CAR LOAN FRAUDS. EXPLAINED BY EX-BANKER REGIONAL HEAD CAR LOAN !!
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- เผยแพร่เมื่อ 28 ก.ย. 2024
- Here are 5 Hidden Terms of Car Loan Finance Explained. If you follow it will save in thousands on Car Loan Finance on buying your dream car.
- ยานยนต์และพาหนะ
Haan ji sahab.welcome to my car helpline kaise h aap👍
Kessssssse hain ?????? Arey bataiye to sahi ..... Kessssssse hain ????
@@grrg474 😀😀😀thik hu brother😂😂😂
Sun ke sukun milta hai
Sir, yours is one of the most underrated channel of all motor websites. Your knowledge on car buying & selling process is amazing. Thanks for the treat 🙏
Your are wealth saver of middle class people,such a great you are❤️💛
Same thing happened with me. They tried selling me insurance to cover loan. My simple answer was you are charging interest rate for the risk you are taking to lend me money, show where on the loan document it is written that this compulsory. They had no answer as expected
True. this is the reason I avoid going to bank in person. They politely keep pestering to take some insurance product and I have to keep refusing.
Bro where was i even searching on youtube for car related stuffs.... you are doing a great job. Hats off man.
Baki sab thik hai Sirji. Yeh “khuda na khasta “ ki jagah “Bhagwan na Kare” bol lo. Kuch nahi bigdey ga
First of all thank you very much sir.
I always watch your videos as I am getting very good information from your videos.
Bro you are debunking all secrets of bank and dealers nexus ...you are doing such a great job....what a knowledge you have bro 👌
This guy is great.. Very passionate about his work, very thorough.
Many middle claass people like me are alive today because of good people like you sir ..thank you so much
Great info shared as always and this is the reason I look forward to watching such videos from you. Brilliant stuff!!
Kiwe a tarn taran waleya
@@lovejitsingh552 not Taran Taran walaya .. Chandigarh walaya sounds better!!
Excellent information explained in very simplified way. Thanks a lot Sir. 😊🙏
Sab private bank me aisa hi hota he ... as a banker and they also hide the real interest rate just saying that reducing rate of interest ... rate remain same but amount will vary gradually
Even in government banks like SBI are doing it.... Koi bhi dudh ka dhula hua nahin hain
@@rahuldey7408 Govt. Banks doe not has any hidden term and conditions.
@@rahuldey7408 no... There is a difference. Govt banks have daily reducing rate and pvt banks have monthly reducing rate. And why i know this is bcoz i work in a bank
Salute u dear, u r one of the most valuable and informative person
Sir apke videos bahot informative hai but technical terms and explanation agar aaap hindi me kare to easily mind me fit ho jata hai
Always go with a local bank for a loan. National banks will charge so many penalties and charges
Sir my bank manger (PNB)charged me 15k for this he said that it is mandatory what action can i take regarding to this
I already fell for loan insurance 😓 paid 8.5k for it, consultant said it's mandatory!
If anything happens to you the insurance will cover your loan. It is a good thing actually
Insurance k baare me achi tarah bataiye
IN series vehicle registration kab ayega sir???
Bhai tum dialogue dena start kero movies me ….weight in your voice …very nice
Sir, Pvt banks provide facilities to wealthy people only. Poor people or common person cannot afford their facilities. One example of me, I took personal loan from icici bank in 2019 for four years term and now when I told bank to close it then icici told me to pay 5.90% interest penalty if I close it now. But you take any laon from any govt banks they didn't charge anything if you want to close prior to mature period.
Where is the RBI guidelines prohibiting bank from doing non financial businesses ? Can't find it.....please share ....
Sir,
Superb explanation..
Loan me sahi me aisehi chooo banate hai..
Commercial Ertiga loan interest rate jyada hai toh hum private Car loan lekar fir car ko commercial kar sakte hai kya? Is it beneficial.
sir aap apne legendary glasses ki powers se sari cars 4m se lambi kar k tax system hila do.
Sir,
Please make video on check list while taking delivery of new car..
Sir used car loan ka process aur rate k upar ek video banaiye... Plz.
Mere bhai advance emi jo hai wo bank ko de do to dealer ko bank pura 5 lac disbusment karega.
when is a good time to for close 🤨
In personal loan, SBI also booked advance emi.I gone through it.
Dada, Naya e auto lena hai, jiska ex showroom cost hai 359000/-, 2,00,000/- down payment se, private Finance se leta hu to lakbak 45k ki ass pass extra Dena pare ga, jo muje nahi Dena hai, ab mai baki k 1.5Lk ki liye bank se loan ya phir fainance lena sahi reh ga..
Superb ..very helpful tips and knowledge Sharing. Great work.
Sir your briefing highly appreciated. Trusted
Sir service center me agar honda bike ke SERVICING karaye to kya compulsory he ki waha se engine oil kharide
thanks sir for perfct Advs
Sir insurance k bare me btaoo....konsa cover or addon lena chahiye, konsa nhi. 🙏
Fantastic information. Really helpful for car buyers. 👍🏼
I think it’s high time that you should start your app also
Very useful and practical information
Advance emi is the same with medical loans
Sir meri car ki front door damage ho gayi thi....aur mana Maruti ki body shop ma gaddi lagai... service advisor na bola ki apki gaddi ki front door change hogi ..lakin jab meri car repair ho gayi...mana ghar ma dyan diya ki bodyshop walo na meri gadi ki window ko repair kiya ha ..na ki window change ki ...lakin muja ja kah raha ha apki window change ki ha ...
Ab btao ma kya karoon
So valuable content..❤️
Hatsoff so genuine sir ji
Plz explain more about flat rate
Great work More power to you brother 👍
Very informative video
goggle wale bhai saab...awesome video as always
Sir. Will you please put subtitles going forward.
Sir car loan ko kuch time ke liye hold pe rakha ja sakta hai kya plz batIye
Excellent Sir. Thanks
Please review Datsun redigo amt
Great information
Very worthy advise
If I foreclose my vehicle loan, would it impact my credit score adversely?
Never .
Is car loan interest floating ? Will it increase in future?
Sir meri monthly running approx 500 km hai, mainly city me hi chalani hai. Long term use ke liye hatchback Car leni hai. Petrol ya CNG me confuse hu. Pls suggest konse fuel option me leni chahiye or konsi car best rahegi. Budget Approx 7-8 lac.
Did you buy any car brother?
@@kaberigomes2117 not yet..
Confused between aura and amaze
12 months ke baad hi loan fore close kar sakte hai, in 12 months they deduct maximum interest 😂
No, there is no preclosure and part payment charges in bank of maharashtra.
@@chuddakad but we cannot preclose before 12 months right??
@@indiansimracer2448 in bank of maharashtra you can close just next day aftr taking the loan, without any extra charges.
@@chuddakad same case with bank of baroda too. You can close on next day without any additional charges
@@Budget_Asian_family_traveller ok
Sir, I have taken a car loan on 24th May, bank transferred amount on 24th May I mean to the dealer, but they haven't deducted 1st emi on 24th June and when I confirmed about this from the bank officials they said that they will charge it on 10th July for the first.emi, now my querry is sir how much they will be deducting it on 10th July,my emi.is for 9300rs, will amount be same as for a month or they will charge something more for 18days more......
18 din ka total amount par intereset dena rahega baaki emi apni date se kategi.
Sir margin money kya hota hai ? Plz answer....
Total amount of car=Loan amount + Margin money
Vehicle on road price = 5lacs , yours loan sanctioned 4.5lacs , balance 50k is margin money.
Sir I want some advice from u about my npa account plz help me sir
Sir,,, for 25 lac car loan, hdfc offer 7.9% fixed , emi 38k for next 7 years... and foreclosure will be nill after 1 year... Is it good deal?
Lovely sir
Very informative
Hi Bro, I have a doubt when do we negotiate with the dealer for a discount is it during delivery or during booking of the vehicle, I have 2 quotations with one being low priced than the other. Thx
During booking only.....once booking done...nothing can be done
SIR.Good Information.
Kya nxt mnth sey car prices increase honey waley hain??
Sir part payment ke baare mai b bataiye.
If you deposit money in loan account other than Emi, that is part payment.
@@chuddakad so that will be deducted from outstanding principal? And emi will remain same or will it decrease??
@@indiansimracer2448 Emi tenure will be reduced, eg. You had to pay 60 emi but u deposited 1 lakh in your loan ac, now you have to pay only 42 emi.
@@chuddakad Thank you for the clarification 👍🏻
Nice info 👍
Car loan from Union bank is problematic, do not go with this.
👍👍👍
Need help from u where can u contact u boss
Guma fira k....beokuff k pass paisa ho to chalaak log bhukhe nhi marte..
Very bad advice..plz let the people go for insurance..it is merely Rs. 500 per lac. It is not about target all the time sir.
BHAI YE KHUDA CHUDA NA KIYA KARO...APNE HINDU CULTURE KO PROMOTE KIJIYE PLZ
Mu dear you are also broker so I assume you are Fraud Because you are chargring membership fee or used car payout ? Sala iss india main ye he hain uski kheech kar apni seedhe kar lete hain log
He is the reason Im not broke by now.. especially amid COVID related financial issues. there is literally no one else who guides us in so streighforward and honest way...
First like from me sir ❤️🥳
Love u sir❤️
Sabse badhiya....gaadi cash mai lo.....i am a normal working person ...and purchased 2 cars by age of 36 yrs...one is Chevrolet beat petrol top model..in 2011 and second is Nexon diesel in 2019 and both purchased on cash, rather then giving money to banker or dealer on interest .....yes have to take help of rs 2 lacks from my brother...and returned him as per commitment.....it's always better to be transparent in money transaction with family members...and we all can save lot more on interest part
Extensive & informative. Beautifully described financial aspects of car loan. You possess better financial knowledge and ability than any banker.
I wish you success and fame.👍
All the dislikes are from car dealerships 😁
Very useful content. Can you make the same content in English as well please?
Dear Sir,
1)Loan assurance is designed as per risk so it's very voluntary
2) Advance EMI will make a difference in interest . For a period of 7 years if 7.5 then advance emi it will be 7.3 interest it's not private or public bank it's convince. With one Banker opinion you can't make a opinion on banks
3) Regarding payout banks pay by losing their interest income . It's independent of payout it's the risk banks making . Dont divert the topics .
4) Banks don't charge flat rates and further they will provide key fact statement as per Rbi guidelines . Flat rates are charged by the finance companies . Kindly educate accordingly.
Intially I love watching channel but for view you are saying whatever.by imagination you are videos are very diverting.
.
Amazing insights .. thanks for your efforts 👍
Dear beta you and your style is beautiful. May God bless you. From (haryana)
Sir, I apply loan from kotak bank, Car loan amount is 5lakh, for 3yr. Rest of the amount i am paying. I got email after giving all details to bank, It says my loan is sanctioned, Banker take my blank cheque and saying loan will disbursed in two days, After two days he is keep telling me it will done tomorrow tomorrow from last 5 days, And he is start telling me like he need some more details of me this and that, Even they took blank cheque and sign the agreement also,
So my question is if there is problem why they sign agreement and take blank cheque ? Please suggest me is that fine or not ?
As always, very comprehensive information shared. Thanks a lot!
Vdo me 20:00 second ki advertised. 🤔 Kuch jyada nahi he.? 🙆♂️
😂😂😂😂 aage aage dekho hota hai kya.
1 minute ki ad aayegi aur TH-cam bolega agar ad nahi dekhna toh mujhe har mahine 200 de diya karo 😂😂
Do you recommend hdfc car loan?
Sir is harrier a good option ? Compare to creata and seltos?
100%
Undoubtedly....
Good one Gagan, as always!
Dont go to showroom for loans, go to banks directly and from there go to showroom, If you purchase bank loan from car showroom, the rate of interest will go up, which will go as a commission to showrooms
Amongst the first few Sir
Good great, ji please do continue this public awareness programs. Thank you
Sir mne CSD se car book kar rkhi h or axis Bank se loan liya hai but 9.70 lakh ki car hai csd me mera loan hai 8 lakh . Baki mere saving account me hai .
Toh sir bank wala bol rha hai ki phle 1.70 lakh rupees CSD ko transfer karuga toh sir demand place nhi hogi. Mne usko bola ki ase process nhi toh CSD ka phle loan amount jata hai fir baaki payment getway ya e challan se toh bank wala loan nhi dal rha phle vo bol rha h ki bank ke rules hoti hai ki phle baki payment costumer lo fir loan amount transfer kro. Plz sir help
God bless you.keep doing good job.thanks for valuable information.
Thank you for the nice Knowledge Transfer. I appreciate your efforts.
सर आप विडियो मे या तो केवल हिन्दी मे बोला करो या फिर पुरा इंग्लिश मे
Mujhe 3 lakh tak ki use car lena h loan ke liye suggest kare