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.

[{"selector":"#anim-7f255013-52a6-4ce6-b52d-f0b8765cffec","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b4c826a5-ddaf-4b8c-b700-19a2333b6ef9","keyframes":{"transform":["translate3d(0px, 203.88223%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3555eb25-a6f3-464f-8d70-09c560ac6262 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(4.765948983729967%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

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

[{"selector":"#anim-1c83bacd-37c9-491c-b0fe-ce4694f30760","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-02deb9fd-1398-4d31-91e2-75693679f0be","keyframes":{"transform":["translate3d(0px, 172.55693%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-404380e7-2ce3-45ac-9d40-ef21410b9766 [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 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.

[{"selector":"#anim-fc46ca82-290f-4a05-9824-7df6b108f5d8","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0ed314d2-07da-4b85-a5bc-e94001e3fd29","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-55d5b08e-243d-4940-b990-a7f2bfdbf5d6 [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"}]

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"}]