No-Cost EMI पेमेंट ऑप्शन का उपयोग करने से पहले याद रखने योग्य 10 बातें

No-Cost EMI ऑफर के नियम और शर्तें पढ़ें और समझें और सुनिश्चित करें कि आप किसी भी छिपे हुए शुल्क या फीस से अवगत हैं या नहीं.

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पुष्टि करें कि आप नो-कॉस्ट ईएमआई का लाभ उठाने के लिए पात्रता मानदंडों को पूरा करते हैं. यह आपके क्रेडिट स्कोर, न्यूनतम लेनदेन राशि और चयनित अवधि जैसे कारकों पर निर्भर हो सकता है.

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ईएमआई अवधि सोच-समझकर चुनें. हालांकि लंबी अवधि के लिए मासिक भुगतान कम हो सकता है, लेकिन लंबे समय में इसकी कीमत आपको अधिक चुकानी पड़ सकती है.

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किसी भी छुपे हुए चार्जेज से सावधान रहें. भले ही यह नो-कॉस्ट ईएमआई है, लेकिन प्रोसेसिंग फीस या जीएसटी जैसी अन्य फीस भी लागू हो सकती है.

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सुनिश्चित करें कि आपकी क्रेडिट सीमा खरीदारी को कवर करने के लिए पर्याप्त है. आपकी क्रेडिट सीमा से अधिक होने पर अतिरिक्त शुल्क लग सकता है या ईएमआई रिक्वेस्ट रिजेक्ट हो सकती है.

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वेरीफाई करें कि नो-कॉस्ट ईएमआई योजना के तहत उत्पाद की कीमत रेगुलर कीमत के समान है.

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यदि आपको उत्पाद वापस करने की आवश्यकता हो तो कैंसलेशन और रिफंड नीतियों को समझें. कुछ ईएमआई योजनाएं पूर्ण रिफंड की पेशकश नहीं कर सकती हैं.

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सभी दस्तावेजों का रिकॉर्ड बनाए रखें. जैसे कि ईएमआई एग्रीमेंट, भुगतान रसीदें और विक्रेता या फाइनेंसिंग इंस्टीटूशन के साथ पत्राचार.

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ईएमआई प्रक्रिया में संभावित समस्याओं से बचने के लिए प्रतिष्ठित विक्रेताओं या प्लेटफार्मों से ही खरीदारी करें.

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विक्रेता और वित्तपोषण संस्थान दोनों द्वारा प्रदान किए गए ग्राहक सहायता चैनलों से खुद को परिचित करें.

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31 अक्टूबर नेशनल यूनिटी डे क्यों मनाया जाता है जानिए राष्ट्रीय एकता दिवस बारे में

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