At present, many digital products on Apple's domestic official website support two years and 24 interest-free installments, such as mobile phones, notebooks, headphones and smart watches, which can also be regarded as alleviating certain pressure on users. However, now Apple's product price is also rising, the top iPhone 13 Pro Max, the actual price has exceeded 10,000 yuan, even if it is 24 periods of interest-free, the amount to be paid in each period alone is not low. Perhaps in order to make sales to a higher level, Apple recently launched 36 interest-free installments overseas, which is more attractive to users.
Apple is currently launching a 36-installment interest-free service in Japan, so that When Japanese users buy a machine, although the total price is not comparable, the pressure on each month is indeed smaller than before. However, Apple is also cooperating with other financial institutions in Japan, just like the domestic cooperation with Huabei and banks, Apple's 36th period in Japan is installment through Japan's Payidy, which is a financial institution similar to domestic Alipay, and new users will have part of the quota when registering an account, and then they can use interest-free installments on Apple's official website to purchase Apple's various products.
Of course, Apple is such a shrewd company, but also know that the current mobile phone many users are impossible to use three years to update, maybe a year or two later to buy a new mobile phone, so considering this part of the user, but also for their own future sales of new machines better, so Apple in this 36 phases of the basis, and launched a new rule: allow the same user to upgrade the new iPhone in the 24th month, if the user chooses to upgrade, then the 25-36 months of the payment does not need to be paid, but the machine to be recycled by Apple , equivalent to 1/3 of the price of recycling old machines to 12 months of installments.
As for whether this is cost-effective, it depends on whether the iPhone purchased by the user in phase 36 has a large price decline. Of course, this is equivalent to renting an iPhone for two years with 2/3 of the purchase price. And this rule will only work when the user must re-purchase a new iPhone, so if the user chooses to pay in installments, he will have to give money again every month. However, no matter how you look at Apple, it is not a loss, after all, Apple does not need to pay anything.
According to the current price of 36 installments, the purchase of an iPhone 13 Pro Max mobile phone, the minimum user pays less than 300 yuan per month, if it is the cheapest iPhone 13 Mini, then the user only needs to give 88 yuan per month to get the hand, which is not much for users who do not change the machine, Apple's installment system is quite scientific. Like many people an iPhone often use for several years, then if it is 36 installments of interest-free, it is estimated that everyone is willing to run Apple's official website to buy Apple's mobile phone, to know that now the domestic Jingdong, Tmall up to 24 installments of interest-free.
The new installment payment mechanism can undoubtedly reduce the threshold for users to buy Apple mobile phones, and for some people with low income, as long as they do not consider changing the machine within three years, then the pressure of each month is really not big. So we personally feel that this new payment mechanism is still good for users, but at present Apple has only launched 36 installments in Japan, I don't know if it can be promoted to other countries and regions, if it can be introduced into The country, it is estimated that the sales of Apple mobile phones will be further improved.