在当今社会，随着消费观念的转变和金融科技的发展，分期付款成为了许多人购买高价值商品，如智能手机的常见方式之一。其中，商家或金融机构提供的免息分期服务更是受到了消费者的广泛欢迎。然而，并非所有分期购机方案都提供免息优惠，选择
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