iPhone 12 64 GB

 133,999.00 134,000.00 (-0%)

In stock

EMI Calculation in NPR ( Amount Not Include after (Decimal)
Varients Price 6 Month EMI 12 Month EMI 18 Month EMI
  64 GB 126900 21150 10575 7050
128 136900 22817 11408 7606
256 152900 25483 12742 8494
Download Quotation For Iphone 12 64 GB
Download Quotation For Iphone 12 128 GB
Download Quotation For Iphone 12 256 GB

Loan Application Form – Siddhartha Bank, Mega Bank, Global IME Bank,

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iPhone 12 Specification

For iPhone 12 Specification (Please Scroll Down)

About EMI

An equated monthly installment (EMI) is a fixed payment amount made by a borrower to a lender at a specified date each calendar month. EMI Process is applicable only for Credit cardholders. Equated monthly installments are applied to both interest and principal each month so that over a specified number of years, the loan is paid off in full.

KEY TAKEAWAYS

  • An equated monthly installment (EMI) is a fixed payment made by a borrower to a lender on a specified date of each month.
  • EMIs are applied to both interest and principal each month so that over a specified time period, the loan is paid off in full.
  • EMIs can be calculated in two ways: the flat-rate method or the reducing-balance method.
  • The EMI reducing-balance method generally is more favorable for borrowers, as it results in lower interest payments overall.
  • EMIs allow borrowers the peace of mind of knowing exactly how much money they will need to pay each month toward their loan.
  • Samsung Galaxy M12 Specification in below (Please Scroll Down)

How an Equated Monthly Installment (EMI) Works

EMIs differ from variable payment plans, in which the borrower can pay higher amounts at his or her discretion. In EMI plans borrowers are usually only allowed one fixed payment amount each month. The benefit of an EMI for borrowers is that they know precisely how much money they will need to pay toward their loan each month, which can make personal budgeting easier. The benefit to lenders (or investors the loan is sold to) is that they can count on a steady, predictable income stream from the loan interest.

What will be the Monthly installment and how to calculate it?

 Monthly EMI is calculated as per the approved finance amount –

For example, if the approved amount is Rs 30,000/-

Monthly EMI = Total approved amount / duration (in Month

For 6 Month -> Rs 30,000/- / 6 Month = Rs 5000/- per Month

For 12 Month -> Rs 30,000/- / 12 Month = Rs 2500/- per Month

For 18 Month -> Rs 30,000/- / 18 Month = Rs 1666.66/- per Month

Is EMI Good or Bad?

 EMI is neither inherently good nor bad—unless you consider borrowing and accruing debt bad, and paying for things in full the only “good” option.

In terms of borrowing options, EMI does have its good points, though. Because it divides the debt into the same fixed payments each month, it helps borrowers budget their finances and keep in mind their outstanding obligations. They know how much they have to pay, and how long it will take them to settle their debt in full.

For More information please visit:

https://eminepal.com/

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Check Complete EMI Process before applying at Bank  

iPhone 12 Specification

Dimension: 146.7 x 7.4 x 71.5mm | Weight: 164gm
Display: 6.1-inch (2532×1170 pixels) OLED Super Retina XDR display, 460ppi
Chipset: Six-core A14 Bionic 64-bit processor, 16-core Neural Engine
Storage: 64GB, 128GB, 256GB
Operating System: iOS 14.2
Back Camera:
– 12MP wide-angle f/1.7 primary camera, 7-elements lens, OIS, True Tone flash with Slow Sync, 4K Dolby Vision video recording at 60 fps,
– 12MP 120° Ultra Wide f/2.4 camera, 7-elements lens
Front Camera: 12MP front camera with f/2.2 aperture, 1080p video recording, Retina Flash, Dolby Vision HDR recording up to 30 fps, 4K video recording at 60 fps, Slo‑mo 1080p at 120 fps
Security: TrueDepth camera for FaceID facial recognition
Connectivity: 5G (sub-6GHz and mmWave), Gigabit LTE with 4×4 MIMO and LAA, 802.11ax Wi‑Fi 6 with 2×2 MIMO, Bluetooth 5.0, NFC, GPS with GLONASS, GLONASS, Galileo, QZSS, and Beidou
Other features: Water and dust resistance (IP68), Stereo speakers
Color options: White, Black, Green, Blue, (PRODUCT)RED
Battery: 2815mAh; 20W fast charging, 7.5W Qi Wireless Charging; 15W MagSafe Wireless Charger (No charger included in the box)
Price: Rs. 134,000 (64GB) | Rs. 142,000 (128GB) | Rs. 158,000 (256GB)

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