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-   -   The Watch Thread - Part 16 (https://forums.hardwarezone.com.sg/fashion-grooming-235/watch-thread-part-16-a-6275547.html)

en_8_en 14-06-2020 06:08 PM

Quote:

Originally Posted by kaixin18 (Post 127758759)
$2600 before cpf.



my salary is $2600 before cpf. which credit card can i apply for and if i buy a rolex within $10,000 then how does the credit card repayment work?


There are some 12 months 0% installment plans offered, but the "interest" would already have been factored in the sale price (for dealers, sometimes the price you see is on cash terms only, if pay by card will incur some mark up)

I've only used those 0% installment plan, so the price is fixed and transparent. I shall leave the more experienced ones to provide their advice.

On a side note, 2600 before CPF, I would suggest being more prudent on the cash, have some set aside for investments and emergency funds first. But it's your itch to scratch - if you really like the watch, and so does your fiancé, feel free to go for it, so long it doesnt affect your lifestyle or cause mental stress on loan servicing.

Cheers

Melvyn_ 14-06-2020 06:22 PM

Quote:

Originally Posted by kaixin18 (Post 127758759)
$2600 before cpf.



my salary is $2600 before cpf. which credit card can i apply for and if i buy a rolex within $10,000 then how does the credit card repayment work?


Not trying to diss or pour cold water, but having a monthly salary of $2,600 furthermore is before cpf, you are close to only 2k net every month. You plan to dump almost half of your annual salary into a luxurious watch? Can consider looking at other brands that would not require you for Installment. Anyway just for your information, Installment requires you to have a credit card limit of 10k if you wish to swipe for "Installment". Since your annual barely pass the minimum wage of 30k p.a, your credit card limit would definitely not be able to touch 10k per month.

peaceheart 14-06-2020 06:26 PM

Quote:

Originally Posted by mobiken (Post 127757467)
Don't know why I'm into omega recently.. Since no one here agreed on the 007 series how abt anyone own the speedmaster dark side? I got an offer too but nt sure shd I hoo it..

Sent from Samsung SM-G973F using GAGT

Like what others had advised, buy what you like.
I like 2254.50 and own a dynamic 1997

paul02 14-06-2020 07:29 PM

I advise anyone who wants to buy a watch but doesn’t have the money to make a plan to save for a couple of months or years before making the purchase. At least that’s what I did.

cyrenic 14-06-2020 07:44 PM

Quote:

Originally Posted by kaixin18 (Post 127758759)
$2600 before cpf.
my salary is $2600 before cpf. which credit card can i apply for and if i buy a rolex within $10,000 then how does the credit card repayment work?

My honest advice is to just find bargain pieces like a Seiko 5, or G shock, or Orient pieces.I started out with a SNZG15 when I started work.. You don't need to buy a Rolex to get into this hobby. I have one, but I would also be OK if I didn't have it..

Debt is a snowball that builds up easily. Seen a lot of friends collapse under the weight because they went too fast too far. Better to walk on secure ground. Cheers.

Kyo_kusanagi86 14-06-2020 08:08 PM

Quote:

Originally Posted by kaixin18 (Post 127758759)
$2600 before cpf.



my salary is $2600 before cpf. which credit card can i apply for and if i buy a rolex within $10,000 then how does the credit card repayment work?

Possible to repay a $10-12k Rolex within 1 year. After CPF you will have $2080.

Just put aside $1k for the watch payment every month. Should be able to pay off with 1 year. I would say this period is the best time to buy, as the more you delay, the more expensive rolex going to be year after year.

Get a loan from your Parents of $10-12k then slowly pay them back... interest free somemore.

YOLO bro.

cyrenic 14-06-2020 08:08 PM

Quote:

Originally Posted by rboyboy (Post 127754109)
https://i.imgur.com/m8ageJk.jpg

Seiko Presage Irish Coffee

That's a very beautiful dial.

Shyn85 14-06-2020 08:34 PM

Quote:

Originally Posted by kaixin18 (Post 127758759)
$2600 before cpf.



my salary is $2600 before cpf. which credit card can i apply for and if i buy a rolex within $10,000 then how does the credit card repayment work?

My first branded watch is Longines when I earn $2650... anyway you still can effort a Rolex if you have zero debt, you can try DBS black card, this card allow you to transfer to 0% installment plan without any processing fee. And the credit card limit is 4x of your salary, so good luck man!

slow_mo 14-06-2020 09:00 PM

Quote:

Originally Posted by kaixin18 (Post 127758759)
$2600 before cpf.
my salary is $2600 before cpf. which credit card can i apply for and if i buy a rolex within $10,000 then how does the credit card repayment work?

Do take into consideration if your job is stable under the current situation. Unless you have good backing, else get something more value for money.

Maybe 10% of your annual salary for your hobbies.

rboyboy 14-06-2020 10:06 PM

Quote:

Originally Posted by cyrenic (Post 127761794)
That's a very beautiful dial.

thanks,need to see it in person to admire the details. :)

hwaa 15-06-2020 05:38 AM

2.6k gross barely just cross the 30k mark, not sure if its easy to get a cc.

different people different opinions, just do what u feel its right.

probably can start off with a mid tier luxury watch then slowly go up level.

hwaa 15-06-2020 05:41 AM

Quote:

Originally Posted by mobiken (Post 127757467)
Don't know why I'm into omega recently.. Since no one here agreed on the 007 series how abt anyone own the speedmaster dark side? I got an offer too but nt sure shd I hoo it..

Sent from Samsung SM-G973F using GAGT

buy first and start wearing it.

jedi_1601 15-06-2020 07:42 AM

Monday Blue

https://i.imgur.com/XV3fVgT.jpg

Shyn85 15-06-2020 08:00 AM

My first expensive watch, year 2014.

https://i.imgur.com/JQvKlOu.jpg

peaceheart 15-06-2020 09:28 AM

Quote:

Originally Posted by Shyn85 (Post 127769023)
My first expensive watch, year 2014.

https://i.imgur.com/JQvKlOu.jpg

Mine, sinn 656
https://i.imgur.com/D7zwvNwl.jpg


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