INTEREST FREE CAR LOAN TRICK WITH SWP| BUY BEST CAR |value of car you can afford as per salary
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- Опубліковано 11 лип 2024
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INTEREST FREE CAR LOAN TRICK WITH SWP| BUY BEST CAR |value of car you can afford as per salary
Buying a car is, without doubt, a big investment , it’s quite likely the second most expensive thing that we’ll buy after a house. But more than that, vehicle purchases are also frequently motivated by emotional factors - I’m sure you had a dream car that stays rent-free at the back of your mind! Price of the car should be equivalent to your gross annual salary. Ultimately, make sure to be honest with yourself because car purchases are medium-term commitments that can significantly impact your financial wellbeing for up to seven years (depending on the tenure of your loan).
00:00 Introduction
04:33 What is 20/4/10 Rule
06:04 What is 10%/5/20% Rule
13:06 End
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• Personal Finance
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Before covid I bought alto k10 vxi model at 450000 with 100% financing from bank..I had 1 lakh rupee at that time but I didnot give any downpayment..I invested that amount in pharma company during covid and sold in 2022 with 8 lakh in hands..car free ho geya..
Wow super
@@raghavbansal3871 Thank you..
What is the name of this pharma company?
Umm, i guess our well known "Laxmi cheat fund" am'i right??
@@souravmridha9719 its laurus lab.If you donot know stockmarket then you should satisfy yourself by taking cheat fund name..
Same mere pass 6 lakh hai 15 lakh ki car Li 90% loan aur unh 6 lakh se he emi jari hai 😂😂
This is baseless comparison. If the second guy is not buying a car he will be using some other transport facility and that won't come for free. Office cab facility is limited to official use. For personal usage other means of transport will be required. If u are taking an example of a corporate employee with office cab facility which means he is definitely at some mid level role. Earning at least 12lpa + in that case he won't be using public transport for personal use. He would prefer a cab/uber. His personal trips would cost something please include those in ur calculations.
Plus the comfort of having ur own car is incomparable to a cab/public transport. U might keep ur car clean but the cab might be old and smelling bad, poor quality interiors since it is used by 100s of people daily. The joy of listening to music at your preferred volume cannot be experienced in a cab. Have u ever owned a car that u are even making this comparison. Own car even a small one is anyday better than any public transport. Everything cannot be calculated in money terms bro
Anyways keep making such videos and discourage people to own a car. Then only we car owners will continue driving peacefully on whatever roads are left for us. We existing car owners are driving at the cost of other people (who can afford a car) not buying cars😂
agree
Very well said
Absolute scrap ,30lpa person can afford ~9lakh car (which is worst possible choice in safety standards)
Bnro please explain the logic of the rule. Then only we will be motivated to follow it.
With 20L package you offord only Alto topend model😅
😷
Technically
😂😂😂
Very Informative...thank you
Bhai kis calculation pe 60k 5 yrs me 9.5%interest pe 12Lakh ho jatr hai??
Not possible
Every thing cannot be measured in term of money, what about the experience of owning a car, the comfort you get by having your own car you are flexible you can travel where ever you want. I think buying car on emi is not a bad thing if you are calculating your income and make sure you can pay emi on time.
Should I take education loan for my son's college or sell a plot which is showing appreciation of 15% per annum?
Please answer.
Great question sir
in my opinion don't take education loan and don't sell your land too.. today what you spend on education will not give a good pay job.. so try not to fall for this trap.. becoz you and your kid will be under pressure to repay the loan..try joining Infosys if possible they sponsor the education but you have to work for certain years in the company.. which would be a win win position for you.. kid earns and complete higher education with out loan.. you save the land bought I hard earned money
@@akshithhegde3985 useless advice.
Sir I purchased a car of 14 L and made 8 L down payment and 6L loan at 8.9% for 3 years. And made an FD with the same bank for 3 years amount to 8 L. Sir will this option be good .
Bekar decision h bhai isse acha cash pr gaddi utha lete zadda fayda hota
Practically socho FD ke baad bhi tumko 1-2% interest dena pad rha h aur tumhare hath me paisa bhi nhi h kuch emergency hui cash ki need hui fir ghumte reh jaoge paiso ke liye FD tutvaoge aur lose khaoge
Do hi option best h yaa to cash gaddi lelo yaa fir tumhare pass total 16L hi cash h to bakki 8L savings account me rakho
Aur ye chutiye log kabhi nhi btayege bhale hi 5 saal baad tumhare 14L wali gaddi 8L ki reh jayegi lekin agr 5 saal baad tum same gaddi lene jaoge tab tumko vo kam se kam 16-17L ki padegi btao fir kya kroge
@@anshumanbansal7300 bhai aapko jaankari Leni chahiye. Reducing loan hota h ye iska 3 saal m total 88000 interest Jayega. Aur FD ka total 3 saal ka compound 1.30L interest ka aa jayega bansal ji. Baniyo par doubt mat karo sarkar.
@@raghavbansal3871 bhai tumhare baniye hone pr sach me doubt ho rha h loan tumne 6L ka lia h aur FD me 8L dale h, of course FD me interest amount zadda milegi ek bar 6L ki FD ke according calculate krke dekho fir bolna
@@raghavbansal3871 bhai mjhe to sach me tumhare baniye hone pr shak ho gya h tumne 6L ka loan lia aur 8L ki FD kri, of course tumhara interested amount FD ka hi zadda ayega ek bar dono values ko same lo fir calculate krne btana kaha fayda hua aur kaha lose
Koi fix income na ho to kaise kya kare, construction work hai is year me 2 makan bana kar sale kiye aur last year kuch bhi nhi kiye to kaise kare
Kitna paisa kamaya
Sir aap ko SWP karke 1 lack ka profit hoga, but tab tak 10 lack ki Car ki Price bhi at least 1 lack se increase ho chuki hogi.
Agar monthly income 28000 to wo kaise kya kre
yeh calculate already ki mein ne, loss hi hota hain! loan mat lo kabhi bhi agar fayde mein rehna hain to.
Bhai kam se kam percentage to badhao is mehangai me, 1 Lakh per month salary ko 8 to 10 Lakh ki gaadi purchase karni chahiye. Aap k hisab se home kitne me build karna padhega,,,Thoda soch badlo Sirji...
According to your Video jiski income 60K hai toh vo 2,86,919 Rs ki car hi le 😂😂, Jara aap bata dijiye Financial Planner ji , ki konsi Car ayegi 2,86,919 Rs may 🤐
They should not buy a car at this income level. Car is beyond their reach. Should focus on increasing income and then buy car as per the same rule
@@abhisektripathy92 meri hi income 60,000 thi Lockdown may aur maine bhi SIP aur SWP se Free may hi padi Car vo bhi Ertiga , toh enka plan batane ka thoda ulta hai , ab maine bhi Sirf Mutual Fund may investment karke hi Ye amount ka 5 saal may Car free bhi kar li aur vo SIP + SWP ki value aaj 80 Lakhs + hai
Toto kharid sakte hain 😂
Logical bolo bhai... 1 Lakh 20 hazar monthly kamane bala 6 lakh ki gadi lega ? Kya fayda pesa kamane ka phir... Pesa kamao aur invest karo ye hi life hai kya?
Mat kharid kaun force kar rha hai@@SuperKnights-Gaming
पहिले व्हिडिओ के ऊपर जो पॉपअप चला रहे वो निकालो, चार्ट कूच भी नहीं दिख रहा
Best video for car purchasing
XUV 3X0 dekhe buy karneka plan kiya h😂😂
Ab yeh video dekhte huye khudko lachaar feel Kar raha hoon As I already booked 3x0 and my salary 50k😢
@@himalayanrawsme too in that list bro, booked ax5 L with 70k salary 😢
my monthly Income 30000 i bought alto k10. monthly emi 7k
100000 ko bchakr kya krega bhai 5 saal baad vohi gadi 2 lakh mehngi bikegi fir le lena usko
or apni monthly income bhi bta de
❤
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Thank you sir
Sir aap ne bilkul bacchon ke language mai sum jaya hai is he Thara samjaya karo 👍🏼
Avoid purchasing Suzuki/Hyundai cars due to their low safety ratings in India. Opting for a vehicle with a 5-star safety rating is recommended to minimize the risk of fatal injuries in unexpected accidents.
Nhi honi chahiye, nhi honi chahiye, yeh sab bakchodi h 😂😂😂😂
Bhai tjhe logo ko paise dene chahiye teri video dekhne ke liye
1% bhi koi sense nhi tha puri video me aur please mjhe btao esi konsi gaddi h jo 5saal me 70% depreciate ho rhi h???
Auro industry ka inflation pta h???
Aur jo tumne trick btai businessman log us trick pta nhi kabse use kr rhe h bss vo apna paisa kisi aur company me invest krne ki jaga apne kaam me invest krte h
Bhai bss ek request h channel band krde
Agr tere jese log bhi khudko coach bol rhe h tab to ho gya is desh ka bhala.
Bakwas
Thank you sir