Rolex Daytona

Purchased Rolex Daytona for RM35,300 (37,170 list price) from Hour Glass, Gardens, Mid Valley. Got it via 12 months zero installment via Maybank. Assuming its a personal loan from Maybank Islamic, it should be 7% for the amount required. Hence, my gain since it is a zero installment scheme is RM2,471. Hence my effective purchase price is RM32,829 which gives me a discount of 11.7%