by American standards it's overpriced, but it's all quality parts, so certainly the PC itself will be decent. No dedicated graphics would be an issue for most people.

I spent a similar price 2 years ago (outside US), but this included adding several upgrades (graphics card, memory, ssd), so I think you might be able to do better if you shopped around.

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Yes but the real deal is that i dont have the whole money to shop around and this is the only way i have to pay it easily while i still get an inmediate upgrade

If you say the pc will be decent then it makes me think it will be really good for my standard

for sure, I'd say the generous payment plan has to be worth something, and you can always keep your eyes open for upgrades down the road

Yes exactly!

My friend said that in a future we could addad a graphic card to it

It is possible?

Should be; main board likely supports it, but you should check the power supply too