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Are iPhones financed by T‑Mobile and Verizon now locked?

Apple has changed its policy: going forward, iPhones financed through T‑Mobile and Verizon installment plans will be carrier‑locked until the device is paid off in full. Until now, many buyers received unlocked iPhones when using these carriers’ installment plans; that option is being phased out.

What exactly changes for financed iPhones
– An iPhone purchased from Apple is generally unlocked at the time of sale.
– However, Apple’s updated FAQ clarifies that an iPhone financed via the AT&T Installment Plan, the T‑Mobile Equipment Installment Plan, or the Verizon Device Payment Program will remain carrier‑locked until the financing is paid off.
– AT&T was already enforcing this lock on devices financed through its plan.

Why Apple is changing its practice ( — this line appears incomplete in the source. Would you like me to translate or expand the remainder as well?)

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