I am HR of a company. We wish to give Mac Laptops to few of our employees. We also wish to create a scheme around it, where in the company buys the laptop, and gives to the employee and then deducts part money from the employee over a period of time so that they own the laptop. Eventually when the employee leaves the company, they take the laptop with them...
Has anyone heard of such a scheme?.. Can anyone provide me a sample/draft scheme of this sort, so that I can implement it in my company.

From India, Bangalore
Dinesh Divekar
Business Mentor, Consultant And Trainer
Learning & Teaching Fellow (retired)
Gopinath Varahamurthi
Mindhour Partner, Ass.professor/adm. Officer,

Dinesh Divekar

Dear Joan,

Laptop is capital asset. Companies buy capital assets to run their businesses. Now in your case, you wanted your employees to make capital purchase on your company's behalf. Will the employees accept this fact? If the employees are going to pay for the laptops then what if someone is not interested to buy Mac? Why not Acer or Dell or any other for matter? Will your company get significant discount on MRP which otherwise will not be available for normal purchase? And what if the employees have the laptop already? Why they will buy another one?

Your argument could be that your company is ready to provide the credit. But then credit is also provided by the credit card companies or retail sellers also. So why employees will take credit from your company?

If the scheme works well then your company will be asset-light company. Any businessperson would envy it. I say so because I foresee recovery of the assets in an year or so. But then you should be able to sell this idea. Nevertheless, what about network security issues? Since the laptop belongs to the employee, he/she will have complete right to browse the websites of their own choice? Will it be acceptable? How will you handle issues related to the data security?

As far as monthly deduction from salary is concerned, this will be non-statutory deduction. Therefore, you should include the clause to this effect in the appointment letter itself. For the employees who are already on the rolls, for them you need to issue separate letter on your company letterhead and obtain their permission for the monthly deduction. But then I have questions about this basic idea itself. Generally car rental agencies tell drivers to bring their own car and then they are allowed to become member. But then the drivers have complete freedom to switch from one car rental agency to another. However, your case will be different. Who will pay the maintenance charges? Who will pay the insurance charges? There are so many things involved gentleman. You need to have comprehensive view of this concept and then make a draft.


Dinesh Divekar

From India, Bangalore

Kindly read the article at US research warns of blurred lines around device security | Sorry, I have not got the time to read and summarize it. More such articles are there at
From United Kingdom
gopinath varahamurthi

Dear Anonymous,
It is always appreciable and praiseworthy to go for money payments, in the form of loan interest free loan would benefit your company and the way you look the benefits. It will benefit you as a whole. In the present day situation what all an organisation thinks may get outdated and the loyalty is being questioned, better prospect is giving benefits to employee`s real needs and not to organisational wishes.

From India, Arcot

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