For certain promotions, CP does do instalment scheme (not really sure whether interest-free or not) and its really dependant on external finance co. and the promoter.
The recent Hasselblad/Mamiya promotion I believe had an instalment scheme, but generally, CP does not do financing.
One method of getting semi-interest-free plan is thru the credit card co's (I believe Stanchart and Citibank are pioneers in this, other banks do offer as well). Stanchart (or was it Citibank) is particularly interesting in that the vendor need not be a participant in a bank's instalment free vendor list, and you can just call up after you have purchased and give the details of the charges/vendor and they will split the payment into 12 (or maybe more?) equal instalments. There is an admin charge of i believe 2-2.5% for doing this.
Originally posted by Darren Stanchart (or was it Citibank) is particularly interesting in that the vendor need not be a participant in a bank's instalment free vendor list, and you can just call up after you have purchased and give the details of the charges/vendor and they will split the payment into 12 (or maybe more?) equal instalments. There is an admin charge of i believe 2-2.5% for doing this.
agree, don't bite off more than you can chew. With the lenses, flash, camera bag, extra battery, battery grip, etc etc all coming in, it can be quite suffocating. And also, if you pay by instalments, you might see a newer model in the market when you are still paying your 10th payment, that is quite a kek feeling.
as much as a DSLR is very tempting to me, I can get most of the gratification with my film SLR, minus the instant feedback of course, at a much much lower cost.
Not discouraging you or imposing on you, just a reminder to stay rational, cuz sometimes I myself fall into the trap of temptation too.
On buying a DSLR is the ultimate goal of every
However you have to calculate the cost and the maintainence.
Unless you are willing to cough out $5 to $10K it is wiser to
start with a higher end pro-consumer DC.
Here is an example of the amount of money you
have to spend for the initial outlay:
1. DSLR Body: $3,800.00
2. 2 lenses to go with it (cheaper ones) $1,000.00
3. A decent flash unit: $ 300.00
4. A sturdy tripod: $ 300.00
5. Micro Drive: $ 400.00
6. Mic items (filters & essential acessories) $ 300.00
That will cost you $6,100 more or less
The only advantage is to shoot thousands
and thousands of images
because in the long run it is cheaper.
Two years later, a newer model
arrives and you will have a headache as to
whether you want to upgrade or not.
For beginners it would be wiser to start with
one or even two higher end DC (second one for backup).
Start shooting and enjoy your new found hobby.
You can easily upgrade if you like or stay put.
The more you shoot, the more you have
to upkeep your storage media such as your hard drive,
CDRW, colour printer, colour paper etc.
Of course you should go for the quality and
the speed offer by DSLR.
If you are not sure, ask those who had own
the former Nikon D1, Canon D30 or the Fuji S1 Pro.
If they tell you, don't have to upgrade, just keep shooting.
More often than not, they are right.
If you are a pro, it is wise to seek financing
because you can earn back
what you have dump in.
For those who have film based SLR, just keep shooting
your slides or black-and-white and get a good film scanner.
You don't have to cough out unnecessary money to enjoy
your hobby. Just get a high end DC.
On the other hand, if you can afford it, do it and get
them quick and start shooting.
Is the camera a philosophical instruments?
sorry but I don't get the irony. :dunno: We are talking about difficulties in financing a DSLR, so I said I can get most of the gratification with a film slr at a lower cost. Anything wrong with the statement?