Whalesbook
Kya Chal Raha Hai Bazaar Mein?
Basically, yeh jo EMI aur Buy Now, Pay Later (BNPL) wale offers chal rahe hain na, inki wajah se log kharcha bahut kar rahe hain. Ye sabse bada reason hai ki aajkal log bina soche samjhe cheezein khareed rahe hain. Pehle log total cost dekhte the, ab sirf monthly payment par focus karte hain. Aur ye BNPL toh ab grocery, kapde, har cheez par mil raha hai. Isse retailers bhi fayda utha rahe hain, achhi quality ka maal bech kar jise log shayad bina EMI ke na khareedte.
'Zero-Interest' Ka Sach Kya Hai?
Aur bhai, yeh jo 'no-cost' EMI bolte hain na, asli mein toh yeh sabse zyada costly hota hai! Companies kabhi prices badha deti hain, kabhi cash discount offer karna band kar deti hain agar aap EMI loge. Upar se processing fees, GST, aur kabhi kabhi toh late payment par retroactive interest bhi lag jaata hai. RBI ne bhi kaha hai ki yeh 'no-cost' wala tag aksar misleading hota hai. Matlab, aapko lagta hai free hai, par paise toh aapke hi zyada lag rahe hain.
Chhupa Hua Karz Aur Credit Ka Andhera
Is chakar mein logon par karz bahut badh raha hai. America mein toh yeh consumer debt $18 Trillion cross kar gaya hai November 2025 tak! Sabse risky baat ye hai ki yeh BNPL loans aksar regular credit report mein dikhte hi nahi hain. Log alag-alag BNPL companies se alag-alag loan le lete hain, jisse pata hi nahi chalta ki un par actual kitna karz hai. Ek report ke mutabik, 60% se zyada BNPL users ke paas ek se zyada loan hain! Isse baad mein loan lene mein dikkat aa sakti hai.
Credit Score Ab Aur Smart Ho Raha Hai
Ab jab yeh 'phantom debt' itna badh raha hai, toh credit bureaus bhi chaukanna ho gaye hain. FICO jaise bade credit scoring wale Fall 2025 se apne naye models mein BNPL loans ka data bhi include karne wale hain, jaise ki FICO® Score 10 BNPL aur FICO® Score 10 T BNPL. Isse lenders ko borrower ke financial behaviour ka sahi picture milega aur yeh chhupa hua karz bhi dikhega.
System Ka Risk Aur Future Kya Hai?
Is sabka bada risk ye hai ki log over-indebtedness mein phans sakte hain, impulse buys kar sakte hain aur total cost ko underestimate kar sakte hain. Payment miss kiya toh late fees aur credit score kharab. Financial institutions ko bhi borrower ka risk judge karna mushkil ho jaata hai. European Union ne bhi kuch naye rules laaye hain in BNPL services ke liye taaki fees aur over-indebtedness ko control kiya ja sake. Yeh global consumer credit market toh USD 17.6 Billion tak jaane wala hai aur BNPL 25% annually grow kar raha hai. Bas, easy payments ke saath financial management bhi zaroori hai, warna baad mein mushkil ho sakti hai.