1. CHeap confirm earlier u buy the cheaper
2. Start paying monthly instalment? if u buy next year dont even nd to pay now better than instalment bcoz u most likely need the stuff in 1 to 2 years sometimes VP delay
3. Honestly haven VP too early to give dimensions to ID because they nd to go ur unit for site visit first.
I think too early to purchase now, since u already locked the items u wan, i think purchase after VP safer and u dont need to start paying now. if VP delay, 2 years ++ new model come out d
Also take note, many customers asked FREE 0% instalment payment, actually there is no such thing as 0% as seller will factor it into selling price. The best way to buy lowest price product is always CASH (no bank charges).
However big companies such as Harvey (managed by staff, cannot negotiate) they wont give discount even u pay them cash so might as well get their instalment. Biz like mine, manage by own family, if u tell me i wan buy now and cash confirm i will give good price.
However, if customers really need instalment plans, call ur card center or check online, diff bank got diff rate and usually is cheaper than merchant.
Harvey Norman you can negotiate with pricing from other stores and they will match the price, subject to the store manager approval. I'm not sure if this is same for other big stores like Senheng or TBM but confirm work for HM
That's how I negotiated for my Fotile hob and oven (1k for GHG73201 and 3.6k for KSG7003AT). Granted it might not be as cheap as cash buy from smaller family owned business, but if you want to pay by card installment this is something to take note