Hey hey! It’s me — Hitu, your ever-honest tech buddy from Hitechers 👋
Let’s talk money. Not your money — well, okay yes, your money… but also your smartness with money.
Because today we’re diving into something that sounds sweet, but can bite later:
Buying gadgets on finance.
🛒 "Sir, only ₹999/month!"
Yeah yeah, we’ve all heard it. That easy EMI pitch that makes a ₹12,000 speaker feel like a harmless monthly snack.
But pause for a sec.
Is it really just ₹999/month? Or is there more under the hood?
🕵️♂️ Let’s Break It Down:
1️⃣ Hidden Charges Are Real.
Most finance options come with processing fees, interest, and something called APR (Annual Percentage Rate).
That’s a fancy way of saying: you might end up paying way more than the gadget’s actual price — unless you read the fine print.
2️⃣ “Want” vs “Need” — Know the Difference
Finance makes sense for things you really need — like a laptop for your job or a tablet for your kid’s studies.
But that Bluetooth speaker you liked because it glows in the dark? Maybe not worth the EMI.
3️⃣ Debt-to-Income Ratio = Stress Level
Already paying EMIs on a bike, phone, or personal loan?
Adding more means increasing your monthly stress meter. Finance isn't free money — it’s a future responsibility.
4️⃣ Zero Cost EMI? 🤨
Marketing loves to say “0% Interest” but trust me, nothing in this world is truly free.
Sometimes the product’s price is inflated, or there’s a hidden fee. Always ask questions and read the terms.
🧾 What Hitechers Does:
Yes, we do have finance options.
And yes, we’re always here to help.
But more importantly — we’ll tell you the truth.
💬 “Bhai, le lo on EMI!”
✅ Only if it’s smart for YOU.❌ Not just because it looks easy.
We recommend finance only when:
It’s an essential tech need
You understand the full cost
You’re financially comfortable to repay
🛑 Final Word from Hitu:
Finance is a tool — not a trap.
Use it wisely.
Ask questions.
And never say yes to something you don’t understand.
Because at Hitechers, we don’t want you to just buy tech.
We want you to own it smartly 💪
—
👀 Thinking about buying something on EMI?
📞 Come talk to us at Hitechers — we’ll guide you with honesty and without pressure.
#HituSays #AlwaysHitechers
