QUOTE(jimbet1337 @ Mar 25 2022, 10:48 AM)
Guys, would you prefer to buy the phone from retail or telco bundle?
iPhone 13 Pro Max 128GB
Zerolution RM121 * 36 = RM4356
Cash RM5299, difference RM943
Retain same RM128 plan, no gain nor loss.
Watch Series 7 45mm (Aluminium, GPS+Cellular)
Zerolution RM65 * 36 = RM2340
Cash RM2349, difference RM9.
Have to sign-up for Watch plan RM18 * 36 = RM648 before SST.
Savings of RM952 will compensate the extra from RM686.88 after SST.
Total Zerolution + Watch plan = RM6696 + RM686.88 = RM7382.88
Total Cash + Watch plan = RM7648 + RM686.88 = RM8344.88
Nett difference = RM265.12 in my favour.
Immediately reduce your cash balance in exchange for immediate full ownership, or,
keep your existing cash and pay the hire-purchase using fund gained elsewhere over time.