Just look at the calculation mechanism. The longer the term of the mortgage, the greater the payback. Generally the instalment period is divided into six months, 12 months, and 24 months, with the amount of interest for each term adjusted by the finance leasing company policy.
When seen at a glance, the laptop credit obviously has a glaring weakness because they become more expensive. And the price decline could be due to inflation, the presence of a new product, or so forth.
The plus side to buy a laptop on credit is that the funds must be spent on the initial purchase of that specific item. And the price of a laptop with a powerful specification is not cheap.
By utilising credit facilities for laptops, then the object can be used immediately. Moreover the laptop is no longer a luxury item. When they originally came onto the market, they were seen as a sign of prestige, but with mass productivity, this is no longer the case, the laptop has become a neccessity with regard to our daily activities for work, study, school and entertainment.
This is the bonus of the credit laptop. With limited funds, a person can have desirable goods without having to set aside a period of income. You can imagine how long it would take to save up to get a MacBook Pro that cost tens of millions. The consumer would need to enforce the discipline of saving.
But if you want to be practical, better to use a credit card. Just add your credit card information if there are facilities to be had which offer zero percent instalments. If there is, then let the credit card be used to pay off the purchase of a laptop and then settle the bill each month.