaran dengan berbagai pilihan, seperti bayar penuh atau dicicil.

Seiring dengan kemajuan teknologi saat ini, memang sudah banyak sekali platform atau marketplace yang menyediakan metode pembayaran dengan iming-iming ‘cicilan 0%’ dan dijadikan sebagai daya tarik.

Di samping itu, jenis produk yang ditawarkan pun berbagai macam, mulai dari fashion, elektronik, atau barang kebutuhan lainnya. Ketika melihat promo seperti itu, biasanya kita akan mudah tergiur karena seakan bisa segera memiliki sesuatu dalam waktu yang cepat dan lebih murah.

Jangan Terjebak Cicilan 0%

Cicilan 0% tersebut memang memungkinkan untuk melakukan angsuran dengan mencicil tanpa bunga, atau kerap disebut juga dengan bunga 0%.

Akan tetapi, jangan terlena dulu dengan iming-iming tersebut. Yang saya temukan, ada biaya admin yang diselipkan dan cenderung tidak kita sadari.

Lantas jika dihitung-hitung, biaya admin tersebut ternyata dibuat proporsional dengan durasi cicilannya. Alias, sama saja ada bunganya!

Mari kita lihat simulasi berikut;

Dari gambar tersebut, didapatkan perhitungan berikut ini;

  1. Cicilan 3 bulan: lebih mahal 89.977 (2.5%) dari harga asli, atau sama dengan bunga sebesar 10% per tahun
  2. Cicilan 6 bulan: lebih mahal 125.968 (3.5%) dari harga asli, atau sama dengan bunga sebesar 7% per tahun
  3. Cicilan 12 bulan: lebih mahal 215.944 (6%) dari harga asli, atau sama dengan bunga sebesar 6% per tahun

Tulisannya Sih 0%, tapi Ternyata ..

Saran dari saya, daripada mencicil lewat marketplace langsung, lebih baik memilih untuk bayar penuh. Selanjutnya, bayar memakai kartu kredit yang memiliki fitur cicilan 0% yang real. Terakhir, ajukan konversi setelah pembayaran.

Ada Juga Kartu Kredit yang Menjebak

Meskipun dengan melakukan konversi kartu kredit lebih baik ketimbang mengambil cicilan langsung di marketplace, tapi Anda perlu untuk tetap hati-hati. Karena ternyata, ada juga kartu kredit yang menjebak. Kok bisa?

Mari simak ilustrasi dan penjelasan berikut:

Kesimpulan

Dari penjabaran di atas, maka dapat ditarik beberapa kesimpulan sebagai berikut;

  1. Pastikan untuk lebih teliti dalam menghitung, jangan sampai terkena jebakan iming-iming ‘cicilan 0%’
  2. Jika terpaksa harus mengambil cicilan, bunganya masih cukup terjangkau
  3. Tetap lebih untung mencicil melalui kartu kredit dengan cara konversi pembayaran
  4. Tetap cermat dalam memilih kartu kredit, karena ada juga kartu kredit yang menjebak dengan mengenakan biaya admin pada saat melakukan konversi
Adrian Siaril
Adrian Siaril

The boss

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