Buying mobile isn’t that difficult these days because there are so many schemes available that allow you to get even the most expensive smartphones at zero down payment.
If you are thinking of getting your hands on that latest smartphone, then you are at the right place as we will discuss a few points that will help you get the best EMI mobile at a cost you can easily afford.
Compare and Then Buy
Before you buy a mobile phone, it’s important to thoroughly compare various models to get the best specs, screen size, hardware, and software that are currently available.
Since the mobile world is flooded with so many options these days, it can get pretty intimidating for someone who’s not so tech-savvy to choose a phone that would be the best fit since every smartphone maker claims to have come up with the best of the lot.
Therefore, it’s important to read up on reviews and watch a few tech videos to understand the technology used in each of the smartphones that you are eyeing to choose one that most closely meets your day-to-day usage by giving you the options that seem most practical as per your unique usage requirements.
Go for Zero Down Payment
Traditional EMI options would require you to pay some amount as a down payment, and this amount can vary across multiple lenders with some as high as half the cost of the mobile phone. Therefore, it’s best to opt for a zero down payment option, as you can get home a mobile phone by practically paying nothing and the rest of the amount can be paid off in easy EMI’s.
Zero Interest Charges
Interest charges often form the bulk of your repayment costs, and most of the time you will end up paying almost twice as much as the product’s original price. Therefore, seek out EMI plans with zero interest charges as they only charge you the actual price of the product without any additional interest rates on their plans. This is ideally one of the best ways of buying a mobile on EMI as you will end up saving a lot of money throughout the repayment plan.
Benefit from Card Payments
You can opt for an EMI scheme using your credit card or an EMI card offered by one of the lenders. In doing so, you won’t need to indulge in any paperwork and simply swipe your cardless EMI to pay a negligible amount in down payment which can be as low as INR 1. The rest of the amount is converted into EMI which is then deducted from your account every month till the end of the repayment period.
Cardless EMI Options
These days multiple lenders offer you a credit line that you can use across both online and offline retail stores. You can use this credit line to avail a zero down payment and interest EMI plan and get home the best mobile phone.
Mobile phones are no longer a luxury item but a necessity, and their utility makes them one of the products that you simply can’t live without in today’s world.
Moreover, as the years go by, mobiles are becoming much more powerful making each iteration of the previous model a must-have due to a plethora of new unique features and software upgrades!
Hi there! This is Suruchi Pandey. I am a Self-employed, Working Professional. I love to Blogging, Creative Art, Photography, Reading, Others.
