Hdb finance sales executive ne apko galat emi Diya hai 12 month mein kam interest jata hai or 18 month me jata q ki 12 month me loan amount Kam hai to interest bhi kam lagega na .
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
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.
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
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
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.
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.
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.
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
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.
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.
Hypothecation charge, Guarantor loan (G.L) charge, stamp duty charge, documentation charge, ye sab nahi batatay hai pehle. Aur jab finally app decide karlogay batatay hai. On road price pe kafi difference aajata hai additional ₹2000. Ye sab transparent nahi rakhte hai. Inka private loan EMI calculator app chupake sab kuch calculate kartey hai. I've noticed this in most of the showroom
I agree however it all depends on requirement. Like If you are taking for fun or trips than it is worth to take on emi than to wait. Because you will lost your precious time that you can never earn back.
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.
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.😅
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
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 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
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
According to me, the best way to finance your bike is to purchase it via your credit card and then opt for an EMI scheme and enjoy points benefit etc..
महोदय, हर बैंक अपने यहाँ अलग अलग intrest rate रखती है। उदाहरणार्थ - AU small finance Bank किसी mob. पे 14% प्रत्येक EMI पर intrest rate लेती है वही HDFC बैंक 16% , ICICI = 15.99% , इत्यादि तो सबका full payment हो जाने के बाद margine अलग अलग आएगा।
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.
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
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
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 😂
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??
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 😂😂😂😂😂
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.
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
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 .
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
Bike Giveaway Video Link : th-cam.com/video/ozrjtA2HOH0/w-d-xo.html
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
@Nillam az tips ŕŕŕr4rŕ44r4r⁴4ŕ4ŕ4rŕŕ⁴rr4ŕŕ
Mein Jald car lene wala hun thank you for information ❤
❤ From Angul, Odisha
Hdb finance sales executive ne apko galat emi Diya hai 12 month mein kam interest jata hai or 18 month me jata q ki 12 month me loan amount Kam hai to interest bhi kam lagega na .
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
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
भाई, इतनी मेहनत करने और इतनी अच्छी गहराई में जानकारी देने के लिए धन्यवाद 🙏👍💙🧡
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
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.
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 😂😅😂
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
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...
@@Vettaiyan123 still loss to bank ka hi h...
@@utkarshkumar3765 bhaijaan..Loss me Hye Tho band kardoo.. Chal kyse rahe hen..
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
Thank you so much for the information
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 😂
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
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 😅
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
Mere opinion hai mere pas agar 1 lakh 20k hai toh mai 125cc koi bike lunga, loan / emi par bike lene se accha thodi sasta bike lu. Loan is a trap.
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
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.
i am about to book Nexon on finance... thanks for reminding me of this... i had completely forgotten this point
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.
Hypothecation charge, Guarantor loan (G.L) charge, stamp duty charge, documentation charge, ye sab nahi batatay hai pehle. Aur jab finally app decide karlogay batatay hai. On road price pe kafi difference aajata hai additional ₹2000. Ye sab transparent nahi rakhte hai. Inka private loan EMI calculator app chupake sab kuch calculate kartey hai. I've noticed this in most of the showroom
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....
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
4,5 mah wait me vehicle utna mehnga nhi hoga jitna interest 25k lag jayega isliye cash me lene k koshis kro😊
@@rajanshukla7053aisa kuch nhi hota
I agree however it all depends on requirement. Like If you are taking for fun or trips than it is worth to take on emi than to wait. Because you will lost your precious time that you can never earn back.
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
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.😅
भाई आपने एकदम सही जानकारी दी पैसा और समय बचाने की ये अलग अलग बँकवाले जनता को लुटते है
One of the most informative video. Topic is very helpful for everyone. Thank you..
Beautiful video ❤
Knowledge share karne ke liye shukriya Bhai ❤
Aisi hi acchi video's bana kar share karte raho ❤
Go for bank finances not from showroom 3:59
I have recently bank finance and purchase extrem 125 r
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
बहुत अच्छी है और इस तरह की कोई बात नहीं बोलते 🙏🙏🙏👌👌👌
2nd hand ले लूँगा पर किस्तों पर कभी न लू मेरा भी अनुभव ये ही रहा है
Best thought process😊
😂😂😂😂😂
bhai kiste dikhakar tax bhi kam kar sakte hai 😂
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
Most Gracious, Most Merciful and Almighty God's Grace, Blessings and Peace be Upon YOU...!!!
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
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
Aapne is topic pe video banake laakho logo ki madad ki hai. Even mujhe ye pehli baar pata chala. Thanks a lot. 😊
Wah sir ji wah.... Aap mahan hai.... Kitna smile krke samjhya aapne.... God Bless You....
Right brother, ,,my 1st like and comment, ,thnq
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 😊
very well explained! thanks 👍🙏🙏🙏
Wow, sir. This is really very very informative. Thank you so much for sharing this. Keep doing the great work.
गाडी लेते समय बँक लोन इ एम आय की जानकारी के लिए शुक्रिया सर 🙏 💐
Thank you so much for this helpful video...❤️❤️
बहुत ही अच्छी जानकारी दी आपने। ♥️👍♥️
Many hidden charges they never tell us like processing charges,file charges etc.
इतनी अच्छी जानकारी देने के लिए धन्यबाद..... मै अभी कुछ दिनो मे गाडी लेने वाला हूँ
Bohot mehnt keya bhai apne or bohot hi deeply smjhaya, dil to kr rha k 100 like du❤😊
भाई आपने तो ❤️ जीत लिया....कितना अच्छा समझाया है आपने 👍👌
According to me, the best way to finance your bike is to purchase it via your credit card and then opt for an EMI scheme and enjoy points benefit etc..
😂
Bro are you mad 😢 ??
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
Finance me 1lakh 8k ki approx
@@gargramesh30bro agar scooty ka price 66k.ho down payment 25k.phale aur 41k bacha total kitna me padegi scooty ?
Yahi jankri mai bhi lena chahta hu kuchh upay batao please
Maine bhi apka rule follow kiya aur fayda Mila..thank you....
bahot hi badhiya sir aapne bahot achha video banaya bahot se bhole bhale logo ko lutne se bachaya mujhe thankyu so much
Thank's Bhai bohat aachi janakari diye ho💜💯
Mene 25k bhare platinq 100 cc li 2618rs ke 24 emi li 15 k interest
Bajaj finance 👍
June 2017, when I bought the Honda bike which is the story we are telling now, I also went to different showrooms and checked all the bank accounts.
Bhai.. very Informative 🙏Thank You for this content
Wow!! Diff bank has diff. Interest rate!! Ye to bhai ne nayi khoj kr dali..... waah kya dimag pya hai.....😵😵😵
Helpful video for millions thank you sir 🙏❤️
Today I got the knowledge from you ...Thank you so much for informing ❤️❤️❤️❤️..Love from Tulunad 🚩🚩🚩
Karnataka na
@@abhilashabhi873 ha s
...thats why !! Paisa hai to cash gaadi lo, festive season mei lo aur best se best deal lo. Buy in cash and sleep peacefully.
Thank you Sir. Mujhe EMI main gari kharid na hain. Apki vedio se bohot madat mila 🙏
It's informative video for new bike buyer from finance, next time we in showroom be like "next finance ka Banda bhejo"😅
Very well explained thank you so much sir.
Thank You so much for this video.
Thank You Bro Very Useful Video
Bhai.. salute aapko.. bahot accha and simple explanation tha . Plus video super useful tha.. thanks and kepe it up man❤🎉😊
महोदय, हर बैंक अपने यहाँ अलग अलग intrest rate रखती है।
उदाहरणार्थ - AU small finance Bank किसी mob. पे 14% प्रत्येक EMI पर intrest rate लेती है वही HDFC बैंक 16% , ICICI = 15.99% , इत्यादि तो सबका full payment हो जाने के बाद margine अलग अलग आएगा।
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.
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
Thanks sir for your best topic discussion 🙏🙏🙏🙏👍🏻👍🏻🎉🎉🎉🎉
Thankyou so much.
I was looking for these type of information.👍
*Bhai insurane aur RTO Registration khud se karwana kitna beneficial rahega..!*
Many many thanks sir for ur valuable information 👍🙏
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.
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😌
Great video.. you give me best knowledge ❤
Very good video for costumer information ...thankyou Bhai... ❤👍👍
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
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 😂
😂😂😂
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?
Aap ka ye jankari kitne middle class ke paise save ho jayega apki is choti si jankari ke liye sukriya
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??
Good details.👌
Thanks for sharing.
The difference is because the rate of interest from different bank's
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
Thank you very informative video 👍🏻
Thanks a lot sir for your kind information. Actually I am to purchase a bike nearly Deepawali.
Thank you for this more informative vdeo u got new subscriber 🙌🙌
Thanks a lot Sir☺️💙 You helped me For my Future Scooter Ntorq 💯
Very nicely explained 👏👏👏
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 ,
Very informative video .. ❤❤ thanks you ❤
एकदम अलग और ज्ञानवर्धक जानकारी दी है अपने ❤ धन्यवाद
सर आपने बहुत अच्छी जानकारी दी धन्यवाद
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
Go for those banks which have low interest rates
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 .
Thanks 🙏, Apne mujhe achha Salah Di hai Mai bhi EMI par scooter lene wala tha
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
Thanks for this priceless information,
very informative video Sir... 🙂🙏
Thank you so much brother😊 aap Jaise Insan bahut Kam Hai Is duniya itni khulkar baat batane ke liye again thank you so much
Solid and informative information bhai..👍