The minimum interprofessional salary rises but the price of life and mobile phones also rise. For years now, high-end models have overcome the psychological barrier of a thousand euros and things are getting worse. Thus, if you have to change your phone and aspire to the advantages of a flagship, you essentially have three options: buy it new, save some money by betting on a refurbished phone or go for mobile leasing. Starting from the premise that you want a completely new phone, these are the characteristics of each modality and when you are interested in betting on each one.
buy the phone
Suppose your favorite option is the usual one: choose the phone you like best and checkout. Even here you have options: disburse the total amount or with deferred payment through installments, something that you can do directly with your bank or other banking entities, with telemarketers and is also offered by some brands such as Apple or Samsung. In this way you avoid that important initial investment of the high-end mitigating it with a division into smaller installments over time.
In these options with installments, it is important to check the interest and if this payment in installments by the telcos goes hand in hand with a contract, which it can allow you to pay less in exchange for a commitment to permanence and the consequent penalties. In your favor, there are brands that also have renewal plans that allow you to update your device by delivering the previous one.
If you are a self-employed person and you use your phone in your professional activity, you can deduct the VAT from the invoice.
The main advantage of this option is that the phone is yours It is understood, when you have paid it in full. At that time you have a phone in your possession and you will only have to pay for the corresponding data rate.
It is your possession for the good and for the badthat is, you can sell it whenever you want and if it breaks or is stolen you do not have to explain to anyone and if you wish, you can take out insurance.
Of course, when it gets old and obsolete you will have to buy another. Of course, if you don’t let it age that much you can also sell it on the second hand market or you can give it as part of the payment towards the purchase of the next phone. But the circle will start again, again you will need that initial investment and you will have lost money as a result of the deterioration of your terminal.
What happens if your phone breaks down? It will depend on the type of failure and if it is under warranty and it covers the problem, otherwise you will have to go to the technical service and again, go to the checkout. That is why you should assess the acquisition of insurance.
Leasing characteristics
The renting or rental of the mobile is linked to a monthly subscription to enjoy the device (generally 12 months). When that period ends, you can extend the contract and continue using that phone or request a new leasing contract for another model. The first advantage comes to the fore: you can have every year the latest of the latest and also do it at a reduced cost.
Earlier we talked about those who work for others and here it also applies: if you need the phone for your activity, this contract is also likely to benefit from VAT relief.
The not so good is that if you want to have a phone in your hands you will have to keep paying: not during the 24 months that the classic payment in installments of a purchase lasts, if not always (yes, if you want that specific phone, you have the option to buy it). Doing the math, a renting phone is more expensive than buying it the old-fashioned way.
But there is no harm that does not come for good: perhaps this year you want an iPhone because you work with the Apple ecosystem, but next year you are no longer interested and you want to try the benefits of the large screen of a foldable. Here you will not have to do the cumbersome task of putting it up for sale, executing the transaction and buying the second terminal with the consequent economic need and loss of money, but it will go through a simple change of contract. Renting is better suited to your temporary needs.
In the purchase section, we talked about not having to explain to anyone in case of theft or loss, but of course, in that case you would be left without a terminal. With renting, it is normal that some insurance is included (or failing that, that they force you to acquire it) that take care of these cases and breakdowns. Which means that you will soon have a phone in your hands again without paying too much (with logical and normal use). In any case, the insurance is mandatory and be clear that you pay for it, either directly or included in your subscription.
You may have chosen a phone for your rent at a certain moment thinking that it is the best, but after two months you discover that you were not right or simply your needs have changed. While with your own phone you have the option of selling it, With the renting you will have a link to your contract (beyond the 14 days of withdrawal) while it lasts.
If you do not pay or breach the contract, you will have penalties and extra commissionseven resulting in the withdrawal of the phone.
When are you interested in a renting phone:
- When you have specific and temporary needs.
- When you want or need to have the latest of the latest.
- When you want to ignore tasks such as breakdowns, maintenance or renovation.
- When you don’t want to own a high-end phone or don’t want to shell out the initial investment
When are you interested in buying a phone:
- When you are not interested in always paying (add a fixed expense to your day to day).
- When you are clear about what phone you need now and in the coming years.
- If you are interested in getting a phone as cheap as possible.
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