Guys, can I get your opinion on instalment of buying iphone? Which store/shop offers the best deal with 0 interest?

Buy cash 0 interest 0 installment

I know some credit cards may offer zero interest

DirectD
Use CC

if cannot afford dont buy laa... save better

Sen heng, switch, machines in no particular order.

Does apple My also offer 0% installment thought credit cards?

Yes, but there are so many that offers 0 interest right?
Like maxis, umobile, digi, senheng and etc.
I dont know which one offer the best deal and services.

If you cant buy it with cash you can't afford it.

now seriously sial one got 48 months installment for a farking phone

kek...
buy phone pun installment...

((((

if u need installment = you cant afford

cause they want to make it affordable/buyable for everyone ma to increase their sales

menang gaya

poket papa

Buying iphone itself is already stupid.
Buying iphone through installment though

just spent 6.2k for iphone 14 pro max...


have to limit my lunch to rm 3.5 mixed rice.

This post has been edited by kons: Jan 12 2023, 10:43 AM

Nice emma stone profile pic

this one have to depend what card u have

Look for shop that offer 0% installment if buy via cc.

Or u better patiently save money now for 1 year and wait for next iphone 15 or 16. Would be much much advance than current.

seriously don't do it, you will regret in future

some 0% installment requires you to purchase the phone protection plan

it is not affordable but really it is a financial trap
people now a days live on credit rather than old days buying on cash if you saved enough

a phone is something that is easily gone missing / thief / damaged, imagine taking up installment plan for 3 years but losing it in 6 months time, still need to pay installment for the remaining 2.5 years + buy another replacement.

Rm3.50 mixed rice lunch doesnt exist

Jokes on you mod 🤣🤣

6 month 0% installment sounds good to me.

it does exist in my area. you didn't dig deep enough

Rice + 1 vege kot....

I literally cant wait to change my phone d, my iphone 7 camera spoiled, touch ID spoiled, storage full, screen rotation not functioning =///

But iPhone cash je la buat pe hutang hutang

I thought ifag say it's premium and ment for atas people

Atas people buy item below 10k also wanna hutang meh, don't scared la LHDN won't come after you.

Second hand iPhone market on Shopee has the best rate

For new set p much most famous retails, yes it's expensive but not shady

Never settle for the ones advertised heavily on socmed, those are debt traps

How abt buy used iphone 1st? No need latest one, iphone 12 also ok.
Unless u got cc ok la, make sure can repay as 0% installment. Usually maybank cc can.

if you need to buy using installment... better dont

Iphone value drop too much. If you care about resale value then you only need 1 Iphone Pro Max for the back design.

4 years on 3 camera design (11 to 14 Pro Max)
Almost all are price around 6k on start.
First year value drop to 4.5k
Second year value drop to 3k
Third year value drop to 2k

hmmm, im not sure

which model you are looking at?

I using standard Chartered cc. 36 months intallment 0% interest. Company allow phone bill claim every month. Just nice 36 months monthly repayment company cover 100% of the cost.

thanks for the info bro

Mostly offer installment. If you need to go more than 24 mths, better consider other cheaper phone

waiting patiently for 15 and doing installment..hahaha

my reason is TYPE-C

then all devices at home is one cable type only

iphone 14 pro.
pro max is too bulky and big

If u die die need installment, take the one with same warranty period as the phone

every one no need buy house buy car dy

So there is no extra payment like what they mentioned - protection plan, or processing fees etc?

Tigerbank 24 months 0% ezy payment plan. At switch.

no extra unless you opt in

i boughted from switch website then go collect in store

wait ip15. high chances to get usb-c as charging instead of lightning.

i would then suggest for you to look at second hand via compasia for example

can go for 12 / 13 temporarily then sell when u can get 15

I just realised in the thread no one asking TS what phone is currently using instead just bashing him on buying via installment ..

Even for me I can outright buy cash, I will go for 6 mths max 0% interest free .. just annoyed sometime they force you to take up protection plan

hmm, this sounds like it works too

go buy from switch

if pay full .. get nothing
if pay with instalment get rm50 voucher to buy stuff .. i got another cable ..

really wtf

Why you think buying iphone is stupid?

Flagship androids has become expensive, almost the price of an iphone.

Unlike few years back, can get decent flagship with almost half of an iphone price.

Just do it la.

I think most ifags in this country installments punya. Deswai owning iPhone =/= rich

ok then i will check them out and shopee as well

This, want show off, cannot afford buy
Then just use to scroll fb twt

saya belikan untuk anak saya iphone 14 pro 128gb device bundle celcom tunai pada Disember lalu pada harga lebih kurang RM 4130. boleh juga pilih 0% Easy Payment lebih kurang RM170 sebulan selama 24 bulan.

Topkek. I'm enjoying my installment from cc cashback.

buy from shopee and use maybank or public credit card

it will be 0% interest with 0% processing fee

some store offered that but come with processing fee

Standard chartered got free rm100 voucher for 0% installment.

whatever you do, don't sign with telco. buy phone outright from shop. installment or by cash..

If you can manage your money well, then installment is definitely is the better choice compared with lumpsum.

There is a financial term for this case. It is called "opportunity cost".

If he could pay the installment promptly then he can afford it ..

Just being smart to utilize the 0℅ offer and leaving the balance yo accrue interests albeit not much

if you lose your phone and have to buy a new one, you still fork out the same amount of money..

unker thought we are talking about phone now? no?

shud buy house zero interest la ngok

celcom. can get lower price and easy payment

sell kidney better, you will be left with extra cash for nice casing and screen protector

samsung galaxy phones also same price with iphone edi. how to buy cheaper flagship phones? i hope pixel will come into malaysia soon when singapore edi have it.

Switch shop gives RM100 rebate to buy accessories when you choose to pay with installment but no rebate if you pay in full.. weird

best way is go check every shop.. switch, machine, senheng.. so far i know senheng got handling fees if 1 year installment or more.. 6 month installment, no need pay handling fees.

got a friend who stays in a RM1mill house also take installment when buy phone.. later i fark him why cannot afford iphone still wanna buy

what diff between with Telco and outright from shop?

Instalments is smarter choice, money depreciation so actually you buy it cheaper by calculation

Nothing wrong buying phone by paying installment. As long you can afford to repay. Even for those who can afford to pay full cash. No law or rules against it. Apa susah susah ?

TS, I bought mine at Harvey Norman by installment interest free.

This post has been edited by CPURanger: Jan 12 2023, 11:43 AM

telco : by end of contract, phone is not yours.. pay more than you should for phone in total
outright : no contract, phone is 100% yours. pay what is msrp or discount price..

Guys, question

If buy phone using CC instalment, eg:RM4200, the CC limit must be above Rm4.2k right?

dont listen to those gas light people. My company gave phone allowance , so paying installment is fine.

Buy cash usually can negotiate cheaper price. Zero interest usually retail price even market price already lower.

please dun do it. u will regret later. save your money for other important things.

tunggu lah USB -C brada. jangan beli hutang fon yang sudah outdated.

You now buy iPhone 14 but very fast iPhone 15 coming. So it make no difference if you buy 14 or 13 after one year of time.

Might as well buy iPhone 12 or 13 secondhand one will do. Cheap and good. You are buying its features as a phone not using it to show off.

Also hahaha, I do not show off with a phone. I show with land

This post has been edited by edifgrto: Jan 12 2023, 12:53 PM

Baik jangan.

PayLater

Wtf.. 128gb only.. nowadays better take 256gb min..

Cc limit can be 4.2K which means you dont use the CC to spend for anything else besides the phone instalment. Then your cc limit will slowly increase back once you settle your monthly phone’s instalment

This is the reason why phone prices have ballooned so much and Telco has no problem selling overpriced plans with overpriced phones.

machines,

use CC 0% interest on installment... 100% correct info coz i just did that

A phone value has nothing to accrue. If cannot pay case then don't.

Unless you can claim some telco plan from your company, then you can add on the phone and get some discount. Eg your company allow you to claim RM120 telco plan then you can choose to add on phone and pay the phone as add ons.

in term price, i understand.. got slight difference

but telco got option right

Previously I know maxis offer 2 plan

zerolution normal = after contract end, is your phone
zerolution 360 = after finish contract, opt to get new model or return the phone back (so called subscription actually)

now just offer Zerolution normal je

Cannot afford cash means you can't afford it. Those who say take installment and got cash use for investment is just dumb. The 3-4k cash is not going to do anything. Poor just admit and buy a cheaper phone.

The balance is nothing to rich people. If so poor have to earn that tiny interest, means can't afford it tbh.

B3A0, tapi selera T20

I mean accrue interest from the bank ..not the phone .. Phone will depreciate as time goes by

What i meant was instead of paying the phone in one go, can just leverage the 0℅, balance to save in the bank and earn interests

Maxis usually ada Such skim,but if u add all d interests etc its much much more expensive. When installments over, tat iphone lifespan oso expired..
Curious die die must buy iphone if x afford 2 Pay CASH?

Since the 14 series is not much better than 13, you can opt for the 13 series via compasia. Now got CNY offer. The excellent condition phones are virtually like new.

poor is like you dude, installment also can't afford



ohwai

Don't spend beyond your means.

machine and switch ada 0% installment with credit card

if everyone think like that then future generation all homeless

all cannot afford to buy a home with cash

phones are very expensive nowadays

for me, max 12 months instalments if needed

24 or 36 is too long for a phone

ayam upgrade from 13 pro to 14 pro max, regret ard

why is that? dynamic island not good ah?

thanks guys, for all the information!!

IPhone 14 is shit.. Why even bother?
Go buy used iPhone 11 or 12 instead