Car Loan or Cash Which is Better? | EMI vs Full Payment

Should you buy car on cash or with a car loan? The incentives that come with car loans or EMIs come with the drawback of a significantly higher price tag. So, is the convenience of equated monthly installments worth it over the higher price you pay, or should you invest all of your money and buy a car with a full down payment? Learn it all in this video.
If you are in Pune & want to talk about your car or bike on Sahi Gaadi then get in touch via email - [e-mail]
More informative videos for you:
Car Loan Me Kya Dhyan Rakhe? Do Not Make These Mistakes: • Car Loan Me Kya Dhyan ...
Car Loan Lene Ka Sahi Tarika: • Car Loan Lene Ka Sahi ...
Car Insurance All Terms Explained: • Car Insurance All Term...
00:00 Introduction
01:00 Full down payment
02:20 Upgrading/selling early
03:12 No extra cost
04:00 Cons: Limited choices
04:35 Lumpsum transaction
05:18 Finance pros: Choices
06:30 Doesn’t affect savings
07:05 Cons: Interest
07:58 Security
#sahigaadi #emi #carloans

[@SahiGaadi]

Car Loan Lene Ka Sahi Tarika: th-cam.com/video/-Pob3PdMc_w/w-d-xo.html
Car Insurance All Terms Explained: th-cam.com/video/CyIA_nSpZU4/w-d-xo.html
9 SUV cars under 10 lakhs: th-cam.com/video/5IxeU4N-lMw/w-d-xo.html

[@user-qo6qo3mx5q]

Sir n.i.p case kya hota h

[@user-rv3zu8mk1h]

पैदल या साइकिल पर चल लेना लेकिन कभी लोन पर कार मत लेना भाइयों ।झूठी शान की वजह से अपनी रात की नींद खराब ना करें ।हाँ ज्यादा ही पैसा है तो कोई बात नहीं है ।

[@ErAKBihari]

सहमत😂

[@OishikSarkargplus]

I was planning Tiago in 2021 that was costing me around 6 Lacks on road, I dropped the plan because I didn't wanted to pay 80k interest and though of saving and pay by cash.
In 2023 the same car same model now costs 7.80 lakh. So the conclusion is by not purchasing the car and not taking the loan I lost 1 lack.
Conclusion is don't listen to any idiot, if you want to purchase something go and get it by loan. Now I regret my decision and don't want to pay extra 1.80 lacks for the same car.

[@Besmartbutsmartly]

😂😂😂yoy are a fool

[@sachinsonavle3625]

Yes , do not listen any idiot on you tube

[@Mohiitt357Sharma]

Cash or EMI ....very understood subject...who already has money, he doesn't think about taking a loan ...who aren't able to afford the whole amount at a time they take loan...it is obvious... someone can't save the whole amount to buy a car but can pay in EMI.

[@anjub7405]

लोन पर गाड़ी लेने पर जो व्याज की राशि देनी पड़ती है उस से ज्यादा फर्क नही पड़ता, क्योंकि गाड़ी की कीमतें दो- तीन वरसों में व्याज से अधिक बढ़ जाती हैं! जिस कार का मज़ा आप ले रहे हैं शायद धन के अभाव में पहले से न ले सकते!

[@dannycbe949]

Interest to be paid on a DEPRECIATING ASSET...is not a good idea.
Taking minimum loan is best..for shortest possible time..is the way to go ,if outright payment is not possible

[@dineshkumar-wb9oc]

एक दम आराम से , कोई हड़बड़ाहट नहीं ,जितने अच्छे ढंग से समझाया जा सकता है उतने बढ़िया तरीके से समझाया दाद देनी पड़ेगी ,
बहुत अच्छा लगा

[@SahiGaadi]

Thanks Dinesh bhai

[@dineshbisht4077]

abviousely jiko 12 lakh ke car lene hai wo maximum down payment karega interest se bachne keliye its depend on buyers

[@baijnathkushwaha3686]

Explanation best but still beed to compare with ammount.. With cash and Finance.. because someone choose finance and someone choose cash.

[@RX-wo3tz]

Agar Savings Bank or FD mei paisa hai which is less than car loan interest rate then cash better hai na sir

[@UmeshKumar-ff8cs]

Any issue related to income tax

[@pushpendrayadav9248]

Thanks sir
Nice information 👍👍

[@SahiGaadi]

So nice of you

[@muktarulhossain5425]

Income karne bahut mehenat lagta hein. Agar emergency na ho to cash is best option. Income monthly 60k and EMI is 20k. You have to assume your salary 40k only. Ayse karte karte end of the month savings is zero. Rat ko santi se nind nehi ayega. Cash mein honda CITY ki jaga swift milega but santi se chal sakti ho. 60k amount mein apna marji se kharch karsakta hu. I hate loan.

[@agatajo6883]

Ekdam sahi kaha aapne

[@gaynendrachhetri3172]

Sir I have planned to buy for commercial purpose so what will be the difference when we purchased down-payment of 2 lakh or we purchased zero down-payment sir please give us Good ideas about it !

[@jagannathmahanta1631]

Very nice description 👍

[@SahiGaadi]

Thanks 🙂

[@dilipsolanki7611]

बहुत अच्छा लगा सर धन्यवाद

[@nageshbhalse]

Bhai itna cash jama karne ke liye middle class family ko 10 sal se jyada time lagega is liye finance achha rahta jisse paise bhi bachana sikh jata he

[@saaadshot]

That’s the point
Agar 10 saal lag jayega toh simply car afford ni kr skte. Paise Jama krne mai 10 saal lag jayega lekin loan bande 5 saal ka krwate hai

[@user-rm9sk7cs1j]

Sir kya finace ke amount ko hum time period se pakle bhi bhar sakte hai ismain faida hai ya nuksan reply please

[@gopalalam7288]

Nice information ji
Thanks you

[@SahiGaadi]

So nice of you

[@lundwipro]

Best option is always cash pe gaadi uthao. End of the day car is depreciated product. Or every year manufacturer are facelifting their design and tons of new features. Best hai koi base model hii le lo premium cars bhi le sakte ho. Emi kisi or profitable products mein use Karo future mein life profit dega

[@bkc286]

👌👌👌👌

[@jaradhiggins6599]

Kya 50L ka cash mai ley saktey ho? Lol

[@jayantab1999]

@@jaradhiggins6599 Wohi toh bhai. Income tax darwaje pe hajir hoga direct. 😂

[@user-ue7fn8rz3h]

​@@jaradhiggins659950 lakh bale hote hi corrupt hai...tabhi income balon se fat ti hai inki 😂😂

[@visvia1887]

8 se 12 lakh ki car cash payment se Lena best hai.

[@pst.shimonsamudre9341]

Thank you so much for your valuable information.

[@SahiGaadi]

So nice of you

[@SSUKUNA]

▀▄▀▄▀▄ek shikshak bhee ise itanee khoobasooratee se nahin samajha sakata...aapakee samajhaane kee style ne mere dil ko chhoo liya▄▀▄▀▄▀❤❤

[@SahiGaadi]

Thank you so much

[@abidshaikh3537]

As per budget and capacity one should buy a car but Aaj kal Show off ka Mahol hai

[@SahiGaadi]

Sahi kaha aapne

[@navjotsingh4888]

Sir finance karte time kin czeezo ka dhyan rakhna chie?

[@skmathur_sad2576]

Thank you sir ji apne bhut achi bat btai hai thank you

[@SahiGaadi]

Always welcome, stay tuned

[@ronyjohn9849]

One main point you have missed out for Full cash payment disadvantage, If you pay one time transfer more than 10 lakh from one account then Income tax will ask for the source of income, so better always to take 20% finance wih short period of time ( 2 years better) rather than full payment.

[@ganeshbharadwajshooter1913]

Bahut badhiya jankari ji dhanyawad bhai 👏

[@SahiGaadi]

Apka Swagat hai Ganesh Bhai

[@kailashrawat126]

Thank you sir for clear my doubts 😊

[@SahiGaadi]

Welcome

[@SAGARSIRVLOGS-ut3kp]

Sir, jo ITR only file krta ho but unka annual income below 5lakh rhta ho toh kya wo 12 lakh ki gaadi full down payment kr k le skta hai?
Aur agar 12 lakh ki gaadi full down payment kr k le le to kya income tax department se kuch problem hogi ?

[@ramjisingh5078]

Thanks sir good information

[@SahiGaadi]

So nice of you

[@dattamhaddalkar8402]

Excellent tips 👌

[@SahiGaadi]

Thanks

[@seiboihangmi3412]

Good information Sir

[@SahiGaadi]

So nice of you

[@DayNulmuchana]

Agar aap Car ki down payment 50% de dete ho toh mental stress nahi hoga,
kyonki EMI ke alawa bhi km se km 10000rs. Month ka other expenses bhi hote hae etc. Petrol, insurance, maintenance, accessories

[@vinaykumarsingh1483]

Right suggestion sir.

[@SahiGaadi]

Thanks and welcome

[@kolekarsantosh3631]

Well explanations

[@shngainsinghbareh6790]

Bahut2 dhanyabad,Sir

[@SahiGaadi]

Welcome :-)

[@nishforfrnds2472]

Wrong information told in disadvantages of car purchased in cash, a buyer can extend budget for a higher segment car without worries of emi with interest

[@baniya2]

Sir aap k samjhne ka idea bauth achha laga

[@SahiGaadi]

Thank you so much

[@tulsiblogs3476]

Cash payment kar ke lene me . income tax ka koi problem to nahi hai ?

[@michaelr4107]

The video is somewhat misleading. A little bit R&D would have led you into truth.
Suppose I have 10 lakh cash but I decide to take a loan instead of buying a car in cash.
Considering loan fixed rate at 8.85%, the total interest + charges would be Rs. 2,71,160.
Now I invest/reinvest the 10 lakh cash on hand in a FD at say 7% compound interest. I would get 4.14 lakh as return at the end of 5 years. So I make a profit of nearly 1.2 lakhs after tax. Even if the FD interest rate in 6.5%, I tend to make a profit. Moreover, I can take the money in case of any emergency.

[@manishbajaj2572]

Suppose you are paying some X amount as instalment and put that amount into RD with 7% or any rate which is currently being then only you will reach out to correct calculations or saving vs loss, you are just looking at one prospectus

[@Creative_Zone022]

And we can get more in mutual fund also

[@Anil-pm4hz]

​​@@manishbajaj2572 His calculation perfact.He said, if he is having 10 lakh in hand in starting, still he would prefer to borrow loan, which means whole 10 lacs go into FD in one shot not in RD.

[@bipasham9335]

I agree with this point. If someone has money but he wants to take loan from a nationalised bank and purchase the car by EMI, would be very wise decision because his available cash will not exhaust in go rather it would bring get interest by putting in FD.

[@GaneshMadke-py8zm]

Apne bahut achya samjaya Bhai Thank you 🙏

[@SahiGaadi]

Welcome bhai

[@monojsingha9851]

Thanks Sir,,,Very Impressive

[@SahiGaadi]

Most welcome

[@abhijitkundu1879]

Thank you Sir aaplogo ka bharosa bas yehi lekar aage barni hain Sir 🙏🌹

[@SahiGaadi]

Thanks bhai

[@abhijitkundu1879]

🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏

[@abhijitkundu1879]

Ji bhai 🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏

[@BKSEM]

Cash v finance batter hain, down payment jyada or short kar sakti hain, or apni cash ko v interest kamakar de sako aisa jaga par invest main rakhu...

[@rahulsingh-rm2yf]

Only take immovable property on loan ,not items

[@devendrawallepure3901]

Nice information 👌 👍

[@SahiGaadi]

Stay connected :-)

[@abhijitkundu1879]

Aaplog financial advisors aur legal advisors aur bankers ke saath goodwill badani hain taabhi na bada khel paaunga liquidity se kuch nehi hota bahut hi limitations main chalni padhegi 🙏🌹

[@desiredditor]

car hamesha nahi saste me milti hai
if you do calculation you can break even in emi or sometimes make profit as well

[@DheerajShahLifestyle143]

Wow great information 💯 sir 👍

[@SahiGaadi]

Many many thanks

[@DheerajShahLifestyle143]

@@SahiGaadi welcome 🤗 sir

[@sachlangjamatia4740]

Right sir .

[@dddd-ni3pt]

1 bar cash m lo sarri tension kharam 3 se 4 saal ki whi har mahine 20se 22hazar pay krna jyda tension or bich m Maan badal Jai dusri Leni ki toh phir bhi toh bharna pdega sarra or loan m Kam se kam 1.5 se 2lakh extra dena pdega

[@shahabshah6422]

What about the Balloon payment which should be paid at the end of installments, why you not providing the complete information with the people's

[@dyat1820]

Good suggestions

[@SahiGaadi]

Thank you so much

[@sandeepkumar-hk2ge]

Sir mujhe gadi leni hai pr income background nahi hai kya karu

[@imranmahaldar464]

Sir 10 11 lak thak gadi cash mein Lethe hai tho tax ka kuch lafda hai kya???

[@NaveenRao-ru7wu]

Good information.

[@SahiGaadi]

Thanks

[@mohdfarzankhan991]

New car ka insurance kaise le usme dealer se bhi Lena hai toh number mangta rc ka

[@SonuSangam-sd4sf]

बहुत अच्छी जानकारी दी है आपने 🙏🙏 धन्यवाद सर

[@SahiGaadi]

Thanks

[@bm-ju9sk]

Best choice in 2nd hand for middle class

[@sanjibdey658]

Ni sir
New car
Finance best hey

[@S_V677]

Middle class wale gadi ek bar hi lete hai bhai

[@brijeshchauhan690]

kuch income tax benifit kese le wo bhata ya nahi

[@supanroy822]

Thanks for this video and car ki rate jitna badta jayega utna mileage vi kom hota jayega.Pesa jayada jayega aur mileage vi kom..Matlab sacrifies korna vi padega😂😂. Desh ki mantri o ko jyada rate ki car diya jata hain..Am janta sain pesa utate hain

[@nazmulmondal7082]

Nice 🎉❤

[@Ummedsingh1008]

Thanks a lot

[@SahiGaadi]

Most welcome

[@poojanayak9655]

bhai hamne tho lagta hai ki cash best hai or na hamare pas andha paise hai but hamne jo paise jama kiya ha wo ham pura ek saath karch karenga hi nahi ham 2 ya 3 saal wait kar car taki hamare pas cash bhi raha emergency ka liye or gaadi bhi aa jaye ( best option cash ha samajh lo babua 😊😊)

[@ChongaiMongai]

1) Gaadi chori ho jaati to finance company wale dhoond ke dete hai...varna nahi milti hai.
2) 10 yrs me mutual funds 3 times paisa bana dete hai.. Interest pay karne ke baad bhi sasti padti hai

[@SahiGaadi]

1) Chori ho jaane ke baad bahut kam chances hain ki gaadi mil paay but agar aapne acha insurance plan le rakha hai to pareshani kam hogi.
2) Only if you're very lucky aapke paise 3 guna honge, 10 saal aap without vehicle public transport me suffer kar rahe honge.
Vaise aapki baat sahi hai but agar jarurat hai to lena bhi sahi hai, agar gaadi ghar par khadi hi rahne wali hai to fir bilkul nahi lena chahie

[@AshishSharma-oe9pe]

Agar kamane ke liye lena ho to

[@Altaf_Mulani]

Right 👍

[@user-qy5nf3jy8c]

80 lakh ki evoque cash pr le skte hai? Koi problem toh nhi hogi

[@santoshkumar-qu4vo]

AAP ye sahi baat bole

[@sahilyuman]

Sir aap ney bahut pyari baat kahi hai sabsey last me 🥰🥰❤❤❤❤❤🌸🌷🌹💐

[@SahiGaadi]

Thank you bhai❤️

[@DSVLOG-ms4ty]

Agar mera 35000 ho 7 lakh ka gari lu cash mein toh kya income tax ka notice ayega?

[@user-ch2qb8gu1t]

right👍

[@devendrawallepure3901]

GOOD SUGGESTIONS 🌺 👍

[@SahiGaadi]

Glad you like them!

[@SpeedyAutomobile]

Emi ok hai. Jitna interest dena hai utna mutual funds se kama lenege😇

[@mohammadnaved7705]

Mutual funds are subjected to market risk

[@mandalandassociates]

😂🤣🤣🤣living in a fantasy

[@PanditKaramchand099]

Nice information

[@SahiGaadi]

Thanks

[@RAJESHSAINI-ou7fu]

Good suggestion

[@SahiGaadi]

Thanks

[@ravikeshav1107]

Badhiya jankari diye hai bhaiya

[@SahiGaadi]

Thanks

[@javidhussain7639]

Good advice

[@SahiGaadi]

Glad you think so!

[@parthrajpal3574]

Great video

[@SahiGaadi]

Thank you so much

[@subomsengyung8769]

Sir Punjab Bank se loan lay k Lena chahiye ya Bajaj se finance karna behtar rahega plz reply

[@SahiGaadi]

Jo bhi kam interest par loan de usse lena chahie

[@meandyourwords9538]

Aapane gadi lene ka bahut badhiya sujhav Diya❤❤❤❤❤

[@SahiGaadi]

Thanks

[@gourabdeb895]

Rumsum money 7YRS FD korne se Jo interest jama hoga yo extra benifit Hai.

[@harendraharendrasingh3891]

Bahut hi mast jankari Di

[@SahiGaadi]

Thanks

[@pritampawar-xz8gl]

Agar ham 10 ke bajaye 5 lagake 5 invest karenge toh app dugna banyenge aur loan ka interest pay karke utna hi profit bachega

[@Sukhjashan]

Jitna Paisa hmare pass hai agar hum us paise se koi kaam krte hai to loan Lena achha hai, But agar apna paisa FD mei rakh kr gaadi loan PE lenge to Interest ka loss hoga

[@santoshkumar-qu4vo]

Love you bahi and sir❤😊

[@SahiGaadi]

Thanks Santosh bhai

[@youtubebrowser1730]

you have not mentioned about income tax on cash purchase of car

[@NaushadAhmad-nq8ov]

Thank

[@Rajinderkumar-ew9ch]

nice information ji

[@SahiGaadi]

Thanks

[@sunilkumar1679]

What happens if a finance car meets with an accident and is declared a total loss. Will the insurance company bear all losses?

[@SahiGaadi]

Insurance company ke apne terms hote hain, vo us hisab se hi kaam karegi. Gaadi scrap bhi ho gayi hai to bhi EMI to patani hi padegi aapko. Dono chize alag-alag hain

[@prernaagarwal3548]

To reply to ur answer yes they should pay

[@Anonymous-tz3gw]

@@SahiGaadi अच्छा, अगर गाड़ी स्क्रैप हो गई पूरी तरह चलाने लायक नहीं बची तो फिर इंश्योरेंस कंपनी किसे पेमेंट करेगी कस्टमर को, बैंक को कि कंपनी को, और क्या कंपनी इसके बदले दूसरी गाड़ी देगी फिर से चलाने के लिए 🤔🤔🤔🤔

[@rahuljaat1925]

Bhai aapane bilkul sahi Salah aur jankari chahie

[@SahiGaadi]

Thank you bhai

[@PrashantPawar-eo5dj]

Cash payment kar ke car lene time salo gujar jayega
Car kon Budhape me chalana pasad karega
Jindagi me aayo ho to time per jeena sikho

[@devendrasingh8404]

Sir 9 lackh ke bugget mai konsi car average,look, seating,body strength, CNG with petrol mai konsi company ki car achi hai

[@SahiGaadi]

In sabhi chizo me Tiago aapke lie sabse acha option hai

[@devendrasingh8404]

Sir hundai ki aura kaisi hai

[@SahiGaadi]

Aura badhia hai bs 9 lakh tak me thode features kam milte hain, again mai suggest karunga go for Tigor

[@irshadsayyad7850]

superb 👌👌👌👌👌👌👌

[@SahiGaadi]

Thanks 🤗

[@manojdhurve8302]

Bhai apka knowledge to Kamal ka h

[@SahiGaadi]

Thanks Manoj bro, support karte rahna bs

[@ashokkaramunge683]

Nice video we'll said sir

[@SahiGaadi]

Thank you❤️

[@bilalpatel4849]

Last line apki bhahot achi thi need k hisab se lo car 🎉😅

[@maheshbora5018]

Sir muje second hand vehicle chaye wo bhi 2 lack tak

[@mushtaqali4395]

Good information

[@SahiGaadi]

Thanks

[@abdeshpanda]

Aapka ye kaun sa car kitne me liye sir??

[@dhrubachoudhury8030]

Beautiful msg.

[@SahiGaadi]

Glad you think so!