10.0 Global Handset Financing Schemes

Global Financing

CONTENTS

Financing data

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readers assume full

INTELLIGENCE CENTRE

Region Country Financing scheme provider

Africa Zimbabwe TN Bank

Africa South Africa First National Bank

Africa Nigeria Core Group Africa

Africa Cameroon MTN Cameroon

Africa Egypt Mobinil

Africa Egypt Vodafone

Asia Pacific Australia Optus

Asia Pacific Australia Telstra

Asia Pacific Australia Vodafone Australia

Asia Pacific Singapore MobileOne

Asia Pacific Singapore SingTel

Asia Pacific Australia iiNet

Asia Pacific Australia Virgin Mobile

Asia Pacific South Korea KT Corp

Asia Pacific Japan Softbank Mobile

Asia Pacific Japan KDDI

Asia Pacific New Zealand Telecom New Zealand

Asia Pacific Indonesia Telkomsel

Asia Pacific Indonesia XL Axiata

Asia Pacific Indonesia Erafone

Asia Pacific Indonesia Oke Shop

Asia Pacific Malaysia DiGi

Asia Pacific Philippines Globe

Asia Pacific Thailand AIS

Asia Pacific Thailand DTAC

Asia Pacific India Everest International

Asia Pacific India Go Digital

Asia Pacific India Papillon Digitek

Asia Pacific India Paragon Telelinks

Asia Pacific India Phone Shop Lifestyle India

Asia Pacific India Dawar Open World

Asia Pacific India Madan Connectivity

Asia Pacific India Suraj Business

CONTENTS PAGE

Asia Pacific India Keep Talking

Asia Pacific India Magnet Telelinks

Asia Pacific India Mars Enterprises

Asia Pacific India Cellular World

Asia Pacific India Kings Electronics

Asia Pacific India Omkar Telecom

Asia Pacific India FoneMan

Asia Pacific India Voice Infocom

Asia Pacific India Harmony Audio Bombay

Asia Pacific India Solutions

Asia Pacific India Plus Business Machines

Asia Pacific India Phone Shop (Bandra)

Asia Pacific India Phone Shop (Colobra)

Asia Pacific India Phone Shop (Thane)

Asia Pacific India Swastik Mobile

Asia Pacific India Prime Collection

Asia Pacific India Rajmaxi (Ranger) Telecom

Asia Pacific India Siddham Marketing

Asia Pacific India S R Telecom (Santra Cruz, Khar)

Asia Pacific India S R Telecom (Vile Parle)

Asia Pacific India Kings Electronics

Asia Pacific India SSK Retails

Asia Pacific India Sadhana Stores

Asia Pacific India Phone World

Asia Pacific India Divine Cell Phone

Asia Pacific India KK Telecom

Asia Pacific India Vijaya Infra

Asia Pacific India Global IT Park

Asia Pacific India Metro Radio & Electronic

Asia Pacific India Lalwani Radio Services

Asia Pacific India Shri Jagdish Electronics

Asia Pacific India Sachin C Trading

Asia Pacific India Omega Electronics

Asia Pacific India T-10

Asia Pacific India The Mobile Store (some locations)

Asia Pacific India The Mobile Store (some locations)

Asia Pacific India Indiatimes

Asia Pacific India Nokia Priority Partners

Asia Pacific India Univercell







Asia Pacific Bangladesh Transcom Mobile

Asia Pacific Bangladesh Gadget & Gear

Asia Pacific Bangladesh Sb Tel Enterprise

Asia Pacific Pakistan United Mobile



Asia Pacific Nepal Ncell

Asia Pacific Nepal Ncell

Asia Pacific Sri Lanka Vayu







Eastern Europe Bulgaria Globul

Eastern Europe Bulgaria Mobitel

Eastern Europe Bosnia Mtel

Eastern Europe Estonia Elisa

Eastern Europe Estonia EMT

Eastern Europe Estonia Tele2

Eastern Europe Croatia Vipnet

Eastern Europe Croatia Tele2

Eastern Europe Latvia Tele2

Eastern Europe Latvia LMT

Eastern Europe Latvia Bite

Eastern Europe Lithuania Omnitel

Eastern Europe Lithuania Bite

Eastern Europe Lithuania Tele2

Eastern Europe Slovenia Si.Mobil

Eastern Europe Slovenia Tus Mobil

Eastern Europe Albania AMC

Eastern Europe Hungary T-Mobile

Middle East Jordan Zain

Western Europe Germany O2 Germany

Western Europe Germany E-Plus

Western Europe Greece Wind Hellas

Western Europe Netherlands Hi

Western Europe Netherlands Telfort

Western Europe Norway Netcom

Western Europe UK O2 UK

Western Europe UK O2 UK

Western Europe UK Vodafone UK

Western Europe France Bouygues

Western Europe France Free Mobile

Western Europe France Orange - Sosh

Western Europe Denmark TDC

Western Europe Denmark Telia

Western Europe Denmark Telenor

Western Europe Denmark Three

Western Europe Spain Yoigo

Western Europe Spain Vodafone

Western Europe Spain Movistar

Western Europe Sweden Telia

Western Europe Norway Telenor

Western Europe Norway Network Norway

Western Europe Finland DNA

Western Europe Finland Sonera

US/Canada US T-Mobile

US/Canada US Tracfone/StraightTalk

US/Canada US Verizon Wireless

US/Canada US MetroPCS

Source: Informa Telecoms & Media

Contract terms

Plan Contract length choice Contract lengths available

N/A Single contract length available 6, 12, 24

N/A Single contract length available 24



Star Smartphone Single contract length available 12

Any Single contract length available 12

Variety of contract lengths available 12, 24

Variety of contract lengths available 12, 18, 24


Take3 Variety of contract lengths available 12, 24

Single contract length available 24



i-Value Single contract length available 24




iPhone 5 plan Single contract length available 12

iPhone 5 plan Single contract length available 12

Installment payments using credit card Variety of contract lengths available 3, 6, 12

Installment payments using credit card Variety of contract lengths available 3, 6, 12

Easy Payment Plan Single contract length available 12

iPhone 5 plan Variety of contract lengths available 3, 6, 12, 24

iPhone 5 plan Variety of contract lengths available 10, 20

Installment payments using credit card Single contract length available 10

Blackberry devices Variety of contract lengths available 3, 6








CONTENTS PAGE




Nokia devices Variety of contract lengths available 3, 6















Variety of contract lengths available 3, 6, 9, 12


Samsung devices Single contract length available 6
























Variety of contract lengths available 3, 6, 9, 12, 18

Variety of contract lengths available 3, 6, 9, 12, 18


Symphony Mobile devices Variety of contract lengths available 3, 6

Nokia devices

Nokia devices

Nokia devices

Samsung Galaxy SIII Single contract length available 12

Samsung Galaxy SIII Single contract length available 12








Variety of contract lengths available 24









All inclusive Variety of contract lengths available 12, 24


Any Single contract length available 3, 6

My Handy Variety of contract lengths available 12, 24

MeinBase Single contract length available 24


Hi Toestellease Variety of contract lengths available 12, 24

Telfort Toestellease Variety of contract lengths available 12, 24


O2 Lease Single contract length available 12

O2 Refresh Variety of contract lengths available 12, 24

Vodafone Red Hot Single contract length available 12

B&YOU Forfaits Variety of contract lengths available 3, 12, 24



TDC Rate Variety of contract lengths available 6, 12, 24

Mobilaftale Fully flexible contract lengths 24

Smartaftale Variety of contract lengths available 6, 12, 24

3MobilAftale Variety of contract lengths available 6, 12, 24

Pago a Plazos Variety of contract lengths available 18, 24

Pago a Plazos Variety of contract lengths available 6, 12, 18, 24

A Plazos Variety of contract lengths available 12, 24






Equipment Installment Plan Single contract length available 20




Upfront fees

Separate service

contract

Mobile phones included in

scheme

Other devices included in

scheme SIM lock Currency Amount

Optional Smartphones only Tablets No ZWD

Obligatory Smartphones only Tablets No ZAR

Optional Smartphones only Tablets No NGN

Obligatory Smartphones only Tablets No XAF

Obligatory Smartphones only No USD 73.9955

Optional All mobile phones No EGP

Obligatory Smartphones only Yes AUD

Obligatory Smartphones only No AUD


Obligatory All mobile phones No SGD

Obligatory Smartphones only No SGD



Obligatory Smartphones only No KRW

Obligatory Smartphones only No JPY

Obligatory Smartphones only No JPY

Obligatory Smartphones only No NZD

Obligatory Smartphones only No IDR

Obligatory Smartphones only No IDR

Optional All mobile phones No IDR

Optional Smartphones only No IDR

Obligatory Smartphones only No MYR

Obligatory Smartphones only No PHP

Obligatory Smartphones only No THB

Obligatory Smartphones only No THB

Optional Smartphones only No INR








Optional All mobile phones No INR



Optional All mobile phones No INR 899










































Optional All mobile phones No BDT



Optional All mobile phones No PKR



Optional All mobile phones No NPR

Optional All mobile phones No NPR

Optional All mobile phones No LKR







Obligatory All mobile phones No BGN

Obligatory All mobile phones No BGN

Obligatory All mobile phones No BAM

Obligatory All mobile phones No EUR



Obligatory All mobile phones No HRK

Obligatory All mobile phones No HRK

Obligatory All mobile phones No LVL



Optional All mobile phones No LTL





Obligatory All mobile phones No ALL

Obligatory All mobile phones No HUF

Optional All mobile phones No USD 140.617

Optional All mobile phones No EUR 1

Obligatory Smartphones only Tablets No EUR 1

Obligatory All mobile phones Tablets No EUR

Obligatory All mobile phones Yes EUR

Obligatory All mobile phones Yes EUR

Obligatory Smartphones only No NOK

Obligatory Smartphones only Yes GBP

Obligatory Smartphones only No GBP

Obligatory Smartphones only Yes GBP

Optional All mobile phones No EUR



Obligatory All mobile phones No DKK

Obligatory All mobile phones Laptops No DKK

Obligatory All mobile phones No DKK

Obligatory Smartphones only No DKK

Obligatory Smartphones only Yes EUR

Obligatory Smartphones only Tablets Yes EUR

Obligatory All mobile phones Tablets Yes EUR

Obligatory All mobile phones Tablets Yes SEK

Obligatory Smartphones only No NOK

Optional All mobile phones No NOK



Obligatory All mobile phones Tablets Yes USD

Obligatory Smartphones only Yes USD

Optional Tablets Yes USD 65

Obligatory All mobile phones Yes USD

Interest rates

Payment

methods Insurance

Financing

partner

Partner

institution Interest rates APR

Early buy-out

available

Direct debit No Yes Econet Wireless Yes Yes

Direct debit Yes No Yes Yes

Direct debit No Yes Stanbic ITBC BankNo Yes

Direct debit Yes No No Yes

Credit card No No No Yes

Credit card No Yes Citi Bank No No

Direct debit No No No Yes

Direct debit Yes No Premium Care Mobile InsuranceNo Yes






Direct debit No No No No




Credit card No Yes Credit Cards from BCA, Mandiri or BNIYes No

Credit card No Yes Credit Cards from BCA, Mega, BNI, CIMB Niaga, Citibank, and HSBCYes No

Credit card No Yes Credit Cards from MandiriYes No

Credit card No Yes Credit Cards from Bank Mandiri, Citibank, BCA, UOB, Bank Mega, BII, Bank CIMB Niaga, Bank Permata, HSBC, Standard Chartered, BRI, ANZ & Bank DanamonYes No

Credit card No Yes Credit Cards - Maybankard Visa and Maybankard MasterCard Yes No

Credit card No Yes Credit Cards - Allied Bank/PNB, American Express, BDO, BPI, Citibank, EastWest Bank, HSBC, Metrobank, RCBC Bankard, Security Bank/Diners Club, and UnionBankYes No

Credit card No Yes Credit Cards Yes No

Credit card No Yes Credit Cards - SCB Yes No

Credit card No Yes CitiBank No No








Credit card No Yes CitiBank Yes 2% transaction fee for 3 months, 4% transaction fee for 6 monthsNo


















Credit card No Yes CitiBank Yes 2% transaction fee for 3 months, 4% transaction fee for 6 months, 14% transaction fee for 12 monthsNo

Credit card No Yes CitiBank Yes 14 No
















Credit card No Yes CitiBank Yes 2% transaction fee for 3 months, 4% transaction fee for 6 months, 6% transaction for 9 monthsNo

Credit card No Yes ICICI Bank Yes No



Credit card No Yes CitiBank Yes No

Credit card No Yes Axis Bank Yes No

Credit card No Yes Standard Chartered BankYes No

Credit card No Yes HSBC Bank Yes No

Credit card No Yes Kotak Bank Yes No

Credit card No Yes State Bank of IndiaYes No

Credit card No Yes BRAC Bank Yes No



Credit card No Yes Habib Bank Yes No

Credit card No Yes Muslim Commercial BankYes No

Credit card No Yes Faysal Bank Yes No

Credit card No Yes Nabil Bank Yes No

Credit card No Yes Bank of KathmanduYes No

Credit card No Yes HSBC Yes No

Credit card No Yes Bank of Ceylon Yes No

Credit card No Yes Sampath Bank Yes No

Credit card No Yes HNB Yes No

Credit card No Yes Seylan Bank Yes No

Credit card No Yes Commercial BankYes No

Credit card No Yes Standard CharteredYes No

Direct debit Yes No Yes Varies No

Direct debit No No Yes 0.03 No








Direct debit No Yes Trodeks No No

Direct debit No Yes No No








Credit card No Yes Arab Bank No Yes

Direct debit No Yes Muenchner Bank No Yes








Direct debit Yes No No No

Credit card No Yes Cofidis Yes 9.8 Yes

Direct debit No Yes Credit Agricole No Yes

Direct debit No Yes Francetel No Yes







Direct debit No Yes Finconsum No No







Credit card No Yes Walmart/GE Capital Retail BankNo No


Direct debit No Yes Billfloat Yes 36 No

Over-payment

options Device ownership

Yes Device owned by customer on final payment




No Device owned by customer on final payment





No Device returned at end of contract
























URL

http://www.telecompaper.com/news/econet-wireless-to-offer-mobile-device-finance-via-tn-bank--920347

https://www.fnb.co.za/promotions/smartphoneTabletOffer/index.html

http://www.stanbicibtc.com/NigeriaGroup/Home/Overview/Apple-iPAD-deal

http://www.mtncameroon.net/LoadedPortal ; http://fr.allafrica.com/stories/201103290877.html?viewall=1

https://www.mobinil.com/en/shop/offers-promotions/offers-promotions

http://www.vodafone.com.eg/vodafoneportalWeb/en/P1001164321291122566639

https://www.optus.com.au/shop/mobilephones/iphone/iphone5

https://onlineshop.telstra.com.au/?ti=TR:TR:Nov13:onlineshop:mobilesindex:icon:postpaid

http://shop.vodafone.com.au/mobile-details/samsung-galaxy-s3-16gb-white?lid=most-popular-phones:sgs3-16gb

http://www.m1.com.sg/take3/#about

https://info.singtel.com/personal/communication/apple/iphone5/price-plans

http://www.iinet.net.au/phone/mobile-phones/handsets

http://www.virginmobile.com.au/Shop/ProductDetails/12404/iPhone-5-16GB-4G-Wht

http://translate.google.com/translate?hl=en&sl=auto&tl=en&u=http%3A%2F%2Fshop.olleh.com%2Fweblogic%2FCellphoneDetailServlet%3Fproduct_code%3D3002059%26planType%3D39%23divFeePlanGuide

http://mb.softbank.jp/mb/iphone_en/price_plan/

http://www.au.kddi.com/english/iphone/ryokin/

http://store.telecom.co.nz/mobile/phone-options?handset=IPHONE5-BLACK-16GB&plan=smartphone39&term=12

http://www.telkomsel.com/iphone

http://www.xl.co.id/iPhone

http://www.erafone.com/how-to-pay

http://www.oke.com/id/index.php?controller=Promotion&id_promo=8

http://www.digi.com.my/PhonesDevices/iphone5.do?tab=paymentOptions&plan=2#paymentOptionsTab

http://www.globe.com.ph/iphone5-offers

http://www.ais.co.th/iphone/th/package/

http://www.dtac.co.th/en/device/apple/iPhone5.html

http://www.online.citibank.co.in/card-offers/exciting-emi-programmes.htm












































http://shopping.indiatimes.com/

http://www.nokia.com/in-en/

http://www.univercell.in/FAQ







http://www.bracbank.com/PayFlex-Program.php?drgn=2



http://www.unitedmobile.com.pk/banking-alliances.php



http://www.ictkhabar.com/telecom/187-ncell-introduces-samsung-galaxy-siii-in-nepal.html

http://www.ictkhabar.com/telecom/187-ncell-introduces-samsung-galaxy-siii-in-nepal.html

http://shop.vayugroup.com/pay-easy-with-monthly-instalment-schemes/







http://www.globul.bg/bg/promo.list.html?program=42

http://www.mtel.bg/ustroystva#device_type=1#per_page=15#text_params=0#price=0

http://www.mtel.ba/eshop-privatni/Telefon/334

https://www.elisa.ee/et/Eraklient/Pood/a/mobiiltelefonid

https://www.emt.ee/ul/minuemt_jaanuar/?utm_campaign=&utm_medium=-&utm_source=emt_avaleht

https://pood.tele2.ee/et/product/nokia-lumia-820

http://www.vipnet.hr/privatni-pretplatnici/mobilni-telefoni?p_p_id=wavetechHWDBnew_WAR_wthwdb&p_p_lifecycle=0&p_p_state=normal&p_p_mode=view&p_p_col_id=column-2&p_p_col_count=1&p_r_p_564233524_vrsta_ugovora=A&p_r_p_564233524_idmanu=&_wavetechHWDBnew_WAR_wthwdb_search_items_per_page=10&_wavetechHWDBnew_WAR_wthwdb_page=&_wavetechHWDBnew_WAR_wthwdb_range=DATUM&p_r_p_564233524_trajanje_ugovora=24TN

http://www.tele2.hr/privatni-korisnici/mobiteli/svi-mobilni-telefoni/f0/

http://www.tele2.lv/privatpersonam/pakalpojumi/telefoni/visi/telefoni---visi-razotaji/samsung-e2530/order/

http://www.trodeks.lv/lv/telefoni/

http://www.bite.lv/lv/devices/SAME3210

https://order.omnitel.lt/telefonai/zte-s202/

http://www.bite.lt/lt/privatiems/telefonai/

http://mob.tele2.lt/lt/telefonai_privatiems

http://www.simobil.si/sl/actions.cp2?cid=A9494F8F-2998-7004-7FFB-0139CE395FCD&linkid=pnt

http://www.tusmobil.si/mobilni-telefoni.html

http://www.amc.al/al/Telefona-Premium-967/blackberry-curve-9300-me-planet-all-inclusive-1008 and http://www.amc.al/al/c/244/Telefonat-Celulare

http://www.telenor.hu/akcio/mobilok-10-forintert?bp_medium=belsopromo&bp_source=mainpromo_nyito&bp_campaign=keszulekvasarlas&bp_term=Egy%C3%A9ni%20nyit%C3%B3%20prom%C3%B3&bp_content=lakossagi&bp_referal=www.telenor.hu

http://www.jo.zain.com/english/consumer/voice/postpaid/general/Pages/Payment-Methods.aspx

http://www.o2online.de/hilfe/handys/handy-ratenkauf/

http://www.base.de/

www.wind.com.gr

http://www.hi.nl/Abonnementen/Voor-je-mobiel/Hi-ToestelLease.htm

http://shop.telfort.nl/toestellease/

https://shop.netcom.no/

http://www.o2.co.uk/business/products-and-services/mobile-and-tablets/o2lease

http://www.o2.co.uk/refresh

http://www.vodafone.co.uk/shop/pay-monthly/vodafone-red-hot/index.htm

https://www.b-and-you.fr/telephones-mobiles.html

http://mobile.free.fr/assistance/188.html

http://shop.sosh.fr/telephones-portables

http://inspiration.tdc.dk/element.php?dogtag=p_ins_rate

http://telia.dk/mobil/kundeservice/spgogsvar/mobilaftale

http://www.telenor.dk/privat/mobil/mobil/smartaftale/

http://www.3.dk/Privat/Mobil/3Mobilaftale/

https://tienda.yoigo.com/selforder/

http://www.vodafone.es/particulares/es/moviles-y-fijo/servicios/financiacion/

http://www.movistar.es/particulares/movil/servicios/ficha/a-plazos

http://www.telia.se/privat/mobilt/mobiltelefoner/

https://nettbutikk.telenor.no/Mobil#!

http://webshop.nwn.no/wsp/microshop/frontend.cgi?func=frontend.show&func_id=100018&template=list_products_par3&table=&open=100018&selection=100018&top_cat=1&curr_cat=100018&product_type=

https://kauppa.dna.fi/puhelinjaliittyma

http://www.sonera.fi/puhelin+ja+liittyma

http://support.t-mobile.com/docs/DOC-1674

http://iphone.straighttalk.com/

http://www.fiercewireless.com/story/verizon-quietly-debuts-financing-plan-ipad-android-tablets/2012-10-18

https://www.billfloat.com/learnmore/installments?partner=metropcs

http://translate.google.com/translate?hl=en&sl=auto&tl=en&u=http%3A%2F%2Fshop.olleh.com%2Fweblogic%2FCellphoneDetailServlet%3Fproduct_code%3D3002059%26planType%3D39%23divFeePlanGuide

http://www.amc.al/al/Telefona-Premium-967/blackberry-curve-9300-me-planet-all-inclusive-1008 and http://www.amc.al/al/c/244/Telefonat-Celulare

http://www.telenor.hu/akcio/mobilok-10-forintert?bp_medium=belsopromo&bp_source=mainpromo_nyito&bp_campaign=keszulekvasarlas&bp_term=Egy%C3%A9ni%20nyit%C3%B3%20prom%C3%B3&bp_content=lakossagi&bp_referal=www.telenor.hu

http://webshop.nwn.no/wsp/microshop/frontend.cgi?func=frontend.show&func_id=100018&template=list_products_par3&table=&open=100018&selection=100018&top_cat=1&curr_cat=100018&product_type=

Documents

10.0 Global Handset Financing Schemes