Apple 租赁计划
Apple Leasing Program

原始链接: https://www.apple.com/shop/apple-upgrade

您可以在租期结束时升级或终止租赁,且无需支付额外费用,前提是您需要归还设备。 如果您选择提前升级或终止,您必须归还设备并支付相当于剩余租赁款项的费用。 此外,您也可以随时购买您的设备。买断价格的计算方式为:设备租赁开始时的原始全价(含税),减去您迄今已支付的租赁总额(以及任何适用的以旧换新抵扣金额)。

Hacker News 上关于苹果租赁计划的讨论,引发了关于租赁与传统分期付款孰优孰劣的争论。 一些用户认为,苹果现有的 0% 利率分期付款更胜一筹,因为它提供了在付清款项后无限期保留手机的选择权——考虑到现代智能手机技术的成熟度,这是一个务实的选择。虽然租赁能带来更低的月供,但它会导致更高的总拥有成本,且缺乏标准分期付款所具备的资产保留优势。 相反,支持者指出,这些项目提供了一种类似于汽车或家具租赁的“无风险”金融工具,为那些可能无法获得传统信贷的人提供了便利。讨论还涉及更广泛的经济焦虑,一些评论者指出,租赁反映了一种日益增长的趋势,即对于许多消费者而言,完全拥有资产正变得越来越遥不可及。然而,持怀疑态度的人对此不以为然,认为推广此类项目仅仅是一种激进的营销策略。
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原文

Upgrade

You do not pay an upgrade fee to upgrade at the end of the lease term. If you upgrade earlier, you will pay an early upgrade fee, up to the amount of your remaining lease payments. For example, if you upgrade after 21 months on a 24 month lease, you'd pay up to the remaining 3 monthly payments. When you upgrade, you must return your device.

Lease Termination

When you reach the end of your lease term and return the device, you do not pay any termination fees to leave the program. If you decide to end your lease earlier, you will pay a termination fee, up to the amount of your remaining lease payments and must return the device. For example, if you end your lease after 21 months on a 24 month lease, you'd pay up to the remaining 3 monthly payments.

Buy out

If you decide to purchase the device at any time during your lease, you will pay the purchase option fee, which equals the full price of the device at lease signing less the sum of lease payments you've already made and any remaining trade-in credits (plus tax). For example, if the full price of the device at lease signing is $1,000 and you’ve already made $800 in lease payments, the purchase option fee would be $200.

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