A considerable lot of us are currently deciding on an Air Conditioner. In Kolkata, the warmth has turned out to be horrendous and there is no indication of storm till now. So even white collar class families are additionally giving a genuine idea to acquiring an AC. No, I am not composing a survey on any AC machine. We as a whole know a large number of the gadgets or electric products(some of them can be considered for extravagance, yet a considerable lot of them have turned out to be fundamental now a days like a TV set, Refrigerator and so on.) are broadly accessible in different stores however excessively few of them are inside our span. A decent item from a rumored organization accompanies higher cost clearly. For white collar class or lower working class individuals, it isn’t generally conceivable to make an inside and out buy. And after that come these EMI plans for our safeguard. Indeed, Consumer Durable Loans are extremely well known now as they are a whole lot less demanding to benefit than a Personal Loan, Business Loan, Home Loans and so on.
In last 7-8 years, I have bought a Sony Hi-FI Music System, a LG Air Conditioner, A Sony Bravia 22" LCD and 2 versatile fones with Bajaj FInance Consumer Durable Loans. Indeed, the Samsung Galaxy Grand 2 which I am right now utilizing was additionally purchased with their simple EMI conspires in October, 2014.
Bajaj Finance has been giving Consumer Durable Loans to numerous years. Numerous different Banks additionally give such credits yet I trust Bajaj Finance as I am their old client and fortunately till now never confronted any issue. I will talk about here basically the PROS since I didn’t discover or did not stand up to any difficult issues concerning their item.
1) The best part is as of now they are giving customer advances to buying any mobiles. They have fundamentally 2 conspires in Kolkata locale as far my insight goes - a) 3 portions as Down installment and 7 portions for EMI and b) 4 portions as Down Payment and 8 for EMI. The later plan is uncommon and not that much executed.
2) Another good thing is a large number of their customer advances offer Interest Free Installment plots on numerous items in the greater part of the famous electronic shops in our region(like Capital Electronics, Khosla Electronics, Sales Emporium, Great Eastern and so on).
3) Documentation is insignificant. Predominantly an Income Proof, Address Proof, Identity Proof and Bank Details(the account from which the EMI will be deducted).
4) Now a days, presumably Bajaj Finance supports for ECS(Electronic Clearance Scheme/Service). U may simply need to give a crossed out check. In this way, the tedious activity of marking on Post Dated cheques(PDCs) isn’t there.
5) One awesome offer from their end is the EMI Card. I have one with approx. Rs. 50, 000/ - restrain. This isn’t any Credit or Debit Card. On the off chance that u are a current client, u can apply for this card in Bajaj FInance’s Portal. This card has a few breaking points upto which u can buy an item benefiting the EMI plot. The good thing is, it significantly lessens the issue of benefiting the plan. This card makes your different and elite element in their database with earlier documentation. So. deciding on credits turns out to be considerably simpler if u have the card. Each enormous Electronics shops presently has no less than one official from Bajaj FInance. With the assistance of him/them, u can benefit the purchaser advance with negligible or zero documentation by demonstrating this card to them. Kindly take a note that this card isn’t for Swipe and Buy. It does nearly a similar activity yet the procedure works in an unexpected way.
6) They have a Reminder framework through SMS about the coming ECS date. This is a decent framework as it is unquestionably conceivable that your record isn’t adequately financed on the ECS date. The sms comes 3-4 days before the conclusion date so u can have some an opportunity to store some cash, on the off chance that it isn’t now there.
7) If u will benefit a purchaser advance, I would prescribe you to enroll on their site of Bajaj Finserv Lending soon after profiting the credit. U can see all the credit details(personal, shopper or business and so forth.) with installment plans alongside some redid offers.