폰테크란?
폰테크의 사전적 의미는 휴대폰 + 재테크를 합친 신조어입니다. 이동통신사와 제조사의 과도한 보조금으로 낮은 가격으로 휴대폰을 산 다음에 의무 사용기간을 마친 후 되팔아 차익을 챙기는 신종 재태크 입니다. 폰테크의 사전적의미는 제테크에 가깝지만 현실은 그렇지 못합니다. 폰테크는 휴대폰 내구제 대출과 같은 의미입니다. 폰테크란? 보증보험사에서 제공하는 600만원 6회선 할부한도 안에서 휴대폰 개통을 하여 유심을 제외한 공기기를 판매하여 현금화하는 방식 입니다. 이때 현금액은 중고폰 매입가로 감가가 존재합니다.테크모바일 블로그를 방문하시고 더많은 정보를 확인하세요.
폰테크 이용하시는 이유
폰테크를 이용하시는 이유는 다음과 같습니다. 첫번째로, 현금이 필요한 상황인데, 신용 또는 기대출로 대출이 부결나신 경우 입니다. 요즘같은 고금리시대에는 대출심사가 엄격하고, 규제도 많아 대출을 받기가 어렵습니다. 폰테크는 대출이 아니기 때문에 보증보험이 제공하는 600한도내에서 기기를 개통하여 현금화 하실수 있습니다. 두번째로, 고객님들께서 대출을 받고싶지 않으시거나, 기록이 남는것을 원하시지 않는 경우입니다. 폰테크는 대출이 아닙니다. 휴대폰 개통을 하여 재판매하는 방식이기 때문에 중고폰 판매와 비슷한 개념이라 보시면 됩니다. 폰테크를 이용하셔도, 신용이 떨어지거나, 연체가 생겨도 추심이 들어오지 않는 시스템이기 때문에 많은 고객님들께서 폰테크를 이용하십니다. 세번째로, 당일 급하게 현금을 쓰셔야 할 때 입니다. 대출은 신용조회 및 소득증명 서류를 구비해야 하고 이는 짧게는 이틀부터 일주일까지 소요가 됩니다. 하지만 폰테크는 조회부터 개통 입금까지 당일날 마무리 되기 때문에 많은 고객님들께서 폰테크를 사용하시는 이유라 볼 수 있습니다.
폰테크 이용하시는 고객
폰테크를 이용하시는 고객님들은, 다음과 같습니다. 첫째로 만 20살이상이시면서 소득증명이 안되시는분들입니다. 대출은 반드시 소득증명이 되어야 되기 때문에, 소득증명 안되는 학생, 주부, 일용직 근로자분들께서 대출을 원하실때 찾는 방법 입니다. 주로 대부업체를 통해서 진행하시지만, 대부업체는 매입가를 터무니 없게 낮게주거나 유심으로 문제를 일으키기 때문에 테크모바일 같은 통신종사자가 운영하는 폰테크 업체에서 진행합니다. 둘째로, 기대출이 많으신 고객님들입니다. 폰테크를 이용하시는 고객님은, 대출을 원하시는데 기대출이 많아 진행을 못하시는 경우 입니다. 폰테크는 대출이 아니기 때문에 기대출이 많아 추가대출이 어려운 고객님들께서 진행하시는 경우가 많습니다. 셋째로, 당일 급전을 만드셔야 하는 경우입니다. 대출을 심사부터 입금까지 소요되는 시간이 최소 이틀입니다. 그렇기 때문에 당일 급전을 사용하셔야 하는 고객님들께서는 입금부터 매입까지 당일날 처리되는 폰테크를 사용하십니다. 이는 테크모바일에서 약속드리는 당일개통 당일 매입지급방식입니다.
상담문의
폰테크 내용과 관련하여 궁금하신 사항은 테크모바일 홈페이지, 카카오톡 혹은 010-2049-3437으로 문의 주시면 친절하게 상담해드리겠습니다. 더 많은 폰테크 서비스 지식이 궁금하다면 블로그를 참고해주세요. 감사합니다.
47 Comments
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