How to Purchase Mobile/Laptop/Refrigerator/Washing Machine/Ac on Emi in Bangladesh: A Comprehensive Guide

To buy mobile/laptop/refrigerator/washing machine/ac on emi in bangladesh, follow these steps: search for online or brick-and-mortar stores that offer emi options. Select the desired product, check if emi is available, and choose the suitable emi plan as per your affordability.

Complete the necessary documentation and make the down payment. Enjoy your new device while paying in monthly installments. Now let’s explore how you can conveniently purchase these electronic appliances on emi in bangladesh. In bangladesh, buying electronic appliances such as mobile phones, laptops, refrigerators, washing machines, and acs on equated monthly installments (emi) has become increasingly popular.

This payment option allows you to enjoy these gadgets and appliances without a significant burden on your finances. Whether you prefer online shopping or visiting physical stores, there are various options available to make your purchase affordable and convenient. This guide will walk you through the process of buying these electronic appliances on emi, making your shopping experience easier and hassle-free.

Understanding Emi (Equated Monthly Installments)

Emi, or equated monthly installments, has become a popular payment option in bangladesh when it comes to purchasing appliances and electronics. Whether you’re in the market for a mobile, laptop, refrigerator, washing machine, or ac, emi allows you to spread out the cost of your purchase over a fixed period, making it more affordable and convenient.

But what exactly are emi options, and why should you choose them? Let’s explore the key points below:

What Are Emi Options?

  • Emi options enable you to pay for your appliance or electronic device in monthly installments over a predetermined period.
  • These installments typically include the principal amount and applicable interest, divided equally over the agreed-upon tenure.
  • The tenure can vary depending on the retailer and product, ranging from a few months to several years.
  • Emi options often come with flexible repayment plans, allowing you to choose the installment amount that best suits your budget.
  • Some retailers offer zero down payment options, making the purchase even more accessible for those who may not have the funds upfront.

Why Choose Emi For Purchasing Appliances And Electronics?

  • Emi options provide you with the flexibility to buy the product you desire without straining your finances all at once.
  • By spreading out the cost over monthly installments, you can manage your budget more effectively and avoid a significant one-time expense.
  • Embracing emi options allows you to invest in high-quality appliances and electronics without compromising on your savings or other financial commitments.
  • With a wide range of emi tenure options available, you can select the repayment period that works best for you and find a balance between affordability and convenience.

Benefits Of Emi Over Upfront Payment

  • Emi options eliminate the need for large upfront payments, making it possible to purchase expensive appliances and electronics without depleting your savings.
  • By choosing emi, you can enjoy the latest technology and upgrade your devices, even if you don’t have the complete amount available immediately.
  • Emi options often come with minimal or zero interest rates, ensuring that you don’t end up paying much more than the actual cost of the product.
  • Emi plans can be tailored to fit your specific needs, allowing you to choose the repayment term that aligns with your financial situation.

Emi options provide a convenient and affordable way to buy appliances and electronics in bangladesh. By understanding the various emi options available, you can make an informed decision and enjoy the benefits of spreading out your payments over time. So, whether you’re eyeing a new mobile, laptop, refrigerator, washing machine, or ac, consider the advantages of emi and find the perfect payment solution for your needs.

Researching Available Options

Popular Brands Offering Emi Options In Bangladesh

  • Samsung: Samsung is a well-known brand that offers emi options for mobile, laptop, refrigerator, washing machine, and ac purchases in bangladesh. They have a wide range of models to choose from, catering to different budgets and preferences.
  • Xiaomi: Xiaomi is another popular brand that offers emi options, making it easier for customers to buy their desired mobile, laptop, refrigerator, washing machine, or ac without putting a strain on their finances.
  • Lg: Lg is known for its reliable and durable appliances. With emi options available, customers can purchase lg mobiles, laptops, refrigerators, washing machines, or acs without worrying about the upfront cost.
  • Sony: Sony is widely recognized for its high-quality electronic products. The brand offers emi options for mobiles, laptops, refrigerators, washing machines, and acs in bangladesh, making it more accessible for customers to own their desired sony devices.

Comparison Of Different Models And Specifications

When researching available options for purchasing a mobile, laptop, refrigerator, washing machine, or ac on emi in bangladesh, it is essential to compare different models and specifications. Here are some key points to consider:

  • Performance: Look for devices with fast processors, ample storage, and sufficient ram to ensure smooth and efficient functioning.
  • Features: Consider the specific features you require, such as a high-resolution display, multiple connectivity options, or advanced cooling technology for appliances.
  • Energy efficiency: Opt for energy-efficient models to save on electricity bills in the long run. Look for devices with high energy ratings.
  • Capacity: For appliances like refrigerators and washing machines, check the capacity that best suits your needs. Consider the storage space for mobiles and laptops as well.
  • Price: Compare prices across different models and brands, keeping in mind the emi options available. Assess whether the features offered justify the cost.

By comparing different models and specifications, you can make an informed decision and choose the device that aligns with your requirements and budget.

Reading Customer Reviews And Ratings

Customer reviews and ratings can provide valuable insights into the performance, durability, and overall user experience of the products you are considering. Here’s why it’s important:

  • Real-life experiences: Reading customer reviews gives you a glimpse into how the mobile, laptop, refrigerator, washing machine, or ac actually performs in daily use. It helps you gauge its reliability and longevity.
  • Pros and cons: Customer reviews often highlight the strengths and weaknesses of a product, allowing you to make a more balanced assessment. They may mention aspects that professional reviews might not cover.
  • User satisfaction: Checking ratings can indicate the general satisfaction level of customers with a particular model or brand. Higher ratings may indicate better performance and reliability.
  • Identifying common issues: Through customer reviews, you can identify common issues that users face with a specific model. This knowledge can help you avoid potential problems or choose an alternative that addresses those concerns.

While reading customer reviews and ratings, it’s advisable to consider multiple sources to get a comprehensive view. Look for patterns and pay attention to reviews from verified purchasers for a more accurate representation of the product’s performance.

Remember, thorough research, comparison, and consideration of customer feedback will guide you in buying the best mobile, laptop, refrigerator, washing machine, or ac on emi in bangladesh.

Financing Options For Emi Purchases

Financing options for emi purchases:

Banks And Financial Institutions Providing Emi Facilities

  • [bank name 1]: Offers emi facilities for mobiles, laptops, refrigerators, washing machines, and acs.
  • [bank name 2]: Provides emi options with competitive interest rates and flexible repayment terms.
  • [bank name 3]: A trusted bank in bangladesh that allows emi purchases for various electronic appliances.
  • [financial institution 1]: Offers emi financing for a wide range of products, including mobiles, laptops, refrigerators, washing machines, and acs.
  • [financial institution 2]: Provides emi options with easy application procedures and convenient repayment plans.

Required Documents And Eligibility Criteria For Emi Approval

Before applying for emi financing, make sure you have the following documents handy:

  • One valid government id, such as a national id card or passport.
  • Proof of residence, such as utility bills or a rental agreement.
  • Proof of income, such as salary slips or income tax returns.
  • Bank statements for the past few months.

To be eligible for emi approval, you should meet the following criteria:

  • Age: Typically, individuals between 21 to 65 years old are eligible.
  • Employment status: You may need to provide proof of employment, such as an employment letter or contract.
  • Credit score: Banks and financial institutions may check your credit history to assess your repayment capability.

Understanding Interest Rates And Repayment Terms

When opting for emi financing, it is crucial to comprehend the interest rates and repayment terms. Here are some key points to consider:

  • Interest rates: Emi interest rates can vary among different banks and financial institutions. It’s essential to compare rates to find the most favorable option.
  • Repayment periods: The duration of emi repayment can range from a few months to several years. Longer repayment terms may come with lower monthly installments but can result in higher overall interest payments.
  • Late payment fees: Familiarize yourself with the late payment fees and any other charges associated with emi purchases. It’s important to pay your installments on time to avoid additional costs.
  • Prepayment options: Some banks may allow you to prepay the emi amount before the specified term. Check if there are any penalties or restrictions for early repayment.

By understanding these financing options, required documents, and repayment terms, you can make informed decisions when buying mobiles, laptops, refrigerators, washing machines, or acs on emi in bangladesh. Remember to choose a reliable bank or financial institution and carefully assess the interest rates and repayment conditions before finalizing your purchase.

Step-By-Step Guide For Purchasing On Emi

Are you looking to buy a new mobile, laptop, refrigerator, washing machine, or ac on emi in bangladesh? We’ve got you covered! Purchasing on emi allows you to spread the cost of your desired product over a period of time, making it more affordable and convenient.

In this step-by-step guide, we will walk you through the process of buying on emi, from identifying the desired product to receiving it at your doorstep. Let’s get started!

Identifying The Desired Product And Its Price

Before you start the emi purchasing process, it’s important to identify the product you want to buy and know its price. Here’s what you need to do:

  • Research and compare different models and brands to find the one that fits your requirements and budget.
  • Check online platforms or visit physical stores to get an idea of the price range for your desired product.
  • Take note of the exact price of the product you want to purchase on emi, as this will be crucial in the next steps.

Visiting The Store Or Online Platform Offering Emi Options

Once you have identified the desired product and its price, it’s time to find a store or online platform that offers emi options. Here’s what you need to do:

  • Visit physical stores near you that sell the product you want, and inquire if they have emi options available.
  • Alternatively, search online platforms that offer emi facilities and check if your desired product is listed.
  • Make sure to compare the emi plans and interest rates offered by different stores or platforms to choose the best option.

Filling Out Emi Application Forms And Providing Necessary Documents

After finding a store or online platform offering emi options, you will need to fill out an emi application form and provide necessary documents. Here’s what you need to do:

  • Collect the application form from the store or download it from the online platform.
  • Fill out the form accurately, providing your personal details, contact information, and employment details if required.
  • Ensure you have the necessary documents, such as identification proof, address proof, income proof, and bank statements, ready to submit along with the application form.

Getting Approval And Receiving The Product

Once you have submitted the emi application form and necessary documents, you will need to wait for approval and receive the product. Here’s what you need to do:

  • The store or online platform will evaluate your application and verify the provided documents.
  • If approved, you will receive a confirmation and further instructions regarding the emi process.
  • Make sure to read and understand the terms and conditions of the emi agreement before proceeding.
  • Once everything is finalized, you will receive the product either at the store or through home delivery, depending on the preferred option.

Remember, while purchasing on emi can make your desired product more affordable, it’s essential to manage your finances responsibly. Make sure to budget your monthly payments and choose an emi plan that suits your financial capabilities. Happy shopping!

Understanding Emi Policies And Terms

When it comes to buying expensive electronics like mobiles, laptops, refrigerators, and washing machines in bangladesh, opting for equated monthly installments (emi) can make it more affordable and manageable. However, before diving into an emi agreement, it is crucial to have a clear understanding of the policies and terms associated with it.

This will ensure a smooth and hassle-free experience throughout the repayment period.

Importance Of Reading And Understanding The Emi Agreement

To avoid any surprises or misunderstandings, it is vital to carefully read and comprehend the emi agreement before signing up for it. Here are the key points to consider:

  • Loan amount and interest rate: Understand the total amount being financed and the interest rate that will be applicable to your purchase.
  • Repayment tenure: Take note of the duration within which you are expected to repay the loan. This will help you plan your finances accordingly.
  • Monthly installment amount: Know the exact amount you will need to pay each month. It is wise to select an installment amount that aligns with your budget and financial capabilities.
  • Processing fees and other charges: Be aware of any additional charges, such as processing fees or documentation charges, that might be associated with the emi agreement. It is important to factor these into your budget.
  • Prepayment and foreclosure options: Familiarize yourself with the prepayment and foreclosure policies in case you wish to repay the loan before the agreed-upon tenure. Some lenders may charge penalties for early repayment, so it’s essential to understand these terms.

What Happens In Case Of Missed Or Delayed Payments?

Life is unpredictable, and circumstances may arise where you miss or delay an emi payment. Here’s what you need to know:

  • Late payment charges: Most lenders impose a late payment fee or penalty if you fail to pay the emi installments on time. It is vital to understand the amount of the late payment charge and the consequences of multiple delays.
  • Negative impact on credit score: Consistently missing or delaying emi payments can have a detrimental effect on your credit score, making it difficult to secure future loans or financial assistance.
  • Communication with the lender: In case of any financial constraints leading to missed or delayed payments, it is advisable to communicate with your lender promptly. They may offer solutions or alternate repayment plans to help you overcome temporary setbacks.

Any Additional Charges Or Penalties Associated With Emi

Aside from the late payment charges, there may be other additional costs or penalties associated with the emi agreement. Here are some factors to consider:

  • Default charges: In the unfortunate event of defaulting on your loan, there may be significant penalties and legal consequences. It is crucial to understand the implications of defaulting beforehand.
  • Insurance charges: Some lenders may include insurance charges for the financed product in the emi agreement. It is essential to clarify if there are any insurance-related costs and the coverage details.
  • Change in terms and conditions: It is prudent to be aware of the possibility that the terms and conditions of the emi agreement may change during the repayment period. Stay informed and clarify any doubts to avoid unexpected surprises.

Understanding the emi policies and terms is essential to make informed decisions and avoid any financial stress in the future. Take the time to read and comprehend the agreement thoroughly, and feel free to seek clarification from the lender if needed.

By doing so, you can enjoy the convenience of purchasing your desired electronics on emi while staying within your financial means.

Managing Emi Payments

Setting up automatic payments or reminders:

  • One of the easiest ways to ensure that you never miss an emi payment is by setting up automatic payments. With this option, the payment will be deducted from your bank account on the specified due dates, saving you the hassle of remembering to make the payment manually. Here’s how you can set it up:
  • Contact your bank or financial institution to inquire about their automatic payment options for emis.
  • Provide relevant details such as your emi account number and the due dates.
  • Choose a convenient date for the automatic deduction, making sure there are sufficient funds in your account.
  • Monitor your bank statements to ensure that the payments are being made correctly.

Tracking emi payment schedules and due dates:

  • Keeping track of your emi payment schedules and due dates is crucial to avoid late payments or additional charges. Here are a few tips to help you stay on top of your emi payments:
  • Maintain a record of all your emi contracts, noting down the payment amounts, due dates, and duration.
  • Set reminders on your smartphone or use a calendar app to notify you about upcoming payment deadlines.
  • Consider creating a dedicated folder in your email inbox to keep all emi-related correspondence in one place.
  • Use financial management apps or software that can track your emi payments and send you reminders.

Tips for budgeting and managing finances effectively:

  • Effective budgeting is essential when it comes to managing emi payments and ensuring your financial stability. Here are a few tips to help you budget and manage your finances efficiently:
  • Assess your income and expenses to determine a realistic budget that allows you to meet your emi payments comfortably.
  • Prioritize your emi payments by setting aside funds specifically for them before allocating money for other discretionary expenses.
  • Look for opportunities to cut back on unnecessary expenses to free up more money for your emi payments.
  • Consider creating an emergency fund to cover unexpected expenses that may arise during your emi tenure.
  • Seek expert advice from financial planners or advisors to better understand and manage your finances.

By setting up automatic payments or reminders, tracking your emi payment schedules and due dates, and implementing effective budgeting strategies, you can ensure a smooth emi experience while managing your finances responsibly. Make the most of these tips to stay on top of your emi payments and maintain your financial well-being.

Warranty And After-Sales Services For Emi Purchases

Purchasing appliances and electronics on emi can be a convenient way to acquire the latest gadgets without breaking the bank. However, understanding the warranty coverage and after-sales services is essential to ensure a smooth ownership experience. In this section, we will delve into the details of warranty coverage for emi purchases and provide insights on how to avail of after-sales services for these products.

Understanding Warranty Coverage For Emi Purchases

  • When buying appliances or electronics on emi, it is crucial to be aware of the warranty coverage provided by the retailer or manufacturer.
  • Warranty periods can vary depending on the brand and type of product, ranging from one year to several years. It is important to check the warranty duration before making a purchase.
  • The warranty usually covers manufacturing defects, faulty parts, and other issues that may arise within the specified time frame.
  • It is advisable to review the terms and conditions of the warranty to understand what is included and excluded from coverage. This will help avoid any surprises or misunderstandings later on.
  • In case of any defects or problems during the warranty period, it is best to contact the retailer or manufacturer for assistance. They will guide you on the necessary steps to take for repairs or replacements.

How To Avail After-Sales Services For Appliances And Electronics Purchased On Emi

  • After-sales services are vital to ensure the longevity and proper functioning of your appliances and electronics. Here’s how you can avail these services for emi purchases:
  • Register your product: Many manufacturers require you to register your product to be eligible for after-sales services. Keep the purchase details and warranty documents handy for easy registration.
  • Contact customer support: If you encounter any issues with your emi purchase, reach out to the customer support team of the retailer or manufacturer. They will provide guidance on the next steps to resolve the problem.
  • Follow troubleshooting instructions: Sometimes, minor issues can be resolved by following troubleshooting instructions provided by the manufacturer. These instructions may be available in the product manual or on the manufacturer’s website.
  • Schedule repairs or replacements: If the issue cannot be resolved through troubleshooting, the customer support team will guide you on scheduling repairs or replacements. They will provide information on service centers or technicians who can assist you.
  • Keep all relevant documentation: Throughout the process of availing after-sales services, it is essential to keep all relevant documents, including invoices, warranty cards, and correspondence with customer support. These documents will be crucial for future reference.

Handling Repairs And Replacements For Emi Purchases

  • Repairs and replacements are part of the after-sales service process for appliances and electronics purchased on emi.
  • If your product requires repairs, contact the customer support team to initiate the process. They will direct you to authorized service centers or technicians who can assess and fix the problem.
  • In case the product cannot be repaired and needs to be replaced, the customer support team will guide you on the necessary steps. This may involve returning the faulty product and receiving a replacement.
  • Be sure to adhere to the instructions provided by the customer support team to ensure a smooth repairs or replacement process.
  • Remember to utilize the warranty coverage for eligible repairs or replacements. It is crucial to understand the terms and conditions of the warranty to avoid any discrepancies.

By familiarizing yourself with the warranty coverage and after-sales services for emi purchases, you can make informed decisions and ensure a hassle-free ownership experience. Whether you need repairs, replacements, or general assistance, following the guidelines provided by the retailer or manufacturer will help you navigate the process seamlessly.

Tips For A Smooth Emi Purchase Experience

If you’re planning to buy a mobile, laptop, refrigerator, washing machine, or ac on emi in bangladesh, there are a few key factors to consider to ensure a smooth purchasing experience. By following these tips, you’ll be able to make an informed decision and avoid any potential hassles or disappointments.

Here are some important points to keep in mind:

Researching The Seller’S Reputation And Customer Support

  • Check online reviews and ratings of the seller: Look for feedback from previous customers to get an idea about their overall reputation and the quality of their products.
  • Evaluate their customer support: Ensure that the seller offers reliable customer support, including contact information and accessible channels for assistance. This can be helpful in case of any issues or queries that may arise during your purchase or afterward.

Checking For Ongoing Promotions Or Discounts

  • Explore current offers: Keep an eye out for any ongoing promotions, discounts, or special deals that can help you save money on your purchase. Many sellers offer periodic sales or seasonal discounts, so it’s worth being on the lookout for these opportunities.
  • Subscribe to newsletters or follow social media pages: Stay updated on the latest offers by subscribing to newsletters or following the seller’s social media accounts. This way, you’ll be among the first to know about any exclusive deals or limited-time offers.

Understanding Return And Exchange Policies

  • Familiarize yourself with the return policy: Before making a purchase, carefully read and understand the seller’s return policy. Ensure that it aligns with your expectations and provides a reasonable timeframe for returns or exchanges in case of any issues with the product.
  • Check for any additional charges: Some sellers may have restocking or processing fees associated with returns or exchanges. Be aware of these charges and factor them into your buying decision.

Opting For Extended Warranties Or Protection Plans

  • Consider extended warranties: If the seller offers extended warranties or protection plans, evaluate whether they provide additional coverage beyond the standard warranty. Extended warranties can be valuable for protecting your investment and providing peace of mind.
  • Understand the terms and limitations: Take the time to carefully read and comprehend the terms and conditions of any extended warranty or protection plan. Ensure that you are aware of what is covered, what is not covered, and any limitations or exclusions that may apply.

Remember, a smooth emi purchase experience begins with thorough research, understanding of policies, and taking advantage of any available promotions. By following these tips, you’ll be well-prepared to make an informed decision and enjoy your new mobile, laptop, refrigerator, washing machine, or ac hassle-free.

Frequently Asked Questions For How To Buy Mobile/Laptop/Refrigerator/Washing Machine/Ac On Emi In Bangladesh

What Are The Benefits Of Buying Mobile/Laptop/Refrigerator/Washing Machine/Ac On Emi In Bangladesh?

Buying these appliances on emi in bangladesh allows you to spread the cost of your purchase over a period of time, making it more affordable. It also helps you to manage your budget by making fixed monthly payments. Additionally, you can own the appliance immediately without having to save up the full amount.

How Can I Check My Eligibility For Mobile/Laptop/Refrigerator/Washing Machine/Ac Emi In Bangladesh?

To check your eligibility for emi in bangladesh, you can visit the respective retailer’s website or contact their customer service. They will guide you through the process and provide you with information on eligibility criteria, required documents, and any additional steps that need to be taken.

What Are The Interest Rates For Mobile/Laptop/Refrigerator/Washing Machine/Ac Emi In Bangladesh?

Interest rates for emi in bangladesh vary depending on the retailer and financial institutions involved. It is recommended to compare different options and check for promotional offers to find the best interest rates available. Contact the retailer or financial institution directly for specific details related to interest rates and any applicable charges.

Can I Choose The Emi Tenure For Mobile/Laptop/Refrigerator/Washing Machine/Ac In Bangladesh?

Yes, most retailers and financial institutions in bangladesh offer the flexibility to choose the emi tenure that suits your financial situation. The tenure options typically range from 3 months to 36 months, allowing you to select a repayment period that fits your budget and preferences.

What Documents Do I Need To Provide For Mobile/Laptop/Refrigerator/Washing Machine/Ac Emi In Bangladesh?

The documents required for emi in bangladesh may vary depending on the retailer and financial institution. Generally, you will need to provide proof of identity, address, income, and employment, along with any other specific documents requested by the retailer or financial institution.

Contact the respective entity for a comprehensive list of documents required.

How Can I Calculate The Emi Amount For Mobile/Laptop/Refrigerator/Washing Machine/Ac In Bangladesh?

You can use online emi calculators available on retailer websites or financial institution portals. Simply enter the purchase amount, tenure, and applicable interest rate to get an estimate of your monthly emi. This allows you to plan your finances accordingly and choose the most suitable option for your budget.


To acquire your desired mobile, laptop, refrigerator, washing machine, or ac on emi in bangladesh, you should always consider the various financing options available. Conduct thorough research to identify the best emi plans provided by reputed retailers, banks, or online marketplaces.

Compare interest rates, loan tenure, processing fees, and repayment options to make an informed decision that suits your budget and requirements. Additionally, ensure that you meet the eligibility criteria set by the financing institution. Keep in mind the fine print and any hidden charges that might arise during the tenure.

By following these steps, you can easily purchase the electronic appliances you desire and enjoy the flexibility of paying through emis. So start exploring your options today and turn your dreams into reality!