分期付款 Installment Payments fēnqī fùkuǎn

Dialogues

Dialogues 1

中文

顾客：您好，我想买这个手机，可以分期付款吗？
店员：可以的，先生/女士。我们支持3期、6期、12期分期付款，您想选择哪种？
顾客：12期吧，这样每个月还款压力小一些。
店员：好的，12期分期付款总共需要支付（价格）元，每月还款（价格）元。请问您需要办理信用卡分期还是花呗分期？
顾客：我用花呗分期吧。
店员：好的，请您出示一下您的手机，我帮您办理。
顾客：好的，谢谢。

拼音

Gùkè: Hǎo, wǒ xiǎng mǎi zhège shǒujī, kěyǐ fēnqī fùkuǎn ma?
Diànyuán: Kěyǐ de, xiānsheng/nǚshì. Wǒmen zhīchí 3 qī, 6 qī, 12 qī fēnqī fùkuǎn, nín xiǎng xuǎnzé nǎ zhǒng?
Gùkè: 12 qī ba, zhèyàng měi yuè huánkuǎn yā lì xiǎo yīxiē.
Diànyuán: Hǎo de, 12 qī fēnqī fùkuǎn zǒng gòng xūyào zhīfù (jiàgé) yuán, měi yuè huánkuǎn (jiàgé) yuán. Qǐngwèn nín xūyào bànlǐ xìnyòngkǎ fēnqī háishì huābei fēnqī?
Gùkè: Wǒ yòng huābei fēnqī ba.
Diànyuán: Hǎo de, qǐng nín chūshì yīxià nín de shǒujī, wǒ bāng nín bànlǐ.
Gùkè: Hǎo de, xièxie.

English

Customer: Hello, I'd like to buy this phone. Do you offer installment payments?
Salesperson: Yes, sir/madam. We support 3, 6, and 12-month installments. Which one would you prefer?
Customer: 12 months, please. It'll make the monthly payment easier.
Salesperson: Okay, 12 months installment will cost you a total of (price) yuan, with monthly payment of (price) yuan. Would you like to use credit card installment or Alipay installment?
Customer: I'll use Alipay installment.
Salesperson: Okay, please show me your phone, I'll help you with the procedure.
Customer: Thank you.

Dialogues 2

中文

顾客：您好，我想买这个手机，可以分期付款吗？
店员：可以的，先生/女士。我们支持3期、6期、12期分期付款，您想选择哪种？
顾客：12期吧，这样每个月还款压力小一些。
店员：好的，12期分期付款总共需要支付（价格）元，每月还款（价格）元。请问您需要办理信用卡分期还是花呗分期？
顾客：我用花呗分期吧。
店员：好的，请您出示一下您的手机，我帮您办理。
顾客：好的，谢谢。

English

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Common Phrases

分期付款

fēnqī fùkuǎn

Installment payments

Cultural Background

中文

在中国，分期付款是一种很常见的购物方式，尤其是在购买大件商品时。许多商家都提供分期付款服务，方便消费者减轻一次性付款的压力。

常见的支付方式包括信用卡分期、花呗、白条等。

拼音

zài zhōngguó, fēnqī fùkuǎn shì yī zhǒng hěn chángjiàn de gòuwù fāngshì, yóuqí shì zài gòumǎi dàjiàn shāngpǐn shí. xǔduō shāngjiā dōu tígōng fēnqī fùkuǎn fúwù, fāngbiàn xiāofèizhě jiǎnqīng yīcìxìng fùkuǎn de yā lì.

chángjiàn de zhīfù fāngshì bāokuò xìnyòngkǎ fēnqī, huābei, báitiáo děng.

English

In China, installment payments are a very common way to shop, especially when buying large items. Many merchants offer installment payment services to make it easier for consumers to handle the cost.

Common payment methods include credit card installments, Alipay, and other online payment services.

Advanced Expressions

中文

请问贵店支持哪些银行的信用卡分期付款？

除了信用卡分期，还有哪些其他的分期付款方式？

请问分期付款手续费是多少？

拼音

qǐngwèn guìdiàn zhīchí nǎxiē yínháng de xìnyòngkǎ fēnqī fùkuǎn？

chúle xìnyòngkǎ fēnqī, hái yǒu nǎxiē qítā de fēnqī fùkuǎn fāngshì？

qǐngwèn fēnqī fùkuǎn shǒuxùfèi shì duōshao？

English

Which banks' credit cards do you support for installment payments? Besides credit card installments, what other installment payment methods do you offer? What is the processing fee for installment payments?

Cultural Taboos

中文

在讨价还价时，避免过于强硬或不礼貌。尊重商家的报价，并以平和友好的态度进行沟通。

拼音

zài tǎojiàhuànjià shí, bìmiǎn guòyú qiángyìng huò bù lǐmào. zūnjìng shāngjiā de bàojìà, bìng yǐ pínghé yǒuhǎo de tàidu jìnxíng gōutōng.

English

When bargaining, avoid being too forceful or impolite. Respect the merchant's offer and communicate in a calm and friendly manner.

Key Points

中文

分期付款适合购买价格较高的商品，例如手机、电脑、家电等。顾客需要具备良好的信用记录，才能顺利申请分期付款。不同商家对分期付款的要求和条件可能有所不同，需要提前了解。

拼音

fēnqī fùkuǎn shìhé gòumǎi jiàgé jiào gāo de shāngpǐn, lìrú shǒujī, diànnǎo, jiādiàn děng. gùkè xūyào jùbèi liánghǎo de xìnyòng jìlù, cáinéng shùnlì shēnqǐng fēnqī fùkuǎn. bùtóng shāngjiā duì fēnqī fùkuǎn de yāoqiú hé tiáojiàn kěnéng yǒusuǒ bùtóng, xūyào tiqián liǎojiě.

English

Installment payments are suitable for purchasing relatively expensive items, such as mobile phones, computers, and home appliances. Customers need to have a good credit record to successfully apply for installment payments. Different merchants may have different requirements and conditions for installment payments, which need to be understood in advance.

Practice Tips

中文

多练习不同情境下的对话，例如不同价格的商品，不同的分期方式，以及出现问题时的应对。

可以尝试与朋友或家人进行角色扮演，模拟实际购物场景。

多关注商家的分期付款政策，了解相关的费用和条款。

拼音

duō liànxí bùtóng qíngjìng xià de duìhuà, lìrú bùtóng jiàgé de shāngpǐn, bùtóng de fēnqī fāngshì, yǐjí chūxiàn wèntí shí de yìngduì.

kěyǐ chángshì yǔ péngyou huò jiārén jìnxíng juésè bànyǎn, mónǐ shíjì gòuwù chǎngjǐng.

duō guānzhù shāngjiā de fēnqī fùkuǎn zhèngcè, liǎojiě xiāngguān de fèiyòng hé tiáokuǎn.

English

Practice dialogues in different contexts, such as different price points of products, different installment options, and how to handle problems. Try role-playing with friends or family members to simulate real-life shopping scenarios. Pay close attention to the merchant's installment payment policies and learn about the relevant fees and terms.