Car Loan or Cash Which is Better? | EMI vs Full Payment

Should you buy car on cash or with a car loan? The incentives that come with car loans or EMIs come with the drawback of a significantly higher price tag. So, is the convenience of equated monthly installments worth it over the higher price you pay, or should you invest all of your money and buy a car with a full down payment? Learn it all in this video.

More informative videos for you:

00:00 Introduction
01:00 Full down payment
02:20 Upgrading/selling early
03:12 No extra cost
04:00 Cons: Limited choices
04:35 Lumpsum transaction
05:18 Finance pros: Choices
06:30 Doesn’t affect savings
07:05 Cons: Interest
07:58 Security

#sahigaadi #emi #carloans

[kuldeepkumartyagi-uv]

पैदल या साइकिल पर चल लेना लेकिन कभी लोन पर कार मत लेना भाइयों ।झूठी शान की वजह से अपनी रात की नींद खराब ना करें ।हाँ ज्यादा ही पैसा है तो कोई बात नहीं है ।

[MohiittSharma]

Cash or EMI ....very understood subject...who already has money, he doesn't think about taking a loan ...who aren't able to afford the whole amount at a time they take loan...it is obvious... someone can't save the whole amount to buy a car but can pay in EMI.

[Chimpukya]

Last ka sentence really its true. Jitna use hi waisi gadi lo dikhawe per nuksan mat kero

[dineshkumar-wboc]

एक दम आराम से, कोई हड़बड़ाहट नहीं, जितने अच्छे ढंग से समझाया जा सकता है उतने बढ़िया तरीके से समझाया दाद देनी पड़ेगी,
बहुत अच्छा लगा

[dannycbe]

Interest to be paid on a DEPRECIATING ASSET...is not a good idea.
Taking minimum loan is best..for shortest possible time..is the way to go, if outright payment is not possible

[dineshbisht]

abviousely jiko 12 lakh ke car lene hai wo maximum down payment karega interest se bachne keliye its depend on buyers

[OishikSarkargplus]

I was planning Tiago in 2021 that was costing me around 6 Lacks on road, I dropped the plan because I didn't wanted to pay 80k interest and though of saving and pay by cash.
In 2023 the same car same model now costs 7.80 lakh. So the conclusion is by not purchasing the car and not taking the loan I lost 1 lack.
Conclusion is don't listen to any idiot, if you want to purchase something go and get it by loan. Now I regret my decision and don't want to pay extra 1.80 lacks for the same car.

[anjub]

लोन पर गाड़ी लेने पर जो व्याज की राशि देनी पड़ती है उस से ज्यादा फर्क नही पड़ता, क्योंकि गाड़ी की कीमतें दो- तीन वरसों में व्याज से अधिक बढ़ जाती हैं! जिस कार का मज़ा आप ले रहे हैं शायद धन के अभाव में पहले से न ले सकते!

[adarshkumarpandey]

Mera suggestion hai ki 15-20 logo ka group bnakar monthly Contribution kar ke khareed lo...easy rahega

[prajaktagondhali]

Informative video not many creators talk about pros And cons like this

[muktarulhossain]

Income karne bahut mehenat lagta hein. Agar emergency na ho to cash is best option. Income monthly 60k and EMI is 20k. You have to assume your salary 40k only. Ayse karte karte end of the month savings is zero. Rat ko santi se nind nehi ayega. Cash mein honda CITY ki jaga swift milega but santi se chal sakti ho. 60k amount mein apna marji se kharch karsakta hu. I hate loan.

[VikashKumar-ezru]

Sir jab gadi purane hone lagti hai to loan bharne ka man nhi karta hai

[jaivaldesai]

For the middle class family 50% or more down payment and remaining amount of loan is best because its averages out pros and cons of full cash payment and large loan amount

[deepakshastri]

Peace of mind hota h cash payment me dusri baat har mhine emi ki tension khtm, 3ri baat limit se bhr nhi jata, 4rth after 6 month 1 year aap bhul jaoge ki apne gadi li thi 5th aap khul kr gadi chla sakte ho enjoy kr sakte ho😂bhle hi gadi chhoti le lo base model le lo pr gadi laon pr nhi lene ka

[abidshaikh]

As per budget and capacity one should buy a car but Aaj kal Show off ka Mahol hai

[RX-Ani]

Agar Savings Bank or FD mei paisa hai which is less than car loan interest rate then cash better hai na sir

[DayNulmuchana]

Agar aap Car ki down payment 50% de dete ho toh mental stress nahi hoga,
kyonki EMI ke alawa bhi km se km 10000rs. Month ka other expenses bhi hote hae etc. Petrol, insurance, maintenance, accessories

[vipulgaur]

गाड़ी कैश मे ही लेना चाहिए। जितनी लंबी चादर हो उतना ही पैर फैलाना चाहिए।

[nageshbhalse]

Bhai itna cash jama karne ke liye middle class family ko 10 sal se jyada time lagega is liye finance achha rahta jisse paise bhi bachana sikh jata he

[najirkhan]

Sar main aapki soch ko apne ghar mein koi bada bhai bhi itna nahin bataega jitna aapane bataya salute misar