iphone 2x 3x_租赁vs金融vs购买：您应该如何为iPhone 8或X付款？

iphone 2x 3x

Another year, another new iPhone, and it’s time to wade through the mess of confusing financing plans, early upgrades, and pay-to-own schemes. All the different prices, plans, and carriers supporting the iPhone are enough to make our heads spin, so we’re here to help you decide whether it’s better to lease or own.

再过一年，再买一部新的iPhone，是时候摆脱混乱的融资计划，早期升级和付费计划的麻烦了。支持iPhone的所有不同价格，计划和运营商足以引起我们的注意，因此我们在这里可以帮助您确定租赁还是拥有更好。

每个美国运营商提供的不同购买选项 (The Different Purchasing Options from Every US Carrier)

Way back in the days of 2013, it used to be that if you wanted an iPhone, you’d have to pay a certain amount upfront (anywhere from $0 to $299, model dependent), sign a two-year contract, and then your carrier would make up the cost down the line by tacking on charges like an “iPhone-specific data plan”, or extra insurance.

追溯到2013年，如果您想要一部iPhone，则必须先支付一定的金额(从0美元到299美元不等，具体取决于型号)，签订一份为期两年的合同，然后运营商将通过增加诸如“ iPhone专用数据计划”之类的费用或额外的保险来弥补成本。

Now, things are a bit different, and thankfully, more cost effective. If you’re still grandfathered in to a contract, you may be able to keep it, but there’s very little reason to do so (unless maybe you have an unlimited data plan you actually use). Instead, most carriers offer two main options. You can:

现在，情况有所不同，值得庆幸的是，它更具成本效益。如果您仍然是合同的老手，则可以保留它，但没有什么理由这样做(除非您实际上有无限量的数据计划)。相反，大多数运营商提供两种主要选择。您可以：

Buy the phone outright and own it. This will cost you $699 for the base model iPhone 8, and more for higher storage models or the Plus version.

完全购买手机并拥有。基本型号iPhone 8的价格为699美元，而更高存储型号或Plus版本的价格为699美元。
Pay for the phone over time. For the base model iPhone 8, this will cost anywhere between $20 and $35 per month. On most carriers, this acts as a sort of hybrid between leasing and financing—you lease your phone with an option to own at the end of your term. You can either make all your payments (usually 24 months) and own your phone, or trade in your phone after a shorter period (like 12 or 18 months) and upgrade to the newest model instead.

随时间付费给手机 。对于基本型号的iPhone 8，这每月的费用在20到35美元之间。在大多数运营商中，这就像租赁和融资之间的混合体-您可以租借手机，并可以在任期届满时选择拥有。您既可以支付所有款项(通常为24个月)并拥有您的手机，也可以在较短的时间(例如12或18个月)之后进行手机交易，然后升级到最新型号。

If you cancel your wireless service before paying the phone off, you’ll usually have to pay the remaining balance on your payment plan to finish buying your phone. In addition, many carriers will offer you a few hundred dollars in credit if you trade in your own phone, so the final cost will depend on your specific situation.

如果您在还清电话之前取消了无线服务，则通常必须支付付款计划中的余额才能完成购买电话。此外，如果您使用自己的手机进行交易，许多运营商会为您提供数百美元的信用额度，因此最终费用将取决于您的具体情况。

Each carrier has their own specific fine print, so let’s go over the leasing and early upgrade options for each. Then, we’ll discuss what the best way to buy your phone is.

每个运营商都有自己的特定字样，因此让我们逐一介绍一下租赁和早期升级选项。然后，我们将讨论购买手机的最佳方法是什么。

威瑞森 (Verizon)

Verizon’s financing plan is fairly simple: you pay a set amount every month (which will be $29.16 per month for the base level iPhone), for 24 months. At the end of 24 months, you own the device and can do with it as you wish.

Verizon的融资计划非常简单：您需要每月支付固定金额(基本款iPhone每月需支付29.16美元)，为期24个月。 24个月后，您便拥有了该设备，并可以随意使用它。

Alternatively, you can trade the phone in after 12 months and upgrade to another phone, continuing to pay whatever that phone costs per month.

另外，您可以在12个月后以旧换新手机，然后升级到另一部手机，继续支付每月的手机费用。

Or, if neither of those are your speed, you can buy the phone outright ($699 for the base model).

或者，如果两者都不是您的速度，则可以直接购买手机(基本型号为699美元)。

美国电话电报公司 (AT&T)

AT&T probably has the most complex setup of the bunch. They have two separate financing plans, depending on how much you want to pay per month and how often you’re able to upgrade early, if you so desire.

AT＆T可能是最复杂的设置。他们有两个单独的融资计划，具体取决于您每月要支付的费用以及如果愿意的话，您能够提早升级的频率。

The “AT&T Next” plan is $23.34 per month for the base model iPhone, and you pay that for 30 months. At that point, you own your device. Alternatively, you can trade it in and upgrade your phone once 80% of it is paid off (so, 24 months). Then you’ll pay the monthly cost for the next phone going forward.

基本型号iPhone的“ AT＆T Next”计划每月23.34美元，您需要支付30个月的费用。届时，您将拥有设备。另外，您可以交易它并在80％还清手机费用后(24个月)升级手机。然后，您将支付今后下一部手机的每月费用。

If you want to upgrade more often, the “AT&T Next Every Year” plan is a bit more expensive—$29.16 per month for the base model iPhone—but it only lasts 24 months before you are done making payments and own the phone. In addition, you can trade it in and upgrade once the device is 50% paid off (after 12 months—hence the “Every Year” moinker).

如果您想更频繁地升级，“每年的AT＆T明年”计划会贵一些-基本型号的iPhone每月29.16美元，但是它只持续24个月，您完成付款并拥有手机即可。此外，您还可以将其换购并在设备还清50％时进行升级(12个月后，因此称为“每年” moinker)。

And, as usual, you can buy your phone outright for $699 if these options don’t appeal to you.

而且，与往常一样，如果这些选择对您没有吸引力，您可以以699美元的价格直接购买手机。

T移动 (T-Mobile)

T-Mobile’s financing program is straightforward: You pay $29.16 per month (for the base iPhone) for 24 months, after which you own the phone. Done deal.

T-Mobile的融资计划很简单：您每月支付29.16美元(用于基本iPhone)，为期24个月，之后您拥有手机。木已成舟。

Their early upgrade plan is completely separate, and it is…more confusing. If you want to get in on the early upgrade train, you can upgrade to some flagship and “cheap” phones any time, at most once a month. For phones not on that list, you’ll have to pay $9 to $15 extra per month for a JUMP! plan that includes additional insurance on your phone (in case you break it), as well as the ability to trade in and upgrade your phone once you’ve paid off 50% of it. You can compare the different JUMP plans here.

他们的早期升级计划是完全分开的，而且……更加令人困惑。如果您想参加早期升级培训，则可以随时最多每月一次升级到某些旗舰和“便宜”手机。对于不在该列表中的电话，您必须每月为JUMP支付9至15美元的额外费用！计划，其中包括您手机上的其他保险(以防万一您摔坏了)，以及在还清50％的手机后可以进行交易和升级的功能。您可以在此处比较不同的JUMP计划。

Alternatively, you can pay for your phone outright at the beginning—it’ll be $699 for the same base iPhone mentioned above.

另外，您也可以从一开始就直接为手机付款-上面提到的同一款iPhone的价格为699美元。

短跑 (Sprint)

Sprint’s financing plan is just a tad different. You pay your phone off monthly, as usual—$29.17 per month for the base iPhone. That lasts for 18 months, after which you can pay the remaining balance—which would be about $174.93 for the $699 base iPhone model—and own your phone.

Sprint的融资计划略有不同。您可以像往常一样每月付款一次，基本iPhone的每月费用为$ 29.17。这将持续18个月，之后您可以支付剩余的余额(699美元的基本iPhone型号约为174.93美元)并拥有手机。

Alternatively, you can trade your phone in and upgrade it after only 12 months of that payment plan.

另外，您可以以手机付款并仅在该付款计划的12个月后升级它。

And, of course, you can buy your phone outright for the full $699 (or whatever your model iPhone costs).

而且，当然，您可以以699美元(或iPhone的任何价格)直接购买手机。

苹果 (Apple)

You don’t have to buy your phone from a carrier, of course. You can buy it directly from Apple, and even Apple has similar financing/early upgrade plans.

当然，您不必从运营商那里购买手机。您可以直接从Apple购买，甚至Apple也有类似的融资/早期升级计划。

Apple’s program costs $34.50 per month for the same base iPhone we’ve been discussing above, and lasts 24 months. Why does it cost more than the others? Well, Apple’s plan includes AppleCare+. This insurance is handy, but it’s unfortunate that they don’t offer a financing option that doesn’t include this extra cost. You have to get AppleCare+ if you want to finance your phone.

对于我们上面讨论过的基本款iPhone，苹果的计划每月收费34.50美元，为期24个月。为什么它的成本比其他产品高？好的，Apple的计划包括AppleCare +。这种保险很方便，但是不幸的是，他们没有提供不包括这笔额外费用的融资选择。如果您想为手机融资，则必须获得AppleCare +。

If you want to upgrade early, Apple lets you do so after 12 payments. Or, you can buy your phone outright for the $699.

如果您想提早升级，Apple允许您在支付12笔款项后进行升级。或者，您可以以699美元的价格直接购买手机。

因此，您应该租用手机还是直接购买？ (So Should You Lease Your Phone, or Buy It Outright?)

All of the above is information you can find on the carrier’s web sites—you’re here to answer the real question. Which option is the best deal?

以上所有都是您可以在运营商的网站上找到的信息-您在这里回答真正的问题。哪个选项是最好的选择？

The answer is pretty simple: It is always better to buy your phone outright…as long as you sell it when you’re done with it.

答案很简单：直接购买手机总是更好的选择…… 只要在使用完毕后将其出售即可 。

iPhones keep their value very well over time, which means if you sell your phone before upgrading, you can get a fair amount of money back—usually between $450 and $500 for that base model in good condition (that reflects the old $650 base model, not the new $699 base model, but bear with me). That means, if you upgrade to the latest base model iPhone every 12 months and sell your old one on a site like Swappa, you’ll have paid an average of $175 for that phone.

iPhone随着时间的流逝会保持其良好的价值，这意味着，如果您在升级之前出售手机，则可以获得相当多的退款- 状况良好的基本型号通常在450美元到500美元之间 (这反映了旧的650美元基本型号，而不是新的$ 699基本型号，但请多多包涵。这意味着，如果您每12个月升级到最新的基本型号iPhone，并在Swappa这样的网站上出售旧款iPhone，则平均要为该手机支付175美元。

With the early upgrade plans, you’re forced to trade in your phone every time you upgrade. But after 12 months, you’ll have already paid a whopping $325 to the carrier ($27.09 per month x 12 months, for that old $650 base model, just to compare apples and oranges—the values will be a little higher for the new $699 model, but we don’t have one-year used prices for them yet).

有了早期的升级计划，您每次升级时都必须用手机进行交易。但是在12个月后，您已经向运营商支付了325美元(每月27.09美元x 12个月，对于那台旧的650美元基本型号，只是为了比较苹果和橙子，新的699美元的价格会高一点)模型，但我们还没有一年的使用价格)。

In short: you pay almost twice as much when you lease your phone. That…is a terrible deal.

简而言之：租用手机时，您支付的费用几乎是后者的两倍 。那……真是太糟糕了。

Instead, if you buy your phone outright and sell it when you’re done, you’re literally saving over a hundred dollars per year. For the small hassle of taking pictures of your phone and driving to the post office. If you know you’re going to be too lazy to do this, feel free to lease and upgrade early—just know you’re paying about twice as much to do so.

相反，如果您直接购买手机并在完成后出售，那么您实际上每年可节省一百多美元。方便您为手机拍照和开车去邮局。如果您知道自己懒于执行此操作，请尽早进行租赁和升级-只需知道您为此支付的费用约为原来的两倍。

If you plan on keeping your phone for more than two years, then I suppose you could finance-to-own, and pay off your phone in full over the 24 months. But if you change your mind and want to upgrade, not all carriers will let you pay off the rest of your phone at once to own it—so be careful and read the fine print if you go this route.

如果您打算将手机保留两年以上，那么我想您可以自己拥有资金，并在24个月内全额还清手机。但是，如果您改变主意并想升级，并非所有运营商都会让您立即还清手机的其余部分以拥有它-因此，请谨慎行事，并仔细阅读印刷品。

翻译自: https://www.howtogeek.com/228902/the-iphone-6s-is-almost-here-time-to-lease-or-buy/