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Finnish telecoms have mostly abandoned tying the phone to a mobile plan, just a few years after they were given that right by law. My personal guess as to why, is that they want to offer longer financing plans than the maximum of 24 months allowed for carrier-locked phones – with plans up to 36 months common.

Apparently the seller of an expensive phone like iPhone gets a decent chunk of money at market prices, because it's common for carriers not to take any interest with their financing plans – i.e. the phones costs the same bought upfront as they do over 36 monthly payments. The phone itself is in no way locked to any specific network.



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