<p>作者：Genna Contino</p>
<p>想要将租金分两次支付而不是一次性支付吗？细则可能会让 “0% 利息” 变得比听起来更贵。</p>
<p>越来越多的公司提供先买后付的产品，将租金分摊到整个一个月的分期付款中。</p>
<p>每月的第一天是数百万租户的信号，表明租金到期需要全额支付。虽然一些房东会给租户一个短暂的宽限期，以便他们凑够足够的现金，但金融科技公司提供了不同的选择：将租金分摊到整个一个月的分期付款中。</p>
<p>这并不新鲜：近四分之一的先买后付用户表示，他们至少曾使用过分四期付款的贷款——这种贷款类型可以用于购买家具、衣物甚至食品——来支付租金或住房费用，来自 Protect Borrowers、Groundwork Collaborative 和 Data for Progress 的调查数据显示。</p>
<p>但现在，越来越多的公司专门提供将租金分摊的金融产品。</p>
<p>上个月，Affirm（AFRM）宣布与金融科技公司 Esusu 进行试点合作，允许租户将租金分为两次支付，Affirm 提供无息的分四期计划和月度分期付款。其他金融科技公司如 Flex 和 Livble 也提供分期付款计划，让人们在一个月内支付租金。</p>
<p>对于许多正在努力承担住房和基本生活费用的美国人来说，能够帮助他们延长工资的金融产品可能会很有吸引力。疫情期间，租金迅速上涨，尽管这些涨幅已经开始放缓，但根据哈佛大学住房研究联合中心的数据，约一半的租户被认为是负担过重——这意味着他们将超过 30% 的收入用于住房。</p>
<p>但消费者倡导者提醒租户要对租金的先买后付产品保持警惕。虽然这些产品可能不收取传统利息，但许多仍然收取每月的订阅费用，这些费用随着时间的推移可能会显著增加。</p>
<p>阅读更多：以下是可能真正帮助解决美国 2026 年可负担危机的想法</p>
<p>“当支付租金成为一种带有订阅费用的新常态时，那么发生的只是生活成本变得更高了，” 美国消费者联盟金融服务主任亚当·拉斯特（Adam Rust）说。“我们的经济处于由 ‘租金太高公司’ 带来的晚期不稳定状态，融资来自非银行应用。”</p>
<p>它们可能被归类为无利息——但并不是免费的</p>
<p>那么，如果它们宣传 0% 利息，使用租金先买后付产品怎么会如此昂贵呢？</p>
<p>想象一下，一个租户将 2000 美元的租金分为两期支付，并有效地以 30 美元的会员费提前获得 1000 美元。这相当于大约 3% 的预付款金额，持续约两周。当年化计算时——这是贷款人计算借款成本的标准方式——这相当于接近 80% 的利率。如果预付款金额较小，或还款窗口较短，实际利率可能会迅速攀升至 100% 以上，倡导者表示这说明了费用如何迅速累积。</p>
<p>阅读更多：这些应用提供快速现金，但一些用户表示他们陷入了债务。这一漏洞是他们的逃生通道。</p>
<p>在某些情况下，根据 Protect Borrowers 和 Towards Justice 的估计，实际年利率可能超过 180%。</p>
<p>这些非营利组织还警告说，由于租金是一项经常性、非可自由支配的支出，依赖这些产品的借款人如果其收入差距没有改变，可能需要在下个月再次使用它们。随着时间的推移，重复的订阅费用和短期费用可能会在已经高昂的住房成本上叠加，增加租户仅为保持正常支付所需支付的总金额。</p>
<p>“人们仍然没有足够的钱支付租金，但他们有机会永远保持负债，” 专注于打击掠夺性贷款行为的 Protect Borrowers 执行董事迈克·皮尔斯（Mike Pierce）说。“你最终每个月都要支付费用。”</p>
<p>租金先买后付公司对倡导者的计算表示异议，并辩称每月的会员费用在现行贷款法律下并不被视为利息。</p>
<p>阅读更多：美国人刚刚在先买后付上花费了创纪录的 200 亿美元。如果你超支了该怎么办。</p>
<p>“这是一种受监管的信贷产品，因此没有争议这是否是一笔贷款，” Flex 公共事务副总裁瑞安·梅特卡夫（Ryan Metcalf）说。他表示，公司不同意倡导者使用 “有效年利率” 的计算，认为每月的会员费用在法律上并不被定义为利息。“这不是法律的定义。”</p>
<p>梅特卡夫表示，Flex 的数据并不支持声称使用其分两期租金产品的租户被困在持续借款中的说法。平均而言，Flex 客户每年使用该服务 3.7 个月，中位数为三次租金支付。</p>
<p>“如果发生持续的循环借款，我们会预期持续的每月使用和借款人结果的恶化，” 梅特卡夫说。“我们的数据表明情况正好相反。”</p>
<p>Affirm 的租金试点不允许用户在上个月仍有未偿余额的情况下继续借款，该公司表示。</p>
<p>来自档案（2025 年 9 月）：Klarna 上市，越来越多的人表示先买后付是他们唯一能负担得起的购买方式</p>
<p>“这个试点将为符合条件的租户提供一个灵活的选择，可以在两周内以 0% 年利率分两次支付租金，” Affirm 的一位发言人告诉 MarketWatch。“Affirm 对每个申请进行审核，我们只批准我们认为他们能够负责任地偿还的申请，因为 Affirm 从不收取任何逾期或隐藏费用。我们正在认真对待这个用例。”</p>
<p>Livble 没有回应 MarketWatch 的评论请求。</p>
<p>不同的租金先买后付平台提供了什么</p>
<p>并非所有的租后付款应用程序都是一样的。以下是我们对当前市场上几种最受欢迎平台的了解。</p>
<p>Flex</p>
<p>Flex 提供将租金支付分为两部分的选项，月会员费为 14.99 美元，加上总租金金额 1% 的账单支付费。Flex 将账单支付费比作传统租金支付门户通常收取的 1% 到 3.5% 的 ACH 或卡处理费。Flex 的一位发言人回应消费者权益倡导者称，披露的处理费作为利息并未反映其功能目的。</p>
<p>Affirm</p>
<p>Affirm 最近推出了其租后付款试点项目，要求用户成为 Esusu Plus 或 Premium 的会员，月费为 35 美元或 50 美元。Affirm 表示其产品本身的年利率为 0%，且没有逾期或隐藏费用。</p>
<p>Livble</p>
<p>Livble 允许用户将租金支付分为最多四期。该公司网站的细则中提到：“适用 30 到 40 美元的财务费用，具体金额取决于租金提交的日期。” Livble 未对 MarketWatch 的评论请求作出回应。</p>
<p>信用建设福利</p>
<p>一些服务提供租金报告功能，可以帮助一些租户通过向三大信用报告机构报告按时支付的租金来建立或改善信用。</p>
<p>例如，Esusu 将其会员的每月付款发送给所有三家信用局，并可以报告最多两年的过去按时付款，以帮助快速建立信用。Flex 有自动向 TransUnion（TRU）报告付款的选项，以帮助建立用户的按时付款历史——该公司表示不会向信用局报告任何未支付或逾期付款。</p>
<p>申请贷款？首先采取这 5 个聪明的举措来提高你的信用评分——无论你有几周或几个月的时间。</p>
<p>租金报告的影响对信用评分较低的租户似乎最为有利，Urban Institute 的首席研究助理 Daniel Teles 表示，而对于那些已经拥有中等或更高信用评分的人，收益则不太明确。</p>
<p>“如果你的信用评分低于 550，或者低于 500，或者根本没有信用，只要你按时支付租金，租金报告就有明显的好处，” Teles 说。</p>
<p>至于支付租金报告的月费是否值得，Teles 表示这取决于个人。适度提高信用评分可能会降低汽车贷款或信用卡等产品的借款成本，可能节省超过订阅费用。但长期收益——特别是像申请抵押贷款这样的事情——则不太确定，租户需要权衡费用与其特定情况下潜在的利息节省。</p>
<p>加入 “不要低估自己” 直播问答：税季让你感到压力吗？我们来帮你。加入 “不要低估自己” 直播，向 MarketWatch 的 Andrew Keshner 和 Beth Pinsker 提问你的税务问题，时间是 2 月 25 日星期三东部时间下午 1:30。</p>
<p>-Genna Contino</p>
<p>此内容由 MarketWatch 创建，MarketWatch 由道琼斯公司运营。MarketWatch 独立于道琼斯新闻社和《华尔街日报》出版。</p>
<p>（结束）道琼斯新闻社</p>
<p>02-13-26 1618ET</p>

<p>越来越多的金融科技公司正在提供先买后付的产品，以帮助租户将支付分成分期付款。虽然这对那些面临住房成本压力的人具有吸引力，但消费者权益倡导者警告称，隐藏费用可能导致高额的实际利率。例如，针对 2000 美元租金支付的 30 美元会员费可能相当于接近 80% 的年化利率。批评者认为，这些产品可能使租户陷入债务循环，因为反复出现的费用增加了他们的财务负担。公司对此类指控表示异议，称根据现行法律，他们的费用不被归类为利息</p>

<p>By Genna Contino</p>
<div class="lb-trans"><p>作者：Genna Contino</p>
</div><p>Want to pay rent in two installments instead of one? The fine print can make '0% interest' costlier than it sounds.</p>
<div class="lb-trans"><p>想要将租金分两次支付而不是一次性支付吗？细则可能会让 “0% 利息” 变得比听起来更贵。</p>
</div><p>A growing number of companies are offering buy-now-pay-later products to split up rent payments into installments throughout the month.</p>
<div class="lb-trans"><p>越来越多的公司提供先买后付的产品，将租金分摊到整个一个月的分期付款中。</p>
</div><p>The first of the month is a signal to millions of tenants that rent is due in full. While some landlords offer a short grace period for renters to scrounge together enough cash, fintech companies are offering a different deal: split your rent into installments throughout the month.</p>
<div class="lb-trans"><p>每月的第一天是数百万租户的信号，表明租金到期需要全额支付。虽然一些房东会给租户一个短暂的宽限期，以便他们凑够足够的现金，但金融科技公司提供了不同的选择：将租金分摊到整个一个月的分期付款中。</p>
</div><p>This isn't new: Nearly a quarter of buy-now-pay-later users say they have used pay-in-four loans - the type that shoppers can use to buy furniture, clothes or even groceries - to pay for rent or housing expenses at least once, data from a survey by Protect Borrowers, Groundwork Collaborative and Data for Progress show.</p>
<div class="lb-trans"><p>这并不新鲜：近四分之一的先买后付用户表示，他们至少曾使用过分四期付款的贷款——这种贷款类型可以用于购买家具、衣物甚至食品——来支付租金或住房费用，来自 Protect Borrowers、Groundwork Collaborative 和 Data for Progress 的调查数据显示。</p>
</div><p>But now, a growing number of companies are offering financial products to split up rent payments specifically.</p>
<div class="lb-trans"><p>但现在，越来越多的公司专门提供将租金分摊的金融产品。</p>
</div><p>Last month, Affirm (AFRM), which offers both interest-free pay-in-four plans and monthly installments, announced a pilot partnership with fintech company Esusu that allows tenants to split their rent into two payments. Other fintechs like Flex and Livble also have installment plans for people to pay rent over the course of a month.</p>
<div class="lb-trans"><p>上个月，Affirm（AFRM）宣布与金融科技公司 Esusu 进行试点合作，允许租户将租金分为两次支付，Affirm 提供无息的分四期计划和月度分期付款。其他金融科技公司如 Flex 和 Livble 也提供分期付款计划，让人们在一个月内支付租金。</p>
</div><p>For many Americans struggling to afford the costs of housing and basic necessities right now, financial products that can help stretch their paychecks may be appealing. Rents shot up fast during the pandemic, and though those increases have started to slow down, about half of all renters are considered cost-burdened, according to Harvard University's Joint Center for Housing Studies - meaning they spend more than 30% of their income on housing.</p>
<div class="lb-trans"><p>对于许多正在努力承担住房和基本生活费用的美国人来说，能够帮助他们延长工资的金融产品可能会很有吸引力。疫情期间，租金迅速上涨，尽管这些涨幅已经开始放缓，但根据哈佛大学住房研究联合中心的数据，约一半的租户被认为是负担过重——这意味着他们将超过 30% 的收入用于住房。</p>
</div><p>But consumer advocates urge renters to be wary of buy-now-pay-later products for rent. While these products may not charge traditional interest, many still charge monthly subscription fees that can add up significantly over time.</p>
<div class="lb-trans"><p>但消费者倡导者提醒租户要对租金的先买后付产品保持警惕。虽然这些产品可能不收取传统利息，但许多仍然收取每月的订阅费用，这些费用随着时间的推移可能会显著增加。</p>
</div><p>Read more: Here are the ideas that could really help solve America's affordability crisis in 2026</p>
<div class="lb-trans"><p>阅读更多：以下是可能真正帮助解决美国 2026 年可负担危机的想法</p>
</div><p>&#34;When it becomes the new normal to pay for rent with a subscription fee, then all that's happened is the cost of living has gotten that much higher,&#34; said Adam Rust, the Consumer Federation of America's director of financial services. &#34;Our economy is in late-stage precarity brought to you by 'The Rent Is Too Damn High Inc.,' with financing by nonbank apps.&#34;</p>
<div class="lb-trans"><p>“当支付租金成为一种带有订阅费用的新常态时，那么发生的只是生活成本变得更高了，” 美国消费者联盟金融服务主任亚当·拉斯特（Adam Rust）说。“我们的经济处于由 ‘租金太高公司’ 带来的晚期不稳定状态，融资来自非银行应用。”</p>
</div><p>They might be classified as no-interest - but they're not free</p>
<div class="lb-trans"><p>它们可能被归类为无利息——但并不是免费的</p>
</div><p>So how can it be so costly to use a rent-now-pay-later product if they advertise 0% interest?</p>
<div class="lb-trans"><p>那么，如果它们宣传 0% 利息，使用租金先买后付产品怎么会如此昂贵呢？</p>
</div><p>Imagine a tenant splits a $2,000 rent payment into two installments, and effectively receives $1,000 upfront in exchange for a $30 membership fee for the month. That amounts to roughly 3% of the amount advanced for about two weeks. When annualized - the standard way lenders calculate borrowing costs - that equates to an interest rate near 80%. If the amount advanced is smaller, or the repayment window shorter, the effective rate can climb well above 100%, which advocates say illustrates how quickly fees can stack up.</p>
<div class="lb-trans"><p>想象一下，一个租户将 2000 美元的租金分为两期支付，并有效地以 30 美元的会员费提前获得 1000 美元。这相当于大约 3% 的预付款金额，持续约两周。当年化计算时——这是贷款人计算借款成本的标准方式——这相当于接近 80% 的利率。如果预付款金额较小，或还款窗口较短，实际利率可能会迅速攀升至 100% 以上，倡导者表示这说明了费用如何迅速累积。</p>
</div><p>Read more: These apps offer quick cash, but some users say they're trapped in debt. This loophole is their escape hatch.</p>
<div class="lb-trans"><p>阅读更多：这些应用提供快速现金，但一些用户表示他们陷入了债务。这一漏洞是他们的逃生通道。</p>
</div><p>In certain scenarios, the effective annual rate can exceed 180%, according to estimates from Protect Borrowers and Towards Justice, nonprofits that advocate for people in debt.</p>
<div class="lb-trans"><p>在某些情况下，根据 Protect Borrowers 和 Towards Justice 的估计，实际年利率可能超过 180%。</p>
</div><p>The nonprofits also warn that because rent is a recurring, nondiscretionary expense, borrowers who rely on these products once may need to use them again the following month if their underlying income gap hasn't changed. Over time, recurring subscription fees and short-term charges can pile up on top of already high housing costs, increasing the total amount that renters pay just to stay current.</p>
<div class="lb-trans"><p>这些非营利组织还警告说，由于租金是一项经常性、非可自由支配的支出，依赖这些产品的借款人如果其收入差距没有改变，可能需要在下个月再次使用它们。随着时间的推移，重复的订阅费用和短期费用可能会在已经高昂的住房成本上叠加，增加租户仅为保持正常支付所需支付的总金额。</p>
</div><p>&#34;People still don't have enough money to pay the rent, but they have the opportunity to stay in debt perpetually,&#34; said Mike Pierce, the executive director of Protect Borrowers, which focuses on fighting predatory lending practices. &#34;You end up paying fees month over month.&#34;</p>
<div class="lb-trans"><p>“人们仍然没有足够的钱支付租金，但他们有机会永远保持负债，” 专注于打击掠夺性贷款行为的 Protect Borrowers 执行董事迈克·皮尔斯（Mike Pierce）说。“你最终每个月都要支付费用。”</p>
</div><p>Rent-now-pay-later companies dispute advocates' calculations and argue that monthly membership fees are not legally considered interest under current lending laws.</p>
<div class="lb-trans"><p>租金先买后付公司对倡导者的计算表示异议，并辩称每月的会员费用在现行贷款法律下并不被视为利息。</p>
</div><p>Read more: Americans just spent a record $20 billion with buy-now-pay-later. Here's what to do if you overdid it.</p>
<div class="lb-trans"><p>阅读更多：美国人刚刚在先买后付上花费了创纪录的 200 亿美元。如果你超支了该怎么办。</p>
</div><p>&#34;It's a regulated credit product, so there's no debate about whether this is a loan,&#34; said Ryan Metcalf, vice president of public affairs at Flex. He said the company disagrees with advocates' use of an &#34;effective APR&#34; calculation, arguing that monthly membership fees are not legally defined as interest. &#34;That's not what the law is.&#34;</p>
<div class="lb-trans"><p>“这是一种受监管的信贷产品，因此没有争议这是否是一笔贷款，” Flex 公共事务副总裁瑞安·梅特卡夫（Ryan Metcalf）说。他表示，公司不同意倡导者使用 “有效年利率” 的计算，认为每月的会员费用在法律上并不被定义为利息。“这不是法律的定义。”</p>
</div><p>Flex's data do not support claims that renters who use its pay-in-two rental product are trapped in ongoing borrowing, Metcalf said. The average Flex customer uses the service for 3.7 months a year, and the median amount is three rent payments.</p>
<div class="lb-trans"><p>梅特卡夫表示，Flex 的数据并不支持声称使用其分两期租金产品的租户被困在持续借款中的说法。平均而言，Flex 客户每年使用该服务 3.7 个月，中位数为三次租金支付。</p>
</div><p>&#34;If a perpetual rollover cycle were occurring, we would expect continuous monthly utilization and deteriorating borrower outcomes,&#34; Metcalf said. &#34;Our data show the opposite.&#34;</p>
<div class="lb-trans"><p>“如果发生持续的循环借款，我们会预期持续的每月使用和借款人结果的恶化，” 梅特卡夫说。“我们的数据表明情况正好相反。”</p>
</div><p>Affirm's rent pilot doesn't allow users to continue borrowing if they still have an outstanding balance from the prior month, the company said.</p>
<div class="lb-trans"><p>Affirm 的租金试点不允许用户在上个月仍有未偿余额的情况下继续借款，该公司表示。</p>
</div><p>From the archives (Sept. 2025): Klarna goes public as more people say buy-now-pay-later is the only way they can afford to buy things</p>
<div class="lb-trans"><p>来自档案（2025 年 9 月）：Klarna 上市，越来越多的人表示先买后付是他们唯一能负担得起的购买方式</p>
</div><p>&#34;This pilot will give eligible renters a flexible option to apply to pay rent in two equal payments over two weeks at 0% APR,&#34; an Affirm spokesperson told MarketWatch. &#34;Affirm underwrites every application and we only approve people for what we believe they can responsibly afford to repay as Affirm never charges any late or hidden fees. We're approaching this use case thoughtfully.&#34;</p>
<div class="lb-trans"><p>“这个试点将为符合条件的租户提供一个灵活的选择，可以在两周内以 0% 年利率分两次支付租金，” Affirm 的一位发言人告诉 MarketWatch。“Affirm 对每个申请进行审核，我们只批准我们认为他们能够负责任地偿还的申请，因为 Affirm 从不收取任何逾期或隐藏费用。我们正在认真对待这个用例。”</p>
</div><p>Livble did not respond to MarketWatch's request for comment.</p>
<div class="lb-trans"><p>Livble 没有回应 MarketWatch 的评论请求。</p>
</div><p>Here's what different rent-now-pay-later platforms have to offer</p>
<div class="lb-trans"><p>不同的租金先买后付平台提供了什么</p>
</div><p>Not every rent-now-pay-later app is created equally. Here's what we know about a few of the most popular platforms in the market right now.</p>
<div class="lb-trans"><p>并非所有的租后付款应用程序都是一样的。以下是我们对当前市场上几种最受欢迎平台的了解。</p>
</div><p>Flex</p>
<div class="lb-trans"><p>Flex</p>
</div><p>Flex presents the option to split rent payments in two for a monthly membership fee of $14.99 plus a bill-payment fee totaling 1% of the rent amount. Flex likened the bill-payment fee to ACH or card-processing fees ranging from 1% to 3.5% that typically come with traditional rent payment portals. &#34;Presenting a disclosed processing fee as interest does not reflect its functional purpose,&#34; said a Flex spokesperson, in response to consumer advocates who say the fees amount to interest.</p>
<div class="lb-trans"><p>Flex 提供将租金支付分为两部分的选项，月会员费为 14.99 美元，加上总租金金额 1% 的账单支付费。Flex 将账单支付费比作传统租金支付门户通常收取的 1% 到 3.5% 的 ACH 或卡处理费。Flex 的一位发言人回应消费者权益倡导者称，披露的处理费作为利息并未反映其功能目的。</p>
</div><p>Affirm</p>
<div class="lb-trans"><p>Affirm</p>
</div><p>Affirm recently rolled out its rent-now-pay-later pilot, which requires users to be members of Esusu Plus or Premium, and is priced at $35 or $50 per month. Affirm said its product itself carries 0% APR and no late or hidden fees.</p>
<div class="lb-trans"><p>Affirm 最近推出了其租后付款试点项目，要求用户成为 Esusu Plus 或 Premium 的会员，月费为 35 美元或 50 美元。Affirm 表示其产品本身的年利率为 0%，且没有逾期或隐藏费用。</p>
</div><p>Livble</p>
<div class="lb-trans"><p>Livble</p>
</div><p>Livble allows users to split rent payments by up to four installments. &#34;Finance charge ranging from $30 to $40 applies, and the amount is dependent on the date that rent is submitted for the month it is due,&#34; the company's website says in the fine print. Livble did not respond to MarketWatch's request for comment.</p>
<div class="lb-trans"><p>Livble 允许用户将租金支付分为最多四期。该公司网站的细则中提到：“适用 30 到 40 美元的财务费用，具体金额取决于租金提交的日期。” Livble 未对 MarketWatch 的评论请求作出回应。</p>
</div><p>Credit-building perk</p>
<div class="lb-trans"><p>信用建设福利</p>
</div><p>Some of the services offer a rent-reporting feature, which can help some renters establish or improve their credit by reporting their on-time rent payments to the three major credit-reporting agencies.</p>
<div class="lb-trans"><p>一些服务提供租金报告功能，可以帮助一些租户通过向三大信用报告机构报告按时支付的租金来建立或改善信用。</p>
</div><p>For example, Esusu sends its members' monthly payments to all three credit bureaus and can report up to two years of past on-time payments to help build credit quickly. Flex has the option to automatically report payments to TransUnion (TRU) to help build users' on-time payment history - and the company says it won't report any missed or late payments to credit bureaus.</p>
<div class="lb-trans"><p>例如，Esusu 将其会员的每月付款发送给所有三家信用局，并可以报告最多两年的过去按时付款，以帮助快速建立信用。Flex 有自动向 TransUnion（TRU）报告付款的选项，以帮助建立用户的按时付款历史——该公司表示不会向信用局报告任何未支付或逾期付款。</p>
</div><p>Taking out a loan? First make these 5 smart moves to raise your credit score - whether you have weeks or months</p>
<div class="lb-trans"><p>申请贷款？首先采取这 5 个聪明的举措来提高你的信用评分——无论你有几周或几个月的时间。</p>
</div><p>The impact of rent reporting appears most beneficial for renters at the lower end of the credit spectrum, said Daniel Teles, a principal research associate at the Urban Institute, while the benefits are less clear for those who already have moderate or higher credit scores.</p>
<div class="lb-trans"><p>租金报告的影响对信用评分较低的租户似乎最为有利，Urban Institute 的首席研究助理 Daniel Teles 表示，而对于那些已经拥有中等或更高信用评分的人，收益则不太明确。</p>
</div><p>&#34;If you have a credit score below 550 or so, [or] below 500, or if you have no credit at all, there's some clear benefits to having rent reporting, as long as you're actually paying your rent on time,&#34; Teles said.</p>
<div class="lb-trans"><p>“如果你的信用评分低于 550，或者低于 500，或者根本没有信用，只要你按时支付租金，租金报告就有明显的好处，” Teles 说。</p>
</div><p>As for whether paying a monthly fee for rent reporting is worth it, Teles says it depends on the individual. A modest boost to one's credit score could lower borrowing costs on products like auto loans or credit cards, potentially saving them more than the subscription cost. But the long-term payoff - particularly for something like qualifying for a mortgage - is less certain, and renters would need to weigh the fee against potential interest savings in their specific situation.</p>
<div class="lb-trans"><p>至于支付租金报告的月费是否值得，Teles 表示这取决于个人。适度提高信用评分可能会降低汽车贷款或信用卡等产品的借款成本，可能节省超过订阅费用。但长期收益——特别是像申请抵押贷款这样的事情——则不太确定，租户需要权衡费用与其特定情况下潜在的利息节省。</p>
</div><p>JOIN THE DON'T SHORT YOURSELF LIVE Q&amp;A: Tax season stressing you out? We've got you. Join Don't Short Yourself Live to ask MarketWatch's Andrew Keshner and Beth Pinsker your tax questions on Wednesday, Feb. 25, at 1:30 p.m. Eastern time.</p>
<div class="lb-trans"><p>加入 “不要低估自己” 直播问答：税季让你感到压力吗？我们来帮你。加入 “不要低估自己” 直播，向 MarketWatch 的 Andrew Keshner 和 Beth Pinsker 提问你的税务问题，时间是 2 月 25 日星期三东部时间下午 1:30。</p>
</div><p>-Genna Contino</p>
<div class="lb-trans"><p>-Genna Contino</p>
</div><p>This content was created by MarketWatch, which is operated by Dow Jones &amp; Co. MarketWatch is published independently from Dow Jones Newswires and The Wall Street Journal.</p>
<div class="lb-trans"><p>此内容由 MarketWatch 创建，MarketWatch 由道琼斯公司运营。MarketWatch 独立于道琼斯新闻社和《华尔街日报》出版。</p>
</div><p>(END) Dow Jones Newswires</p>
<div class="lb-trans"><p>（结束）道琼斯新闻社</p>
</div><p>02-13-26 1618ET</p>
<div class="lb-trans"><p>02-13-26 1618ET</p>
</div>

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