கடைசியாக நீங்கள் கூறியது உண்மைதான் அண்ணா. . இங்கு பல பேர் வரட்டு கௌரவத்திற்கும், வெட்டி பந்தாவுக்கும், பொருளை வாங்கிவிட்டு மாதந்தோறும் பணம் கட்ட சிரமப்படுகிறார்கள். நம் தேவை எது, அத்யாவசிய தேவை எது என புரிந்துகொள்ள வேண்டும்...
இன்றைய எளிமையான மக்கள் அனைவரும் கஷ்டப்படும் ஒரு விஷயம் என்றால் அது இஎம்ஐ தான் அந்த இஎம் ஐ பற்றி மிகவும் எளிமையாக விளக்கம் தந்ததற்கு அண்ணன் அவர்களுக்கு நன்றி
EMI என்பது எதிர் காலத்தில் கிடைக்கும் பொருளை நிகழ் காலத்தில் அனுபவிக்க நினைத்து துன்பத்தை வரவழைத்து கொள்வது."கடன் பட்டார் நெஞ்சம் போல் கலங்கினான் இலங்கை வேந்தன்" என்ற கம்பரின் வரிகளை எல்லோரும் நினைவு கொள்ள வேண்டும்.
பணம் இருந்தால் ஒரு பொருளை தேவை இருந்தால் அதனை வாங்கி பயன்படுத்த வேண்டும் ஆடம்பரத்திற்காகவும் இன்னொருவருக்காகவும் எந்த ஒரு பொருளையும் நாம் தேர்ந்தெடுத்து வாங்கினால் பின் விளைவுகள் மிக பயங்கரமாக இருக்கும் யோசித்து சிந்தித்து செயல்படுவோம் வாழ்வில் தெளிவு பெறுவோம் 😍🙋💯💯🤩
Yes, it's true... In 2019 I bought a bike through finance, on monthly basis i had to pay 4000Rs for 2.5years, after completion of 1 year I decided to pre closure the rest of my terms. For 81000 rupees i had to pay 39000Rs as interest for 2.5 years, after paying 1 year EMI i checked the interest amount I paid is 28000 Which not gives me benifits.
Great advice of not buying things that we don't need. 👏👏 One Nuance to this, if the bank does not charge pre-closure charges then proceed to pay the amount. Loans such as Education loan, Home loan and some types of gold loans won't have pre-closure charges so best to close them.
How can they give salary to their staffs? Only using our interest. Bank cannot survive without internet. So if you use bank's service we bound to pay interest
@@vijayalakshmivasudevan8644 yes it's true, if the money taken as loan is for useful purposes then paying intrest it's ok. but buying non essential things on loan, and then having a headache of loan repayment every month is not ideal.
WRONG INFO IN THIS VIDEO. Namakku oru porul thevai padaama irundhaalum, loan pottu vaangiklaam. Example: 4 years back ennoda cousin RE Interceptor 2.5 lakhs ku vaangunaan. 2018 la insurance premium um kammi, insurance ku GST um kammi. Andha time la avan loan podaama indha bike ah vaanga mudiyadhu. But today 2022 la, adhey bike 3.4 Lakhs, adhigaamana insurance premium, insurance gst adhigam. Avan 10% loan eduthan for 36 months, total ah avan 2,90,412 dhan pay panaan. So extra 40,412 dhan. BUT IDHUVE LOAN EDUKAAMA 2022 VARAIKUM SAVE PANNI VAANGIRUNDHA, EXTRA 1 LAKH SELAVU. AVAN LOAN EDUTHA NAALA rs59,588 profit avanuku.
It all depends on need and calculations.. Sometimes loan is better and sometimes not. For my loan preclosure charges are almost equal to remaining interest, so I'm avoiding closure and investing it somewhere..
@@mahiabi2664 Please don't blabber. Have I talked about pre-closure or its benefits? ALL I AM TALKING ABOUT IS, THE MESSAGE THEY CONVEYED AT THE END OF THE VIDEO. THEIR MESSAGE: DONT APPLY LOAN. BUY THINGS THAT YOU CAN AFFORD WITHOUT LOAN. THIS IS A STUPID AND WRONG MESSAGE.
@@latestever173 HEY DID I SAID ANYTHING ABOUT YOUR COMMENT? ALL I SAID IS LOAN IS PURE CALCULATIONS AND NEED BASIS.. ALSO ADDED HOW PRECLOSURE ALSO LOSS TO LOAN BUYER.. FIRST UNDERSTAND THE CONTEXT AND THEN CRY.. I COULD HAVE AVOIDED THE REPLY BUT CAPS MADE ME TO GIVE IT BACK..
Home loan at pre close charge not applicable ..... Only for personal loans VEHICLE LOAN .. PRE CLOSURE APPLICATION SIMPLE WASTE OF GETTING LOAN FROM BANK ... INTEREST................................................
Not only BIke EMI , Personal loan , Home loan everything works like that, Bankers saying Per Annum 11 to 13% interest but they taking more than they coated based descending order of interest paying method
Yes. Banks will always benefit. But consumer can also benefit by loan preclosure. Say I got home loan of 30lakhs. If u pay for 20years you end up pay for 60lakhs finally. But if u prepay and preclose loan within 5years you will pay only 40lakhs and save 20lakhs! Prepaying and preclosure is always good for consumers.
Hi, Thanks for the info. I'm watching your channel for a long time. Really very good. After watching this video, no cost emi nu credit card moolama Namma online la edhachum vangna adhku interest amortization nu bank statement la potranga. Adhu ena edhu nu enakum sila perkum purila. Neenga adha pathi oru video potingana neraya perku useful ah irkum. Thank you.
Pre closure will be helpful to save your interest applied on whole tenure but that’s helpful if you pre close the loan before the 1 or 2 years from the closure date. Example - If you have personal loan for 5 years and you are about to pre close it after 6 month or 1 year, you will save some amount of money from the total interest applied on your whole tenure. But if you pre close the loan on 4th year, then it will be loss to you. Pre closure benefits depends on the which tenure we close the loan and useful for the long term tenure loans and not short term like 1 or 2 years.
Loan vangitu adaikirapa than ithelam therium. Yevlo than sonalum puriyathu. Patta than thirunthuvom. Semma video must share to anyone who want to take loan or emi
This is a good awareness video. Additionally, I want to add that for educational loans there is no preclosure fee for most of the banks. So closing educational loan earlier is very beneficial for us
kaasu sethuvechu oru porul vaanguradhu impossible by that time that product rate also increases in line with inflation. Going for emi option is good when buying much needed products. avoid luxury ones.
In my car loan #NoDocument charges, No Insurance, No Preclosure Charges also No part payment charges. ThanksTo#BOI * only one rule for part or preclosure request min 3 months due i need to pay tats it.
அண்ணா ஒரு சந்தேகம் மட்டுமல்ல பிரச்சினையும் தான் தீர்த்து வையுங்கள். kotak finance ல two wheeler loan போட்டு கட்டிட்டு இருக்கிறேன். போன மாதம் லோன் கட்ட ஒரு நாள் லேட்டா கட்டினேன் அதற்குள்ள 2000/- over due னு extra கேட்டாங்க . இது போல் தான் அடிக்கடி செய்றாங்க என்ன காரணம் statment தரமாட்டிக்காங்க உங்களுடைய வங்கி கணக்கு bankல போய் statement வாங்கிக்கோங்கனு சொல்றாங்க.
Brother unga bank loan videos ellam papen,romba nalla iruku and usefula vum iruku. Enaku oru doubt iruku bank of baroda la Nan loan vaanginen but enaku athoda terms and conditions theriyala so atha pathi konjam sollungalen
Nowadays almost all banks/non banks offer zero pre closure charges ... If you pre close in the early stages definitely you are the beneficiary ... Part payment in the early stages is also beneficial ... I closed my 20 year home loan in 8.5 years ... Definitely I saved few lakhs ... One more tip if you want do part payment always do it in the 1st of every month The down side of pre closure is your CIBIL score will get affected ... Before pre closure my CIBIL score was 800+ ... After pre closure my CIBIL score went down to 700+ ... 🤷♂️
Nice video bro. Hospital la operation ku laksh kanakaa amount vakuragalaa. antha amount yathukkalaa sethii antha amount charges pandraganuu oru video poduga bro.
குடிசை ல இருந்தாலும் போதும் டா இந்த லோன் EMI வேண்டாம். அடுத்தவன் பார்க்கிறதற்கு வீடு car bike வேண்டாம். லோன் வாங்கினா நம்ம bank ku அடிமை. 25 வருசம் நிம்மதி இருக்காது...
@theeneridaivelai Anna revised interest nu home loan la poduradhu pathi and yepdi calculate panranga and personal loan yen ivlo high interest and rendukum difference pathi oru detailed video podunga anna useful ah irukum
ஆசை அடக்கிட தெரிஞ்சா எல்லாம் காலடியில் கிடக்கும்🔥🔥✨🤷
💯 Fact
🙏💯உண்மை, உண்மை, உண்மை 🙏
கடைசியாக நீங்கள் கூறியது உண்மைதான் அண்ணா. . இங்கு பல பேர் வரட்டு கௌரவத்திற்கும், வெட்டி பந்தாவுக்கும், பொருளை வாங்கிவிட்டு மாதந்தோறும் பணம் கட்ட சிரமப்படுகிறார்கள். நம் தேவை எது, அத்யாவசிய தேவை எது என புரிந்துகொள்ள வேண்டும்...
Llooooooooooooopoooooooooooooooooooooo
Yes
Sure 100
Na loan tha kodukkura....unmaiyave customer pavam tha
Bank la pre closing charges kadayathu anna
இன்றைய எளிமையான மக்கள் அனைவரும் கஷ்டப்படும் ஒரு விஷயம் என்றால் அது இஎம்ஐ தான் அந்த இஎம் ஐ பற்றி மிகவும் எளிமையாக விளக்கம் தந்ததற்கு அண்ணன் அவர்களுக்கு நன்றி
நீங்க கடையில் பேசிய வார்த்தை மிகவும் சிறப்பு💥👌
EMI என்பது எதிர் காலத்தில் கிடைக்கும் பொருளை நிகழ் காலத்தில் அனுபவிக்க நினைத்து துன்பத்தை வரவழைத்து கொள்வது."கடன் பட்டார் நெஞ்சம் போல் கலங்கினான் இலங்கை வேந்தன்" என்ற கம்பரின் வரிகளை எல்லோரும் நினைவு கொள்ள வேண்டும்.
💯
Eppothum poola nalla oru information RUclips la best channel na athu thenir edaivelai mattum tha👍👍👍👍
பணம் இருந்தால் ஒரு பொருளை தேவை இருந்தால் அதனை வாங்கி பயன்படுத்த வேண்டும் ஆடம்பரத்திற்காகவும் இன்னொருவருக்காகவும் எந்த ஒரு பொருளையும் நாம் தேர்ந்தெடுத்து வாங்கினால் பின் விளைவுகள் மிக பயங்கரமாக இருக்கும் யோசித்து சிந்தித்து செயல்படுவோம் வாழ்வில் தெளிவு பெறுவோம் 😍🙋💯💯🤩
Apdi la sola mudiyathu bro adambarathukaga than emi vanguranga nu
Na be cse student enaku oru pc theva paduthu but money ila athanala emi nu onu varuthu
So theva irundhu panam ilathapa emi than ore option
பொருளின் தேவை இருந்தால் இ எம் ஐ யில் வாங்குவது தப்பில்லை 🤩💯
@@vasantha6860 ne vangalena athukku enna Panna palaperu apdithan vaanguran
தெளிவான விளக்கம்
மென்மேலும் வளர்ச்சியடைய வாழ்த்துக்கள்
Ending Information 100% True, Bro.
Preclosure = principle + broken period interest + (preclosure charge + sgst+ cgst)+ over due + Cheque bounce charge + Field visit charge
Thapu thapa Sola kodathu
அண்ணா இது போல பல உண்மை நிகழ்வுகளை எளிய மக்களுக்கு புரியும் அளவிற்கு பல கருத்துக்களை இன்னும் பதிவிடுங்கள் அண்ணா
Super and informative bro 3.01 last talk is worthy words
Make a RD to get that product what ever we need avoid EMI and enjoy
Yes, it's true... In 2019 I bought a bike through finance, on monthly basis i had to pay 4000Rs for 2.5years, after completion of 1 year I decided to pre closure the rest of my terms. For 81000 rupees i had to pay 39000Rs as interest for 2.5 years, after paying 1 year EMI i checked the interest amount I paid is 28000 Which not gives me benifits.
Worst ROI in loan is 2 weller loan dhan . Athuku PL edukalam.
@@arunm2085
All loan are worst with rate of interest high if it cross RBI instructions ....
@@mukeshraje.s3373 if u check roi for PL and 2 wheeler loan u can take pl itself.
If we understand the meaning of EMI, we won't surprise. The definition of EMI itself will give a top level idea.!
Best people friendly RUclips Channel in Tamil.
very very important news for Middle class people. Please continue for your unavailable videos. Thank you.
Idhu padikkadhavangalukku mattum illlaji padichavangalukkum theriyaadhu
Ungal sevai yengalukku romba thevai
Great advice of not buying things that we don't need. 👏👏
One Nuance to this, if the bank does not charge pre-closure charges then proceed to pay the amount. Loans such as Education loan, Home loan and some types of gold loans won't have pre-closure charges so best to close them.
Correct. It's true.
How can they give salary to their staffs? Only using our interest.
Bank cannot survive without internet.
So if you use bank's service we bound to pay interest
@@vijayalakshmivasudevan8644 yes it's true, if the money taken as loan is for useful purposes then paying intrest it's ok. but buying non essential things on loan, and then having a headache of loan repayment every month is not ideal.
Very super brother. உங்கள் சேவை தொடர வாழ்த்துக்கள் வாழ்த்துக்கள்
WRONG INFO IN THIS VIDEO. Namakku oru porul thevai padaama irundhaalum, loan pottu vaangiklaam. Example: 4 years back ennoda cousin RE Interceptor 2.5 lakhs ku vaangunaan. 2018 la insurance premium um kammi, insurance ku GST um kammi. Andha time la avan loan podaama indha bike ah vaanga mudiyadhu.
But today 2022 la, adhey bike 3.4 Lakhs, adhigaamana insurance premium, insurance gst adhigam.
Avan 10% loan eduthan for 36 months, total ah avan 2,90,412 dhan pay panaan. So extra 40,412 dhan.
BUT IDHUVE LOAN EDUKAAMA 2022 VARAIKUM SAVE PANNI VAANGIRUNDHA, EXTRA 1 LAKH SELAVU.
AVAN LOAN EDUTHA NAALA rs59,588 profit avanuku.
Well said ...
Bank is not charity to give less or free fee for loan... Better we need to check no preclosure loan and if we paid all emi we will became lost ...
It all depends on need and calculations.. Sometimes loan is better and sometimes not.
For my loan preclosure charges are almost equal to remaining interest, so I'm avoiding closure and investing it somewhere..
@@mahiabi2664 Please don't blabber. Have I talked about pre-closure or its benefits? ALL I AM TALKING ABOUT IS, THE MESSAGE THEY CONVEYED AT THE END OF THE VIDEO.
THEIR MESSAGE: DONT APPLY LOAN. BUY THINGS THAT YOU CAN AFFORD WITHOUT LOAN.
THIS IS A STUPID AND WRONG MESSAGE.
@@latestever173 HEY DID I SAID ANYTHING ABOUT YOUR COMMENT? ALL I SAID IS LOAN IS PURE CALCULATIONS AND NEED BASIS..
ALSO ADDED HOW PRECLOSURE ALSO LOSS TO LOAN BUYER..
FIRST UNDERSTAND THE CONTEXT AND THEN CRY..
I COULD HAVE AVOIDED THE REPLY BUT CAPS MADE ME TO GIVE IT BACK..
Super nanba..very useful
Asai dhan ellathukum karanam adhan kadan vanga solludhu,Ippadi ellarkum thevayana nalla video podringa,vazthukkal super.
Last words are true 🔥🔥🔥
ஆசையை ஒழித்தால் துன்பத்தில் இருந்து விடுபடலாம்.🙄🙄🙄
ஆசையை ஒழிப்பது சிரமம் தான்.
அருமையான பதிவு நண்பா!
EMI preclosure is useful only in long term high value loans like housing loan.
Really?
It's true
Home loan at pre close charge not applicable .....
Only for personal loans
VEHICLE LOAN ..
PRE CLOSURE APPLICATION
SIMPLE WASTE OF GETTING LOAN FROM BANK ...
INTEREST................................................
This is correct only for the emi who took for 1 year or 2 year.But when buy anything with higher amount with longer period.precloser is advantageous
Not only BIke EMI , Personal loan , Home loan everything works like that, Bankers saying Per Annum 11 to 13% interest but they taking more than they coated based descending order of interest paying method
Yes correct ..ethuku than entha banking system ...
Simply waste....
நல்ல பதிவு அண்ணா ...😍
Very Good valthukkal brother's
Love u bro. Super explaination climax super
Randomly seen this one of the best video for the day
Super Machan abi keep doing that ❤️❤️❤️ best explanation
Yes. Banks will always benefit. But consumer can also benefit by loan preclosure. Say I got home loan of 30lakhs. If u pay for 20years you end up pay for 60lakhs finally. But if u prepay and preclose loan within 5years you will pay only 40lakhs and save 20lakhs! Prepaying and preclosure is always good for consumers.
Superb looking and informative presentation.
Super thambi.. Nice lesson to all. 💐💐💐
True last msg 🤔
Pattaiya kalapparinga bro 🔥🔥
இந்த No Cost EMI க்கு ஒரு வீடியோ போடுங்க. No Cost EMI னு சொல்லிட்டு Interst போடுறாங்க.
Last 10 second message is very important ✨
Nalla vela car loanku preclosing panlamnu irunthan.thank you
Super message nanba keepitup👏👌👍
நன்றி.. அருமையான தகவல்
நல்ல உள்ளத்திற்கு நன்றிங்க
LMES , Mr Gk வரிசையில் இப்போது Theneer Idaivelai 👍👍👍
யாருடா நீங்க எல்லாம் 🤣
Oombu
@@darkprince7131 🤣🤣🤣
@@SowndaramChinnadurai 😂
Mahaprabhu neenga ingaiyum vandhuteengala?? 😴😴😴
Hi,
Thanks for the info. I'm watching your channel for a long time. Really very good.
After watching this video, no cost emi nu credit card moolama Namma online la edhachum vangna adhku interest amortization nu bank statement la potranga. Adhu ena edhu nu enakum sila perkum purila. Neenga adha pathi oru video potingana neraya perku useful ah irkum.
Thank you.
LMES,mr GK,வரிசையில் இப்போது தேனீர் இடைவேளை...
Atlast Message 💯
Awesome guys very helpful
Good awareness video 🔥🔥🔥
Pre closure will be helpful to save your interest applied on whole tenure but that’s helpful if you pre close the loan before the 1 or 2 years from the closure date. Example - If you have personal loan for 5 years and you are about to pre close it after 6 month or 1 year, you will save some amount of money from the total interest applied on your whole tenure. But if you pre close the loan on 4th year, then it will be loss to you. Pre closure benefits depends on the which tenure we close the loan and useful for the long term tenure loans and not short term like 1 or 2 years.
Loan vangitu adaikirapa than ithelam therium. Yevlo than sonalum puriyathu. Patta than thirunthuvom.
Semma video must share to anyone who want to take loan or emi
Good information
SBI don't charge pre-closure charges for auto loans. Also, we can close the loan immediately after getting the loan.
True!
First SBI should give loan for middle class people. 😂😂
Super information bro...
vera level thalaiva
Super informative 👌
nanba stock market pathi video panuga
Poduga bro
This is a good awareness video. Additionally, I want to add that for educational loans there is no preclosure fee for most of the banks. So closing educational loan earlier is very beneficial for us
Love from KA❤
Anna Nice information thanks. Also please clarify about business loan and housing loan pre-closure details.
Super anna ...thanks for your information 😊
video ஒடும்போதே அடுத்த வீடியோ கான title card போடாதீங்க. video மறைக்க படுது
பலர் சொல்ல நினைத்ததை, நீங்கள் சொல்லி இருக்கிறீர்கள்.
Distance education pathi video podunga
EMI ல பைக் வாங்கி பட்டதே போதும்யா..🤗😑
Podhum pa. Bike vangi patatha paadu
Bike mattum illa ellamae....
No EMI ..
Superb information 🙏
kaasu sethuvechu oru porul vaanguradhu impossible by that time that product rate also increases in line with inflation. Going for emi option is good when buying much needed products. avoid luxury ones.
Good job team
Super super super super 🙏 nice video🎥 bro 👏👏👏👏👍👍
Last updated true 💯😂❤
In my car loan #NoDocument charges, No Insurance, No Preclosure Charges also No part payment charges.
ThanksTo#BOI
* only one rule for part or preclosure request min 3 months due i need to pay tats it.
Emi,credit card, petrol~diesel (quality + quantity) gold எல்லாமே ஏமாத்துதான் 😒
நாம தான் அத பயன்படுத்திகிட்டு புத்திசாலி னு பீத்திகிறோம் 😏
Gold kudava
அண்ணா ஒரு சந்தேகம் மட்டுமல்ல பிரச்சினையும் தான் தீர்த்து வையுங்கள். kotak finance ல two wheeler loan போட்டு கட்டிட்டு இருக்கிறேன். போன மாதம் லோன் கட்ட ஒரு நாள் லேட்டா கட்டினேன் அதற்குள்ள 2000/- over due னு extra கேட்டாங்க . இது போல் தான் அடிக்கடி செய்றாங்க என்ன காரணம் statment தரமாட்டிக்காங்க உங்களுடைய வங்கி கணக்கு bankல போய் statement வாங்கிக்கோங்கனு சொல்றாங்க.
Thanks for your. Rombo help ful video
Brother unga bank loan videos ellam papen,romba nalla iruku and usefula vum iruku.
Enaku oru doubt iruku bank of baroda la Nan loan vaanginen but enaku athoda terms and conditions theriyala so atha pathi konjam sollungalen
Few banks preclosure has nocharges.. Few banks like HDFC, above 10L loan, settlement after 1 year.. Preclosure has no charges..
Kadaisi varaikkum emi la onnume vaangadhqvunga attendance podunga....
Apo veedu emi also same oru video podunga neraya peruku useful aagum
Nowadays almost all banks/non banks offer zero pre closure charges ... If you pre close in the early stages definitely you are the beneficiary ... Part payment in the early stages is also beneficial ... I closed my 20 year home loan in 8.5 years ... Definitely I saved few lakhs ... One more tip if you want do part payment always do it in the 1st of every month
The down side of pre closure is your CIBIL score will get affected ... Before pre closure my CIBIL score was 800+ ... After pre closure my CIBIL score went down to 700+ ... 🤷♂️
Bro one doubt for home loan preclosed the loan at the same time can I get the home documents from bank?
@@karthikverse You will not get it immediately ... They will take some time to process
Thanks bro. Process time, approx how long?
@@karthikverse That varies between bank to bank ... You would have to check with yours
Thanks for reply
Nice video bro. Hospital la operation ku laksh kanakaa amount vakuragalaa. antha amount yathukkalaa sethii antha amount charges pandraganuu oru video poduga bro.
வங்கியாளர்கள் அனைவருக்கு சரியான பதிலடி
குடிசை ல இருந்தாலும் போதும் டா
இந்த லோன் EMI வேண்டாம்.
அடுத்தவன் பார்க்கிறதற்கு வீடு car bike வேண்டாம்.
லோன் வாங்கினா நம்ம bank ku அடிமை. 25 வருசம் நிம்மதி இருக்காது...
Very useful information message
Good information... Thank you 😊
💯 unmai unmai Anna
Super thala 👍
Explain Preclosure or the ways to reduce interest in Home loan
நம்முடைய நகைகளை குடுத்து பணம் வாங்கி அதுக்கு கட்டுற வட்டிய விட சும்மா பணம் குடுக்குறவன் வாங்குறது தப்பில்லை அப்படி இது ஒன்னும் மோசமானது இல்லை தலைவா
தேவையில்லாமல் கடன் வாங்குவதை தவிர்த்தாலே போதுமானது சிறுக சிறுக சேமித்து வைத்து வாங்குவதே மேல்
Best option initial amount agigama kattirunga, aparam monthly ungala evlo katta mudiyumo antha amount a solli emi calculate panna sollunga.
Great work
Ending advise 👌👌👌
Super thambi
bgm வேண்டாம் தலைவரே
Thankyou ❤ from kerala
Good 👍 ending ❤
நன்றி நன்றி 🤔🤔🤔🤔🤔👍🏻👍🏻👍🏻👍🏻🙏🏻🙏🏻🙏🏻🙏🏻
Informative 🙏🏻🙏🏻🙏🏻🙏🏻
@theeneridaivelai Anna revised interest nu home loan la poduradhu pathi and yepdi calculate panranga and personal loan yen ivlo high interest and rendukum difference pathi oru detailed video podunga anna useful ah irukum
0% interest la EMI pathi konjam solluga
Interest o but processing fee undu
Interests 0 % but neega vanugura goods insurance poduvanga
Adhu vadikatna oolu