कार लोन कैसे ले – Car loan lete samay dhyan rakhe ye batey

कार लोन कैसे ले

Agar Aap koi secend hand car ya new car kharidna (purchase) chahte he. To aapko kuch bate dhyan me rakhni hogi. Aaj kal harroj (daily) market me small car,suv,loadind suv jesi product market me lounch ho rahi he. Iske sath sath aapka confusion bhi badta jata he. Konsi le aur konsi na le.

कार लोन कैसे ले

Aapke esi sawal (question) ke jawab me dene vala hu. Esi liye hamare sare sawalo ko dhyan se pade.

QUE-1. Hame kab car kharidni chahiye?

(ANS). Ye aapki family income ke uper depend karta he. Aapke family member ki income agar atchi khasi he aur har mahine aap ki atchi saving ho rahi ho to aap ak new car ya secend hand car le sakte he. Ho saketo chote budget vali car ki pasandgi kare. Isse aapka loan emi kam rahega aur aap aasani se emi pay kar sakenge. Lekin aapke ghar ke dusre loan aur baaki sare kharche ka bhi dhya rakhe. Varna aap muskil me pad sakte he.

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QUE-2. New car le ya second hand car le?

(ANS). Agar aap pehli bar car lene ja rahe he aur car used jyada nahi he. To secend hand car ka option aapke liye behtar rahega. market me aaj atchi condition ki car milna koi muskil nahi. Fir bhi aap ke pass paise ki kami nahi he to aap chote budget ki new car bhi kharid sakte he.

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QUE-3. Secend hand car ki condition kaise pata kare?

(ANS). Aaj kal market me second car bhi atchi condition me mil jati he. Bas dekhna ye he ki vo car konsi compony ki he. Aur Konsa model he. Market me jyadatar secend hand car ke rate compony aur car ke model ke uper jyada depend karte he. Iske alava car ka used kisne aur kis tarah se huva he ye bhi dekhne jesi baat he. Car ke manufacture year aur registration detail ki puri janch kare.

Car ke bareme jankari rakhne vale kisi vyakti ya motor garage vale se bhi gadi dikhakar car ki condition jan sakte he. Aap chahe to internet par bhi aisi kai website he jo gadi (car) prize janne me aapki madad kar sakti he. Aapko bas website par car ki thodi detail deni hoti he.

Jis ke pass se car leni he us vyakti ka business aur brackground kya he pura pata kar. Kyu ki second hand car ke liye kai fector dhyan me rakhne padte he. Man lijiye ak doctor he aur dusra construction business man he. Dono same model ki same prize me car bech rahe he to aap kiski car lena pasand karoge. Doctor ki ya construction business man? 99% PERCENT log doctor ki car lena pasand karenge. Kyu ki car condition ke mamle me doctor apni car ko jyada dhyan rakhta he.

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QUE -4. New car ki choice karne me kya savdhani rakhe?

(ANS). Dekhiye aap ke city ke andar jyadatar log konsi car pasand karte he ( chalate he). Ho saketo kisi garage vale friends se car ke bareme rai le. Ye aapke confusion ko 80% tak kam kar dega. Sahi maine me vo log harroj car ko ulat pulat karte he. Konsi car me jyada kya kharabhi aati he vo atchi tarah se jante he. Ye unka roj ka kam he. Konsi car me jyada kharabi aati he aur konsi car ke parts jyada kharab hote he inka knowledge uske pass hota he

(1)

  • Har mahine car dealers kitni gadiya bechte he. Iska pata car showroom me jakar pata kare. Car showroom ke sales executive se aap ye bat jan sakte he.
  • Dealership executive aapko car suggest kare unpar pura bharosa mat kar bethe. Aap apne hisab se thodi si chanbin kare.
  • Car ki choice sirf ak dealership tak hi mat simit rakhe. District me jitne bhi dealership he vaha jakar ya telephone se car ki prize jaane.
  • Aap ke budget ki car ko dusri compony ki car se compare care taki aapko dono caro ke bich prize aur car facilities ke bareme jyada se jyada jan sake.
  • Car lene ke liye kisi broker ko broker (dalal) na rakhe. Isse car ki cost aapke liye mahengi ho sakti he. Dalal brokrage ke chakkar me aapko without resell value car bech sakta he. Jinki market me 3-4 saal bad koi value hi nahi rahegi.

(2)

  • Ho saketo festival ya off session pe car kharide. In dino compony car me cash discount aur offer deti he. Lekin kabhi kabhi festival pe car prize bad bhi jati he ye bhi ak sach he.
  • Car ki prize ko dusre state ke state se compare care. Har ak state ka car tax alag alag hota he. Aap ke car ki budget ko isse koi firk padta he to Dusre state se aap car purchase kar sakte he. Yaha aap ak badi bachat bana sakte he.
  • Colour ki choice aap ki jeb bhari kar sakti he. car colour selection par different prize ho he. 5000 se 10000 tak tak aapko jyada dene pad sakte he.
  • Petrol ki kimat har dam badti rahi he. Ho saketo jyada average dene vaki car ki choice kare. Iski samaj aap jab car chalayenge tabhi pata chalega. Is mahengai me jyada average dene vali car lena munasif hoga. New car me average aap ki first priority honi chahiye.
  • Look wise dekhe to car ka look country wise jo log pasand karte he vo hi rakhe. Badme kabhi bhi aap car bechne ni ho to aasani se car ka buyer mil sake.
  • Car purchase karne se pehle Car ki test drive le lijiye.
  • Petrol car aur diesel car dono ki prize me jyada different hota he. Petrol car jaldi se kharab nahi hoti. Lekin diesel car petrol car ke mukable jaldi se kharab ho jati he. Is liye jan lijiye aapki choice kya he.

QUE-5. New car ki loan process kya he? कार लोन कैसे ले

(ANS). Car loan process ke liye aap sidhe hi vehicle finance compony ya fir direct hi kisi bank ki sakha (branch) ki mulakat kar sakte he. Car dealers ke showroom par bhi finance executive aur bank ke loan department vale aapki help kar sakte he.

Loan process ke liye jo bhi document chahiye hote he vo sabhi finane aur bank ke alag rules hote he. aap Aap kitne budget ki car le rahe he aur kitni loan karvana chahte he is par bhi ye niyam lagu hota he.

First to aapko cibil check karvana hota he. cibil score ke hisab se bank vale ye jan sakte he ki aapne aage loan li he vo sahi tarike se bhari he ya nahi. Koi emi overdue he ya nahi. Isse aapki puri janam kundli nikal jati he.

Aapka Cibil score ok he to aap loan ke liye eligible hone ke chance bad jate he. Badme loan process ke liye KYC (document) ki jarurat padti he. Kyc me id proof,address proof,business proof,electricity bill,bank account,photos, ki jarurat pad sakti he. Dusre kisi vahan ki loan chalu he (running) to uska bhi statement dena pad sakta he.

Kuch kissome guarantor bhi provide karvana pad sakta he agar aapka cibil score kam he to.

Sab kuch thick thack raha to aap ki new car ki loan process 1-3 days me complete ho jayegi. Badme dealership pe Margie amount aur delivery order deke car ki delevery le sakte he.

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QUE-6. Car ke liye insurance kahase lena chahiye?

(ANS). Market me kai sari car insurance he. Insurance ke bareme jyada jankari nahi to kisi jan pehchan vale se rai le. Iske bad hi car insurance  purchase kare. Aaj to online bhi insurance mil jate he. car ki chassis number engine number aur baki kuch jaruri detail fill up karke chand minute me online car insurance purchase kar sakte he.

Iffco tokio,new india insurance,sundaram finance,chola ms,hdfc bank,icici bank,national insurance, jesi compony insurance provide karti he.

Car Insurance lete samay ye dhyan rakhe claim ke doram kuch compony ke claim jaldi process nahi hote. Ye baat ka survey kare konsi compony claim process me sabse fast he. Taki claim jaldi se jaldi pass ho jaye.

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QUE-7. Konsi bank (finance) car ki loan karti he?

(ANS). Har koi bank aur finance jo india me he vo sabhi new car loan ki suvidha pradan karti he.

Hdfc bank,icici bank,canara bank,yes bank,union bank,state bank of india,bank of baroda,indusin bank,indian overseas bank,central bank,federal bank,punjab national bank,kotak mahindra bank,etc..

cholamandalam finance,au finance,mahindra finance,Fullerton india,etc..

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QUE-8. Car loan lene ke baad kis baat ka dhyan rakhe?

(ANS). Sabse pehla kam jahase bhi loan liya ho us bank ki branch jakar repayment schedule lena na bhule. Loan ke installment (emi) konsi date se start hone vale he aur kab pure honge ye sari detail repayment schedule me hoti he.

EMI ki first installment ki date se 5-6 din pehle bank account me emi ke paise bharde taki aapka emi bounce na ho. Emi bounce hone par penalty charges bharna pad sakta he.

Isse aapka credit score kharab ho sakta he. Dusri bar loan lene ke samay cibil score kharab hone ki vajah se loan ke liye paresaniya zelni pad sakti he.

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QUE-9. New car loan me interest rate kitna hota he? कार लोन इंटरेस्ट रेट

(ANS). Car loan ka byajdar aap konsi bank se loan karva rahe ho. Aur aapki prifile kitni strong he ispar depend karta ha. Sabhi sarkari bank ke car loan intrest rate kam hi hote he 9.25% percent ya usse thoda jyada. Halaki hdfc aur icici jesi private bank bhi 9.25% car loan karti he. Market me aisi bhi kai sari finanace he jo 12% se lekar 14% tak loan deti he jo kafi mahengi he. Ye finance un logo ke liye he jiska cibil record thoda kharab he aur market me use loan dene keliye koi tayar nahi. Isika faida finance vale lete he. Ye ak risky kam he lekin market me ye chalta he.


QUE-10. Car loan ke emi (installment) kis tarah se bharni hoti he?

(ANS). Car loan ke installment cheque ya ecs(electronic clearing systems)  ke jariye hoti he. Aapko sirf itna hi karna hoga jab installment aane vali ho uske 3-4 din pehle hi bank account me emi ki rakam jama karde. Jis din installment aayega us din emi ki rakam aapke bank account mese debit ho jayegi. Jab aapki bank loan process hoti he tabhi disbursement ke time ye process ki jati he.     


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Tag: कार लोन कैसे ले, कार लोन इंटरेस्ट रेट, car loan ki jankari, auto loan in hindi, car loan kaise le, car loan par kaise le

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