Why Poor People Are Buying Luxury Cars ?

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  • เผยแพร่เมื่อ 6 ม.ค. 2024
  • How Cars Are Making You Poor ? | Reality Behind Cars ? | Business Case Study | Aditya Saini | Personal Finance. Why Poor People Are Buying Luxury Cars | Showoff Game Exposed | Elvish Yadav | Aditya Saini
    In this eye-opening exploration with Aditya Saini as we unravel the often-overlooked financial implications of car ownership. In this thought-provoking video, Aditya delves into the reality behind the shiny exteriors and high-speed adventures, breaking down the business case of how cars can be a silent drain on your financial well-being. Learn How You Can Buy Your Dream Car with Proper Financial Planning in this Video.
    Key Topics Covered:
    Depreciation Dynamics: Understand how the value of your car diminishes over time, affecting your overall financial standing.
    Hidden Costs: Explore the often underestimated expenses associated with car ownership, from maintenance to insurance and more.
    Opportunity Costs: Discover the alternate investment opportunities you might be sacrificing by allocating a significant portion of your income to your vehicle.
    Practical Tips: Aditya shares actionable advice on making informed decisions about car ownership, optimizing your expenses, and maximizing your financial potential.
    dream car, buying my dream car, how to buy a car, how to buy a car from a dealer, how to buy a new car, how to buy a used car, financial planning for car, how to buy your dream car, how to buy your dream car at a young age, how to get your dream car, how to buy dream car, how to make money, how to afford your dream car at 18, buying dream car, how to negotiate a car deal,5 essential steps to buy your dream car in your 20s, car, finance, car review, money, earn, sports car,price
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ความคิดเห็น • 810

  • @sudipta4354
    @sudipta4354 4 หลายเดือนก่อน +655

    I belong to a middle class family. We bought a car a year ago. We are capable of buying a compact SUV or a top variant of a premium hatchback on loan. But we decided not to take loan on a depreciating asset. Considering we are a small family and getting all the functional features, we bought a mid variant of a small car by paying full amount on cash. We are very happy with our decision and now we can spend the rest of the money on fuel and maintenance of the car by avoiding the car loan.

    • @tradingwithbunty
      @tradingwithbunty 4 หลายเดือนก่อน +5

      Konsi car li he

    • @mohitdhameja5914
      @mohitdhameja5914 4 หลายเดือนก่อน +8

      Smart

    • @ayushagarwal1477
      @ayushagarwal1477 4 หลายเดือนก่อน +5

      Good decision man

    • @ShnehansuRajBaruah
      @ShnehansuRajBaruah 4 หลายเดือนก่อน +38

      Wouldn't it have been smarter to take the loan for the mid variant car as well and then not put all your cash in a depreciating asset? Like, you could have put the money in a MF or some other investment option that can give you returns. Wouldn't that have helped with the EMIs as well?

    • @singhpreet9333
      @singhpreet9333 4 หลายเดือนก่อน +24

      Car buy karli or middle class bol rha h😂

  • @winterevening517
    @winterevening517 4 หลายเดือนก่อน +173

    Car is a short term satisfaction, It is very strong statement to realise.

    • @coronachorona7659
      @coronachorona7659 2 หลายเดือนก่อน +1

      ​@@-WhoAMI..So you're going to use that car for 10-20 years?? Damn...

    • @kavyajod2584
      @kavyajod2584 หลายเดือนก่อน +2

      hell naw brother if u dont like cars that does not means other will dislike it too

    • @soloflick6579
      @soloflick6579 23 วันที่ผ่านมา +1

      No.wrong. car is a very utility product.

    • @religionofpeace782
      @religionofpeace782 7 วันที่ผ่านมา

      ​Car is the biggest liability. Its never an asset.​@@soloflick6579

    • @sathyanarayana887
      @sathyanarayana887 5 วันที่ผ่านมา

      ​@@soloflick6579true if it used for tourists for hire😂

  • @manhoosnick
    @manhoosnick 4 หลายเดือนก่อน +89

    Here in France there is a rule that you can't borrow more than 33% of your salary, it was done to protect consumers. Issi waja se yahan pe no flashy cars and people dont go too much in debt.

    • @vrajparmar6085
      @vrajparmar6085 หลายเดือนก่อน +1

      But it's kind of an authority, the peope should decide their financial planning

    • @yuvrajsingh099
      @yuvrajsingh099 หลายเดือนก่อน +5

      ​@@vrajparmar6085But people are retarted in sense they are not able to do it , hence government control it from them.
      There should some very definite rules to give some leavey for very important expenditure.

    • @vrajparmar6085
      @vrajparmar6085 หลายเดือนก่อน +1

      @@yuvrajsingh099 yes that's true.

    • @msdadsfsx
      @msdadsfsx หลายเดือนก่อน +2

      i m french, what u r saying i m first time hearing.. u from bihar or france?

    • @ssheikh3598
      @ssheikh3598 23 วันที่ผ่านมา

      ​@@msdadsfsx
      Do people of France eat Cow Meat ?

  • @pudgehook5193
    @pudgehook5193 4 หลายเดือนก่อน +99

    I called this chapri trend 😂😂😂

    • @lifeofmukund9770
      @lifeofmukund9770 หลายเดือนก่อน +12

      And you being one among them 😂😅

  • @chetanyadav
    @chetanyadav 4 หลายเดือนก่อน +152

    Agree on benefits of 2nd hand car. However, one more point to consider is ever since the companies have entered this unorganized 2nd hand market, the prices of 2nd hand cars have substantially gone up. I had been looking at these websites to find a decent 2nd hand car however, I have found the difference in 2nd hand car vs 1st hand car isn't what used to be a few years ago. These companies have started taking huge profit margin as brokers.

    • @chinmaysawant9275
      @chinmaysawant9275 4 หลายเดือนก่อน +2

      True

    • @rn6355
      @rn6355 4 หลายเดือนก่อน +8

      same i was getting second-hand car in good condition for around 7,8 lakhs so thought why not to spend 2,3 more and get a new one .. at least peace of mind to Rhega and new cheez ki feel hi alag hoti

    • @Thepatriot8356
      @Thepatriot8356 4 หลายเดือนก่อน +3

      अपुन के पास घर नही पर महँगी गाड़ी है किश्त पे

    • @Thepatriot8356
      @Thepatriot8356 4 หลายเดือนก่อน +1

      अपुन के पास घर नही पर महँगी गाड़ी है किश्त पे

    • @Happiness.789
      @Happiness.789 4 หลายเดือนก่อน +2

      Always buy from someone you know or individual.

  • @zunaidshaikh6193
    @zunaidshaikh6193 4 หลายเดือนก่อน +60

    Very true video by Aditya saini. This is reality in today's world. I have seen many SUVs in my area. Mostly People bought because of Social Status (Instagram), when actually they don't need it. People who are middle class and working in corporate offices want to show the world that they are rich and wealthy,in reality they are not.

  • @tulungbrahma5914
    @tulungbrahma5914 4 หลายเดือนก่อน +65

    In my opinion, instead of so called premium feature (electronic seat adjustments, premium sound system, sunroof etc) car manufacturer should focus on providing features like ADAS and 6 Airbags even in base varients

    • @parthrajpal3574
      @parthrajpal3574 4 หลายเดือนก่อน +3

      Yes and awd or 4wd will help

    • @Hirak_JT
      @Hirak_JT 4 หลายเดือนก่อน +2

      ​@@parthrajpal3574 awd, 4wd will reduce milege

    • @radarroi27
      @radarroi27 4 หลายเดือนก่อน

      ​@@parthrajpal3574 awd is useless for 99.99% people. . . U don't need awd to go over a speed bump. . .

    • @chars_78
      @chars_78 3 หลายเดือนก่อน +2

      Adas is a useless feature in India

    • @nityajungade5314
      @nityajungade5314 2 หลายเดือนก่อน +2

      @@parthrajpal3574 bro ye sab dikhawa hai 4wd... 0.01 % cases hote honge jisme log off roading ke liye lete honge

  • @sanketkaria2975
    @sanketkaria2975 4 หลายเดือนก่อน +16

    My age is 39 and buying a used car is always what i preffered since i am driving and from past 15 years i am opting only second hand cars... ur video made feeling proud on my choices and decisions which i took thanks.... my current car is altis 2010 model petrol and my next car is audi a4 2013.diesel.....

    • @luhityaborah9735
      @luhityaborah9735 4 หลายเดือนก่อน +2

      You are thinking of buying a 10 years old german car?? Think again bro

    • @MrHannan-jq1dh
      @MrHannan-jq1dh หลายเดือนก่อน

      German cars are still better and always look different in any battle! ​@@luhityaborah9735

    • @INDIA_2024.6
      @INDIA_2024.6 8 วันที่ผ่านมา

      Wow

  • @rk-vy4wo
    @rk-vy4wo หลายเดือนก่อน +2

    All the memories me and my family made with our cars are priceless,no amout of depritiable asset crap can make me regret purchasing cars.

  • @ishannkumar6271
    @ishannkumar6271 2 หลายเดือนก่อน +7

    Back in 2019 when we decided to purchase a 4-Wheller, we had enough budget to buy a sedan but we prefer not to take loan instead bought small hatchback Santro that never Disappoints us❤

  • @normalviewerbhai
    @normalviewerbhai 4 หลายเดือนก่อน +12

    Thank you for guiding us❤.. in this world where all my cousins own a car I get desperate and think of buying a compact SUV at the end of the day. This video opened my eyes thank you so much

  • @_ushaSingh_
    @_ushaSingh_ 4 หลายเดือนก่อน +11

    This is so true. My dad bought a kuv 100 3 years ago at 2,21,000 and after 3 years he sold the same for 1,80,000

    • @Michael-px3fz
      @Michael-px3fz 2 หลายเดือนก่อน +1

      😂 Businesssss

  • @pramitkarmakar9245
    @pramitkarmakar9245 4 หลายเดือนก่อน +63

    Moral of the story - Be a businessman or a politician to live your dream life!

    • @lovelymukherjee8563
      @lovelymukherjee8563 2 หลายเดือนก่อน +2

      Sahi bola Bhai inke hisab se sab Ambani banke hi ek nayi gadi kharid skte hai 😂

    • @pratyush3691
      @pratyush3691 2 หลายเดือนก่อน

      @@lovelymukherjee8563 dp dekh ke mai to seriously nhi le skta bhai ko.

  • @bhanupratapsinghbais
    @bhanupratapsinghbais 4 หลายเดือนก่อน +18

    Bahut achhe subject par vedio banai bhai..
    I'm financially very stable upper middle class person with income of 20+ lakhs per annum
    But I drive 2010 Non AC sentro Xing Car & I'm happy with it.
    Car is for my necessity not for my luxury.

    • @shobhitsaini86
      @shobhitsaini86 4 หลายเดือนก่อน +5

      kejriwal ki yaad aa gayi

    • @bhanupratapsinghbais
      @bhanupratapsinghbais 4 หลายเดือนก่อน +1

      ​@@shobhitsaini86😂😂😂

    • @sumitech4663
      @sumitech4663 3 หลายเดือนก่อน

      ​@@shobhitsaini86bhai upgrade karlo tata ka Nixon lile

    • @LtMewS
      @LtMewS 25 วันที่ผ่านมา +1

      garmi mai bohut acha necessity de rha hoga bhai ac to le lo at least

    • @minhazsikder8585
      @minhazsikder8585 11 วันที่ผ่านมา

      20+ lakhs anum wale upper middle class kab se ban gaya?

  • @YourFather8088
    @YourFather8088 4 หลายเดือนก่อน +35

    Aditya, don’t be discourage becoz your video do not have more likes than any other TH-camr. Your content is far better than other TH-camr. Your content will speak about your future. Keep it up👍🏻

  • @jayuxdesignerrr
    @jayuxdesignerrr 4 หลายเดือนก่อน +7

    Best part about this video is that. It does not contain any sponsored from anyone.

  • @adnanhussain9276
    @adnanhussain9276 4 หลายเดือนก่อน +20

    Exactly 200% true Car is liabilities (depreciation product).
    I purchased Alcazar 6-month ago on full cash
    Then behind my neighbour purchase Suv 500 last month on bank loan .🤭🤭

    • @shobhitsaini86
      @shobhitsaini86 4 หลายเดือนก่อน +4

      wow Alcazar on full cash.. even i had more then full cash when i bought skoda slavia.. but i did downpayment of around 5 lakhs(actually 4.5) 50 k was after buying car on associries.. and now i think i should have gone for full loan as i took money from my stock porfolio.. and the shares i sold are up by upto 70% now.. the total interest i pay on car loan per year is less then the money i lost in deinvesting 5 lakhs.. 2024 would be a blockbuster for stock market if modi wins again and stocks can go up by 50%..

    • @adnanhussain9276
      @adnanhussain9276 หลายเดือนก่อน

      @@shobhitsaini86 yar Modi Govt. Toh win hai. Stocks ka dip. June last. Week. Mein dekha jaayega. So it's.perfect time to buy, Railway, infra, banking. Shares. After July. Budged yehi. Share good performed karengey. Suzlon, Salasar, cg, power, adani ke shares pe accha paisa. Kamaya. Ke car ke alawa, ek chota ghar bhi free hogaya.

    • @shobhitsaini86
      @shobhitsaini86 หลายเดือนก่อน

      @@adnanhussain9276 well for market uptrend and downtrend we have to watch.. for that for Sensex candle stick pattern and market analysis is required.. but sometimes even if market goes down then some shares can go up.. so also have to see patterns for upward trends.. also for all stocks bought just see daily or weekly news for them so if some tragedy happens you can sell share on time. Rest if fundamentals are strong the stock should go up every year.

  • @SM_SONGS_2023
    @SM_SONGS_2023 4 หลายเดือนก่อน +4

    I watched full video with a cycle..😂 even I don't have bike, so four wheeler is out of dream..😅. I use train and bus for travelling and I am happy with it 😊

  • @vlexical
    @vlexical 4 หลายเดือนก่อน +147

    Today: How do cars make you poor?
    Next: How do houses make you poor?
    After: How do marriages make you poor?
    Later: How does everything make you poor?
    People need to understand that everything cannot be seen as an asset or liability and people who make this video have their own house/car, are happily married and settled then why are these people in the horde to influence others?

    • @naveenrreddy2008
      @naveenrreddy2008 4 หลายเดือนก่อน +44

      He is just saying that you don't stretch your legs beyond your bedding. I.e. not to live beyond your means. He didn't say don't buy car

    • @vlexical
      @vlexical 4 หลายเดือนก่อน +8

      @@naveenrreddy2008 Your point makes sense but I am social animal and I want to get married. So cars and house are important to me.

    • @eren-qu9uu
      @eren-qu9uu 4 หลายเดือนก่อน +9

      He is saying loan is not good option for depreciating thing

    • @satyamlodhii
      @satyamlodhii 4 หลายเดือนก่อน +2

      Ye baat sirf corporate employees ke liye sahi hoti hai 😂

    • @varnitbohra9638
      @varnitbohra9638 4 หลายเดือนก่อน +11

      ​@@vlexicalyou are that emotional person that he is talking about in the end 😂

  • @akshaybro12591
    @akshaybro12591 4 หลายเดือนก่อน +50

    His last words, in the video really touched me inside "EMOTIONS"... & I was also planning to buy a new compact Suv literally😂😂 and these things I too observed the same...🔥🔥🔥Good work brother, keep it up,❤ LOVE FROM NAGPUR

    • @shobhitsaini86
      @shobhitsaini86 4 หลายเดือนก่อน

      thing is that it won't stop you still in getting a car.. my advice is make a stock portfolio or something.. and make a goal the day i will have 10 lakhs in my stock portfolio i will book a car i want to buy.. then go for it.. otherwise everyday you will see others driving the car and you will say to yourself i stopped because it's bad investment.. but i should go for it as i can enjoy it being young and would book it.. but if you make a goal then you will say.. i have stopped till i fix my finances first.. and then give myself a car as gift.. also a stock portfiolio returns are like 25% per annuam or more depending on experience .. so if you get a loan to buy a car you won't feel bad at all..

    • @akshaybro12591
      @akshaybro12591 4 หลายเดือนก่อน

      Yes bro, I will buy no doubt, but firstly freshers dont invest directly in stocks, we should have deep analysis of market. For normal man its not an easy thing in investing stock market, as per current condition, my suggestion to all is, start investing in mutual funds, start analysing things in stock market 📈 and buying a car is not hard but as per said in the video if we have 20 25 lacs in accnt we have saved and we r investing 8 to 9 lacs in suvs its a good thing.. But we hv 7 lacs in accnt and we have family besides there is no use for a common man. It would be better option investing a money and time in on ourselves and have savings in a pocket neither being a show off for a SUV. As per the current condition going on in politics working, gaining knowledge and developing ourselves is important... And following proper youtubers is very important.

    • @shobhitsaini86
      @shobhitsaini86 4 หลายเดือนก่อน

      @@akshaybro12591 welll investing in stock market is like learning to drive a car.. you are saying .. you are not ready to ride a car.. so you would see videos.. read riding lessons .. will read about articles on how to drive a car.. without even trying to drive it.. well to get into the stock market is same.. in order to learn driving you sit with some driver and try to drive yourself.. then only you will learn to drive.. otherwise even if you invest later in market with big money.. you will make big losses and quit the market.. trick is to invest when you have less money.. a friend of mine came from usa and he collected Rs 50 lakhs to invest in stock market.. i tried guiding him but he was so confident about his learning that he invested the money.. now after 2 years his money is reduced to around Rs 20 lakhs and he has quit the market.. so start with low income so you can make good money in stock market.. not when you have enough money to lose in the market..

    • @shobhitsaini86
      @shobhitsaini86 4 หลายเดือนก่อน

      @@akshaybro12591 well i think my comment got deleted .. and why not truth hurts.. well what is said in this video is a safe path.. no one learns stock market without making a loss.. so whatever you learn.. whateven experience you have got.. in market when the bad times comes.. emotions control the people and they make losses.. you should have goals in your life.. and goal for everything.. yearly.. monthly.. quaterly.. and stocks work on goals only.. there is a profit target and loss target.. so if stock is not working according to you .. sell off.. stock has made target profit.. sell off too .. but seeing the chart.. otherwise it can go more up.. how to know that experience in investing.. and why this not work is people just invest in 3-4 stocks at a time.. so if 1 stock fails selling it will be huge loss.. but if someone invests in 20 companies with good future then 2-3 can fail and losses are not huge.. and as a fresher don't invest in apple produts till say next 5 years.. many freshers keep telling me i have no money to invest in market and family issues.. and own an iphone pro max,ipad pro and macbook.. even regular iphone is expensive..

  • @Sanjaysahu1s
    @Sanjaysahu1s 4 หลายเดือนก่อน +9

    BGM is irritating (chng kr lo) and volume bhi jada h

    • @mafera467
      @mafera467 2 หลายเดือนก่อน +1

      It's just u bruh

  • @user-qr3yz7qo6w
    @user-qr3yz7qo6w 4 หลายเดือนก่อน +9

    Not just buying a car is expensive but maintaining the same is more expensive also it will bring more expense such as unnecessary traveling fuel cost

  • @utkarsh466
    @utkarsh466 4 หลายเดือนก่อน +23

    Our ambition should have to become rich not to look rich 😏

  • @killergamerid
    @killergamerid 4 หลายเดือนก่อน +10

    Thank You 🔥
    Now don't need expensive things just focus on krishna
    Hare Krishna 🙏🙏

  • @PrajwalRtd
    @PrajwalRtd 4 หลายเดือนก่อน +28

    To anybody reading this, I pray that whatever is hurting you or whatever you are constantly stressing about gets better in 2024

  • @bishuofficial2954
    @bishuofficial2954 4 หลายเดือนก่อน +8

    Aditiya saini is a best researcher .love from Nepal .

  • @siddharthjuneja1113
    @siddharthjuneja1113 4 หลายเดือนก่อน +15

    I was planning to buy a car on EMI by taking loan from bank. But now, after watching your video my mood is very upset.😢

    • @aktionreinhard8913
      @aktionreinhard8913 หลายเดือนก่อน +1

      Bro follow ur dreams buy what u have always wanted, u only live once...listen to ur heart not some other's opinion.

    • @lets_see_777
      @lets_see_777 3 วันที่ผ่านมา

      if you dont have family responsibilities then go for a car equal to your 1 year salary max or less

  • @wangxi9823
    @wangxi9823 4 หลายเดือนก่อน +63

    May this honesty and fact based storytelling stay with you always. Very few people have the guts to say this.

  • @srs.shashank
    @srs.shashank 4 หลายเดือนก่อน +10

    good effort and good intentions, however there were some flaws in content research: 1. The average person is buying a more expensive car in 2022 vs 2021 is also due to increase in production cost and as Govt. safety norms have become more strict now hence more safety features hence higher starting price. 2. demand for compact SUVs not related to Covid (

  • @Astro_neon
    @Astro_neon 4 หลายเดือนก่อน +7

    18:45 😂😂 Automatic ko bhaiya ne Aotumatic bna dia 👍🏻👍🏻🫰🏻🫰🏻 salute to editor😂

    • @ArunDhyani
      @ArunDhyani 4 หลายเดือนก่อน

      Salute to tujhe karna chaiye to itna khush ho raha h ye chutiyapa karke. Life me khud kuch na kiya ho par dusro ki gaand me ungli deni nahi chodi tune.

  • @miftekharabir4938
    @miftekharabir4938 22 ชั่วโมงที่ผ่านมา

    That's why I always buy things on Cash, also I check how much money I'll be left with after purchasing something. I learned this from my Dad.

  • @umeshguledgudda947
    @umeshguledgudda947 4 หลายเดือนก่อน +12

    Well that's also becoz of Covid19 people wanted private vehicles and state transport was a nightmare also car loan interest rate went down to about 7% so everyone started buying cars

  • @washimkhan4602
    @washimkhan4602 4 หลายเดือนก่อน +4

    Bhai me internet ka dhanyawad deta hu ki mere pass itne sare log h sahi information Dene ke liyh

  • @tenzinglompoc7454
    @tenzinglompoc7454 หลายเดือนก่อน +2

    Majority of Indians will always live a false life! Very good video! Your efforts and explanation are commendable! Good work bro! Lots of luck and blessings to you!

  • @sailubora005
    @sailubora005 3 หลายเดือนก่อน +1

    I liked the way you've discussed this topic because today's youth are more concern about their status more than the investing in the assets....
    But we have to accept one more thing that If today we have a good power to purchase anything, it is better to use it wisely...

  • @richasingh7767
    @richasingh7767 4 หลายเดือนก่อน +3

    So true. People should understand the difference between needs and desires

  • @jakelong2803
    @jakelong2803 4 หลายเดือนก่อน +6

    1 year ago I bought a 2nd hand hatchback for long trips and city ride totally without any fancy features. Works out for me..
    It has good mileage.

  • @The-Celestial
    @The-Celestial 4 หลายเดือนก่อน +6

    This video was hit in the nail! A much needed in this current scenario. Great content Aditya 👏

  • @unknown-us5vs
    @unknown-us5vs หลายเดือนก่อน +1

    Loan is not a bad thing for the Business owners and who pay hefty taxes !! Yes for Salaried people its BAD until ur finance is good

  • @purushottamparakh5165
    @purushottamparakh5165 4 หลายเดือนก่อน +3

    Well, sunroof gives an amazing experience and view to the people in second row.. if you are visiting a place with hills .. it’s feels good

  • @lemongaming8735
    @lemongaming8735 4 หลายเดือนก่อน +4

    Buy anything if you can buy it 4 times...... apply this theory to your life❤❤❤

  • @yourboiivan
    @yourboiivan 4 หลายเดือนก่อน +4

    This new and mature editing style is really better than the fast tiktokified editing style you were experimenting with early, good work as always ❤

  • @skabdulazim4952
    @skabdulazim4952 4 หลายเดือนก่อน +11

    You are a milestone in this TH-cam community ❤❤❤❤

  • @remruat408
    @remruat408 2 หลายเดือนก่อน +2

    Best advice I've given to my dad was to buy land instead of car with his pension money.

    • @Anshuman_M
      @Anshuman_M 2 หลายเดือนก่อน

      I agree, car is a depreciating asset whereas land is a scarce/limited one whose value can't deplete. You'll get good returns on land in future.

  • @chinmaysawant9275
    @chinmaysawant9275 4 หลายเดือนก่อน +9

    Here are few things that need to be checked.
    1. New car loan is 8% not 10% . Second hand car loan is 14% not 12%.
    2. New cars come with lot better active and passive safety features.
    3. Given condition of Indian public transport in most of metros and non metros cars provide much safe and time saving options.
    4. You can still car pool with your friends and office colleagues to save running cost.
    5. In worst case scenario you can still sell of the cars easily, yes you would have lose but in return you would have lots of memories.

    • @shobhitsaini86
      @shobhitsaini86 4 หลายเดือนก่อน

      well new car loan is 8% if your cibil score is perfect.. if you have credit card debt or a home loan or personal loan they increase the interest rate from 10-12% too.. i got for 9.6% because i have a home loan and my company has less then 10000 employees.. and second hand car loan can go upto 16% on poor cibil score(credit card debt)

    • @ApradhTube
      @ApradhTube 4 หลายเดือนก่อน +1

      My cibil is 800 but car loan is 10% now

    • @shobhitsaini86
      @shobhitsaini86 4 หลายเดือนก่อน

      @@ApradhTube well if you don't work in tier 1 companies then interest get increased by 1% and cibil should be around 850 or more for getting extra 1% less

    • @chinmaysawant9275
      @chinmaysawant9275 4 หลายเดือนก่อน

      @@shobhitsaini86 It also depends on upon your monthly income and amount of loan out of it. If the retail price of the car is less than your annual income, you are charged less interest. Also you have to negotiate during financial. I got mine at 8.5% with 30% loan. The sole reason to get on emi was to divide expenses, paying nominal interest.

    • @shobhitsaini86
      @shobhitsaini86 4 หลายเดือนก่อน

      @@chinmaysawant9275 well i got 0.5% more interest because i had citibank credit card .. that should have been closed like 3 years ago.. only Rs 100 was left but they started giving bills.. and left india so they have just one branch in ncr.. now i contacted call center and they say.. that i should get a checkbook... go to their branch in ncr and deposit checque with exact amount then it will be closed.. as my credit card number is expired from their db.. i didn't take the new credit card so i can't pay on that number.. now amount is Rs 1350 in so many months.. i went to their branch with cheque but that day was restricted holiday and the person responsible was not present,., my Rs 400 petrol and 3 hours time got wasted..

  • @Psychoabdul
    @Psychoabdul 4 หลายเดือนก่อน +9

    This is not just about cars 🗿😉

  • @SumitKshatriyaa
    @SumitKshatriyaa 3 หลายเดือนก่อน +2

    Bg music zada aa rha h

  • @hrithikbhatia
    @hrithikbhatia 19 วันที่ผ่านมา

    I agree! We had gone to buy a car for 8-9 lacs (i20) without any loan but the salesman told us our credit is so good & we should take Little bit of extra loan & go with venue & finally they convinced us to buy verna

  • @raghavendraspoojary7074
    @raghavendraspoojary7074 8 วันที่ผ่านมา

    I bought a old car but in good condition… no loan … just equivalent to 2 month take home salary. It’s not hifi but reliable for next 4-5 yrs 🎉

  • @siddharthabaroliya7327
    @siddharthabaroliya7327 4 หลายเดือนก่อน +3

    Thank you for telling the truth car 🚗 I'm planning to owning a car but for now I'm changing my mind for next time thanks 👍
    You

  • @successwinner009
    @successwinner009 3 หลายเดือนก่อน +1

    Agreed I bought a mid variant of Nexon and saved around 3 lakh rupees.😊

  • @aniketprasad1170
    @aniketprasad1170 4 หลายเดือนก่อน +3

    Well define Aditya bhai our generation is following this mindset. ❤

  • @MikeyGenZ
    @MikeyGenZ 4 หลายเดือนก่อน +5

    Now a days peoples be like : after buying car on EMI they think Moti chain mota Paisa dikhado koi mhare jaisa😂😂😂

  • @abhidityasingh9444
    @abhidityasingh9444 4 หลายเดือนก่อน +16

    Car could be a good investment if you have the financial capability and a very large need for a private vehicle.

  • @hindcondelhi
    @hindcondelhi 9 วันที่ผ่านมา

    आपने वीडियो में बैकग्राउंड म्यूजिक भर कर एक अच्छी खासी जानकारी देने वाली वीडियो की वाट लगा दी You murdered the knowledgeable video

  • @dutchvoyager
    @dutchvoyager 5 วันที่ผ่านมา

    You talk about depreciation of new car. But we can also consider that as cost of enjoyment. Ram got the chance to enjoy a new car.

  • @kanishksharmavlogs9975
    @kanishksharmavlogs9975 4 หลายเดือนก่อน +10

    I genuinely felt personally attacked 😂

  • @AshishYaDav-oy4vc
    @AshishYaDav-oy4vc 4 หลายเดือนก่อน +2

    I m rich I can afford rang rover easily but I followed you that's why I have Activa since 2015 😊

    • @AshishYaDav-oy4vc
      @AshishYaDav-oy4vc 4 หลายเดือนก่อน

      @@googleeeinc7942 good decision

  • @GyanPrakash
    @GyanPrakash 3 หลายเดือนก่อน +1

    Indians ko ek cheez bahut pasand hai, Show off karna. That's why people buy Luxury Stuff, like Cars, iPhones etc.

    • @rohanvajaratkar4713
      @rohanvajaratkar4713 3 หลายเดือนก่อน +2

      Lekin agar log khud ke paiso se khareed rahe ho to( chahe wo loan pe hi na kyu n ho ) show off karne mein problem kya hai 🤔

  • @OS_2023
    @OS_2023 9 วันที่ผ่านมา

    Want to buy a car not to show my neighbours that i achieved something but for personal experience and joy.
    Yeah that i agree, car should be under limit.

  • @SoloBelief
    @SoloBelief 4 หลายเดือนก่อน +3

    Moral Of the Story: Work Hard and buy your Dream car on Cash. Nothing else

  • @amanahmed6057
    @amanahmed6057 4 หลายเดือนก่อน +1

    my parents bought car after after the age of 50, my brother and i both are having jobs .
    So I can say that buy the car when it is a need not when it is a want.

  • @uhanisinghrajput
    @uhanisinghrajput 4 หลายเดือนก่อน +3

    Back ground voice bohot tez hai jo bilkul sahi nhi hai please

  • @raghavendraspoojary7074
    @raghavendraspoojary7074 2 หลายเดือนก่อน +1

    Sunroof wala toh alag hi siyapa chal raha ….
    Bina sunroof wala higher end gaadi aaj kal bahut kam hain

  • @iam.mystic
    @iam.mystic 4 หลายเดือนก่อน +10

    We had an option of buying a car or home. My little brother wanted a car but my father bought a flat instead. One year later the price increased by 6 lakhs.
    Earlier I thought it was a bad decision because my 12th just ended and needed fees for college, but everything seems worth now.
    We could have built a home on our land but currently there's just 2-3 house and few farmhouse nearby

  • @nomeshsahu4698
    @nomeshsahu4698 4 หลายเดือนก่อน +2

    Sahi bol rha h bhai sunday ko ghumte h baki gaddi khaddi rhti hai😢
    But 2nd hand cash me liya to financial dikkat ni hua yahi agar new gaddi loan pe liya hota to L lag jaate😅

  • @surajpatil6924
    @surajpatil6924 4 หลายเดือนก่อน +2

    But Cars are pure emotion.
    A lifestyle representing thing.
    Even when you buy a home worth 10 crores ; no one will be having the time to actually come and see your house. But an automobile is a completely different thing which goes with you wherever you go.

    • @ABCD-verse
      @ABCD-verse 4 หลายเดือนก่อน

      In our city 2,3 floored houses costs around 1 -1.5 cr .if one can buy a house worth .1.2 cr Ave, and it's 3 floored with a shop I front it can generate 60 k rent per month , means 7 lak per year and the value of thr property will also increase and rent generating from it being extra one can easily buy a car after some years even after completing the loan.
      As most middle class people can buy such houses only after saving hard earned money for several years or if they gave enough ancestral properties.
      And those who buy car for luxurious lifestyle are already much above the middle class range

    • @surajpatil6924
      @surajpatil6924 4 หลายเดือนก่อน

      @@ABCD-verse Merely buying property, construction is also not that simple these days. Regular maintenance headaches are also a lot. Quality of construction materials is also not what it used to be decades ago.

  • @mayurgautam2900
    @mayurgautam2900 4 หลายเดือนก่อน +3

    The case study you explained is very informative

  • @sonupari7378
    @sonupari7378 8 วันที่ผ่านมา

    True... They think it's, a status symbol. I never find it's a necessity

  • @saurabhdixit8743
    @saurabhdixit8743 2 หลายเดือนก่อน +1

    The background music is not loud enough.... Abhi bhi thodi thodi narrator ki awaz aa rhi hai

  • @RajaClasses
    @RajaClasses 4 หลายเดือนก่อน +36

    Who will always support Aditya Shaini rise there hands....🤚🤚🤚

    • @scoutop8966
      @scoutop8966 4 หลายเดือนก่อน +1

      Teri maa ka support chaiye 69 position karne

    • @mganshul
      @mganshul 4 หลายเดือนก่อน +1

      Tujhe kuch or bhi kaam hai yaa nahi

    • @mganshul
      @mganshul 4 หลายเดือนก่อน

      Koi itna faltu kese ho skta hai bc

    • @vishaldeshmukh3021
      @vishaldeshmukh3021 4 หลายเดือนก่อน

      ​@@mganshul😂😂

    • @pradeepkumar-yn6ut
      @pradeepkumar-yn6ut 4 หลายเดือนก่อน

      School dng se kiya hota to rise or raise me frk pta hota ..... Murkh

  • @gymnasium8670
    @gymnasium8670 23 วันที่ผ่านมา

    Ryt maine bhiniss month car lene ki soch rha gha pr rate sun kr aur emi ke bare main soch kr maine socha ki waut kr leta hu 2 saal aur cash pr hi lena sahi rahe gaa kam se kam emi ki tns toh nhi ho gyii isliye main 2 saal aur wait kr rha hu
    Logo ko bhi yeh advice dena chachta hu ki emi pr car na lee second hand lelo aise bhi 2 saal bad car chance krne ka mann kre gaa toh emi ke chakkar main mt fasna bhut interest dena padta haii.

  • @anandkamat6701
    @anandkamat6701 9 วันที่ผ่านมา

    ❤ good shot for me this video, thank you so much 🙏 good bless you 🙏

  • @defencexammaster
    @defencexammaster 4 หลายเดือนก่อน +1

    Aditya i really love your content bhai❤keep it up brother🎉much love

  • @apurba_medhi
    @apurba_medhi 2 หลายเดือนก่อน

    The main reason why people are buying less house because take a house loan is way more harder than take a car loan.

  • @anshneniwal7724
    @anshneniwal7724 หลายเดือนก่อน +1

    Isse ye pta chalta h house is 1st priority ❤

  • @purushottamparakh5165
    @purushottamparakh5165 4 หลายเดือนก่อน +1

    Another aspect of: the cost of car is getting increased day by day.. xuv700 is now 2-4 lacs costilier… also second hand car has got less resale value as well as extra money on maintenance.. ok you save on insurance..

  • @Sujal-More
    @Sujal-More 4 หลายเดือนก่อน

    Thanks A Million. Great Video made. I got Great Knowledge and it will help me.

  • @aaryanmaya3862
    @aaryanmaya3862 29 วันที่ผ่านมา

    Sunroof is not for opening it and enjoy it is actually for more airy feeling it feels better

  • @MrHashisz
    @MrHashisz 4 หลายเดือนก่อน +3

    Average from 2021 to 2023 of 4.5 lakhs to 6 lakhs is also due to car prices increasing, you won't even get a proper alto in 4.5l nowadays

    • @rivz99
      @rivz99 4 หลายเดือนก่อน

      It includes 2nd also

  • @thesocial2785
    @thesocial2785 4 หลายเดือนก่อน +3

    Bhai maine apni ghar banai 90 lakh me ,or ghar me cycle use karrahu
    Im happy with it

  • @Itachi_Uchiha_ANBU1
    @Itachi_Uchiha_ANBU1 4 หลายเดือนก่อน

    I watched a video somewhere and that guy said that if you want to buy a car buy it. But he also said this "only buy a car if you have the money to buy the same car twice".

  • @Dontforget777
    @Dontforget777 4 หลายเดือนก่อน +4

    This is why Totoya Fortuner doesn't have Sunroof.
    Because they know this very well.
    The mileage of Fortuner is very low around 5- 6.

    • @Fekuchand_
      @Fekuchand_ 4 หลายเดือนก่อน +1

      10 देती है रे बाबा सिटी में और highway पर 12 तक, 6 कैसे देगी 😬

  • @itzmerohit
    @itzmerohit 4 หลายเดือนก่อน +1

    Bahut acha sir aese hi impact video banao latest jankari batate raho ❤

  • @palaksdarji
    @palaksdarji หลายเดือนก่อน

    Being an IT engineer in Bangalore, working in a leading American MNC, I could afford a compact SUV. In fact, I decided a year ago to purchase a new car around 7 lakhs, while checking price of SUV, entry-level price they put was around 7 lakhs, but psychology drove me to spend 10 lakhs, considering paying few more lakhs in features and road tax. See the difference, an average budget increased by 3 lakhs. Plus, financing adds more confidence that we just have to pay 25k per month. These all play a part. Finally, I bought my friend's second-hand car in the third half of the price of a new car and that without finance. 😊 I don't need to show off, I want money in my bank for added security for my family.

  • @kamalLitt81
    @kamalLitt81 4 หลายเดือนก่อน +1

    I have driven SX4 and now driving Honda city both second hand and purchasing second hand car is wise decision

  • @amlanabhinav689
    @amlanabhinav689 4 หลายเดือนก่อน

    @saini you missed the fact the showroom dealers also push buyers for top models by telling that lower models have longer wait time

  • @Dontforget777
    @Dontforget777 4 หลายเดือนก่อน +1

    By the way nice and informative video I saw on TH-cam. 20:46

  • @tanmoyroy6060
    @tanmoyroy6060 11 วันที่ผ่านมา

    What is behind the story is that
    The volume of black money and black money earner increased. So to make their money white they buy products by taking loan .
    The process is as follows:-
    First they make black money
    Then say the non taxable amount is 5 lakh P.A.
    Now one can take a loan whose repayment is yearly around 3-4 lakh . So here clears two obstacles one is not getting in the radar on IT and the other is changing black to white .
    The bigger question is how many of loan taker is defaulting. ....

  • @subasistaria930
    @subasistaria930 4 หลายเดือนก่อน +3

    EMI gives false purchasing power to any one , if took for granted .

  • @anuragtumane5227
    @anuragtumane5227 13 วันที่ผ่านมา +1

    This is what happens when cars are considered status symbols.

  • @pj_parijat
    @pj_parijat 4 หลายเดือนก่อน

    Social media ka effect jitna badega, logon ka faltu ka kharcha(show off ka kharcha) bhi utna hi badte rahega...

  • @user-qy4iu3hh3y
    @user-qy4iu3hh3y 4 หลายเดือนก่อน

    Thanks 🙏

  • @Mr_OP_1135
    @Mr_OP_1135 3 หลายเดือนก่อน

    What a video bro, so much informative ❤❤

  • @mediavirus5731
    @mediavirus5731 4 หลายเดือนก่อน +1

    0:04 sec , emi , register, tax pura paisa dene se bhi app car ka malik nahi baan sakte , kiyuki 10 - 15 year k baad bhi appke car govt. ka under h app chala nahi saktey road pe , scrap kar detey h govt . chahe kitna bhi accha condition ho car ki..

  • @WorkLiveTravel_WLT
    @WorkLiveTravel_WLT หลายเดือนก่อน

    I am 28yo. My salary is 8LPA and i hv bought a hyundai extre automatic Base variant which cost me 8.86L... considering my salary and other expenses the base variant of this car was only i could afford. I did not go for unnecessary feautures. Even my headlights are halogen and wheels are also not alloy wheels...also there is no rear camera. But i am happy with my decision...

  • @samkarn
    @samkarn 4 หลายเดือนก่อน

    Simple answer for most of problem is bicycle, it's not the nirvana solution but still most ideal solution.

  • @ashvinmehta6653
    @ashvinmehta6653 4 หลายเดือนก่อน +1

    How you found that formula ?

  • @AbhishekSapkale_06
    @AbhishekSapkale_06 4 หลายเดือนก่อน

    Bro one more point of buying a top model car is saftey because many car company do not provide good safety in lower variants like 6 airbags from base variant to one variant below the top they provide only 2 airbags and then suddenly the top variants get 6 airbags

  • @danishmulla6463
    @danishmulla6463 4 หลายเดือนก่อน

    Bhai hum car ke baare me soch rahe thee par scene kya hai ki mumbai ka traffic bakwaas hai isliye hamare paas 2 scooty hai uspe hum 4 aaram se kahi bhi jaTe hai almost 50-70 km bhi jaate hai isliye car ki zarurat nahi hai filhaal toh thanks for this video✌🏻