Smartphone EMI Trap Market For You !

In this video i talked about Mobile smartphone EMI Offer Pricing Trap for You via Online as well as Offline mobile market via EMI or No Cost EMI Price offer

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[GyanTherapy]

No Cost EMI Actually Good option hai Aur isse aapka 'Cibil Score' bhi Imrove hota hai time se EMI Bharne par lakin Sirf iske lalach me Apne Budget ki Boundary Paar karna hi Trap me fasna kahlayega !

[Mayurd]

I still don't understand why a regular guy needs a 1 lakh rupees phone

[supriyasarkar]

Thank you for sharing the truth behind No Cost EMIs. Here is a summary I always try to make my friends understand while they plan to buy something in No Cost EMI.
Always we need to think "No Cost EMI" as "Extra discount on EMI Purchase" - that will make our understanding better.
The "Extra Discount" will give us the illusion of having a "Effective" "No Cost", but the reality is different, as the bank will still charge us the following:
1. Processing fees
2. GST on processing fees
3. Interest (Yes, and this is the same interest which was given as extra upfront discount)
4. GST on said Interest (And this was not included in upfront discount)
5. Foreclose charges if any.
6. *No Reward Points*
So we end up bearing some of the cost anyway. Try to get the lowest tenure possible to minimize your costs. And of course, if you don't feel that you cant buy a product in one go, please don't buy in EMIs.

[samarp]

you are the only youtuber that i genuinely trust. You think of your viewers and not for just money like most of the youtubers do. Love you bro!❤

[aniketprasad]

The Youtuber who talks about the tech facts 🔥

[dushyantdk]

One thing that is never clearly mentioned to the customer is that you don't get reward points for EMI transactions. so, if you have a good card that gives you great reward points, you should see that as a loss too when buying a phone on EMI. Great video as always.

[ChotaBheem]

All is temporary but "JAI HIND DOSTO" is permanent 😊

[RohonNag]

Having taken a lot of items on EMI please note : there is a transaction fees per EMI. Usually 199rs. PLUS 18% of that 199. Also the no cost emi amount that is discounted that too has an extra 18% taxes on it. Both these taxes bank collects and pays to the government on your behalf as gst. So donot forget to account for these extra hidden charges as well.

[nishit]

Emi पर लेना आज के टाईम पर सब की मजबूरी है क्युकी खर्चा बहुत होता है एक साथ पैसा देना मुश्किल होता है कोई बुरी बात नही सबको अपना सपना पुरा करने का हक है भाई 👌👍 कम्पनी वाले भी ये बात जानते हैं अच्छी तरह से तभी वो ईएमआई पर चीज देते हैं 😇

[chaitanyaharshe]

No cost EMI is good for those who can pay the full price of the commodity at the time of purchasing. For others EMI is a

[heeralalbind]

Bahut hi achchha video bhaiya
Thanks a lot mai no cast emi pr phone lene ja Raha tha
Bacha liya aapne to mere ko

[gauravkamble]

Youtube is good 👍
But rakesh sir ❤😊
Is the most content full creator in whole tech industry ❤😊

[willynotwonka.]

Simple math is to understand, if you can afford at least half the price upfront from your saving, it's OK to take an EMI for the full price. If not, you're spending more than you should.

Great video that highlights this! I feel another reason why people WANT a phone and not NEED a phone is because of unnecessary hype done by most Youtubers for expensive and top end phones. (Not you, specifically but most)

[avishekgarai]

No cost emi includes a Rs 200 one time processing fee and then 18% gst on the interest that is being paid( even if seller gives the interest amount as an upfront discount, you are still paying the interest to the bank and hence the gst). Even then you should opt for no cost emi provided you have that money or more than that in your bank account. The monthly interest earned on the remaining amount will be more than the processing fee+ gst you're paying, even if the money is lying in your savings account. Additionally, you can fix the installment amount as multiple fixed deposit and earn even more. Sometimes, there's additional discount on opting no cost emi over non-emi which is just a cherry on the top.

[dhavaltailor]

In 2021, me n my friend bought mobile phone. I purchased 20k Android phone n he purchased iPhone 13 in around 80k in 18 emi after purchasing phone i started SIP of rps 4000 per month correctly after two years my 20k phone is working well n my SIP portfolio is more than 1 lac. Whereas my friend has iphone 13 with 25000 resale value 😊. Choice is yours.😉

[bokinlego]

This is an eye opener for many - including me. Fully justified your name, Gyan Therapy.

[anandkumarseth]

All in all financial discipline is something I see a lot of close friends of mine don't have. Sad state of affairs.

[SonyRoy]

In No Cost EMI, firstly, 199 (Processing fee)+35 (GST) = 234/235 total Processing fee.
Though, initially the Interest is added as discount, later bank will charge that interest every month at around 14-16% + 18% GST on that interest as well.
So, My suggestions to those cardholders, whoever lending his card to any known person to buy a phone or other things on No Cost EMI, please consider those charges and then make the deal with that buying party. Else you'll have to bear those extra interests (which are not even added while showing the EMI amount).

[Ramyadavk]

5:45 Aap ka hi nhi sir hamara bhi kat ta hai 😂

[XYZ]

Title mistake- Taking
Correct- Talking