Festive season mein 'No-Cost EMI' aur BNPL schemes se bachke rahen. Ye schemes discount khatam karke aur hidden processing fees se aapka total bill badha deti hain.
'No-Cost' EMI ka asli game
Festive season mein retailers aise schemes chalate hain jaise sab kuch free ho, par reality kuch aur hai. Jab aap 'No-Cost EMI' choose karte hain, toh company aapka 5% wala cash discount wapis le leti hai. Matbal, jo interest aapko nahi dena, uska kharcha aapne pehle hi discount kho kar chuka diya.
Processing fees aur GST ka shock
Sirf interest hi nahi, banks aur NBFCs processing fee bhi lete hain. Iske upar 18% ka GST alag se lagta hai. Jab aap ye sab milaoge, toh product ki final cost MRP se kaafi upar chali jati hai.
BNPL aur CIBIL Score ka khatra
BNPL (Buy Now, Pay Later) bhi ek tarah ka loan hi hai. Agar aapne payment miss ki, toh penalty bahut bhari padegi. Aur haan, har baar BNPL use karne par aapke credit report mein hard inquiry hoti hai, jo aapka CIBIL Score gira sakti hai. Isse future mein home ya car loan lene mein dikkat aa sakti hai.
Budget kaise bachayein?
Chhoti-chhoti EMI dekh kar khush na hon. Har checkout se pehle total repayment amount check karein. Agar aap EMI ka total sum karoge, toh aapko asliyat samajh aa jayegi ki aap kitna extra paisa de rahe ho. Festive excitement mein apna monthly cash flow na bigadein.