Questions about ASUS ZenBook Fold OLED

Hello Together Is it possible to write on the touch screen with a pen? Like on the Surface, for example.

I want to buy this, but price is way too high.. can I get monthly payment option like for 6 months??

Do I see that right? It's available with a maximum of 16 GB RAM? Of course, the CPU is designed for low energy consumption. But with 32 GB of RAM, it would be enough to replace my old notebook and tablet. In any case, the CPU itself could handle up to 64 GB. I don't understand why the CPU/RAM pairing follows this naive/constrained pattern. Based on the estimated board surface, there should be room for more RAM. There's no real need to discuss the price here...