Just wondering. You guys are mentioning that if you buy the phone upfront you get more savings. I just want to know how much more savings you get by buying the phone upfront.

I think if you do the actual calculation EPP is definitely cheaper. Unless there is any hidden charges by the banks.The only downside is the RM 5 rebate that you are not able to get with EPP, which is an extra RM120 over 3 years. if you divide RM120 over the 3 years with the extra cost of the phone it is just over 1 % interest. I mean to be honest i do not really understand why dealers actually say that EPP is more expensive when it is actually much cheaper.

RM 5 rebate means? If say i use 63 plan i use less then RM63, I pay RM58 only? I thought i already paid RM3677.76 to CC?

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Added on October 25, 2010, 3:02 pmRM 5 rebate means? If say i use 63 plan i use less then RM63, I pay RM58 only? I thought i already paid RM3677.76 to CC?

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Added on October 25, 2010, 3:04 pmActually i do not know what is the advantage of buying the phone upright. I mean the EPP cost is same as buying the phone upright

This post has been edited by sylar111: Oct 25 2010, 03:04 PM

There is no advantage cost wise. That is what i mean. As you said, with EPP, you are tied forever since only a dummy would terminate their contract since they have alreaady paid for it. But what i am concerned is cost and from what i see ,there is more advantages using EPP since you do not have to pay upfront and thus it is actually cheaper to order using EPP.

So i guess with EPP, the downside is you really cannot terminate your contract since you have paid for it unless you are super duper rich.

The RM400 termination charges is to actually prevent people from taking advantage of the system by buying the phone at a cheaper price and then terminate