The new iPhone Is cheaper. Should You EMI it? #Min_Read

The new iPhone Is cheaper. Should You EMI it? #Min_Read

September 14, 2019 0 By NewsTakers

One such loyalist is Mumbai-based Aniket Sapre who’s been using Apple products since 2011 and is planning to buy the iPhone 11 in November.
“I’ll finance the phone through an EMI because I am a loyal customer of a lending company; so I’ll opt for their no-cost EMI option,” said Sapre, 38, who is a product head with a private bank.
“Millennials are fond of new gadgets.
Some of this demand is getting financed by loans and easy-to-get EMI options that dealers offer.
Data from Zestmoney, a consumer lending platform, shows that over 40% of its customers routed their phone purchases through EMIs.
The loan is easy to get, but should you buy the phone on an EMI?
Reports from various lending companies show that more and more people, millennials in particular, are making the smallest of purchases through EMIs.
“Schemes like the no-cost EMI option offer an incentive to consumers to make large purchases through easy and flexible options.
Although the no-cost EMI scheme does involve an interest cost and many consumers are becoming increasingly aware of hidden interest charges, trends don’t particularly indicate a slump.
It is a good idea to understand the full cost of the loan and the phone (don’t forget to add the accessories and insurance you will buy along with the phone) to finance a depreciating asset like a smartphone and see if the spending is worth it.

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