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- 1No-cost EMI deals in India can still cost buyers extra●Illustrative no-cost EMI: ₹2,653 interest offset by merchant; 18% GST on interest ₹477.54, plus assumed ₹199 fee and ₹35
A personal finance breakdown of a typical Indian no-cost EMI offer shows the merchant offsets ₹2,653 in interest, but buyers still face ₹477.54 in GST on that interest plus an assumed ₹199 processing fee and ₹35.82 GST on the fee, adding ₹712.36 in hidden costs. The analysis urges shoppers to check actual terms and asks whether checkout pages display fees and taxes separately.
- 2Dynamic pricing: why your spending habits may set your price●Understanding dynamic pricing: Why some companies charge you more based on your spending habits
Yahoo Finance explains dynamic pricing, the practice where companies charge different customers different prices based on their spending habits and other personal data. The article outlines how firms use customer data to adjust prices, what that means for shoppers' wallets, and how consumers can recognise when personalised pricing may be affecting what they pay.
- 3Car buyers stretching loans to afford payments, analyst warns●Car buyers are stretching loans to afford payments — it's a 'potential warning light,' analyst says
An analyst says more car buyers are taking out longer loans to keep monthly payments affordable, calling the trend a 'potential warning light' for household finances and the auto market. Longer loan terms can mean buyers owe more than their cars are worth and carry debt for years, raising concerns as vehicle prices and borrowing costs stay high.