Car Loan or Cash Which is Better?

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

Рет қаралды 719,960

Күн бұрын

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.
If you are in Pune & want to talk about your car or bike on Sahi Gaadi then get in touch via email - shrangar@videoschool.co.in
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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

Пікірлер: 506

@SahiGaadi 10 ай бұрын

Car Loan Lene Ka Sahi Tarika: kzfaq.info/get/bejne/Y7aflZaBybPHj6s.html Car Insurance All Terms Explained: kzfaq.info/get/bejne/ed95dMKfuNa-hWg.html 9 SUV cars under 10 lakhs: kzfaq.info/get/bejne/a6-omLhls5PQfas.html

@user-qo6qo3mx5q 3 ай бұрын

Sir n.i.p case kya hota h

@user-rv3zu8mk1h 6 ай бұрын

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 ।

@ErAKBihari Ай бұрын

सहमत😂

@MNL66666 Ай бұрын

Bahut sahi kaha lena hai to cash lo

@BDas0405 4 күн бұрын

Absolutely right ✅️

@OishikSarkargplus 10 ай бұрын

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.

@Besmartbutsmartly 3 ай бұрын

😂😂😂yoy are a fool

@sachinsonavle3625 2 ай бұрын

Yes , do not listen any idiot on you tube

@prajaktagondhali8883 18 күн бұрын

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

@Mohiitt357Sharma 6 ай бұрын

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.

@dilipsolanki7611 Жыл бұрын

बहुत अच्छा लगा सर धन्यवाद

@dannycbe949 Жыл бұрын

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

@jagannathmahanta1631 Жыл бұрын

Very nice description 👍

@SahiGaadi Жыл бұрын

Thanks 🙂

@pushpendrayadav9248 Жыл бұрын

Thanks sir Nice information 👍👍

@SahiGaadi Жыл бұрын

So nice of you

@dineshbisht4077 Жыл бұрын

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

@JeetRealm 8 ай бұрын

▀▄▀▄▀▄ek shikshak bhee ise itanee khoobasooratee se nahin samajha sakata...aapakee samajhaane kee style ne mere dil ko chhoo liya▄▀▄▀▄▀❤❤

@SahiGaadi 8 ай бұрын

Thank you so much

@gopalalam7288 Жыл бұрын

Nice information ji Thanks you

@SahiGaadi Жыл бұрын

So nice of you

@kailashrawat126 2 ай бұрын

Thank you sir for clear my doubts 😊

@SahiGaadi Ай бұрын

Welcome

@ganeshbharadwajshooter1913 Жыл бұрын

Bahut badhiya jankari ji dhanyawad bhai 👏

@SahiGaadi Жыл бұрын

Apka Swagat hai Ganesh Bhai

@dineshkumar-wb9oc 2 ай бұрын

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

@SahiGaadi 2 ай бұрын

Thanks Dinesh bhai

@SonuSangam-sd4sf 2 ай бұрын

बहुत अच्छी जानकारी दी है आपने 🙏🙏 धन्यवाद सर

@SahiGaadi 2 ай бұрын

Thanks

@dattamhaddalkar8402 Жыл бұрын

Excellent tips 👌

@SahiGaadi Жыл бұрын

Thanks

@baijnathkushwaha3686 Жыл бұрын

Explanation best but still beed to compare with ammount.. With cash and Finance.. because someone choose finance and someone choose cash.

@UmeshKumar-ff8cs Жыл бұрын

Any issue related to income tax

@pst.shimonsamudre9341 9 ай бұрын

Thank you so much for your valuable information.

@SahiGaadi 9 ай бұрын

So nice of you

@ronyjohn9849 2 ай бұрын

One main point you have missed out for Full cash payment disadvantage, If you pay one time transfer more than 10 lakh from one account then Income tax will ask for the source of income, so better always to take 20% finance wih short period of time ( 2 years better) rather than full payment.

@vinaykumarsingh1483 Жыл бұрын

Right suggestion sir.

@SahiGaadi Жыл бұрын

Thanks and welcome

@GaneshMadke-py8zm 5 ай бұрын

Apne bahut achya samjaya Bhai Thank you 🙏

@SahiGaadi 5 ай бұрын

Welcome bhai

@baniya2 Жыл бұрын

Sir aap k samjhne ka idea bauth achha laga

@SahiGaadi Жыл бұрын

Thank you so much

@seiboihangmi3412 Жыл бұрын

Good information Sir

@SahiGaadi Жыл бұрын

So nice of you

@ramjisingh5078 8 ай бұрын

Thanks sir good information

@SahiGaadi 8 ай бұрын

So nice of you

@shngainsinghbareh6790 Жыл бұрын

Bahut2 dhanyabad,Sir

@SahiGaadi Жыл бұрын

Welcome :-)

@RX-wo3tz Жыл бұрын

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

@sachlangjamatia4740 11 ай бұрын

Right sir .

@meandyourwords9538 5 ай бұрын

Aapane gadi lene ka bahut badhiya sujhav Diya❤❤❤❤❤

@SahiGaadi 4 ай бұрын

Thanks

@kolekarsantosh3631 Жыл бұрын

Well explanations

@dyat1820 Жыл бұрын

Good suggestions

@SahiGaadi Жыл бұрын

Thank you so much

@adarshkumarpandey765 Ай бұрын

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

@devendrawallepure3901 Жыл бұрын

Nice information 👌 👍

@SahiGaadi Жыл бұрын

Stay connected :-)

@parthrajpal3574 Жыл бұрын

Great video

@SahiGaadi Жыл бұрын

Thank you so much

@ravikeshav1107 Жыл бұрын

Badhiya jankari diye hai bhaiya

@SahiGaadi Жыл бұрын

Thanks

@nageshbhalse Жыл бұрын

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

@saaadshot 5 ай бұрын

That’s the point Agar 10 saal lag jayega toh simply car afford ni kr skte. Paise Jama krne mai 10 saal lag jayega lekin loan bande 5 saal ka krwate hai

@Altaf_Mulani 7 ай бұрын

Right 👍

@harendraharendrasingh3891 5 ай бұрын

Bahut hi mast jankari Di

@SahiGaadi 5 ай бұрын

Thanks

@gaynendrachhetri3172 3 ай бұрын

Sir I have planned to buy for commercial purpose so what will be the difference when we purchased down-payment of 2 lakh or we purchased zero down-payment sir please give us Good ideas about it !

@javidhussain7639 5 ай бұрын

Good advice

@SahiGaadi 5 ай бұрын

Glad you think so!

@RAJESHSAINI-ou7fu Жыл бұрын

Good suggestion

@SahiGaadi Жыл бұрын

Thanks

@NaveenRao-ru7wu Ай бұрын

Good information.

@SahiGaadi Ай бұрын

Thanks

@DheerajShahLifestyle143 11 ай бұрын

Wow great information 💯 sir 👍

@SahiGaadi 11 ай бұрын

Many many thanks

@DheerajShahLifestyle143 11 ай бұрын

@@SahiGaadi welcome 🤗 sir

@santoshkumar-qu4vo 11 ай бұрын

AAP ye sahi baat bole

@cheharsinhthakor9109 22 сағат бұрын

सही बात

@PanditKaramchand099 8 ай бұрын

Nice information

@SahiGaadi 8 ай бұрын

Thanks

@abhijitkundu1879 4 ай бұрын

Thank you Sir aaplogo ka bharosa bas yehi lekar aage barni hain Sir 🙏🌹

@SahiGaadi 4 ай бұрын

Thanks bhai

@abhijitkundu1879 4 ай бұрын

🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏

@abhijitkundu1879 4 ай бұрын

Ji bhai 🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏

@anjub7405 5 ай бұрын

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!

@sahilyuman 4 ай бұрын

Sir aap ney bahut pyari baat kahi hai sabsey last me 🥰🥰❤❤❤❤❤🌸🌷🌹💐

@SahiGaadi 4 ай бұрын

Thank you bhai❤️

@najirkhan2382 Ай бұрын

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

@SahiGaadi Ай бұрын

Thanks

@nazmulmondal7082 Жыл бұрын

Nice 🎉❤

@monojsingha9851 11 ай бұрын

Thanks Sir,,,Very Impressive

@SahiGaadi 11 ай бұрын

Most welcome

@Rajinderkumar-ew9ch 5 ай бұрын

nice information ji

@SahiGaadi 5 ай бұрын

Thanks

@rahulsingh-rm2yf 9 ай бұрын

Only take immovable property on loan ,not items

@mushtaqali4395 8 ай бұрын

Good information

@SahiGaadi 8 ай бұрын

Thanks

@irshadsayyad7850 Жыл бұрын

superb 👌👌👌👌👌👌👌

@SahiGaadi Жыл бұрын

Thanks 🤗

@abhijitkundu1879 4 ай бұрын

Aaplog financial advisors aur legal advisors aur bankers ke saath goodwill badani hain taabhi na bada khel paaunga liquidity se kuch nehi hota bahut hi limitations main chalni padhegi 🙏🌹

@bilalpatel4849 8 ай бұрын

Last line apki bhahot achi thi need k hisab se lo car 🎉😅

@lundwipro Жыл бұрын

Best option is always cash pe gaadi uthao. End of the day car is depreciated product. Or every year manufacturer are facelifting their design and tons of new features. Best hai koi base model hii le lo premium cars bhi le sakte ho. Emi kisi or profitable products mein use Karo future mein life profit dega

@bkc286 Жыл бұрын

👌👌👌👌

@jaradhiggins6599 Жыл бұрын

Kya 50L ka cash mai ley saktey ho? Lol

@jaybty99 Жыл бұрын

@@jaradhiggins6599 Wohi toh bhai. Income tax darwaje pe hajir hoga direct. 😂

@user-ue7fn8rz3h 2 ай бұрын

@@jaradhiggins659950 lakh bale hote hi corrupt hai...tabhi income balon se fat ti hai inki 😂😂

@visvia1887 2 ай бұрын

8 se 12 lakh ki car cash payment se Lena best hai.

@dineshkhardola Жыл бұрын

Aapne bahot achhi bat kahi gadi dikhave ke liye nahi apne hisab se lijiae

@SahiGaadi Жыл бұрын

Thank you Dinesh bhai

@BKSEM Жыл бұрын

Cash v finance batter hain, down payment jyada or short kar sakti hain, or apni cash ko v interest kamakar de sako aisa jaga par invest main rakhu...

@tulsiblogs3476 9 ай бұрын

Cash payment kar ke lene me . income tax ka koi problem to nahi hai ?

@kumardilip4566 Ай бұрын

Thank you sir nice 😊

@SahiGaadi Ай бұрын

Most welcome

@muktarulhossain5425 Жыл бұрын

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.

@agatajo6883 Жыл бұрын

Ekdam sahi kaha aapne

@SAGARSIRVLOGS-ut3kp Ай бұрын

Sir, jo ITR only file krta ho but unka annual income below 5lakh rhta ho toh kya wo 12 lakh ki gaadi full down payment kr k le skta hai? Aur agar 12 lakh ki gaadi full down payment kr k le le to kya income tax department se kuch problem hogi ?

@dhrubachoudhury8030 8 ай бұрын

Beautiful msg.

@SahiGaadi 8 ай бұрын

Glad you think so!

@devendrawallepure3901 6 ай бұрын

GOOD SUGGESTIONS 🌺 👍

@SahiGaadi 6 ай бұрын

Glad you like them!

@ashokkaramunge683 Жыл бұрын

Nice video we'll said sir

@SahiGaadi Жыл бұрын

Thank you❤️

@santoshkumar-qu4vo 11 ай бұрын

Love you bahi and sir❤😊

@SahiGaadi 11 ай бұрын

Thanks Santosh bhai

@badbunny4342 20 күн бұрын

Cash full to payment hogi nahi upto 2 lakh tak hi counter pe pay kar sakte hai. Baki ka paisa apko bank transfer ya online mode (NEFT/ RTGS?) hi karni hogi.

@user-ch2qb8gu1t 2 ай бұрын

right👍

@Ummedsingh1008 Ай бұрын

Thanks a lot

@SahiGaadi Ай бұрын

Most welcome

@ravindrasinghchauhan2262 10 ай бұрын

Very Nice information

@SahiGaadi 10 ай бұрын

Thanks

@nishforfrnds2472 11 ай бұрын

Wrong information told in disadvantages of car purchased in cash, a buyer can extend budget for a higher segment car without worries of emi with interest

@rahuljaat1925 Жыл бұрын

Bhai aapane bilkul sahi Salah aur jankari chahie

@SahiGaadi Жыл бұрын

Thank you bhai

@NaushadAhmad-nq8ov 7 ай бұрын

Thank

@manojdhurve8302 Жыл бұрын

Bhai apka knowledge to Kamal ka h

@SahiGaadi Жыл бұрын

Thanks Manoj bro, support karte rahna bs

@shahabshah6422 6 ай бұрын

What about the Balloon payment which should be paid at the end of installments, why you not providing the complete information with the people's

@abidshaikh3537 Жыл бұрын

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

@SahiGaadi Жыл бұрын

Sahi kaha aapne

@rajeshbhartirrr9413 5 ай бұрын

Very good

@SahiGaadi 5 ай бұрын

Thanks

@shyammewada5507 11 ай бұрын

बेहतर सुझाव

@SahiGaadi 11 ай бұрын

Dhanyavaad

@DSVLOG-ms4ty Жыл бұрын

Agar mera 35000 ho 7 lakh ka gari lu cash mein toh kya income tax ka notice ayega?

@desiredditor Жыл бұрын

car hamesha nahi saste me milti hai if you do calculation you can break even in emi or sometimes make profit as well

@user-qy5nf3jy8c 8 ай бұрын

80 lakh ki evoque cash pr le skte hai? Koi problem toh nhi hogi

@ashokkumarbhakat8931 Жыл бұрын

❤️❤️

@navjotsingh4888 Жыл бұрын

Sir finance karte time kin czeezo ka dhyan rakhna chie?

@dariyavsinghbhayadiya1714 6 ай бұрын

Right sir

@SahiGaadi 6 ай бұрын

Thanks

@kokanijagdish Жыл бұрын

Nice information sir

@SahiGaadi Жыл бұрын

Thank you so much

@pravendrakumar7164 Жыл бұрын

Good 👍

@SahiGaadi Жыл бұрын

Thanks

@michaelr4107 11 ай бұрын

The video is somewhat misleading. A little bit R&D would have led you into truth. Suppose I have 10 lakh cash but I decide to take a loan instead of buying a car in cash. Considering loan fixed rate at 8.85%, the total interest + charges would be Rs. 2,71,160. Now I invest/reinvest the 10 lakh cash on hand in a FD at say 7% compound interest. I would get 4.14 lakh as return at the end of 5 years. So I make a profit of nearly 1.2 lakhs after tax. Even if the FD interest rate in 6.5%, I tend to make a profit. Moreover, I can take the money in case of any emergency.

@manishbajaj2572 10 ай бұрын

Suppose you are paying some X amount as instalment and put that amount into RD with 7% or any rate which is currently being then only you will reach out to correct calculations or saving vs loss, you are just looking at one prospectus

@Engineers_Army022 8 ай бұрын

And we can get more in mutual fund also

@Anil-pm4hz 7 ай бұрын

@@manishbajaj2572 His calculation perfact.He said, if he is having 10 lakh in hand in starting, still he would prefer to borrow loan, which means whole 10 lacs go into FD in one shot not in RD.

@bipasham9335 2 ай бұрын

I agree with this point. If someone has money but he wants to take loan from a nationalised bank and purchase the car by EMI, would be very wise decision because his available cash will not exhaust in go rather it would bring get interest by putting in FD.

@sandeepkumar-hk2ge 11 ай бұрын

Sir mujhe gadi leni hai pr income background nahi hai kya karu

@youtubebrowser1730 2 ай бұрын

you have not mentioned about income tax on cash purchase of car

@DayNulmuchana 2 ай бұрын

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

@imranmahaldar464 5 ай бұрын

Sir 10 11 lak thak gadi cash mein Lethe hai tho tax ka kuch lafda hai kya???

@souravdangi9079 Жыл бұрын

❤❤❤❤❤

@pritampawar-xz8gl Жыл бұрын

Agar ham 10 ke bajaye 5 lagake 5 invest karenge toh app dugna banyenge aur loan ka interest pay karke utna hi profit bachega

@Sukhjashan 8 ай бұрын

Jitna Paisa hmare pass hai agar hum us paise se koi kaam krte hai to loan Lena achha hai, But agar apna paisa FD mei rakh kr gaadi loan PE lenge to Interest ka loss hoga

@dddd-ni3pt Жыл бұрын

1 bar cash m lo sarri tension kharam 3 se 4 saal ki whi har mahine 20se 22hazar pay krna jyda tension or bich m Maan badal Jai dusri Leni ki toh phir bhi toh bharna pdega sarra or loan m Kam se kam 1.5 se 2lakh extra dena pdega