I like the zero percent installment plan. I can get the watch, use, but pay monthly. The balance money can be put in fixed deposit and still earn interest ![Smiley :)](https://www.malaysiawatchforum.com/Smileys/Custom1/smiley.gif)
Agreed, you can always maximize your payment by arrange your FD as below.
i.e bought a watch with 12 months installment
each months have to pay RM 2k.
you will earn more by
put 2k in 12 months tenure
put 2k in 9 months (after expired) + 2 months tenure
put 2k in 9 months (after expired) + 1 months tenure
put 2k in 9 months
put 2k in 6 months (after expired) + 2 months tenure
put 2k in 6 months (after expired) + 1 months tenure
put 2k in 6 months
put 2k in 3 months (after expired) + 2 months tenure
put 2k in 3 months (after expired) + 1 months tenure
put 2k in 3 months
put 2k in 2 months
put 2k in 1 months