I bought a product from home credit for my friend. I always thing that if I will buy a product from emi this is too costly and expensive. But I wrong few months ago my friend told me that he bought a mobile phone for this financial company and he suggest me that you can also try it.
So I went a near shop and purchased a phone for my friend and only 500 rs file charges not anything only mobile price. So in my case I suggest you to use this companys services.