“另类”分期商城调查：13999元手机溢价超70%，前三期需还款2.1万元

Group 1 - The core issue revolves around the high premium charged by the Jin Yu Man Tang installment platform, with a specific example showing a smartphone priced at 23,999 yuan on the app, while the official price is only 13,999 yuan, resulting in a premium of 71.43% [1][2] - The repayment plan for the purchase spans approximately six months, divided into eight installments, with the first three payments totaling 21,119.12 yuan, which constitutes 88% of the total bill [2] - Multiple consumer complaints have been reported on the Black Cat Complaints platform regarding high signing fees charged by Jin Yu Man Tang, with one user noting a purchase price of 13,899 yuan for a phone that retails for 8,000 yuan, in addition to a signing fee of 496.97 yuan [2]