Friday, April 12, 2024

How to Buy iPhones On EMI – The Better Way

Planning to buy an iPhone on EMI? Here’s a guide to help you out with the same! The accessibility of buying an iPhone has greatly increased with the availability of EMIs. Yes! You can buy iPhones on EMI. In this article, we will discuss how to buy iPhones on EMI.

To buy iPhones on EMI (Equated Monthly Instalments) requires the buyer to pay a fixed amount to their lender or provider at a specific date each month until the loan is paid in full. The EMI consists of the principal amount of the iPhone and the interest charged on the outstanding balance of the loan.

Some key things to keep in mind when buying iPhones on EMI. 

  • Check the price of your desired iPhone model. 
  • Check if that iPhone model is available for purchase by EMI or not with your retailer (offline or online) .
  • Choose a suitable EMI payment plan for the iPhone, depending on your budget and repayment capability. 
  • Carefully note the interest rate, processing fee and tenure of the EMI payment plan for your iPhone.
  • Make sure that you own a credit card or debit card with enough credit limit to pay the EMI.
  • When purchasing an iPhone online, select the EMI payment plan for your iPhone and your preferred bank to pay it with.
  • Once the EMI payment plan is approved, you can pay the down payment. The rest of the amount will be divided into monthly instalments.
  • At the end of the EMI payment tenure, you will own your iPhone.
  • Read terms and conditions carefully to avoid any confusion or concealed charges.

According to the official Apple website, a customer can take advantage of select products with eligible HDFC Bank cards. Furthermore, one can exchange an eligible Mac, iPad or Apple Watch for a good deal.

According to the Apple website on April 24,using HDFC cards, customers can instantly save,

  • Rs. 6000 off of iPhone 14 Pro and Pro Max
  • Rs. 5000 off of iPhone 14 and 14 Plus
  • Rs. 4000 off of iPhone 13
  • Rs. 3000 off of iPhone 13 MIni
  • Rs. 2000 off of iPhone 12 and iPhone SE

The option of 3 or 6 months No Cost EMI is also available.

A prospective buyer can calculate EMI payment plans for iPhones on the Apple website. So, hurry and grab your chance to buy an iPhone on EMI for the best deal.

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