Good information bro. I want to add few things. 1. Take the sanction letter . EMI, tenure, ROI, PPC,Doc chg , all necessary details are mentioned in it. Go through this carefully then sign the loan document. 2. If possible take loan during festive period like dasera, diwali, or in the month of march, u ll get best ROI, Nil PPC, NIL doc chg. 3. Prefer Public sector Bank over Pvt as there is negligible hidden charges . Most of d time no hidden charge. 4. GOOD CIBIL low ROI. CIBIL has 2 score one is TU another z personal. Check which bank offer best ROI as per your CIBIL score, as some bank take TU/some consider personal score. I hope it ll help
dhanyawad sir ji, apne loan ki baate badi baariki se batayi jisme 90% log fas hi jate hain.bahut bahut dhanyawad, maine ek ek point note kr liya ab car loan lete time fasunga nahi
bhai apne shi bola maine bike li thi unhone 9% btaya tha bt douments me bad me 13.5 % show ho rha tha , bhot ghuma fira bt unhone bola hmne 13.5 hi bola tha apki side se prblm hui thi us time
Mere sath bhi kuch aisa hi hua tha Emi 36 months ki magr mere acount se total 37 month nikli...maine kafi time baat dhyan Diya is baat ka loan khtm hone ke baad ICICI Bank se liya tha car loan
Aik Hero Magnite show room mein gaya wahan 2-3 smart sales girl ne gher liya aur loan bhi dilwa diya private bank se. Hero ki purani gadi bhi bikwa di. 2-3 din baad Hero Magnite SUV le ke aa gaya, aik month ke baad magnite ki nissan co bhaag gayi aur Hero ki Magnite ka break down bhi ho gaya, Ab ye gadi ki market value zero hai aur 8 lakh ka nuksaan ho gaya.
Sahi baat hai..lekin agar Income ke hisab se gadi lia to ye dikkat nhi hogi first issme loan hojayega.. Lekin agar loan ki demand jyda hai to 3-4 banks me cibil check honge.
Some pvt banks offer loans on slightly lower interest rates, provided you agree to repay on 'non-reducing' interest basis, which means interest amount is computed on total amount, not the remaining amount. This will result in a higher emi even if offered interest rate is half of regular loan interest rate.
Bahut se cars bina sale ke padi hain yard mein aur lag bhag half rate per mil jati hain, maruti ki gadian jo bik nahin saki wo padi hain 2-3-4 saal se. Loan lene ki bajaye ye gadian kharidi ja sakti hain. Mein kabhi bhi company ke service center se service nahin karata wahan per bhi part ya battery badal dete hain. Paise kabhi bhi pehle nahin dene chahiye yaad rakhkho .
Can you please make a video of complete process for a car loan. RIght from selecting a car, to getting approval letter from bank and going to dealership
Very useful information jab main bhi bike le thai bola kuch rate fir meri ko un ki baat per agree karna pada per aab apni handwriting se apna loan forn fill up Karo gaya kuch baatein samaj nahi ayega is lei vedio dubra dekho gaya thank yu yu bhai
धंधे का पहला रूल यही है कि ग्राहक से इतनी मीठी मीठी बातें करो कि उसको लगे कि सामने वाला मुझे ठग ही नही रह बल्कि मेरे लिये तो ये अपना घाटा तक सहने को तैयार है जबकि ऐसा किसी धंधे में व्यापारी नही कर सकता...मुनाफ़ा तो बनना तय है चाहे 10 का बने या 1000 का 😂😂😂😂
Khush rahne ke chakkar mai 22.22% Kaa interest lagaa diya HDFC ne mere car loan pe, Hua ye ki Bank waale ne bolaa Flat 12 % kaa Rate of interest lagega aapko here the main word is flat, They play the games very smartly, Isliye thoda toh dhyaan denaa padega bhai. Jai Shri Ram
Bhai jo aapki tarah sochate hain aur loan nahi bhar paate toh suicide karte hain. Aapko avval toh loan lena hi nahi chahiye, dusra jo inhone baatein batayi hain sahi hain. Agar aap cash payment par gaadi lete ho toh dealer aapko jyada discount dete hain. Maine Acko se 2024 model ki gaadi li showroom se bhi best price mein. Loan ka dekha toh apni home loan par li huyi galti yaad aayi. Isliye cash mein le liya. Agar aap taxi driver nahi hain toh EV ke price bahut inflated hain woh toh cash mein le kar bhi 15 years mein break even cross nahi karegi. Woh toh kharidni hi nahi hain. Agar aapke pass cash hain toh kabhi bhi loan mat lo. Reason home loan ya aiyo loan ka compound effect padhta hain. Aap loan amount se bhi jyada pay karoge. Koi bhi mutual fund, insurance, fd, bond aapko 15 percent reeturn nahi deta. Stock market hi aapko itna return de sakta hain, agar aap mein itna dimag, skills & patience hain. Gaadi jab aap resale karte ho toh bhi toh bhi aapko loss hoga.
car loan cover mujhse bina pooche car loan amount mein daala and amount disburse hochuki hai, ab main car loan cover/insurance cancel kaise karsakta hu?
कोई भी लोन लेते समय इंश्योरेंस जरूर करवा आपने इसे लेने से मना किया या गलत बात है, ठीक है गाड़ी कागज पर लोन देने वाले का नाम लिखा रहता है लेकिन मेरे मरने के बाद वह मेरी गाड़ी लेकर क्यों जाएगा? इंश्योरेंस रहेगा तो मरने के बाद गाड़ी हमारी होगी बाकी की रकम इंश्योरेंस कंपनी उसको देगी और कोई गाड़ी लेकर के भी नहीं जाएगा घर वालों से
Hum new car purchase karne wale hai but budget kam hai aur first time lenewale hai show room me to bahut gadbad lagta hai kuch malum hi nahi padta kya kare sir
Video toh acha tha but main point pe kuch nahi bola… Car loan mei sab se bara fanda IRR ka hai. Loan dene wale institute aapko rate of interest itna hai bolenge but aapse wasul karenge IRR, means internal rate of return jo ki rate of interest ka almost double hota hai..
Bahut badiya Salah de rahey bhai sahab bahut dhanyawad bank toh bekar mai civil kharab Kar detey hai jabarjaste credit card bhejtey hai aap wapas Kar deter hai pair bhe bank chakerbarty interest laga Kar uska civil kharab Kar detey hai
Sir aapne jo example diya do alag alag Interest ka usme Kis type ka interest lagaaya..?? Agar simple interest Calculate kare --- 5 lac , 5yrs , @ 7.5% to -- 5 saal ka Total Interest to 187500 aayga aur 1 Saal ka 37500. aur aapne 101138 kaise le liya. Waise hi Agar rate ab 8% ho to Interest 2 lac hoga..??
काफी अच्छी सलाह दी है आपने ऐसे ही सलाह देश की जनता को देते रहे जिससे बैंको के कार्य मे लोंगो को मदद मिलती रहे। धन्यवाद
Yes
Good information bro.
I want to add few things.
1. Take the sanction letter . EMI, tenure, ROI, PPC,Doc chg , all necessary details are mentioned in it. Go through this carefully then sign the loan document.
2. If possible take loan during festive period like dasera, diwali, or in the month of march, u ll get best ROI, Nil PPC, NIL doc chg.
3. Prefer Public sector Bank over Pvt as there is negligible hidden charges . Most of d time no hidden charge.
4. GOOD CIBIL low ROI.
CIBIL has 2 score one is TU another z personal. Check which bank offer best ROI as per your CIBIL score, as some bank take TU/some consider personal score.
I hope it ll help
Mmmmmmmmm😊😊😊mmmmmmmmmmmmmmmmmmm😊😊mmmmm😊😊mmmm😊😊😊😊😊
कोई तो है जो 225 ली. बूट स्पेस और टायर प्रोफाइल R15 के अलावा बात कर रहा !!!
🙏🏼🙏🏼🙏🏼🙏🏼🙏🏼🙏🏼
धन्यवाद भाई !!!
🙏🏼🙏🏼🙏🏼🙏🏼🙏🏼
सही कहा भाई
बाकी सब वही लगे है
😂
boot space se jyada pese jaruri hai 😅
बहुत ही अच्छी जानकारी दी है,बहुत बहुत धन्यवाद आपका
जागरूकता ही बचाव है
dhanyawad sir ji, apne loan ki baate badi baariki se batayi jisme 90% log fas hi jate hain.bahut bahut dhanyawad, maine ek ek point note kr liya ab car loan lete time fasunga nahi
Alto K10 top model book kiya hai June 2024.. 5.55 mila hai sb laga ke.. Bank of Baroda se loan sanction ho gya.. 9% rate pe..
Mera 7.2% pe bhai
@@IndiaSupremacy kahan se bhai?
@@IndiaSupremacyloan kitna ka he or kitna mahine ke liye kitni rs ki emi bani
Reducing interest check kro km se km 10 11% se km ni hota
Flat interest bolke reducing interest pe 12% lgta h
bhai apne shi bola maine bike li thi unhone 9% btaya tha bt douments me bad me 13.5 % show ho rha tha , bhot ghuma fira bt unhone bola hmne 13.5 hi bola tha apki side se prblm hui thi us time
Awesome info...............apane to bank walonki laga di sach bolake............thank you so much!
Mere sath bhi kuch aisa hi hua tha
Emi 36 months ki magr mere acount se total 37 month nikli...maine kafi time baat dhyan Diya is baat ka loan khtm hone ke baad
ICICI Bank se liya tha car loan
Very nice information.... सही बात है..... ये लोग अपना उल्लू शिधा करने के लिए कुछ भी कर सकते हैं।
Dekho bhai jo aadmi car lega itna 2-4 percentage nahi dekhega kyoki car koi middle class wale nahi lete
कार लोन ही नहीं हर तरह के लोन के लिए यह विडिओ उपयोगी है।विडिओ लोगों को बहुत सतर्क करता है।
Bajaj finance se kabhi bhi loan nahi lena hai, dhyan rakhe
Bilkul Bhai
Kyu bhai mein car loan le raha hu bajajfinserv se ?
😂😂
Ekdam sahi baat.... Plz. Avoid Bajaj finance
Bajaj finance worst loan ever....bike ka interest 11.5% bola tha aur 26% laga diya
Bhai god bless you. .. First time ever I'm thankful to some one..
Bhai, Aapne bahot Perfect Video banaya hai and bahot kamki baat batayi hai. Aapkoh achcha knowledge hai. Thank you very much
Aik Hero Magnite show room mein gaya wahan 2-3 smart sales girl ne gher liya aur loan bhi dilwa diya private bank se. Hero ki purani gadi bhi bikwa di. 2-3 din baad Hero Magnite SUV le ke aa gaya, aik month ke baad magnite ki nissan co bhaag gayi aur Hero ki Magnite ka break down bhi ho gaya, Ab ye gadi ki market value zero hai aur 8 lakh ka nuksaan ho gaya.
Sahi baat hai..lekin agar Income ke hisab se gadi lia to ye dikkat nhi hogi first issme loan hojayega.. Lekin agar loan ki demand jyda hai to 3-4 banks me cibil check honge.
Some pvt banks offer loans on slightly lower interest rates, provided you agree to repay on 'non-reducing' interest basis, which means interest amount is computed on total amount, not the remaining amount.
This will result in a higher emi even if offered interest rate is half of regular loan interest rate.
this case is for all of the private banks..I have experienced with my car loan with HDFC.
Mera car dealer seedhe UNION BANK se loan dila diya jabki mai umra cross kar chuka tha aur bank special permission le kar loan diya.😊😊
Bai union bank ka experience kesa rahi … rate of interest kya lya
Bahut se cars bina sale ke padi hain yard mein aur lag bhag half rate per mil jati hain, maruti ki gadian jo bik nahin saki wo padi hain 2-3-4 saal se. Loan lene ki bajaye ye gadian kharidi ja sakti hain.
Mein kabhi bhi company ke service center se service nahin karata wahan per bhi part ya battery badal dete hain. Paise kabhi bhi pehle nahin dene chahiye yaad rakhkho .
Ye bhot badhiya video tha. Lots of imp tips. Bhot kam videos mein aise to the point info milta hai. Thanks.
Can you please make a video of complete process for a car loan. RIght from selecting a car, to getting approval letter from bank and going to dealership
बहुत काम की वीडियो धन्यवाद भाई साहब 👍
लोन के चक्कर में पढ़ना ही नहीं चाहिए मजबूरी हो तब जरूरी है
Good one your way of explanation shows the care for common man vs market nexus 👍👍
Very useful information jab main bhi bike le thai bola kuch rate fir meri ko un ki baat per agree karna pada per aab apni handwriting se apna loan forn fill up Karo gaya kuch baatein samaj nahi ayega is lei vedio dubra dekho gaya thank yu yu bhai
Awesome ! World needs these kind of video. Educating and meaning making. 😊
Loan ke bare me full proccec bataiye sir kaise loan le
धंधे का पहला रूल यही है कि ग्राहक से इतनी मीठी मीठी बातें करो कि उसको लगे कि सामने वाला मुझे ठग ही नही रह बल्कि मेरे लिये तो ये अपना घाटा तक सहने को तैयार है जबकि ऐसा किसी धंधे में व्यापारी नही कर सकता...मुनाफ़ा तो बनना तय है चाहे 10 का बने या 1000 का 😂😂😂😂
बहुत अच्छा bataya sir आपने
Last wala point bhut achha hai. Isse har cheez mwin lagoo karna chahiye.
So nice video bhai ji i am big fan for your ap sab kuch ak dam sahi bata ho
Cibil update 15....30 days me hota hai, ek bank se dusre bank me Jane pr sirfye pata chalta ki es bank me gya hai cibil check hua hai
मैने used कार लोन पे ली है लेकिन डिलर ने लोन के लिए एक लाख का चुना लगा दिया और 3 लाख की गाडी देदी 4.50 लाख मे 😢ऊपर से व्याज अलग शोरूम की किमत लेली
private finanace or dealers k chkkr me pdne ka mtlb hai 30 % tk ROI hote hai
Used car showroom pr milti hai??
यूज्ड कार का फायदा तब है जब 7 लाख की नई गाड़ी आपको एक दो साल पुरानी 5 लाख में मिल रही हो और आप कैश में गाड़ी ले रहे हो
Itna sochte rahoge to dukhi rahoge , kuchh jagah apni nahi chalti ,mehnge hotels ,iphones, Car showroom price etc.. khush raho yar
True
Paise valo ko sochna nahi padta lekin mehanat karke paise jama karke car lenevalo ko jarur sochna padta hai
Khush rahne ke chakkar mai 22.22% Kaa interest lagaa diya HDFC ne mere car loan pe, Hua ye ki Bank waale ne bolaa Flat 12 % kaa Rate of interest lagega aapko here the main word is flat, They play the games very smartly, Isliye thoda toh dhyaan denaa padega bhai. Jai Shri Ram
@@darshantiwari1772hdfc wala radni ka bacha h mjhe v bola 10% ka h but 17.5 ka roi diya meko
Bhai jo aapki tarah sochate hain aur loan nahi bhar paate toh suicide karte hain. Aapko avval toh loan lena hi nahi chahiye, dusra jo inhone baatein batayi hain sahi hain. Agar aap cash payment par gaadi lete ho toh dealer aapko jyada discount dete hain. Maine Acko se 2024 model ki gaadi li showroom se bhi best price mein. Loan ka dekha toh apni home loan par li huyi galti yaad aayi. Isliye cash mein le liya.
Agar aap taxi driver nahi hain toh EV ke price bahut inflated hain woh toh cash mein le kar bhi 15 years mein break even cross nahi karegi. Woh toh kharidni hi nahi hain.
Agar aapke pass cash hain toh kabhi bhi loan mat lo. Reason home loan ya aiyo loan ka compound effect padhta hain. Aap loan amount se bhi jyada pay karoge.
Koi bhi mutual fund, insurance, fd, bond aapko 15 percent reeturn nahi deta. Stock market hi aapko itna return de sakta hain, agar aap mein itna dimag, skills & patience hain.
Gaadi jab aap resale karte ho toh bhi toh bhi aapko loss hoga.
Very informative. Thanks a lot 😊
Great video my friend wishing you good health and success in life love you ji❤❤❤❤🙏
Bahut zaroori information hai. Thank you
car loan cover mujhse bina pooche car loan amount mein daala and amount disburse hochuki hai, ab main car loan cover/insurance cancel kaise karsakta hu?
आपका बहुत-बहुत धन्यवाद सर आपने इतने इनफॉर्मेटिक वीडियो जनता के लिए प्रस्तुत की
कोई भी लोन लेते समय इंश्योरेंस जरूर करवा आपने इसे लेने से मना किया या गलत बात है, ठीक है गाड़ी कागज पर लोन देने वाले का नाम लिखा रहता है लेकिन मेरे मरने के बाद वह मेरी गाड़ी लेकर क्यों जाएगा? इंश्योरेंस रहेगा तो मरने के बाद गाड़ी हमारी होगी बाकी की रकम इंश्योरेंस कंपनी उसको देगी और कोई गाड़ी लेकर के भी नहीं जाएगा घर वालों से
Govt bank ke agent ke sath bhi negotiate kar sakte hai?
Hum new car purchase karne wale hai but budget kam hai aur first time lenewale hai show room me to bahut gadbad lagta hai kuch malum hi nahi padta kya kare sir
बिलकुल सही बोला आप ने मेरे साथ भी ऐसा ही हुआ मेरा सिबिल खराब होने के कारण हमको भी 9.70%से लेना पढ़ा
Ascha civil kitna hota hei sir
Flat 9.7 or reducing
Video toh acha tha but main point pe kuch nahi bola… Car loan mei sab se bara fanda IRR ka hai. Loan dene wale institute aapko rate of interest itna hai bolenge but aapse wasul karenge IRR, means internal rate of return jo ki rate of interest ka almost double hota hai..
Apne bilkul sahi bataya bhai
Thanks brother,
I cleared many points.
Bahut badiya Salah de rahey bhai sahab bahut dhanyawad bank toh bekar mai civil kharab Kar detey hai jabarjaste credit card bhejtey hai aap wapas Kar deter hai pair bhe bank chakerbarty interest laga Kar uska civil kharab Kar detey hai
Thank you so much for the most important information. It will really help to everyone who is going to take Car loan.. 🙏🏻
Second hand car per reducing interest balance wala car loan mil jayega kya
Really its a helping video for us,
👍👍 Excellent video sir
Thank you soo much for this fruitful information... ✋️ from indore
10% interest is ok on car !!!
Superb.. Superb... Superb... Eye opening video.. 😢
Thank you for your suggestion❤
Very insightful. Thanks for this video👍
More important information regarding loan 😮❤
nice information. advance emi ka fatka muje lag chuka h
Informative video. Thanks
Excellent information, I am going to take a car loan and help me this lot.
बिल्कुल राइट सर धन्याद
Thank you for advice brother very useful video.
Needfull information brother👏👏👏
Psu banks se kese rate of interest kam karwaye...
Very Informative Thanks, 🙏
Sir aap sahi information Diya hai....😮😮😮
Bahut sahi kaha
Part payment option, pre closure r also imp facts
Kya government Bank main bhi hota hai kya pls reply
Thanks sir , For informative video
Sir aapne jo example diya do alag alag Interest ka usme Kis type ka interest lagaaya..??
Agar simple interest Calculate kare --- 5 lac , 5yrs , @ 7.5% to -- 5 saal ka Total Interest to 187500 aayga aur 1 Saal ka 37500.
aur aapne 101138 kaise le liya. Waise hi Agar rate ab 8% ho to Interest 2 lac hoga..??
Very good, important information.Thanks.
Good lesson bhai
Very informative. Thanks for sharing...
Thank you so much Dear
Advice or make a video on Home Loan please
Many Many Thanks 👍👍👍
थैंक्स भाई
बहुत जरूरी बात बताई
बहुत बढींया सर।
Thank you for really helpful information
sir agar emi k alawa har mahine extra paise pay kre to wo amount principal amount me se km hoga kya?
Thanku so much sir aapki knowledge k liye
Government bank se internet banking se online loan apply karte time usme kuch zol ho sakta hai ??? Usme kya dhyan rakh sakte hai ??
Online aapko sab clear hota hai. Ek baar dhyan se main terms read kr lo about processing fee etc.
Bhai is sab se accha hai aap mail confirmation lo banker se Kyuki bahrne bethoyge to ho liya
Thank you very much good information.
Hi Sir Car loan pe GST lagta h kya?
Very informative
Thanks for useful information
आपका चश्मा अच्छा है ।
Good information
Appreciated
Thank you
Very good sir g👍🙏🙏🙏🙏🇮🇳🇮🇳🇮🇳🇮🇳💖💖💖💖
बढ़िया जानकारी
Sir ji bina itr ke lon mal jaega kya
Bhut achchi jankari hai bro
Loan de k ek toh meharbaani ho rahi hai upar sey unko looterey kehte ho business karna hai toh loan Lena padta hai
Sidha baat hai ki pura cash me car Lena thik hai
Icici bank se stepdown scheme ky h thoda batao
Sir hamne CAR LOAN SBI BANK se liya hai 9.8 ROI par kya sahi hai.
1 hi din mai hamko Loan mil gai sir
Bohot achii baat batai hai aap ne