00:00A reminder before watching the video
00:01Popular websites have more content
00:04A mobile phone company for five years
00:07Can everyone accept this?
00:08iPhone 18 Pro series
00:10Pre-orders officially opened in my country at 8 pm last night.
00:13Major e-commerce distributors are engaged in a full-scale war.
00:17The most eye-catching selling point this year
00:19It's not an upgrade in phone color or function.
00:22Instead, installment payments.
00:24This period is from 24 months to 36 months.
00:27It can stretch all the way up to 60 months.
00:3060 months is equivalent to five whole years to complete the task.
00:35The iPhone 18 Pro Max priced at RM5999
00:39Some platforms directly advertise monthly...
00:41Advertisements starting at RM99.98
00:45A flagship phone costing nearly RM6,000
00:48It looks like a small expense of 100 yuan per month.
00:53However, I want to remind everyone here.
00:55Don't make an impulsive purchase of a mobile phone.
00:57Be savvy in managing your finances and consume wisely.
01:00Everyone must think this through.
01:01The price has not decreased at all.
01:03It's just that your heartache has been diluted.
01:07When I bought my phone before
01:08You see 6000 ringgit
01:09They might take a step or two back.
01:12Now that the platform has broken down the prices...
01:15All you have left is 99 yuan a month.
01:18That makes it more acceptable.
01:21Is it right or wrong?
01:21That's the marketing strategy of businesses.
01:24Do you think a five-year construction period is an exaggeration?
01:27The most expensive part is yet to come.
01:29Apple's first foldable phone, the iPhone Duo
01:32Pre-orders will open on the 16th of next month.
01:36Guess how much that top-of-the-line model costs?
01:38The answer is around RM15,000.
01:41Some viewers will definitely ask upon hearing that.
01:43So expensive
01:44Who would be willing to buy it?
01:45Who can afford it?
01:46What are the merchants' plans?
01:48Actually, we'll still use the same trick.
01:49As long as it's broken down into monthly payments
01:51The threshold doesn't seem that high.
01:54Regardless of the authorized distributor Machines
01:56Still using the Atome platform
01:59Actually, they are all pushing it hard now.
02:00This type of sales method involves buying first and paying later.
02:03This kind of matching
02:04And iPhone 18 Pro
02:05Actually, this is just the first wave.
02:06If this retailer
02:07They continued to use this long construction period
02:09Zero interest rates lower the barrier to entry
02:12The trend of high initial payments being made in installments
02:15It seems like things will only get bigger and bigger.
02:17When it comes to buying first and paying later...
02:20Many viewers may ask
02:21What exactly is this consumption pattern?
02:22How widely accepted is it?
02:24The data from the national bank will surprise you.
02:27Buy Now, Pay Later (BMPL)
02:30Buy Now Pay Later
02:31You don't need a credit card.
02:33Installment payments are also available.
02:34Take the items first
02:36I'll pay back the money slowly.
02:37And in the second half of 2025 alone
02:40There are over 140 million BMPL transactions in my country.
02:44The total amount reached RM11.9 billion
02:47It surged by approximately 28% compared to the first half of the year.
02:50In other words, within six months
02:52The entire population spent 11.9 billion yuan.
02:55The good news is that this type of debt currently accounts for only 0.3% of household debt.
03:00Not high
03:01But the bad news is...
03:03It rose way too fast.
03:06Even the national bank named it.
03:09We must keep a close eye on this trend.
03:11To put it simply...
03:13Officials are starting to worry.
03:16Some people will find it hard to breathe.
03:17So here's the question:
03:19Who is responsible for regulating these platforms?
03:21Actually, the gate was quietly pulled up.
03:23The Consumer Credit Act came into effect on March 1st of this year.
03:27The Consumer Credit Committee was also established.
03:29Starting from June 1st
03:31Credit industry players including BMPL
03:34All of them need to obtain licenses and register before lending.
03:37First, we need to assess whether the customer can actually afford to pay back the money.
03:41Fees for debt collection should also be transparent.
03:43But in the end
03:44Can laws regulate platforms?
03:46We can't control the hands of consumers.
03:49This iPhone assumes it will continue to be released every year.
03:52If the payment period is 5 years
03:54You need to think about it.
03:55That means when you get the new phone
03:57The installment payments for the old machine may not be fully paid off yet.
03:59So before placing an order, calmly ask yourself this question.
04:02Do you have any other installment payments that you haven't finished paying off?
04:05When you buy a new phone in the future
04:08Are you able to pay off the mortgage on this phone?
04:11Rational consumption and savvy financial management
04:13Later
04:15Please don't hesitate to like and subscribe!
04:16そして will be confused
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