car loan

कार लेने से पहले ये कुछ खास बातों को जान लें आप

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Apna ghar aur apni gadi har kisi ka sapna hota hai. jab koi insan paise kamane lagta hai tab use apne ghar ke khwab aane lagte hai. agar aap bhi nayi car kharidne ke bare me soch rahe hai to apke paas bhi kayi option honge. agar apki income utni nahi hai, aur aap car loan ke liye apply karne ke bare me soch rahe hai, to apke liye kuchh bato ka jaanana bahut jaroori hai.

car loan ke liye apply karne se chahiye

 

Loan Amount

car kharidne wale adhiktar logo yah confusion rahta hai ki unhe kitni rakam loan ke taur par bank se leni chahiye. bank car loan dene se chahiye avedankarta ke income ka vishleshan karte hai. agar apki car loan ki EMI aapake masik aay ka 20 phisdi ke aas paas hai to aise me bank aapko loan de dete hai. agar kisi ki masik selari 50,000 rupe hai to car loan ki EMI 10,000 rupe se adhik nahi honi chahiye.

 

sirf intrest hee kafi nahi

agar aap sirf bank ke interest daro ko dekhkar car loan lete hai to yah galat hai. man len ki aap 4 lakh rupiye ka car loan lena chahte hai. koi bank car ki kimat ka 80 partisat loan 5 saal ke liye 10.5 partisat ki byaj dar par deta hai. vahi, doosra bank 10.25 fisidee ki byaj dar par loan deta hai. en dono byaj daro me sirph 48 rupiye ka hee fark hai. thode se kam byaj ke chakkar mein ekadam se loan lene ka faisla na kare. byaj daron ke alava doosri bato ka bhi dhyan rakhe aur phir loan lene ka faisla le.

 

processing charge

bank ke niyamon ke anusar car loan processing fees tay rahti hai. aam taur par 2.5 lakh tak ke loan par bank 2500 rupiye tak processing charge lete hai aur iske sath hee documentation ke 350 rupiye dene padte hai. vahi, 4 se 5 lakh ke loan par bank 4000 rupiye processing fee aur documentation ke liye 350 rupiye hee lete hai. loan lene se pahle chahiye banko ke byaj dar aur prosesing fees ko bhi tulna karna jaroori hai.

 

prepayment charge ka rakhe dhyan

sasti byaj dare dekhkar loan ke liye apply na kare. car loan chukane ke liye aapko 5-7 saal ka waqt milta hai. agar apki selary badhti hai aur aap loan ko jald se jald chukaana chahte hai, to kayi banko ki policy ke anusaar aapse prepayment charge bhi vasoola jaata hai. kuchh bank prepayment penalty charge nahi lete. agar aapko lagta hai ki apki aay badhne wali hai to prepayment wale banko se karj na le. bank ki condition  ko dhyaan se padhe.

 

apna credit score pata karen

car loan ke lie aply karane se chahiye apne credit score ke baare me pata karna jaroori hai. bank aapko credit score ke hisab se hee loan dega. lo credit score par aapka loan application reject ho sakta hai aur high credit score par aapko turant loan mil sakta hai.

 

aay ke hisab se ho vyay

jitani apki aay hai usee hisab se vyay bhi kare. chahiye yah tay kare ki kya aap EMI payments karne ke kaabil hai ya nahi. agar aap ek baar bhi EMI chukaane me chukate hai to iska prabhaav aapke civil score par hee padata hai. apki abhi ki maasik aay ke hisab se hee loan repayment ki avadhi chune. bhavishy me selary badhne ki aasha me koi bhi kadam na uthayen.

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आपने कीमती समय देकर ब्लॉग पढ़ा धन्यबाद, ये पोस्ट आपको पसंद आया हो तो शेयर करना न भूले, ताकि इसे ज्यादा से ज्यादा लोग पढ़ें, अपना विचार जरूर लिखे, इससे हमें और ज्यादा अच्छी और लेटेस्ट जानकारियाँ लिखने के लिए प्रेरित करेगा.

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