I won't go with any of the financer scheme shown in video, even though Axis bank quotation looks attractive, if you calculate the actual interest rate of loan it comes to be around 30% per annum. So kick their butt out.
Just went to buy bike. Total cost of bike is 1,57,867₹. Then I checked TVS credit finance and it's interest rate is 11% . Interest is almost 32k for 2 year. I am really disappointed there is no option to pay your emi in 6months
If possible you can directly swipe credit card and after that convert the amount to 6/9/12 emi with processing fees around 1k to 3 k then interest varies from 14 to 21 % and emi from 14k to 19 k … etc no documentation no that sales person bargaining etc… Also there r many dealers offering no charges for credit card transactions
@@Aiimsdelhi75 Bhai agar mene scooter liya hai emi pe aur me chala raha hu paisa de raha hu per month magar mujhe dusri gaadi chahiye aur mujhe iska emi nahi bharna toh kya honga bhai bank waale le lenge scooter aur humko paisa dene ki jarurat bhi nahi kya
Bhai agar mene scooter liya hai emi pe aur me chala raha hu paisa de raha hu per month magar mujhe dusri gaadi chahiye aur mujhe iska emi nahi bharna toh kya honga bhai bank waale le lenge scooter aur humko paisa dene ki jarurat bhi nahi kya
Even the rate of interest can be lowered for the same bank . And along with th his do visit different showrooms , the basic cost of the bike can also be reduced. Also if the bike is new thn showrooms offer bonus and discounts. Also showrooms offer exchange over older bikes and if the bike is if the same brand thn u further get a very good exchange amt . I got 40000 ra for my Honda sp125 which i used for 3 years /115000 km. And tvs offered me 18000 for the same bike. It all depends on the bargaining skills . If u look desperate they will take you for a ride .
I think sir you forgot one very important thing🤔if bank A is giving lower emi option than bank B that probably doesn't mean that bank A is charging less. In your case HDB bank was charging more emi for same 80k down payment than axis Bank with same tenure in that case you said you would have to pay only 11k more than the original amount but sir you forgot processing fee here. Axis would charge less emi but charge lot of processing fee 2-5% in that case diff would be more or less same as HDB 😅
Bhai maine ek gadi select ki showroom me mere hisab se finace ki calculation bilkul sahi hai pr jo bhi finance wala dekha wo mere se 7 - 10k extra le rha hai
2 wheeler kbhi bhi loan pr na lein , bank waale bhot jyada interest lgaate h Agar kuch amount kmm h to kisi known se loan lele Bank loan aapko mehnga pdega hmesha
Agar main one year k liye EMI leta hu aur after 3 months EMI dene k baad agar main pura payment clear karna chahu in one day, no more EMI, is it possible?
The same happened with me.. 2 years back I went to the Hero Showroom here in Mumbai to book Xpulse 200 BS6. I have prepared that I want to buy the bike on emi, so the hero Showroom guy suggested to me HDFC finance option, so he came and suggested me one of his schemes, but the scheme which he has suggested to me is I want to pay interest of Rs 40000 extra to the bank, so my Xpulse price was 1.30 lac onroad, but I want to pay 40k more for EMI which the bike is coasting 1.70 lac, so I immediately told him that what bullshit is this. I immediately booked the Xpulse without any loan, so banks are making fools for those who don't know about EMI schemes and procedures etc , so banks are making more profits than manufacturers
Very good and informative video. Points to be noted 1. Generally Bank charges less interest as compared to the NBFC(xyz financial services) 2. I would recommend buyer to buy the vehicle at full price at little delay. Because after 1 year the value be 20 percent less than buyed value
@@acebiosciences108 Sia kahuchi pura tanka daiki bike kini diya jadi paisa nahi ta wait kariki save kara karana bike ra market value 20 percent Kami jiba 1 barsa pare but ame emi re nele almost 20 percent extra tanka daba
This happened with me. Out of excitement and emergency I didn't thought much and the indusind bank person took advantage. Now I am paying too high interest just because I didn't compare.
Sir..phir v rate of interest kitna bola tha aapko ?? Kal mera baatchit ek axis wale k sath ho raha tha usne 9% rate k hisab se 3 yrs k liye 1,75,000 pr emi 6200+ (36 months) ka kuch bola..jab maine calculation kiya toh woh emi kuch 5500 + k as paas aaya.. maine jab usko ye difference k bare me pu6a toh usne falana bank charges , paperwork, dealer charge, k bare mein bolne laga aur bola rate of interest 17% haii 😂
Mai TVS ke showroom pe Jupiter scooty lene gya tha, 2-3 financer the uske paas sabne 16-21% ka interest rate bataya plus 3-4 thousand processing fee, finally maine CRED app se 13-14% pe personal loan uthaya with minimal processing fee (400-500 rupees) aur payment kar diya, Cred app pe ye bhi facility hai hai ke agar aap time se pahle hi sara paisa lautana chahte ho to koi extra charges nhi lagenge
HDFC employees tried to use heavy terms to deceive me (such as, we provide interest on floating, reducing basis etc. others have hidden components in interest rates, etc.), but I asked the exact EMI for that down payment. It was much higher than that of any other bank. This is how I understood their real intention, and did not take any loans from HDFC from that day.
There is a scam running around the two wheeler or four wheeler dealers or sub dealers. Some representatives of finance companies are looting people's money by depositing less Down Payment than collected. Please Beawar.
One thing, all the above bankers are pvt ltd banks, who calculate interested in flat ROI basis, if you go for a govt Bank, the ROI is bare minimum and emi will be accordingly. Yes they will only finance to persons with acceptable Credit rating and income sources.
But govt Bank take 1/2 months to approve your loan or otherwise give cut money to banker he will do the job fast.......that's y people do finance in bike showroom
Yes and also these private bank agents are there bcz they also know no will come to them so they go to customer unlike govt bank.. those who knw they will go to bank and take loan
Honda activa 125 on road price 108000 Downpayment_ 59200 And financial company LT finance limited planet show loan amount 61780 Aisa kyoon sir koi gadbadi hei kya pls reply
Mujhe bhi 90000 ki gadi ko finance kar ke 123000 bataya, difference jyda rahne par maine cash par lene ka baat kiya toh unlogo ka muh ban gaya...itna difference dekh fir cash par liya maine
As Per HDB FINANCE calculation On Down Payments of Rs.79360/- the Loan Amount will be Rs.47251/- , on the Loan Amount of Rs.47251/- the EMI is Rs. 6082/- for 12 Months, but if we calculate the Rate of Interest on EMI calculator the ROI is 89% Per Annum 😂😂😂😂😂
Thank you so so so so much sir ❤️ for this video i was also going for ntroq race addition and i have to pay extra 45 thousand on my emi 😢 they were giving me finance of otto capital
Same bro. Without having any knowledge I have taken honda dio loan but after knowing it i have to pay more than 30k on EMI. Taking vehicle loan is not a good idea.
No. Still hdb doesn't charge this much. That guy was doing some fraud. I can give 100 percent guarantee. Being an employee of Hdb, I can clearly claim this.
Bhai mara signature deferent bata raha hai mai 3month loan Id number se pay Kiya magar abhi mujhe automatically account se deducted hona mangta kya kare
इतना कॉम्प्लिकेटिव वीडियो बनाने का क्या मतलब है सिंपल सी बात है तुम्हारे पास जितना पैसा हो लेकर जाओ और सभी बैंक वाले से पूछो इंटरेस्ट रेट कितना है जैसे किसी का है 9% 10% 11% है तो 9% वाले से finance करवा लो जिसका सबसे कम रहेगा उससे गाड़ी फाइनेंस करवा लो और महीने का कितना पैसा दे सकते हो उसी के हिसाब से 12 या 18 या 24 etc महिना का लोन करवा लो
The reason because finance company is take more risk to give people loan even if you are not eligible in any bank they can give you loan but for that risk they take hefty interest on loan amount
Simplest way to ask to these agents is, what is the interest rate, minimum the interest rate and minimum the tenure you will end up paying minimum interest.
It's simple yaar.. NBFC will always give you more interest rate than banks. So avoid taking any loans from NBFC like HDB, Tata etc. Also compare banks offer on your loan amount. You'll considerably save 5k-10k on total amount paid after down😅 payment. Also compare with all available showroom quotations. Coz ex showroom is same for all but not on road price.😅
Mera bi Tata capital se Suzuki Gixxer 0 downpayement me liya and monthly I pay 5,331 ,tenure for 3 years...1.54 lakh onroad price and I have to pay interest of 37,916
down payment ke bad apko loan amount kitna jua....? mai ek activa liya 96500 total price that 15k downpayment ke bad loan amount ko 82k show karna tha par 88k show kar raha hai.......puch tho last mai bolre 5,5k processing fee apke satt bhi isa hua hai?
Bhai agar mene scooter liya hai emi pe aur me chala raha hu paisa de raha hu per month magar mujhe dusri gaadi chahiye aur mujhe iska emi nahi bharna toh kya honga bhai bank waale le lenge scooter aur humko paisa dene ki jarurat bhi nahi kya
Vai HDB Wale bande se galti ho gai h sayad kyuki wo 18 month k liye jyada paise loan de k 21789 rs ka interest lega and 12 month k liye km paise de k 25733 rs nhi lega
Thanks for making this video. This is going to help millions of people who are not aware of this things. I had the same experience but I was aware of these things that helped me to save my money in EMIs. I got into many showrooms and checked multiple offers from multiple banks and finally I brought my bike in 12 months EMI with only 4% of interest having difference amount of 14000 only with L&T Finance whereas other banks were offering 10-12% of interest like IDFC, Axis, Tata Capital, HDFC and ICICI bank. I have saved more than 20000 by not buying there offers.
@@007_Sun_Tzu You get it man. There is nothing to lie I'm not getting paid to kie for this. If you have an excellent civil score and has been using cc, loans since long with excellent payment history without anu defaulters you will get it. Again that depends on case to case. My loan partner was L&T finance and if I don't round off my roi is 3.99% for 12 months tenure.
Bhai meri splendor plus bike 86000 rs ki thi or me 32000 down payment kar diya bache 54000 unhone 60561 ka lone kar diya or unhe 54000 ka hi karna tha 2000 file charge maan li fir bhi 4500 kha rhe ha saale
Need to know, other than topic that, while changing bike's chain sprocket set, do i need to pay extra service charge other than regular service charge? Kindly reply
You are truly a Legend for Motor explanation 👏, Magar TVS COMPANY waleh apkou talash karrahe hai🤣🤣for reveling thier Fanda🤣🤣🤣 Jokes apart, You are Great 👍 Keep it up I'm big fan of your videos
Sir Dealership walo ki setting hoti h Bank walo k sath isliye unhe wo apne yahan bithate h aur apna dealer charge lagwate h PF k naam per aur apko loan mehanga padta h, warna aap direct apne Bank se loan lenge to wahan apko proper sahi scheme milegi, To isliye kabhi koi loan Lena ho to direct apne Bank me Jana chahiye
Govt bank calculation dekhiye 126611 pe 20%margin rahega to apko down payment 25322 hoga. loan hoga 101289 ka interest rate 12.4% emi hoga 8993 12 mahino k liye, 6178 for 18 months. But you have to go to bank. Why don't u come to govt bank??
Thank you thank you so much sir ji aap ke video dekh kar mere ko bahot kuchh sikhne ko mila mai bhi fasne wala tha warna Bajaj finance ke chakar me bahot jada emai bol raha tha
I think the HDFC bank calculation shown here is wrong when downpayment is ~80000 we have to pay extra 25000 in 12 months when downpayment is ~41000 we have to pay extra 21000 in 18 months does it make sense ?? paying more in less 12 months with less principal since downpayment is 80000 here payniig less in more 18 month with more principal where downpayment is 40000 Kindly check either you were shown wrong data or you are showing wrong calc. in video
Hi Sir. Thankyou for this information. Request, Please make a video on, How EMI is calculated taking reference from your this notes provided by your agent. Because the agent's calculation is different from mine. I cannot understand their calculation. Pls help Sir. Thankyou 🙏.
Yeah I also would like to know what the actually include in the EMI. Because if put it in EMI calculator it shows way less that what they tell us. I think they included other fees as well in the EMI amount.
Bike Giveaway Video Link : ruclips.net/video/ozrjtA2HOH0/видео.html
Sir apne to mere ankhon ko khol di very nice video ba ba
गलत जानकारी दिन है आपने emi जो होता है आपका downpayment क़ो छोड़कर बाकि क जो पैसा आपको देना होगा उसपे कितना ब्याज ले रहा है अलग अलग फाइनेंस कंपनी
@@nillamaztips689 ŕŕŕr4rŕ44r4r⁴4ŕ4ŕ4rŕŕ⁴rr4ŕŕ
Mein Jald car lene wala hun thank you for information ❤
❤ From Angul, Odisha
भाई, इतनी मेहनत करने और इतनी अच्छी गहराई में जानकारी देने के लिए धन्यवाद 🙏👍💙🧡
I won't go with any of the financer scheme shown in video, even though Axis bank quotation looks attractive, if you calculate the actual interest rate of loan it comes to be around 30% per annum. So kick their butt out.
Seriously it's literally 28% ROI 😅
Just went to buy bike. Total cost of bike is 1,57,867₹. Then I checked TVS credit finance and it's interest rate is 11% . Interest is almost 32k for 2 year. I am really disappointed there is no option to pay your emi in 6months
Which bikr
If possible you can directly swipe credit card and after that convert the amount to 6/9/12 emi with processing fees around 1k to 3 k then interest varies from 14 to 21 % and emi from 14k to 19 k … etc no documentation no that sales person bargaining etc…
Also there r many dealers offering no charges for credit card transactions
@@Aiimsdelhi75 Bhai agar mene scooter liya hai emi pe aur me chala raha hu paisa de raha hu per month magar mujhe dusri gaadi chahiye aur mujhe iska emi nahi bharna toh kya honga bhai bank waale le lenge scooter aur humko paisa dene ki jarurat bhi nahi kya
Bhai agar mene scooter liya hai emi pe aur me chala raha hu paisa de raha hu per month magar mujhe dusri gaadi chahiye aur mujhe iska emi nahi bharna toh kya honga bhai bank waale le lenge scooter aur humko paisa dene ki jarurat bhi nahi kya
@@MusicWorld-oq7fj you can exchange the old one. Bank wake nahi lenge wapas
Most Gracious, Most Merciful and Almighty God's Grace, Blessings and Peace be Upon YOU...!!!
Even the rate of interest can be lowered for the same bank . And along with th his do visit different showrooms , the basic cost of the bike can also be reduced. Also if the bike is new thn showrooms offer bonus and discounts. Also showrooms offer exchange over older bikes and if the bike is if the same brand thn u further get a very good exchange amt . I got 40000 ra for my Honda sp125 which i used for 3 years /115000 km. And tvs offered me 18000 for the same bike. It all depends on the bargaining skills . If u look desperate they will take you for a ride .
I think sir you forgot one very important thing🤔if bank A is giving lower emi option than bank B that probably doesn't mean that bank A is charging less. In your case HDB bank was charging more emi for same 80k down payment than axis Bank with same tenure in that case you said you would have to pay only 11k more than the original amount but sir you forgot processing fee here. Axis would charge less emi but charge lot of processing fee 2-5% in that case diff would be more or less same as HDB 😅
Always be aware from Bajaj finance company
Is there any difference between finance and loan
Finance have higher interest rates, banks have lower interest rates
Bhai maine ek gadi select ki showroom me mere hisab se finace ki calculation bilkul sahi hai pr jo bhi finance wala dekha wo mere se 7 - 10k extra le rha hai
2 wheeler kbhi bhi loan pr na lein , bank waale bhot jyada interest lgaate h
Agar kuch amount kmm h to kisi known se loan lele
Bank loan aapko mehnga pdega hmesha
N 160 ka video upload karo na Ranchi Wale sorum se or sat hi EMI wala v video plizz 🥺🙏
Kariya na bhaiya
Ya Really HDB charge much. Do not take any loan from HDB it will take more money,which you never expected... I Really hate HDB bank.
Agar main one year k liye EMI leta hu aur after 3 months EMI dene k baad agar main pura payment clear karna chahu in one day, no more EMI, is it possible?
Bank waale foreclose charge lenge Jo Ki interest ke barabar hoga toh aap wahi monthly emi dene par majboor ho jayenge
U right bro se problem😢@@ishaquenawab7080
@@ishaquenawab7080foreclosure amount bhot jara ho jata hai
Bank wale bolenge aapko interest me discount de denge 20-25 %
Kuch bank foreclosure charge ni lete… schemes aati rehti h… like icici bank se maine liya tha or close kr diya tha without any foreclosure charge
One thing is clear..Bank profit is more than the manufacturer
Super kya baath hy sirrr
Because bank is taking risk while manufacturer/dealers are getting full amount anyway...
@@utkarshkumar3765 ghanta RISK... 🤣🤣🤣🤣vijay malya ki jay Ho...
@@syadkareem9122 still loss to bank ka hi h...
@@utkarshkumar3765 bhaijaan..Loss me Hye Tho band kardoo.. Chal kyse rahe hen..
Splender plus ex showroom ~73000
On rood 89500₹
Down paymont26500
financial money 63000
Jabki showroom vale 73000+ pr intrest le rhe h?
Same condition with me from IDFC
Forget emi, ask what is the rate of interest and confirm whether interest is fixed or floating. Because it is easy to understand who is charging more.
Currect bro
👍
Correct bro
Explain with example Sir
Bike loan mostly FLAT interest pe hi milta hai
सबकी मिली भगत रहती है ग्राहकों को लूटने की आपने बहुत ही ज्ञानवर्धक वीडियो बनाया है 👌👌👌👌👌👌👌
आजकल सभी फायनेंसर और एक्जीक्यूटिव मिले रहते हैं और घुमाफिरा कर एक जैसा ही प्लान पर ले आते हैं
पानी के छक्कर मे लडाई हो गई 😡🤜 | #minivlog #shortvlog #dailyvlog #youtubeshorts #shortvideo #vlog
Milibhagat rehti b hai or lut te b hai 😂😅
Agar Jada Gyan Diya to Aisa Nehi hota hai bolenge ..ye hamare company or bank k taraf se hi hai 😂😅😂
Hum to full payment me hi lena pasand karte h bhale hi paisa ni hone par5-6 mahina wait karna padhe qki...12-18 mahine me 15k-20k q intrest de😉😉
Vehicle mehnga ho jayega tab tak utna hi
Sahi kaha bhai finance oe kabhi gaadi na lo
2nd hand ले लूँगा पर किस्तों पर कभी न लू मेरा भी अनुभव ये ही रहा है
Best thought process😊
😂😂😂😂😂
The same happened with me.. 2 years back I went to the Hero Showroom here in Mumbai to book Xpulse 200 BS6. I have prepared that I want to buy the bike on emi, so the hero Showroom guy suggested to me HDFC finance option, so he came and suggested me one of his schemes, but the scheme which he has suggested to me is I want to pay interest of Rs 40000 extra to the bank, so my Xpulse price was 1.30 lac onroad, but I want to pay 40k more for EMI which the bike is coasting 1.70 lac, so I immediately told him that what bullshit is this. I immediately booked the Xpulse without any loan, so banks are making fools for those who don't know about EMI schemes and procedures etc , so banks are making more profits than manufacturers
You had so you paid
Loan is big trap
Very good and informative video. Points to be noted
1. Generally Bank charges less interest as compared to the NBFC(xyz financial services)
2. I would recommend buyer to buy the vehicle at full price at little delay. Because after 1 year the value be 20 percent less than buyed value
Vai tikie bujhei dia bhal se
I had a question, can i register a bike in my name while my father is going to finance it though a loan?
@@David-sn6xd yes possible
@@acebiosciences108 Sia kahuchi pura tanka daiki bike kini diya jadi paisa nahi ta wait kariki save kara karana bike ra market value 20 percent Kami jiba 1 barsa pare but ame emi re nele almost 20 percent extra tanka daba
bro i have a little confusion like current bike ka price 1saal baad kaambho jayeg
This happened with me. Out of excitement and emergency I didn't thought much and the indusind bank person took advantage. Now I am paying too high interest just because I didn't compare.
How much interest rate bro
@@humanguu912115.3%
Same bro
What is the ROI you are paying?
Do U even know the fullform of ROI ?? @@crazylove2426
maine direct persanal loan liya and activa cash liya showroom se , wo bhi kam rate of interst pe
Sir..phir v rate of interest kitna bola tha aapko ??
Kal mera baatchit ek axis wale k sath ho raha tha usne 9% rate k hisab se 3 yrs k liye 1,75,000 pr emi 6200+ (36 months) ka kuch bola..jab maine calculation kiya toh woh emi kuch 5500 + k as paas aaya.. maine jab usko ye difference k bare me pu6a toh usne falana bank charges , paperwork, dealer charge, k bare mein bolne laga aur bola rate of interest 17% haii 😂
Mai TVS ke showroom pe Jupiter scooty lene gya tha, 2-3 financer the uske paas sabne 16-21% ka interest rate bataya plus 3-4 thousand processing fee, finally maine CRED app se 13-14% pe personal loan uthaya with minimal processing fee (400-500 rupees) aur payment kar diya, Cred app pe ye bhi facility hai hai ke agar aap time se pahle hi sara paisa lautana chahte ho to koi extra charges nhi lagenge
Batane ke liye thankyou
Dhanyawad Bhai ❤
Thank you, helpful info
Helo bhi app Konsa app ka bat kar Rahay ho
HDFC employees tried to use heavy terms to deceive me (such as, we provide interest on floating, reducing basis etc. others have hidden components in interest rates, etc.), but I asked the exact EMI for that down payment. It was much higher than that of any other bank. This is how I understood their real intention, and did not take any loans from HDFC from that day.
TQ so much bro, Me vi bike emi pe lene wala tha, par mujhe Loan ke bare me itana pata nehi tha, Abi pura samajh me aa gaya, TQ bro, Allah Bless you
Sir your efforts are really appreciated 🙏, thanks for making such informative and descriptive and comparative video
I'm not agree with her different loan amount ,it's huge difference. Brother....
There is a scam running around the two wheeler or four wheeler dealers or sub dealers. Some representatives of finance companies are looting people's money by depositing less Down Payment than collected. Please Beawar.
Can you tell me what is finance amount? Bcz I think I got scammed by them
One thing, all the above bankers are pvt ltd banks, who calculate interested in flat ROI basis, if you go for a govt Bank, the ROI is bare minimum and emi will be accordingly. Yes they will only finance to persons with acceptable Credit rating and income sources.
But govt Bank take 1/2 months to approve your loan or otherwise give cut money to banker he will do the job fast.......that's y people do finance in bike showroom
Yes and also these private bank agents are there bcz they also know no will come to them so they go to customer unlike govt bank.. those who knw they will go to bank and take loan
Honda activa 125 on road price 108000
Downpayment_ 59200
And financial company LT finance limited planet show loan amount 61780
Aisa kyoon sir koi gadbadi hei kya pls reply
...thats why !! Paisa hai to cash gaadi lo, festive season mei lo aur best se best deal lo. Buy in cash and sleep peacefully.
Mujhe bhi 90000 ki gadi ko finance kar ke 123000 bataya, difference jyda rahne par maine cash par lene ka baat kiya toh unlogo ka muh ban gaya...itna difference dekh fir cash par liya maine
Many hidden charges they never tell us like processing charges,file charges etc.
As Per HDB FINANCE calculation On Down Payments of Rs.79360/- the Loan Amount will be Rs.47251/- , on the Loan Amount of Rs.47251/- the EMI is Rs. 6082/- for 12 Months, but if we calculate the Rate of Interest on EMI calculator the ROI is 89% Per Annum 😂😂😂😂😂
This is how poeple of India are being looted
bc 😂😂😂😂 89 ?
Wrong information as increasing tenure and reduced interest is not at all possible
Misleading information
Interest rate is the key. That's it. Why making things complex.
Just ask the Interest rate. 🙏🙏
not really, processing fee is also a component to factor in.
Thank you so so so so much sir ❤️ for this video i was also going for ntroq race addition and i have to pay extra 45 thousand on my emi 😢 they were giving me finance of otto capital
go with bank
Same bro. Without having any knowledge I have taken honda dio loan but after knowing it i have to pay more than 30k on EMI. Taking vehicle loan is not a good idea.
HDB is NBFC not a bank and Axis is a bank thats why there is a difference in the EMI structure. Intrest rate of Bank is less than the finance company.
The point is not nbfc or bank
The point is buyer should aware
Mera 39000 ka loan tha total 42518 rupees bhar di har mahine or Paisa bharne ka MSG aa raha hai batao kya karun samajh nhi aa raha
No. Still hdb doesn't charge this much. That guy was doing some fraud. I can give 100 percent guarantee. Being an employee of Hdb, I can clearly claim this.
Bhai mara signature deferent bata raha hai mai 3month loan Id number se pay Kiya magar abhi mujhe automatically account se deducted hona mangta kya kare
Bank se contact Karo aap
@@MECHANICALTECHHINDI all ready bhot bar kar chuka hu mai contact par kam nhi hora hai
इतना कॉम्प्लिकेटिव वीडियो बनाने का क्या मतलब है सिंपल सी बात है तुम्हारे पास जितना पैसा हो लेकर जाओ और सभी बैंक वाले से पूछो इंटरेस्ट रेट कितना है जैसे किसी का है 9% 10% 11% है तो 9% वाले से finance करवा लो जिसका सबसे कम रहेगा उससे गाड़ी फाइनेंस करवा लो और महीने का कितना पैसा दे सकते हो उसी के हिसाब से 12 या 18 या 24 etc महिना का लोन करवा लो
The reason because finance company is take more risk to give people loan even if you are not eligible in any bank they can give you loan but for that risk they take hefty interest on loan amount
One of the most informative video. Topic is very helpful for everyone. Thank you..
How come the interest for 18 months in HDB Financial services is less then the interest paid for 12 months? Shouldn't it be higher?
galat scheme dedi nya hoga
सब बैंक का अलग अलग ब्याज है तभी तो कम ज्यादा आ रहा है
Simplest way to ask to these agents is, what is the interest rate, minimum the interest rate and minimum the tenure you will end up paying minimum interest.
Par EMI bhut ban jaati hai
@@PANKAJKumar-n6s3owoh to hoga hi bro.
Agar interest kam bharna hai to loan duration bhi kam rahega plus emi jyada dena hoga
Right 👍
Bro interest rate kam bhi raha to, other add up charges me wo 15 se 20 hazar add karte hai
@@PANKAJKumar-n6s3o bro down payment bhi to jyada karna hota hai
It's simple yaar.. NBFC will always give you more interest rate than banks. So avoid taking any loans from NBFC like HDB, Tata etc. Also compare banks offer on your loan amount. You'll considerably save 5k-10k on total amount paid after down😅 payment. Also compare with all available showroom quotations. Coz ex showroom is same for all but not on road price.😅
Mera bi Tata capital se Suzuki Gixxer 0 downpayement me liya and monthly I pay 5,331 ,tenure for 3 years...1.54 lakh onroad price and I have to pay interest of 37,916
itne interest me to bhai ek 2nd hand bike aa jayegi 😂
@@ujjwaltyagi8849 ha yar...kya karu it's my first walk to showroom so I had no knowledge about these?...😣 Ab pachtava ho raha he
Samay par paise nhi hota na Bhai
@@bishikeshanseth1904 yes bhai, lower class logon ka kismat aisa hi hota he😌
IDBI Bank 12 months Interest(25700) is more that 18 months Interest(21800) 😇😇
बहुत ही अच्छी जानकारी दी आपने। ♥️👍♥️
In the year 2019 that's also happened with me L&T finance i was paid 20k extra. I didn't try different
Most interesting thing is
HDB Bank me 80,000 down payment karne par bhi rate difference 25k hai...
Aur 40,000 karne par 21k hai..
down payment ke bad apko loan amount kitna jua....? mai ek activa liya 96500 total price that 15k downpayment ke bad loan amount ko 82k show karna tha par 88k show kar raha hai.......puch tho last mai bolre 5,5k processing fee apke satt bhi isa hua hai?
@@saisiddeshmamidoju1728 kab liye thay aap !???? Or kya kya document liya tha aap ka mein iss liye puch rha hu q ki mujhe v ek Dio dx scooty Leni hai
@@saisiddeshmamidoju1728 mere saat hua hai ye 90k ka loans hona tha lekin documents pr 98k show ho rha tha hdfc wale bole processing fees hai
Mere sath bhi
Bhai agar mene scooter liya hai emi pe aur me chala raha hu paisa de raha hu per month magar mujhe dusri gaadi chahiye aur mujhe iska emi nahi bharna toh kya honga bhai bank waale le lenge scooter aur humko paisa dene ki jarurat bhi nahi kya
Intelligent Noticed
HDB Bank 12 month and DP jada fer bhi 25k
and 18 months DP kaam fer bhi 21k 😂😂.
Calculation Is wrong.
Thank's Bhai bohat aachi janakari diye ho💜💯
Main chiz toh btaya hi nahi sir ki loan amount kitna hai aur tab difference pata chalta and interest rate bhi..
Mene 25k bhare platinq 100 cc li 2618rs ke 24 emi li 15 k interest
Bajaj finance 👍
भाई,
आपने करोडो लॉगो कि दुआ ले ली
धन्यवाद 🌺
i am about to book Nexon on finance... thanks for reminding me of this... i had completely forgotten this point
Itna jyada hota hai kya 80k dene ke baad bhi🙁 minimum down payment pe kitna emi lagta hai jaise 5k down payment pe😅
बहुत अच्छी है और इस तरह की कोई बात नहीं बोलते 🙏🙏🙏👌👌👌
Vai HDB Wale bande se galti ho gai h sayad kyuki wo 18 month k liye jyada paise loan de k 21789 rs ka interest lega and 12 month k liye km paise de k 25733 rs nhi lega
Can I purchase with full payment at the time of delivery.
Yes
@@MECHANICALTECHHINDI kya kya process rehega ....jaldi bataoo..me kal ya porso lunga
@@manojnaik8582 aadhaar card, pan card, registered house rental agreement with electricity bill on owner's name if other state person.
Thanks for making this video. This is going to help millions of people who are not aware of this things. I had the same experience but I was aware of these things that helped me to save my money in EMIs. I got into many showrooms and checked multiple offers from multiple banks and finally I brought my bike in 12 months EMI with only 4% of interest having difference amount of 14000 only with L&T Finance whereas other banks were offering 10-12% of interest like IDFC, Axis, Tata Capital, HDFC and ICICI bank. I have saved more than 20000 by not buying there offers.
Good 👍
4% ??? Ye kaunsa rate of interest h bhai ...koi nahi dega itne rate pe ..don't lie...min rate is 6-7% aur abhi to 9% chalra h
@@007_Sun_Tzu You get it man. There is nothing to lie I'm not getting paid to kie for this. If you have an excellent civil score and has been using cc, loans since long with excellent payment history without anu defaulters you will get it. Again that depends on case to case. My loan partner was L&T finance and if I don't round off my roi is 3.99% for 12 months tenure.
U got ur loan from L & T finance???
@@007_Sun_Tzu jhuth bol k mujhe mya milega bhai... jo mila h whi bola hu na toh sach bolne pe mai paise jitunga or na jhuth bolne pe 😂
Thank you so much for this helpful video...❤️❤️
Sir mai HDB FINANCIAL SERVICES me Financer hu aap ki video achchhi lagi . But ham poori koshish karte hain ki costomers ko achchhi schime de.
very well explained! thanks 👍🙏🙏🙏
Bhai meri splendor plus bike 86000 rs ki thi or me 32000 down payment kar diya bache 54000 unhone 60561 ka lone kar diya or unhe 54000 ka hi karna tha 2000 file charge maan li fir bhi 4500 kha rhe ha saale
Need to know, other than topic that, while changing bike's chain sprocket set, do i need to pay extra service charge other than regular service charge?
Kindly reply
Yesss labour charge
@@sandipkumarsingh4381 thanks bro
Wow!! Diff bank has diff. Interest rate!! Ye to bhai ne nayi khoj kr dali..... waah kya dimag pya hai.....😵😵😵
भाई आपने तो ❤️ जीत लिया....कितना अच्छा समझाया है आपने 👍👌
Wow, sir. This is really very very informative. Thank you so much for sharing this. Keep doing the great work.
That's why I purchase anything in cash😂😂😂
Aapne sahi kaha medical emergency ko chod kar kisi bhi cheej ke liye karj nahi lenaa chahiye bhale hi kuch din baad saamaan kharid lenge
Beautiful video ❤
Knowledge share karne ke liye shukriya Bhai ❤
Aisi hi acchi video's bana kar share karte raho ❤
सर आपने बहुत अच्छी जानकारी दी धन्यवाद
L&T finance wale. 1- 2 mahine bad penalty charge kyu lagate he please sir iske bare me kush bataie
Summary, nothing is free or for sympathy, something must be there and you should dig up and find it out
How can a bank charges this much interest?
As per this video
HDB interest rate is - 52.5%
And Axis Bank internet rate is- above 30 %
How you calculated Interest? Can u Show here?
Hamare desh ke log emotion me aake kuch bhi nhi sochte
Bas gadi Leni hai to leni hai
Thank You so much for this video.
You are truly a Legend for Motor explanation 👏,
Magar TVS COMPANY waleh apkou talash karrahe hai🤣🤣for reveling thier Fanda🤣🤣🤣
Jokes apart,
You are Great 👍
Keep it up
I'm big fan of your videos
Thanks 😊
Sir Dealership walo ki setting hoti h Bank walo k sath isliye unhe wo apne yahan bithate h aur apna dealer charge lagwate h PF k naam per aur apko loan mehanga padta h, warna aap direct apne Bank se loan lenge to wahan apko proper sahi scheme milegi, To isliye kabhi koi loan Lena ho to direct apne Bank me Jana chahiye
Go for those banks which have low interest rates
Govt bank calculation dekhiye
126611 pe 20%margin rahega to apko down payment 25322 hoga.
loan hoga 101289 ka interest rate 12.4% emi hoga 8993 12 mahino k liye, 6178 for 18 months.
But you have to go to bank. Why don't u come to govt bank??
Many many thanks sir for ur valuable information 👍🙏
Bhai fast time finance lene ke liye per Mera civil
No Credit History
Helpful video for millions thank you sir 🙏❤️
Thank you thank you so much sir ji aap ke video dekh kar mere ko bahot kuchh sikhne ko mila mai bhi fasne wala tha warna Bajaj finance ke chakar me bahot jada emai bol raha tha
The difference is because the rate of interest from different bank's
उघार की मोटर साइकिल से तो अच्छा नगद की सायकिल लुगां
Thanks a lot Sir☺️💙 You helped me For my Future Scooter Ntorq 💯
Bhai agar 80 hajar hi bhar ke lena ho to full payment me lelena chahi ye lon aur emi ka koi matlab nahi hota hai
Thanks sir for your best topic discussion 🙏🙏🙏🙏👍🏻👍🏻🎉🎉🎉🎉
I think the HDFC bank calculation shown here is wrong
when downpayment is ~80000 we have to pay extra 25000 in 12 months
when downpayment is ~41000 we have to pay extra 21000 in 18 months
does it make sense ??
paying more in less 12 months with less principal since downpayment is 80000 here
payniig less in more 18 month with more principal where downpayment is 40000
Kindly check either you were shown wrong data or you are showing wrong calc. in video
Thank You Bro Very Useful Video
SI = PNR÷ 100 pata hota ye sabaki jarurat nahi hoti samaje 😏
Hi Sir. Thankyou for this information. Request, Please make a video on, How EMI is calculated taking reference from your this notes provided by your agent. Because the agent's calculation is different from mine. I cannot understand their calculation. Pls help Sir. Thankyou 🙏.
Yeah I also would like to know what the actually include in the EMI. Because if put it in EMI calculator it shows way less that what they tell us. I think they included other fees as well in the EMI amount.
@@PDA8220 take quote and say you'll contact them later, go home check online
then ask them why so much diff in EMI ,
EMI ₹2000 per month konsa bike nilega?? 🔴
भाई आपने एकदम सही जानकारी दी पैसा और समय बचाने की ये अलग अलग बँकवाले जनता को लुटते है
इस वीडियो में आप कही नही बोले की एक्सिक्स बैंक Ltd के अलावा सभी ने इंटरेस्ट रेट heavy रखा है।
Very well explained thank you so much sir.