<start of sarcasm> Wow. Someone who paid cash for their house! Impressive. <end of sarcasm>

Joking aside - zero interest is exactly just that, zero interest installment. You can spend RM 2400 now and get an ipad, or pay for one month installment, and put the rest into ASB. And only take out enough for each installment each month. Or if you doesn't want to be too penny pinching / time consuming (since there is no e-banking for taking out money from ASB) maybe you want to do this once in two month (so take out two month installment). At least you can generate income of the balance (rm 2400 minus installment) for each month.

I can wait for next year and buy cash using my ASB dividend (but then I'm better off buying next year ipad) or I can buy it now - and pay using my dividend (read: money not from my hard work).

I can talk about OPM, time value of money (read my first post: productivity increase itself will save me a lot of money), etc, etc, etc. In the end of the day, there are things you paid cash, and there are things you pay in installment. Using zero interest installment means my cash is more liquid - while still having an iPad to help me with day to day work (while my android phone is smart, the screen size is very limiting).

Peace! 

PS - I'm not renting where I live now, even though I'm single.