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苹果的iPhone升级计划物有所值吗?

Is the Apple iPhone Upgrade Program Worth It?
苹果的iPhone升级计划物有所值吗?
1036字
2019-09-11 13:20
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苹果的iPhone升级计划物有所值吗?

It's official: Apple's iPhone 11, iPhone 11 Pro, and iPhone 11 Pro Max are its newest phones. And when they're released on September 20, many consumers might be wondering what's the best way to buy them.

官方消息:苹果的iPhone 11、iPhone 11 Pro和iPhone 11 Pro Max是其最新款手机。当在9月20日发布它们时,许多消费者可能会想知道买它们的最佳方式是什么。

Since 2015, Apple's iPhone Upgrade Program has provided an alternative option to paying a lump sum or waiting two years to get a new iPhone. The Apple service lets customers upgrade to a new iPhone each year, in return for a monthly payment and trading in their old iPhones when the 12 months are up. Apple has called it the "easiest way" to get a new smartphone.

2015年以来,苹果的iphone升级计划为一次性付款或等待两年才能获得新iphone提供了另一种选择。苹果的这项服务允许用户每年得到一部升级的新iPhone,作为用户相对应的,需要每月支付一定的费用,并在12个月后使用旧iPhone进行交易。苹果称这是获得新智能手机的“最简单方法”。

But with the iPhone 11, iPhone 11 Pro, and iPhone 11 Pro Max releases right around the corner, we wanted to put that notion to the test. Is Apple's iPhone Upgrade Program worth it? And is its promise of helping you get a new iPhone each year really best for your wallet? And if it's not, would options from AT&T or Verizon be even better?

但随着iPhone 11、iPhone 11 Pro和iPhone 11 Pro Max即将发布,我们想要将这一理念付诸实践。苹果的iPhone升级计划值得吗?它承诺每年帮你买一部新iPhone,这对你真的划算吗?如果不是,AT&T或Verizon的选择会更好吗?

Read on to find out:

继续往下读能够发现:

What is the Apple iPhone Upgrade Program?

什么是苹果的iPhone升级计划?

Apple's iPhone Upgrade Program spreads the cost of a new iPhone over a 24-month period. After 12 payments are made, however, customers can trade in their iPhones and get an Apple upgrade at that device's same two-year monthly charge.

苹果的iPhone升级计划将新iPhone的成本分摊至24个月。然而,在支付了12笔费用后,消费者可以用他们的iPhone进行交易,并以同样的两年月费获得苹果的升级。

Apple's upgrade program also sweetens the pot over offerings by mobile providers, like AT&T and Verizon, by bundling its AppleCare+ warranty into the deal. Apple's warranty is not free, though it lets iPhone owners easily fix certain defects and cosmetic problems at reduced rates.

与AT&T和Verizon等移动运营商相比,苹果的升级计划还通过将AppleCare+质保捆绑到协议中,为苹果带来了更大的收益。苹果的保修不是免费的,不过它让iPhone用户可以轻松地以较低的价格修复某些缺陷和外观问题。

In the U.S., Apple's iPhone Upgrade Program users can get phones that run on Verizon, AT&T, Sprint, or T-Mobile networks.

在美国在美国,苹果的iPhone升级程序用户可以获得运行Verizon、AT&T、Sprint或T-Mobile网络的手机。

How does the iPhone Upgrade Program work?

iPhone的升级程序是如何工作的?

To sign up for Apple's upgrade program, shoppers need to go to the company's website or to one of its retail stores. Currently, the program is only available with the latest iPhone models. Anyone wishing to use the program trade in an older iPhone model is out of luck. (But if you time it right, you can sell your old iPhone and get good value in return, which you can put towards buying a new iPhone.)

要注册苹果的升级计划,消费者需要登录该公司的网站或去零售店。目前,该程序仅适用于最新款的iPhone。任何希望用该程序交易旧款iPhone的人都不会心想事成。(但如果你把握好时机,你可以卖掉你的旧iPhone,获得不错的回报,你可以用这些钱买一部新iPhone。)

Once customers choose which new iPhone they want with Apple's upgrade service, they then need to choose the carrier network they want to use.

一旦消费者选择了他们想要的带有苹果升级服务的新iPhone,他们就需要选择他们想要使用的运营商网络。

Financially speaking, the iPhone Upgrade Program is a loan, which means Apple has partnered with Citizens Bank to front the money for the purchase. After customers input their Social Security numbers and dates of birth into Apple's system, Citizens performs a credit check.

从财务上讲,iPhone升级计划是一种贷款,这意味着苹果已经与Citizens Bank合作,预先支付购买iPhone的费用。消费者在苹果系统中输入他们的社会安全号码和出生日期后,公民就会进行信用检查 。

If all goes well on the credit check, customers are approved and they'll get their iPhones.

如果信用检查一切顺利,客户就会得到批准,他们就能拿到自己的iphone。

Now, all they'll need to do is make payments.

现在,他们只需要支付。

Those payments are based on which model of iPhone (and how much onboard storage) customers choose.

这些支付是基于用户选择的iPhone型号(以及机上存储空间)。

Here's a breakdown of iPhone Upgrade Program prices for the iPhone 11, iPhone 11 Pro, and iPhone 11 Pro Max:

以下是iPhone 11、iPhone 11 Pro和iPhone 11 Pro Max的iPhone升级程序价格明细:

  • iPhone 11 Pro Max 64GB: $54.08 per month
  • iPhone 11 Pro Max 256GB: $60.33 per month
  • iPhone 11 Pro Max 512GB: $68.66 per month
  • iPhone 11 Pro 64GB: $49.91 per month
  • iPhone 11 Pro 256GB: $56.16 per month
  • iPhone 11 Pro 512GB: $64.50 per month
  • iPhone 11 64GB: $35.33 per month
  • iPhone 11 128GB: $37.41 per month
  • iPhone 11 256GB: $41.58 per month
  • iPhone 11 Pro最大64GB:每月54.08美元
  • iPhone 11 Pro最大256GB:每月60.33美元
  • iPhone 11 Pro最大512GB:每月68.66美元
  • iPhone 11 Pro 64GB:每月49.91美元
  • iPhone 11 Pro 256GB:每月56.16美元
  • iPhone 11 Pro 512GB:每月64.50美元
  • iPhone 11 64GB:每月35.33美元
  • iPhone 11 128GB:每月37.41美元
  • iPhone 11 256GB:每月41.58美元

Does the iPhone Upgrade Program make sense, financially?

iPhone的升级计划在经济上有意义吗?

The big question that shoppers want to know is: Will the iPhone Upgrade Program actually save you money? The answer is, not really.

消费者想知道的一个大问题是:iPhone的升级程序真的能帮你省钱吗?答案是,不能。

The program's monthly payments include the full price of the iPhone that the customer is buying. For instance, to pay off the 64GB iPhone 11 Pro in full, customers would pay $1,197.84 over a two-year period. That covers the $999 customers would pay for the device, as well as the $199 charge for signing up to AppleCare+. Compared to paying for the iPhone 11 Pro and AppleCare+ in full, the iPhone Upgrade Program saves folks just 16 cents.

该程序的月付款包括用户购买iPhone的全价。例如,要全额付清64GB的iPhone 11 Pro,消费者需要在两年内支付1197.84美元。这包括999美元的用户支付,以及199美元的AppleCare+注册费用。与全额购买iPhone 11 Pro和AppleCare+相比,iPhone升级程序仅为用户节省了16美分。

People who don't typically protect their iPhones with AppleCare+ warranties would even find the iPhone Upgrade Program more expensive.

通常不使用AppleCare+保修来保护iPhone的人甚至会发现iPhone升级程序更贵。

But if you're clumsy, you might find the iPhone Upgrade Program to be a good deal, since AppleCare+ provides coverage for accidental damage and charges just $29 for a screen repair.

但如果你笨手笨脚,你可能会发现iPhone的升级程序很划算,因为AppleCare+为意外损坏提供了保险,屏幕维修只需29美元。

What are the alternatives to Apple's iPhone Upgrade Program?

苹果的iPhone升级计划有哪些替代方案?

There are plenty of ways to pay for an iPhone over time, and most of those options are offered by mobile carriers. These are the carrier-supplied deals that are among the most popular for iPhone users:

随着时间的推移,iPhone的付费方式有很多,其中大多数都是由移动运营商提供的。以下是运营商提供的最受iPhone用户欢迎的交易:

AT&T Next Up: Like Apple's iPhone Upgrade Program, AT&T's upgrade program Next Up requires customers make 50% of the payments on their 24-month installment plan, and then trade in their phones at the end of the 12-month period. But AT&T's program, which doesn't include AppleCare+, has a $5-per-month surcharge.

AT&T Next Up:和苹果的iPhone升级计划一样,AT&T的升级计划Next Up要求客户支付24个月分期付款的50%,然后在12个月的期限结束时交换手机。但是AT&T的程序,不包括AppleCare+,有每月5美元的附加费。

Sprint Early Upgrade: Sprint lets shoppers upgrade to a new iPhone after 12 payments, only if they've opted to join its Early Upgrade service within 30 days of the device's activation. Sprint's program, which doesn't include warranty service on a broken iPhone, also carries a $5-per-month surcharge.

Sprint早期升级:Sprint允许消费者在支付12次费用后升级到新iPhone,前提是他们在设备激活后30天内选择加入其早期升级服务。Sprint的这项服务不包括损坏的iPhone的保修服务,每月还会收取5美元的附加费。

T-Mobile Jump: After T-Mobile customers make 12 months worth of payments on a 24-month installment, they can upgrade to a new iPhone with T-Mobile Jump. Unlike its competitors, T-Mobile also provides damage coverage on the iPhone included in the device's monthly installment fee. The carrier also requires customers return their devices in good working condition after the 12-month period.

T-Mobile Jump:在T-Mobile客户支付了12个月的24个月分期付款后,他们可以用T-Mobile Jump升级到新的iPhone。与竞争对手不同的是,T-Mobile还提供iPhone的损害赔偿,包括在每月的分期付款中。此外,该运营商还要求客户在12个月后将设备完好无损地归还。

Verizon Annual iPhone Upgrade Program: Verizon's upgrade option also requires customers make 50%, or 12 months worth of payments, on a 24-month installment plan before they get a new iPhone. The program also requires that customers upgrading to a new iPhone trade in their existing phone within 30 days of the purchase of a new device. AppleCare+ also is not included in the offer.

威瑞森年度iPhone升级计划:威瑞森的升级方案还要求客户在购买新iPhone之前,先支付50%的费用,也就是12个月的分期付款。该计划还要求升级到新iPhone的用户在购买新设备后30天内更换现有手机。AppleCare+也不包括在报价中。

More must-read stories from Fortune:

《财富》杂志更多必读故事:

Apple admits breaking Chinese labor laws in the world's largest iPhone factory

—苹果承认在全球最大的iPhone工厂违反了中国劳动法

Apple Card review: A (mostly) rewarding way to pay—Apple’s AirPods business is bigger than you think

—苹果卡评论:苹果AirPods业务的一种(最)有回报的支付方式比拟想象的要多

—Apple accuses Google of ‘stoking fear’ over its recent account of an iOS hack

—苹果指责谷歌最近在对iOS黑客的描述上“激起恐惧”

—Someday, Apple may make your new iPhone out of pieces of your old iPhone

—有一天,苹果公司可能会用你的旧iPhone的碎片来制造你的新iPhone

Catch up with Data Sheet, Fortune’s daily digest on the business of tech.

《财富》(Fortune)科技行业每日文摘数据表。

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