If You Rent a Piano and Decide to Buy, How Much More Do You Pay?
How rental payments and the security deposit are applied, with a six-month comparison of a Japanese Piano and Yamaha U3.
Short answer
When purchasing an eligible piano, up to six months of paid rent can be applied as a discount. The security deposit and eligible interest can be applied toward the purchase price, so the customer pays the remaining balance under the company’s terms.
How to calculate the additional payment
A discount should be separated from money applied as payment. Rent and the security deposit serve different purposes.
Up to six months of rent
Eligible paid rent is deducted as a discount when the purchased piano is priced at the same level as or higher than the rented model. Renting for more than six months does not automatically make all rent deductible.
Deposit and interest
The deposit is not a discount. It is the customer’s money and may be applied directly toward the purchase. Cash or bank-transfer deposits earn 5% interest per year; credit-card deposits do not.
Example 1: Japanese Piano
Assume a piano price of THB 95,000, monthly rent of THB 990, a THB 20,000 deposit, and six months of deposit interest.
| Item | Calculation | Amount |
|---|---|---|
| Piano price | Starting amount | THB 95,000 |
| Six-month rent discount | 990 × 6 | THB 5,940 |
| Security deposit | Applied to purchase | THB 20,000 |
| Deposit interest | 20,000 × 5% × 6/12 | THB 500 |
| Additional amount payable | 95,000 − 5,940 − 20,000 − 500 | THB 68,560 |
Example 2: Yamaha U3
Assume a Yamaha U3 price of THB 135,000, monthly rent of THB 3,500, a THB 45,000 deposit, and six months of deposit interest.
| Item | Calculation | Amount |
|---|---|---|
| Piano price | Starting amount | THB 135,000 |
| Six-month rent discount | 3,500 × 6 | THB 21,000 |
| Security deposit | Applied to purchase | THB 45,000 |
| Deposit interest | 45,000 × 5% × 6/12 | THB 1,125 |
| Additional amount payable | 135,000 − 21,000 − 45,000 − 1,125 | THB 67,875 |
Japanese Piano vs Yamaha U3
| Item | Japanese Piano | Yamaha U3 | Difference |
|---|---|---|---|
| Piano price | 95,000 | 135,000 | THB 40,000 |
| Monthly rent | 990 | 3,500 | THB 2,510 |
| Security deposit | 20,000 | 45,000 | THB 25,000 |
| Six-month rent discount | 5,940 | 21,000 | THB 15,060 |
| Six-month deposit interest | 500 | 1,125 | THB 625 |
| Balance after six months | 68,560 | 67,875 | U3 is THB 685 lower |
The THB 15,000 figure is not an extra discount
The U3 costs THB 40,000 more, while its deposit is THB 25,000 higher. The THB 15,000 difference only explains the gap between the price difference and deposit difference; it is not an additional reduction in the piano price.
If buying a Yamaha U3 is already the goal, renting the U3 from the beginning may be more suitable. The learner becomes familiar with its sound, touch, and mechanism, while six eligible rental payments can be applied as a discount.
Can you rent one model and buy another?
Yes. The purchased piano may be a different instrument or model if its price is equal to or higher than the piano price stated in the rental agreement, subject to company terms.
- Rent a Japanese Piano and buy a Yamaha U1 or U3
- Rent a Yamaha U1 and buy a Yamaha U3 or higher-priced model
- Rent one grand piano and buy another eligible grand piano
- Ask the team to calculate the actual agreement before deciding
Do you have to buy immediately?
No. Eligibility for a discount of up to six months’ rent does not require an immediate purchase. If the model, budget, or learner’s continuity is still uncertain, the rental may continue under the service terms.
Once you begin considering a purchase, ask the team for an actual calculation to compare continuing the rental with buying at that time.
What else is included when buying from Churairat Music?
- Five-year warranty and service network in four provinces
- Three complimentary tunings, subject to terms
- Hydraulic adjustable piano bench
- Churairat Lifetime Buy Back Guarantee for eligible pianos
- Churairat Privilege Coupon, subject to terms
Benefits depend on the model and company terms. Buy-back values are assessed according to the piano’s condition and market conditions on the assessment date.
Summary
The additional payment depends on the chosen piano price, up to six months of eligible rent, the security deposit, and deposit interest. In these examples, the Japanese Piano requires THB 68,560 more, while the Yamaha U3 requires THB 67,875 more, even though their piano prices differ by THB 40,000.
All figures are examples and are not a quotation or binding offer. The actual calculation must follow the rental agreement, model, rental duration, deposit payment method, and terms effective on the purchase date.
