Financing Apple products: Black Friday in K-tuin

Apple interest-free financing

And K-garden, during Black Friday we have a special financing in up to 24 months with a 0% TAE

How to finance Apple products on Black Friday? Now you can finance Apple products interest-free: iPhone, iPad, Mac, AirPods, Apple Watch, HomePod and HomePod mini. If you have any questions, in this post we clarify them all.

How to finance Apple products on Black Friday?

You can finance Apple products on Black Friday in convenient installments and without interest In a super simple way, you can get fast financing both online and in our stores.

  1. On our website, add the Apple devices on Black Friday that you want to the cart.
  2. Click on “continue with the purchase”
  3. Choose the payment method “CETELEM FINANCING”.
  4. Next, the page will redirect to the financing process, here you can do the interest-free financing in a simple and online way.
  • If you are already a Cetelem customer, you will only need accept Apple product financing by entering a PIN code that you will receive by SMS on your iPhone.
  • If you are not a Cetelem customer, you can finance Apple devices just as fast presenting the documents that we explain in the next section.

Financing Apple Black Friday products: What do I need?

Make a financing Apple products in K-tuin is very easyIf you are not a Cetelem client, don’t worry, you will only need these documents:

  1. Photocopy of DNI on both sides (or original DNI if you want to finance in Apple physical store) In case of being a resident foreigner, you will need the residence card along with the signed official identity document of your country or the valid passport).
  2. Proof of your income (If you are an employee: last payroll, if you work as a self-employed person: last income statement or, if you are a pensioner: pension revaluation letter).
  3. First page of your Bankbook or a direct debit receipt showing the IBAN code and the account holder (It will have to be the same person who applies for the financing of Apple products on Black Friday).

Financing Apple products on Black Friday has never been easier!

Financing Apple Black Friday products How to calculate the fee?

If what you need is calculate Apple product financing fees on Black FridayIt is very simple, you can even calculate it before adding your purchase to the cart.

When you are inside the Apple product on our website, under the “buy” button there is a section with Apple product financing options, click “+ info” and a quota calculator will appear on your screen.

Now you can Calculate Apple Product Financing with Cetelem quickly and easily.

Financing Apple Black Friday products: Frequently asked questions.

Next, we will solve the most frequent doubts regarding the finterest-free financing Apple on Black Friday.

¿What amount can I choose in Apple interest-free financing?

The minimum amount to be financed is ≥ € 90 and the minimum monthly payment is ≥ € 12 with a TIN AND APR AT 0%.

This means that you will pay only what your Apple device costs on Black Friday, in addition, in comfortable terms. You will not pay a euro more!

¿When will i start paying Apple interest-free financing?

We will process the first receipt to your bank account on the 5th of the month following the financing. If the financing has been made between the 25th and 31st, the first receipt will be sent on the 5th of the 2nd month in which the financing has been made in Apple interest.

If you have any doubt with Apple interest-free financing on Black Friday, you can contact through the chat that appears during the financing process, by calling the phone number 917 90 97 38 or through the following email: ecommerce@cetelem.es

You have all the information about Apple product financing terms with Cetelem at this link.

What are you waiting for? Finance Apple devices on Black Friday It’s very easy and fast. We will wait for you!

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Black Friday 2020 | Buy iPhone 12 for less than 100 dollars | Trick | Smartphone | Cell phones | Apple | Tutorial | United States | Spain | Mexico | Peru | NNDA | NNNI | DATA

1 of 4

Black Friday 2020 arrived and many offers have been launched around the world. One of them is those that have various operators in the United States around the iPhone 12-Did you know that you can get it totally free? Without a doubt, it is one of the things you should know right now in order to release the Cupertino cell phone. How to do it? Here we will explain it to you. (Photo: Apple) “class =” story-content__gallery-img w-full “importance =” high “/>
Apple 12

The Black Friday 2020 arrived and many offers have been launched around the world. One of them is those that have various operators in the United States around the iPhone 12-Did you know that you can get it totally free? Without a doubt, it is one of the things you should know right now in order to release the Cupertino cell phone. How to do it? Here we will explain it to you. (Photo: Apple)

2 of 4

<img src="https://elcomercio.pe/resizer/jYxxP0ekydc1WCEQBrHixKzEAj8=/980×0/smart/filters:format(jpeg):quality(75)/cloudfront-us-east-1.images.arcpublishing.com/elcomercio/XP4SSSEGLFFUBA4KJNGDLSEI4M.jpg" alt="La empresa de telefonía AT&T has signed an agreement with Apple so they can get a iPhone 12 totally free. How? Well, for leaving your old cell phone from Cupertino you can receive up to US $ 800 in voucher, which would allow you to access the iPhone 12 Mini or the iPhone 12 in its standard version. To access this offer, you must be an AT&T customer in the United States and you must have an unlimited data plan and continue with the operator for 30 months with an installment payment plan. (Photo: Apple) “class =” lazy story-content__gallery-img w-full “importance =” low “/>
iPhone 12

The telephone company AT&T has signed an agreement with Apple so they can get a iPhone 12 totally free. How? Well, for leaving your old cell phone from Cupertino you can receive up to US $ 800 in voucher, which would allow you to access the iPhone 12 Mini or the iPhone 12 in its standard version. To access this offer, you must be an AT&T customer in the United States and you must have an unlimited data plan and continue with the operator for 30 months with an installment payment plan. (Photo: Apple)

3 of 4

<img src="https://elcomercio.pe/resizer/CcSDVVD-nS9WBUxZvFKsylwbS-o=/980×0/smart/filters:format(jpeg):quality(75)/cloudfront-us-east-1.images.arcpublishing.com/elcomercio/63DBZMPRV5A3XMDCBMAYPGR5RI.jpg" alt="Otra oferta por Black Friday 2020 sobre el iPhone 12 is the one with the company T-Mobile. The company offers its owners that if they have an iPhone 11 Pro or 10 XS they can get an exchange of US $ 850 and a credit of US $ 680 to the owners of older iPhone models in the case of new customers. Of course, to have the expected device, you must have an unlimited data plan, which is the most expensive in the company. You dare? (Photo: Apple) “class =” lazy story-content__gallery-img w-full “importance =” low “/>
iPhone 12 Mini

Another offer for Black Friday 2020 on the iPhone 12 is the one with the company T-Mobile. The company offers its owners that if they have an iPhone 11 Pro or 10 XS they can get an exchange of US $ 850 and a credit of US $ 680 to the owners of older iPhone models in the case of new customers. Of course, to have the expected device, you must have an unlimited data plan, which is the most expensive in the company. You dare? (Photo: Apple)

4 of 4

<img src="https://elcomercio.pe/resizer/vodY24QB_6sGa–Z7X8zobJ_32k=/980×0/smart/filters:format(jpeg):quality(75)/cloudfront-us-east-1.images.arcpublishing.com/elcomercio/ZP6YNKLCQREBRII2FRHY7JNRYM.jpg" alt="La empresa Verizon also has an offer on the iPhone 12. The company gives you a voucher for $ 800 as long as you leave your iPhone X or a newer one as collateral. But not only that, you must also be a new customer or add a new line. The device has a Retina OLED screen, A14 processor, 64 GB of storage, 12 megapixel dual cameras, among other details. (Photo: Apple) “class =” lazy story-content__gallery-img w-full “importance =” low “/>
iPhone 12

The company Verizon also has an offer on the iPhone 12. The company gives you a voucher for $ 800 as long as you leave your iPhone X or a newer one as collateral. But not only that, you must also be a new customer or add a new line. The device has a Retina OLED screen, A14 processor, 64 GB of storage, 12 megapixel dual cameras, among other details. (Photo: Apple)

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Do you know how much it costs to make an iPhone 12? You will be surprised by its price | Smartphones

The new Apple mobile devices were officially launched on October 13, 2020. Its most prominent device for being the standard of the range is the iPhone 12 for value for money. The new models have come in four variants, 12 Mini, 12, 12 Pro and 12 Pro Max, featuring a new processor, improvements in cameras and 5G connectivity. Their price is always on everyone’s lips due to how expensive they are. Today we leave you with an investigation that shows how much it costs the company to actually make this smartphone.

Just the price of a mid-range mobile

Like every year, the experts they have disassembled the iPhone 12, in order to calculate the real cost of its components, in addition to knowing the degree of ease of repair. Once all its components had been analyzed, the experts came to verify that the iPhone 12 components add up to a total of $ 373 cost, about 313 euros to change. It is a price that, equivalent to Android mobiles, would correspond to a mid-range. The sale price of the iPhone 12 is 909 euros in Spain, in its most basic version of 64GB. As you can see, it is 1/3 of the device’s store sale price.

Cost of manufacturing an iPhone 12

iFixit

In terms of major components, here are the prices of the iPhone 12 parts as estimated by experts:

  • OLED panel of the iPhone 12 – 59 euros per unit
  • iPhone 12 Bionic A14 chip – 33.5 euros per unit
  • SK Hynix DRAM – 11 euros per unit
  • Samsung Electronics flash memory – 16 euros per unit
  • Sony CMOS – 6.2 – 6.6 euros per unit

However, we must bear in mind that experts mainly analyze only material costs. However, material costs are affected by the rate of return and the actual cost must be greater than this data. At the same time, Apple’s costs in R&D, operations and marketing, as well as its investment in the industrial chain, are far from being reflected in these figures.

Also, the component suppliers for different mobile phones may be slightly different. Apple for the same component can work with different companies, since most are usually common components that are not manufactured by just one.

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iPhone SE Plus: Apple in search of its cheapest phone to date

Apple’s diversification strategy has proven effective: launching four iPhone 12 models (mini, standard, Pro and Pro Max) has spurred sales like never before, mainly due to the variety of prices offered. Thus, those of Cupertino were forced to increase production by two million units to meet the initial demand. What’s more, the analysis community has raised its prediction of terminals to be distributed until the end of the year from 75 to 90 million (iPhone 12 bookings have doubled those of its predecessor).

All in all, Apple would seek to establish itself in the disputed segment of the mid-range, dominated by Chinese manufacturers such as Xiaomi, Oppo, realme or Vivo. The renewed iPhone SE was a good start, but the multinational wants to go a step further with a ‘Plus’ version. This is assured by one of the most respected analysts, Ming-Chi Kuo, whose degree of success with the bitten apple is beyond doubt.

According to Kuo, the iPhone SE Plus was scheduled to launch this year, but the pandemic and the traffic jam in the production chains would have forced it to be postponed. Especially after the irruption of the iPhone 12 family, in which Cook has focused efforts to conquer the imminent Christmas campaign.

Kuo thus suggests that the new iPhone SE will arrive in the first half of 2021, without ruling out that it ends up being delayed to the second trimester. As its own nomenclature indicates, it will offer a larger screen than its little brother, of between 5.5 and 6.1 inches. This will not prevent it from selling at a lower price, ranking according to the source as the cheapest iPhone to date.

Where is the trick? We would of course speak of a panel LCD almost without frames, taking advantage of the iPhone XR body and moving the sensor Touch ID al botón lateral startup (in the style of the new iPad Air). Obviously we do not expect the company’s facial recognition system, but we do expect a state-of-the-art processor (A14 Bionic).

Regarding the cameras, the sources speak of a change of supplier that would mean significant savings in the costs of manufacturing and marketing the device. Faced with the usual Taiwanese firms (Largan and Yujingguang), Apple would give in to offers from Sunny Optical Technology, a company heavily affected by the US sanctions on its main client (Huawei).

All of the above would make the iPhone SE Plus a worthy candidate for best seller in Asian markets or those where the mid-range prevails (like Spain). This in the absence of confirming the rest of its specifications, such as compatibility with 5G networks or wireless charging (MagSafe through).

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Apple wants to remove the last port that remains alive from the iPhone 13 | Smartphones

It is not the first time we have heard such information but, unlike other times, now there are reasons to think that Apple is considering eliminating the only port that is healthy to your iPhone: the Lightning. The one to which we connect the charger and to which, until recently, we also plugged the Earpods through the famous 3.5mm minijack adapter.

But since 2016, Apple’s policy has been directed towards a destination where the phone will only be able to communicate with the outside world through its wireless connections, leaving the wiring for the history books. So by 2021 it is very possible that, if not all, if some of the iPhone 13 that reach the market will do so without that connector at the bottom, so it will only be possible to recharge it through a wireless base or, of course, with an official Californian MagSafe accessory.

Progressive elimination

According to sleepless the best-known analyst of the Apple environment, Ming-Chi Kuo, those of Tim Cook already have on the table the development of an iPhone 13 that won’t have any charging ports to plug in any cables, of no standard. Neither Lightning nor, of course, USB-C. This is a full-blown elimination that would leave us the only option to recover the battery from wireless technologies.

iPhone connected to a Lightning cable. Unsplash

As we tell you, it would not be a complete and sudden transformation but rather the launch of one of the iPhone 13 with this feature that, according to them leakers (including the famous Jon Prosser), the fate would fall on the Pro Max. The largest and most expensive model you would happen to remove from your box, too, the Lightning to USB-C cable They have brought the latest iPhone 12 to replace it with another with a MagSafe end. In the style of the Apple Watch.

Although this feature has already been rumored to become a reality with this year’s iPhone 12, the truth is that circumstances could have helped Americans to be more conservative and introduce the changes a generation later, in 2021. At last and last. cape, the seed of that decision is already planted in the market and is called MagSafe. When these iPhone 13 reach the stores, these accessories will already have a year behind them and future buyers will have cheaper alternatives, from third parties, to replace the traditional charger.

It is a movement similar to the one that occurred in 2016 when Apple removed the headset connector from its iPhone 7 from the map and, simultaneously, presented its new Airpods wireless that made millions of users forget about that controversial decision.

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The Xbox Series X controller will be compatible with the iPhone and iPad

Soon you will be able to use the Xbox Series X controller on your iPhone or iPad

Through the support website of Apple it has been learned that the company is working together with Microsoft to offer compatibility with the controls of Xbox Series X y Xbox Series S for iOS and iPadOS devices, that is, for iPhone and iPad.

Also, on the support website of Microsoft reference is also made to this topic. There it is said that both companies are working hard to bring compatibility for the X Series control to users in a future update.

Of course, this shows that Apple is willing to bring support for new controls to its devices. In fact, this week with the release of iOS 14.3 for developers, a chain of code was discovered showing signs of compatibility with it. Dual Sense de PlayStation 5.

On the other hand, there is also a background to the beginning of the year, in which Apple worked with Microsoft on something similar, providing support for the Xbox Elite 2 controller to their devices. This process took both companies almost a year of development, but this time it is expected to be in less time.

With information from Apple

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Apple: which iPhone models will no longer be able to update to iOS 15?

Every year, Apple regularly updates its operating system for mobile devices. In September, for example, those from Cupertino presented iOS 14, a software that left aside several devices such as the iPhone 5s., iPhone 6., iPhone 6 Plus.

As detailed by Movilzona, a portal specialized in technology, the company founded by Steve Jobs is working on iOS 15, and they would already have the list of equipment that will be compatible, as well as those that cannot be updated.

According to the publication, the iPhone 6s Y iPhone 6s Plus (presented in September 2015), as well as the iPhone SE (the ‘budget’ phone released in March 2016) will stay on iOS 14. What devices will they update?

1. iPhone 12 Pro Max

2. iPhone 12 Pro

3. iPhone 12 mini

4. iPhone 12

5. iPhone 11

6. iPhone 11 Pro

7. iPhone 11 Pro Max

8. iPhone XS

9. iPhone XS Max

10. iPhone XR

11. iPhone X

12. iPhone 8

13. iPhone 8 Plus

14. iPhone 7

15. iPhone 7 Plus

16. iPhone SE (second generation introduced in 2020)

It is worth noting that the iPhone 12 successor (in its various models) would come with iOS 15, since Apple usually makes an event first to launch its operating system, and then another, where it shows its new mobile devices.

IOS 14 Features

During the WWDC 2020, those of Cupertino presented their new operating system that included several features, such as ‘Widgets in the home’, ‘Picture in Picture’, app library, improvements in Siri and memojis, among others.

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Expensive and very slow loading: is Apple’s MagSafe Duo worth it? | Lifestyle

It’s not a good year for Apple, at least if we look at what happened around the crashed launch of the new iPhone 12 and the numbers they have shown in terms of battery and autonomy. In addition, many analysts have come to reveal that the company was aware of these problems but the emergence of 5G was not in doubt, despite the fact that its technology was not prepared for an increase in consumption.

MagSafe Duo Charge de Apple. Apple

But of course, if we have little autonomy but at least the fast charge allows us to fill half a battery in a few minutes, the harm is not so much. But Nor in that field, in that of the chargers, Tim Cook’s have been fineNot only did they remove the power adapter from the box, but in some tests, their MagSafe accessories are not exactly racing cars.

The duo charger, on the wire

In that keynote from October 13 Apple showed the world an ingenious MagSafe wireless charger that was especially interesting to take on a trip, or to work, and that allows us to have a double charging device for an iPhone and an Apple Watch at the same time. On paper sounds like a brilliant idea but can you get us out of a bind when we have the battery shivering? Well, from the data we have known, no.

Apple notice on MagSage Duo page.
Apple notice on MagSage Duo page.

It seems clear that this MagSafe Duo is not going to get us out of any trouble if what we need is speed since the accessory specifications recognize that to achieve a charging speed of 11W we will need a 20W power adapter. Remember that no phone comes in the box, so we will have to add to the 149 euros that this accessory costs double, the purchase of a charger that will cost us 25 euros.

That is to carry a discreet charger on the move, with a speed normality, we will have to pay 174 euros although if we feel happy that day, we can always go a step further and, instead of those 11W, reach 14 thanks to the 27W adapter that Apple recommends to go up to those speeds and that, paradoxically, still does not sell. The closest thing is an accessory that reaches 30W and that has a price of 55 euros. So if we go for this second faster alternative, the price of pack it shoots us up to 204 euros. With these data on the table, without a doubt, it is clear that there are better alternatives on the market for much less money. Do you think it compensates?

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Activist group Noyb sues Apple in Spain

Steve Jobs’ popular American company Apple has been sued by the activist group Noyb (None of Your Business). A few months ago, this association already defeated Facebook in a legal war and now seeks to denounce the illegal capabilities of the so-called Apple Identifier for advertisers, a user tracker that would work on all the company’s devices without the consent of its customers.



Noyb (None of Your Business), a group of activists that make up the so-called European Center for Digital Rights has sued Apple against data protection regulators in Spain and Germany. From the body chaired by Maximilian Schrems they denounce the illegal capabilities of the Apple Identifier for advertisers (IDFA).

This tracking code would allow Steve Jobs’ company to track users through all the brand’s phone applications. This practice help them collect customer information based on their online behavior and through the use of the mobile. “As with cookies, this would require the consent of users according to EU law. Apple places these tracking codes without the knowledge or consent of the users”, Explains Noyb through his website.

Thus, they have prepared two claims: One filed before the Berlin Data Protection Authority (Germany), and another before the Spanish Data Protection Authority. The reason as to why filing complaints in these two countries is purely practical, and it is that this would allow them to avoid the intervention of the European Union and, in this way, speed up judicial processes.

“As the complaint is based on article 5 (3) of the Electronic Privacy Directive and not on the RGPD [Reglamento General de Protección de Datos], Spanish and German authorities can directly fine Apple, without the need for cooperation between the EU data protection authorities, as established in the RGPD ”, they maintain.

It is an advantage on which he has known how to act Stefano Rossetti, the privacy attorney at Noyb: “These cases are based on the” old “cookie law and do not activate the cooperation mechanism of the GDPR. In other words, we are trying to avoid endless procedures. “

The objectives of the lawsuit

The activists’ lawsuit in Spain identifies Apple Inc. as a defendant, which includes all iPhone devices and iOS operating system. The problem already mentioned and known as IDFA, is collected in the letter as follows: “[…] it’s like a “digital license plate.” Each action of the user can be related to this «registration», and be used later to build a detailed profile about it, its preferences and behavior ”.

Extract from the lawsuit. / Noyb

They also add that “this profile and preferences can then be used to direct personalized advertising, purchases from applications (in-app purchases), promotions, etc. When compared to traditional internet identifiers, the IDFA is simply a “tracking identifier” on a mobile phone, instead of a tracking identifier in a browser cookie ”.

With this in mind, Noyb aims to get Apple to remove IDFA from all its devices, without this depriving them of facing a sanction. They also allege that they remain transparent regarding the measures to be implemented. Finally, they urge the providers of intermediation services, “those in charge of data transmission over telecommunications networks”, to take the necessary measures to prevent the company from accessing the data obtained in Spain through the IDFA.

Noyb vence a Facebook

Through its website, Noyb defines himself as an advocate of privacy. “Noyb follow the idea of ​​a specific and strategic litigation to strengthen your right to privacy. We will also use public relations and media initiatives to emphasize and ensure your right to privacy without having to go to court”, They specify.

Maximillian Schrems, president of the activist association, fought Facebook in a legal war a few months ago. He alleged that his personal data, transferred to the North American servers, they were not protected as a European citizen. After his battle, a sentence was handed down by which the Court of Justice of the European Union would end up agreeing with him.

In this way, the so-called privacy shield is now invalid. This allowed personal data to be transferred between the European Union and the United States since 2016, but the court ended up declaring that “it was not enough”, because there can still be “interference in the fundamental rights of people.”

New Law on Digital Services in Europe

In line with the events that occurred and with the abrupt growth of search engines, e-commerce, social networks and, in essence, digital life, the European Parliament seeks to change current regulations. This one, referring to the Directive on electronic commerce in the year 2000, remains almost unchanged despite the evolution of the environment.

European Parliament.

They seek, thus, to launch the call Digital Services Law, with which they intend to regulate online platforms. Among other characteristics, the following guidelines are included in the new regulations: “Foreign providers of digital services must respect European standards”, Better protection will be given to consumers“ against illegal, counterfeit or unsafe products ”, “stricter conditions for personalized advertising” and specific rules “for large platforms,” ​​guardians “of market access”, as specified by the European Parliament itself.

Focused on the digital future, hope to create mechanisms to deal with illegal content, with “stricter rules”, in search of a safer internet for consumers, and based on users “less dependent on algorithms”, they say.

Like any limitation, this new law has stoked fears of censorship and the lack of digital freedom. In this sense, they affirm: “A third, non-legislative resolution of the Civil Liberties commission […] it focuses on fundamental rights issues. Request that the removal of content be “diligent, proportionate and non-discriminatory »to safeguard freedom of expression and information, as well as privacy and data protection. MEPs also see micro-segmentation based on people’s vulnerabilities as problematic, as well as the spread of hate speech and disinformation, and call for transparency in the monetization policies of online platforms ”.

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The future foldable iPhone is getting closer and closer and will it arrive in 2022? | Smartphones

In the last few months The information about the iPhone project with a folding screen has intensified on which Apple works for the next few years. You already know how those of Cupertino are, which usually foresee the products that they will have in stores for several years to come and, in the case of smartphones, Tim Cook’s believe that their time has come.

So, to the information that warns that Apple will use a Samsung screen for these new foldable (or extendable, which you never know) iPhone, we must join the one that we have known today and that confirms that the North Americans are in the testing phase of the first prototypes, those in which you have to verify that everything works well and, even, what is the most optimal design to reach the stores.

Clasps and their parts, the key

The folding screen technology is beginning to reach all users in a generalized way and it is not without certain drawbacks. The main, that area in which the screen is divided in two, where the folding of the panel is still very evident. Although over the months a user ends up forgetting their presence, the truth is that it is annoying to have a reminder there that their phone “is a little bent.”

Concept design of a foldable iPhone.

So Apple is looking at how to eliminate that small defect, almost mandatory due to the state in which this technology is currently, as well as all the parts that are part of the gears and bearings in that area of ​​future iPhone. Further, it is confirmed to be doing so with the screens provided by Samsung in a factory where the prototypes are being assembled that belongs to Foxconn.

And when did this first foldable iPhone arrive? The same sources speak of it will be premature to see it in stores next year, along with the traditional models of the brand, so we can expect that, at the earliest, this landing of folding screen technology will not reach the Cupertino stores until 2022. One year later. What’s more, it remains to be seen to what extent the impact of the pandemic could have hit those initial plans and further (2023, etc.) drive the development of this folding screen technology on which Apple is clearly already working.

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