लेने जा रहे हैं कार लोन, तो ध्यान रखें ये बात!

लेने जा रहे हैं कार लोन, तो फॉलो करें ये टिप्स!

Aishwarya Awasthi Mar 16,2024

कार खरीदने के लिए अक्सर लोग लोन ही होते हैं.

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हालांकि लोन चुकाने के साथ ब्याज भी चुकाना होता है.

[{"selector":"#anim-b8e808e1-6426-4ca9-9fc2-1f1d58f7129d","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-13c8857d-1fb6-49ce-92d3-a5b4f9b18d3d","keyframes":{"transform":["translate3d(0px, 196.77002%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4ed779ed-d2e9-43f4-a2b4-f6057f9e47d2 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

यही कारण है कि कार और भी महंगी पड़ जाती है.

[{"selector":"#anim-1ffae6bc-336f-4da5-94c6-19ee43cc8c9d","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d6f59711-3ab0-4ec9-bc68-c990b10fc046","keyframes":{"transform":["translate3d(0px, 196.77002%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a50be358-6f38-45d1-90b8-f9f9323d09e2 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

कार लोन के लिए पहले बैंकों में जाकर सस्‍ते लोन के बारे में पता करें.

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लोन में EMI की कम से कम 75 फीसदी रकम की SIP करवाएं.

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एसआईपी भी उतने ही समय की करवाएं जितने का कार लोन ले रहे हों.

[{"selector":"#anim-0dd790f9-fd1f-4be0-8069-99fadb25ca95","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-df9b6228-8e7f-4383-934a-73eb54605893","keyframes":{"transform":["translate3d(0px, 205.08703%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8f03c5c7-98c3-49af-a921-479a082479d9 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

मतलब 12 लाख की कार खरीदने के लिए 8 लाख रुपए का लोन बैंक से लिया है.

[{"selector":"#anim-aa55ae68-af44-44d4-8346-32472fae369e","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bebdd158-ec58-4846-b3cd-b67b1602963f","keyframes":{"transform":["translate3d(0px, 222.66093%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ea368bf0-f219-442d-b1dc-6d3765d2926c [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

ये लोन HDFC बैंक से 5 सालों के लिए लेने पर 7.9% ब्‍याज के हिसाब से चुकाना है.

[{"selector":"#anim-498d4eb3-ba2e-4ced-8ece-c09ce6e8d093","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a9de6f90-ac23-451e-adea-77fc53986a12","keyframes":{"transform":["translate3d(0px, 231.81125%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-be81e0bf-5fe4-45bd-86bb-25534f2b4be2 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

8 लाख रुपए के प्रिंसिपल अमाउंट के साथ 1,70,971 रुपए ब्‍याज चुकाना होगा.

[{"selector":"#anim-60562310-2cef-4ba4-851f-964bd9df4896","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fec8c1b0-78e2-4fa3-9a5b-942a138adf03","keyframes":{"transform":["translate3d(0px, 227.70163%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-961ac0de-d397-45ba-b800-3b964dbb153c [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-9.949462939564668%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

ऐसे में आप कुल 9,70,971 चुकाएंगे.

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इसके लिए आपको 16,183 रुपए हर महीने ईएमआई के तौर पर देने होंगे.

[{"selector":"#anim-8c38240d-68ae-48db-a077-328418c1d1ec","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-82e33b66-1e94-4a1c-bf10-2fdd089993a9","keyframes":{"transform":["translate3d(0px, 200.26775%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0101dc91-36cd-4098-8c31-cb5c127d5b14 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

आप 16,183 का 75 फीसदी यानी 12,137 रुपए की SIP शुरू कराएं.

[{"selector":"#anim-92d181ef-fb14-4392-ae8d-e467e7b58382","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-da830e75-18d3-427c-ae7f-f58c067bb9fe","keyframes":{"transform":["translate3d(0px, 200.26775%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b6dd8a3a-a207-402d-90c8-3a0c317e1b45 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

एसआईपी में अनुमानित औसत रिटर्न करीब 12 फीसदी का माना जाता है.

[{"selector":"#anim-06ee27bb-dcbe-40c0-8265-4a15431e47cd","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a3ea778e-74a9-4c44-8d06-ea8aa3853161","keyframes":{"transform":["translate3d(0px, 200.26775%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f73abd9a-d99b-494e-9d14-e3cbcc71774e [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(2.0419971741214518%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

इस तरह आप अपने लोन को 5 सालों में ब्‍याज समेत आसानी से वसूल सकते हैं.

[{"selector":"#anim-08efd700-a53a-4b9a-b3b0-2f050a644685","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-38ac6091-b905-402c-ac38-aed44a38f71d","keyframes":{"transform":["translate3d(0px, 137.37372%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b13f6599-da26-4753-b9db-111905cc7abc [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(11.818181693337278%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

मानते हैं 12 लाख की कार खरीदने के लिए आपका पैकेज 24 लाख तक होना चाहिए.

[{"selector":"#anim-b7ff0b74-3a58-436b-939a-128032821ca8","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bc9a0541-e8e0-47cb-83db-7d4642185475","keyframes":{"transform":["translate3d(0px, 137.37372%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-74c3ff70-85ab-49a4-93bb-415494c23bcc [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(20.756241611627015%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

Next: UP में सबसे ज्यादा पैदा होती है मटर,देखें टॉप 5 की लिस्ट

Thanks For Reading! और खबरें देखें