9% more is not much difference? You ask them if pay without installment how much? Usually installment they factor in the interest.

This all depends on the merchant, some charges a flat 4% on all 0PP... like HN...

Some dont charge anything for 6 months, 2.5% for 12 months and 4% for 24 months (depends on bank).... like SH...

When i was shopping for household equipments before moving to my house, i do lots of survey and ask many shop already. Even when they publish shop xxx, yyy,zzz give 0% installment is still factor in. Because when i negotiate the best price they will ask is it cash, c.card, or ipp plan. Cash of choose is better discount, than 1 to 2% discount for c.card, but ipp no discount.

This post has been edited by weikee: Jul 4 2012, 12:09 PM

Dude... i dont mean to be rude, but this just shows that you have not done enuff shopping and asking, or that you have not shopped at the right places...

I have stated, and in fact just recently bought, using Maybank card, at no interest charged for 6months installment plan.... no interest no nothing...

0% for 6 month, 2.5% for 12 months, and 4% for 24 months... for Maybank cards in Sen Heng... in fact they have a whole list of banks and rates....

Harvey Norman charges 4% irregardless of duration of 0PP, irregardless of price... and other shops charge 2% added on the negotiated cost of the product, as this is the rate the bank is charging the shops as merchants, which these arse shops pass back to us consumers....

Dude, I go so many shop, and the shop that don't offer ipp give the best price, HN, Seng Heng and big chain shop don't give good cash price because they already factor in the interest unless they have promotion price or special deal. So for buying nearly 20k of household equipments, saving is really a lot if the give the best price.

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Added on July 4, 2012, 4:00 pmThe best deal I found is still jusco member sales. They give 10% discount, + 10% rebate via voucher. That sum out to be 19% discount, and very good buy for household items that don't get that much discount like fridge from out side shop.

This post has been edited by weikee: Jul 4 2012, 04:02 PM

You have your point...

But this is what I found out....

Panasonic P50ST50 in Jusco retails at 5099, best price they can offer (during member sale) is the crappy 4999.... if less 10% (and another 10% rebate) have to use retail selling price of 5099, that comes up to RM4130.19 cash... (and this the the best case scenario)...

Best price outside shops... RM3999 cash... in fact I found one shop RM3980 cash with delivery....

Same goes for a Toshiba 9kg washer.... Jusco and HN selling for 1209, Sen Heng 980, others at 920....

You have done your legwork, and calculations... but I am saying that not all shops that offers 0PP is expensive after strong nego....

Pls remember, in Jusco, you can still get 3% rebate ont op of the 10% disc and 10% rebate.

So it works out to be very close to outside shops. What's more no need to bargain and worry of getting display sets.

Well... thats if you can wait till each member day sales.... and the 10%+10% rebate is not always there...

Not everyone can n will wait till such specific day only to buy what they wanna buy.... but to each his own...

Just got my P65ST50K last nite for RM 8,300 after all the discounts and rebates. Also managed to get 3 pairs of glasses and Avatar 3D.

Must be very excited and cannot wait until the next KLIAV fair in 2 weeks time for bargain???
Mind to share where do you get it and how much u are charged for extended warranty i.e. 3-5 years?

Wow this is very good price, mind sharing where?

I didn't get the extra warranty as I will sign up the +3 years warranty with Panasonic later on.

I got it from Jusco 1-U as they were having J-card members day.

If anyone has the Panasonic Wifi dongle for sales, please PM me.

Jusco 1-U

Cash and discounted price? Wonder how to bargain at Jusco

Wow. Great price. Is it Jusco final price on member day or need to nego? Can you let us know how much is the +3 years warranty? If it is around 1k then it would similar price to BHB road show price.

This post has been edited by pierreye: Jul 6 2012, 01:49 PM

I believe if you are dealing with the promoter, it is negotiable.

Last night, there was no discount, but I asked him and he checked with the store manager. So I got the discount. Jusco always accept credit cards even for discounted price. I don't think they expect me to carry RM 9,000 around for shopping.

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Added on July 6, 2012, 3:11 pmIt is negotiable. I didn't ask for the +3 years warranty. Maybe I should have asked and got it for free.

This post has been edited by allycat: Jul 6 2012, 03:11 PM

Waiting for your report on performance via:
(a) Bluray movies;
(b) MKV 1080p;
© MKV 720p; and
(d) Astro, etc.

latest adjusted price for my bulk order on 65" ST series :

P65ST50k - RM7699

Wow this is seriously a good price