EMI for liability or a depreciating asset is a BIG NO! Try paying the full amount most of the time. You should opt for EMI only when it is extremely crucial and you are out of options. Just because the bank is lending you money does not mean you can afford it

You can opt for Zero cost Emi as an alternative to shop smarter. A no-cost EMI offers you a plan where you can pay for a product or service in affordable monthly installments with zero interest. However, shop wisely. Even zero cost EMI can lead to traps

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