well bro you can get it in maxis...if 16gb you can get it with contract and about out right purchase im not sure for 16 but 32 is there...by installment you can pay through your credit card by the 0% installment plan such as maybank and other card stated in maxis website...but i have heard that in case you have other bank which doesn't give the installment plan for maxis...you can try call them and arranging manually for installment plan..most credit card provide these service...