Where can I get a macbook in installments?

Question

macbook

Hello, I have two questions:

1. Those who have firmware 16, with i9 and 16GB, will your 16GB be enough for you? Or is it better to pay extra and get 32GB?
   
2. Based on the first question, where can I buy i9 with 32GB in installments? re:store has an installment plan for macbooks, but they don't have 32GB, or rather, they do, but not in installments and for 340 pieces. On apple, you can customize and take 32GB and i9 for 270k, but there is no installment plan, you don’t want to take a loan with an overpayment of + -100 thousand either.
   

Answer 1

1. Enough or not - depends on tasks. In this formulation of the question, the best answer is "XZ"
   
2. Taking an installment or loan for Apple equipment is a VERY bad idea. These are not cheap devices at all, and in case of breakdowns / loss, it can also become sadder. You can take such equipment in installments only in one case - this is a tool that will allow you to recoup ALL expenses + from above
   

Answer 2

i9 you hardly need.
You can look for a store where, when buying on credit, they give a discount exactly on the amount of the overpayment. As a result, such an installment loan is obtained.
If you have a Tinkov credit card, you can choose a store with appliances there, buy with a credit card and not pay interest. But the term is, of course, short.

Answer 3

If we are talking about MBP 16, taking into account all the comments, it is worth taking an MBP base + 32Gb Ram, under 3 ide 16gb it will be difficult ... At least you should definitely take 32 for growth right away. You definitely don’t need I9 (although the same storm can work in multi-thread, it is important only at the first indexing of the project, +10 seconds are not worth the overpayment, then the load is generally scanty), 512gb SSD for working with the head.
Regarding installments, I’m not from Russia, but I think that you have banks that allow you to transfer any purchase in installments, in Ukraine Alfa allows you to do this (perhaps you too). You just pay with a card, and in the application you transfer in installments without%. This is cool because you are not tied to stores and their conditions (when they add guarantees, services, etc.). The main thing is to check with the bank in advance whether it will be possible to transfer the purchase on the Apple website