How to buy a new Car 🚘 Loan or Cash Which is Better ? EMI vs Full Payment 🤔

[@Deepratan27]

ज्यादातर लोग दूसरे के पास गाड़ी देख कर भी उनके देखा देखी उनसे बड़ी गाड़ी ले लेते हैं फिर EMI देने के टाइम रोते है।। तुम दोनों भाई बिल्कुल सही सलाह दे रहे हो बिना किसी लाग लपेट के

[@BabaYaga1136]

Ye video dekh k samajh aya ki mujhe car ki need hi nhi h. Bas mann hai lene ka wo bhi bas ye drag races dekh k karne laga tha. Scooter se hi kaam chal jayega Delhi metro k sath. Thank you for the video.

[@allrounderanime3294]

Agar life mein kuch emergency aaya koi family mein bimaar ho gaya toh urgently unko leke jaane ke liye scooty toh aayega nahi kaam ghadi hi kaam aayegaa

[@BabaYaga1136]

@allrounderanime3294 family me ek car hai bhai. Main apni alag personal car k liye bol rha tha.

[@allrounderanime3294]

@@BabaYaga1136 accha ok toh thik hai hai🤣😅

[@baburao631]

Totally agree with you. In 2019 i have planned for ecosport new model petrol. But I changed my mind & purchased 2nd hand top model diesel on cash( 5lakh) I am happy now. No emi no tension 😅

[@neti_neti_]

👏👏👏

[@humblepawn873]

Where did you buy 2nd hand car ? I am planning to buy from spinny...Is it good?

[@HarshTiwari-1901]

No please buy it Kewal jo gadi jise aapne pehle se hi dekh rakha hai parakh rakh hai kewal usee he kharide uski condition ke hisab se@@humblepawn873

[@aegisenterprises4592]

Dakhsh your father seems to be a very nice guy.U r lucky to have your father as your friend.

[@ravindrasingh7002]

good advise

[@TheYellowshuttle]

Very valuable advice! ❤️ Agree on all points 💯%. Pros even the salesman can tell you, but Cons & issues only experienced people can share. Appreciate very much. 🙏

[@neti_neti_]

ऋणी होना सबसे बड़ी दरिद्रता ( गरीबी) है ; आय से अधिक व्यय करना मूर्खता है , पैर उतने ही फैलाने चाहिए जितनी चादर हो।

[@PremNagal]

Monthly income ko dekhkar , loan lena koi galat nhi h.

[@Gopzbal]

Garibi to hogi hi, koi bhi kam krke khush nhi, jo kam krte the unhe bhi sarkar ne free ka rashan deke ghar betha dia.

[@bavav7653]

ye soch bhi मूर्खता ki bhaot badi pehchan hai.

[@nitinpardeshi8125]

❤👍

[@AjayYadav-gkp]

बिल्कुल शुद्ध और पवित्र विचार,,,, लेकिन अगर चादर छोटी हैं और पैर बड़ा है तो चादर बड़ी कीजिए क्योंकि पैर तो काट नही सकते

[@agni4869]

middle class k lie , ye channel bohot helpful hain. thanks bhailog

[@thegoodhabbitsofficial7563]

Agar aap gadi shauk k liye le rahe ho toh never take loan . Aur agar business point of view se le rahe ho toh it's a investment you can take it by emi by calculating your budget & business requirement.

[@AmitGupta-ki6gb]

Humne isliye Brezza na leke full cash pe Wagon R li kyunki humare paas bas 7 lakhs hi tha dene ke liye. Ab ya to 7 lakhs DP deke 7 lakhs ka 5 year ke liye loan pe Brezza le letey ya phir jitna cash tha utne ki gaadi letey. Bahut soch samajhke decide kiya ki abhi Wagon R le letey hain phir har maheene savings karke ek din full cash pe Brezza lenge Wagon R ko us time exchange mein deke. Wagon R ki resale value bhi achhi hai so 3 years baad bhi jyaada nuksaan nahin degi.

[@MddawoodMddawood-tz2nc]

Good thinking

[@gouravchakraborty8578]

Brezza lena tha bhai, jub aapke pas 7 lakh tha

[@AmanRider2005]

Bhai ne 7 lakh wagon r pe lagai hamne bi pre owned i20 li thi 2021mai elite i20 Aaj bhi butter smooth chlti h wagon r toh kuch ni 😂

[@vipin-blogs9444]

भाई आपकी एक बात बहुत अच्छी है, लोग सीधे सच बोलते हैं, चाहे आपको पसंद हो या न हो, बातें मेरी तथ्य हैं, और ये सच भी है, बहुत बढ़िया भाई।

[@truewatch]

You said absolutely correct! It is not only applicable to buying car, this general advice specifically on loan!!!

[@ashishranik15]

मै भी किसी तरह पैसे जोड़ के loan पे minimum down payment करके गाडी लेने की सोच रहा था, मुझे गाडी की ज्यादा जरुरत भी नहीं थी मै शौक से गाडी ले रहा था आपके video देखे तो समझ मे आया, thank U आपका thank U ये information देने के लिए बहुत बहुत धन्यवाद 2लाख कैसे भी जोड़ कर ले रहे थे तथा 7लाख लोन लेकर अगर गाड़ी लेते. हमें पैसे सबंधित समस्या आती ही आती हमें आने वाले मुसीबत से बचाने के लिए धन्यवाद

[@cryptotalk89]

Bhai isse acha USED car lo

[@sunnysonker5380]

First of all car sirf shonk nhi basic need hai bhi aaj kl but agar arange nhi ho rha to nyi ki jgha second hand alto wagera le lo 2 lakh tk ki aa jayegi 2015 moldel tk ki gaadi baad me bech ke nyi le lena ya beat,eon,i10 second hand bhut options hai so dreams ko na chodho smartly deal kro

[@kamalyadav9374]

Good​@@sunnysonker5380

[@suhanbiswas9080]

Agar apke paas stock market ka knowledge hai to pura car loan pe le sakte hai. Maine 12k payment karke Honda amaze liya hai, aur wohi 10lakh stock me investment Kiya, aur monthly 10% return leraha hu, car loan me yearly 9% dena hota hai, stock market se aapk monthly 9% profit kama sakte hai,

[@sachinkaushik8919]

Bhai esi strategy sbko btao 10%per month kmane wali

[@ramadharchouhan9705]

10% monthly highly risky

[@harsh07.50]

Oris ka invester hai kya bhai??

[@parasbagde7685]

❤❤❤good ❤❤❤

[@sam.9sam]

ऐसे झांसेमे मत आना

[@piyushmakhija2667]

Agreed 👍 2019 purchased car.. bt pandemic dekha uncertainty dekhi.. tabse sikhliya cash me lo tension free raho.. then recently purchased car and business tempo on cash.. loan free life me sahi step rahega

[@sachinphogat7715]

Mai loan leke 12 lakh tak ki gaadi khareedne ja raha tha.. lekin fir mood badla maine 550000 me alto k10 le li..ab bahut sakoon mahsus karta hu

[@weatherwings]

Le li na unsafe car. Thoda sa loan lekar solid car Leni thi, and loan timely repay karke apna CIBIL score better karna tha

[@GG-bf4vi]

@@weatherwings Jab uber book karta hai tab safety rating puch ta hai?

[@murarimohan3608]

मैंने innova गाड़ी लोन में उठाई थी फिर 4 साल तक emi भरने के लिए बुकिंग के लिए बहुत रगड़ कर मेहनत करनी पड़ी बाद में दूसरी भी ले ली अब ठीक ठाक चल रहा है 😂😂😂

[@radhekrsna007]

Totally agree with you guys to buy a vehicle in cash. You feel so relaxed not to be bothered about monthly payment. My current car is my 7th car in the last 30 years and I bought all of them in cash whether it was a used car or new. Never ever get into the debt trap.

[@naxobi1011]

Basically you're rich 🤣

[@radhekrsna007]

@@naxobi1011 you can have your opinion but the fact is I bought only till the amount I can afford. Never crossed my limits.

[@naxobi1011]

@@radhekrsna007 7 car in 30 years is rich mate not middle class

[@futuremotive8123]

​@@radhekrsna007bro I have one question when we buy a car on cash tab income tax vale nahi aate kya gharpe matlab cash pe gaadi li hai Aisa vaisa bahana banake Aapne 7 gadiya badli aur sab ki sab cash pe 😅

[@Bhushan.-gc7hr]

I am with my 2nd car in 15 years and still contemplating over a change with my current car being with me for 10 years now.. so ya 😊

[@ahots7981]

I totally agree with you guys. I am full time investor, still I opted to buy honda amaze svt on cash, considering my requirements. In spite of paying 25000 emi, I will invest 25000 every month and at the end of 3 years I will get more money as compared to car cost.

[@varunpandey6297]

6:05 7:06 7:34 8:03 9:51 12:26 14:21

[@rajendrakeshri9760]

बहुत अच्छी जानकारी, कैश में कार लेने के लिए और किन बातों का ध्यान रखना चाहिए।

[@kirtipaikaray8578]

Absolutely logical analysis and honest opinion. I really appreciated the values of your words.

[@kkazadkundankumartiwary2634]

Yes cash perches is best for your financial future. Doesn't matter your balance has decrease but you are tansion free. After all you are fullfil your dream or requirment .

[@rahulgiri9880]

Very good & genuine suggestion which I experienced after 6 years of my first purchase. Just one thing would like to add. Get the 2nd top model atleast because later as much money u put, u can’t get that fit nd finish.

[@nangkengtamuk7654]

Mera opinion he ki Main sabse phele 2nd hand car le lunga under 5lakhs Or sath sath me business pe used karunga or Paisa sehi tra se investment krke profit aya wala se main high budget car karid lunga 1 time payment system. Wo Mera opinion he.

[@palanisamy959]

FANTASTIC BHAI SAAB - SUPER ADVICE EVERY WORD IS GOLDEN WORD - THANK U VERY MUCH , U BOTH ARE ALSO DOING A GREAT SERVICE TO THE MIDDLE CLASS 😀🙏

[@Sonu-nv1gd]

3 saal ke loan pe lekar advance payment kar kar ke use chuka do , starting ke 50 percent time premium intrest me 80 percent or principle me only twenty percent jati hai , apko us time advance payment krte rehna chahiye

[@sharadpoonal8619]

Both of your way of expressing is really genuine and pleasant.

[@fardinhossain6645]

Bade Baal Wale Bhai aapne bahut acha advice di pura doubt clear ho gaya mera.. bahut bahut sukriya bhai🥺🙏🏻❤

[@rajendrashinde8709]

मेरी तो ये राय हैं की जरुरत होगी तो हीं car लेलो, status symbol ke liye मत लेना,,पैसा अपकाही जायेगा,,,, आपके व्हिडिओ बहुत informative and आम् आदमी के लिये फायदेमंद रहते हैं,,,,thanks

[@sarangshinde549]

Ye video Dil ko chooh gaya. Shat pratishat sahi points bole aapne

[@SahyadrS]

Mera budget 15 lakh ki gaadi ka budget tha. Lekin maine 12 lakh ki li. Best decision ever.

[@6.squash.936]

Very Nice video Daksh, when I bought my First Car even I was very confused about this . At 4:45 you mentioned about going out of budget I remember when I was buying my Car ,I saw a family who was on a tight budget and wanted Tata Tiago And ye showroom vale bohot hoshiyar hote hai ye log Tiago k baju me Altroz khadi krte hai 😅 Aur fhir aadmi jo Tiago lene aya tha vo Altroz EMI pe leta hai 😅 Out of Budget investment

[@SigmaChad27]

Bilkul shi bol rhe hain

[@M-nl8lv]

Gadi ya to one payment leni chahiye ya to loan lena hai to 100% loan pe kabhi nahi leni chahiye - kam se kam 50% down payment karna chahiye. Aur car purchase karne ke baad haath mein emergency fund aur thoda 1-2 lakh additional cash hona chahiye.

[@dhanpalbaxi4731]

बहुत अच्छी सलाह देते है आप , धन्यवाद 🙏

[@texperofficial]

This video Deserve more then Million views ❤

[@SigmaChad27]

Bahut shi jaankari mili me bhi kam se kam loan pr car lunga.❤

[@md_sid]

Bilkul sahi kaha bhai aap donon ne !! Zabardast !! 👌👌👌👌

[@bhagyeshvna]

Sir, become the fan of both of you. Bahot hi sahi information di hai apne…kafi log ye video dekh ke trap se bach jayenge…Thank you 👍🏻

[@mr.Indianrider13]

Bahi 1 subscriber aapke real talking thing ke liye ❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤

[@AnkitSharma-ts9mt]

Sir me tata Nexon ka base model Lana chhata hu or me aadhi payment kar du or baaki loan kar du to kasa hoga or ek foji benda hu 1 lakh ka mara ko benee fit be milaga please 🙏 bato aap kay Rai hai

[@Learn-k5b]

second hand gadi leni chahiye ya nyi show room se gadi leni chahiye? kisme jada fhyada hoga

[@akshaydubey504]

I believe you can always hedge your EMIs if you're smart, buying a car by paying the 20 lakh upfront if you come from a middle class family is the biggest mistake you can do. If you have that much money you should invest it wisely and EMI is not a burden if planned perfectly. All that being said do not buy any car on EMI which takes more than 20% out of your pocket from your monthly income. This is the general rule.

[@ajayraval3747]

Most wise advice. I am planning to do the same. Planning to buy 17 lacs worth car. I have the money but I am planning to invest that in mutual funds, stocks and debt funds. I will buy the car on loan.

[@suryapartap7095]

emi is always a burden.

[@sunnysonker5380]

​@@ajayraval3747right if u just invest the amount the amount in small cap funds tum loan ki emi me pese bachane se jada bna rhe hoge because min returns of small cap funds are around 28-30% yearly jo ki loan ke intrest 9-12% se bhut jada hai aur compounding me aur bhi bna skte ho aur agar khud investment Krna suru kro to 30-40% yearly aram se bna skte ho

[@jeevanchauhan9448]

I am planning a car, I feel lucky that I came across this video... Great work! 👏

[@DakshKaPaksh]

Glad it was helpful!

[@Zak-jz9ik]

The knowledge you guys provide is priceless. Have watched many of your videos and I'll say what you talk about is absolutely real!

[@anjub7405]

बहुत अच्छी सलाह है! ते ते पाऊँ पसारिये जेती लाम्बी सौर!

[@devsen05]

I have been seeing multiple videos about buying my first car. This is the most informative video I found which helped me take a decision. Thanks 👍

[@DakshKaPaksh]

Glad it was helpful!

[@adityaprasaddash5204]

This is called personal experience and deviate little bit from KZbinr! Sir you are a very good person 😊

[@DakshKaPaksh]

🙏

[@Drnagaraja]

V inteligently said ... really perfect what you are telling.... one payment is always best... I too had bought my first car in loan.. but its no practical.. now whichever i buy , i buy under full online payment.

[@AjayDagar886]

60 % downpayment 40% loan and that 40 % should be invested too.

[@panjayprajapati2603]

Bas sunney me acha lgta hai

[@laxmanthakur3628]

sir ji me to vdo dekhne se pehle hi like kar diya

[@laxmanthakur3628]

vdo laajawab he ,Puri clarity aa gayi

[@tapendrathapliyal3970]

One payment is always good, apkie sujhav bahut tarksangat hein.tate paon pasariye Jatin lambi sor.

[@MayankKumar-y6h7d]

Ekdam sahi bataya navneet ji and daksh ne, even I think the same

[@aditya21210]

*Car loan* ₹7 lacs Tenure= 5 years ROI= 9% Total interest payable = ₹1.71 lacs *FD* ₹7 lacs Tenure= 5 years ROI= 7.25% Total interest reward= ₹2.85 lacs

[@ramearju]

How much interest payable % in fd 2%

[@aditya21210]

@@ramearju 2% ki koi fd nahi hoti

[@raghavendrats8204]

Veey very very sensible talk/discussion. And also educational purpose too. Thank you Daksh bro

[@Goyatmusicco]

मैने लोन पर गाड़ी ली monthly emi 7790 रुपए और बचते पैसों से खाली प्लॉट में मकान बना लिया उसका रेंट 11000 per month आ रहा है ।। सारा पैसा गाड़ी लेने में लगा देता तो ये सोर्स ऑफ इनकम जनरेट ना होता और 5 साल बाद 7790 की क्या वैल्यू होगी ?? जबकि मकान की बढ़ती जाएगी वैल्यू

[@yogeshbidhuri1527]

Badhiya video thi bhai pura demotivate kr diya acha laga 😢

[@rajendersinghsingh2990]

NICE ADVICE. I AM GOING TO PURCHASE IN CASH ONLY. NO LOAN BUSINESS.

[@avsisters3685]

Aap logon ki Rai badi kaam ki hai..bhai Log Logon me awareness paida karte ho is ke liye Thanks. Ek baat share kar raha hu. Maine 2010 me New Mahindra XYLO Purchase ki thi aur abhi bhi mere pass hai. Jo kewal 67000 KM chali hai 14 saal me, kyonki Mai ek service men hu. Chunki sirf office aane jane ke liye chalti hai regularly 20 km. Aur kabhi kabhi bahar bhi. 5 saal Loan liya tha jiski EMI 15000 thi. Loan toh pura complete Kiya Maine 5 saal me. Ab iski resale value kitni milegi . Please batayiye.. Thank you Abhi kitne me bikni chahiye ye batana please

[@manishpatel-gh2ym]

Bro I have to purchase new car my budget is 10l in Emi we are three people family and it's my first car which one you suggest

[@kunalvelly9161]

Petrol diesel ev cng kon se Lu

[@balrajbansal89216]

सर जी किसी चतुर आदमी ने लोन के बारे में सच कहा है कि लो न मतलब लोन नहीं लेना चाहिये चाहे कितने ही कम ब्याज पर मिलता हो

[@krishnatiwari3566]

भाई साहब उसका हिंदी नाम कर्जा भी होता है मतलब की कोई भी काम लोन लेके कर जा। = कर्जा

[@story247.]

Karja ke baad marja 😂​@@krishnatiwari3566

[@sunnysonker5380]

Bilkul galat koi business minded admi most things loan pe leta hai 1) tax benifit 2) 10 lakh ki car ko cash ki jagha business me lagye to saal me double kr skte hai aur jada bhi 3) cibil score jo ki aage aur kyi jgha kaam ata hai Even economy bhi bina loan ke nhi chalti loans are need for betterment (but utna hi lo Jo ki de sko )

[@agribeastfarmlifeatozkodag7727]

Excellent.. A Good one in every sense..

[@AavyaanSharma]

Maine Dzire 2014 me 6.5 lakh cash me li thi..aaj bhi 3 lakhs me resale ho sakti hai..Cash me hi gadi lena chahie..nahin to maximum downpyment karke hi gadi leni chahie..loan kam se ka. 40%

[@harishtyagi1525]

बढिय़ा जानकारियां दी आपने.धन्यवाद

[@time2growWithHetal]

Good job daksh, you give right information. It helps a lot. Thank you

[@ahteshamshaikh5043]

very informative video very well explain navneet sir is very knowledgeable Thank u guys

[@mohinudeenkhan4517]

This guys are really true speaking

[@allergyasthma6407]

मुझे बताए k क्या मैं Tiago ev लू।।।मेरे पास alto amt hai.or sonet diesel automatic h... running 2500 km per month h.kya Alto sale kar k .ev lu...sonet ka loan clear ho gaya h.pl advice

[@amritpalsingh3715]

10 Lakh ki car cash leni ho to us per tax kitna padta hai

[@rajmohanpaswan6928]

You both told such beautiful things, it will open people's eyes. Thank you very much to both of you

[@pushpendrasingh8277]

Uncle bahut dil se baat krte h bilkul apnapan sa mehsoos hota h , uncle ye waiting period scam and mandatory accessories purchasing for quick delivery and no negotiation scam pr bhi khulkar apna opinion dijiye

[@healthhundred]

Great information sir ✅✅✅

[@jatinmehta1343]

🤗🤗🤗Loan par gadi lene se used car case in hand lena sahi hai🤗🤗🤗

[@sawan005]

Used car ka interest rate zada hota h

[@Ajaykumar-vj1nt]

Tabhi toh cash par lo bhai used car ​@@sawan005

[@lakshaykumar4107]

सही बात है आप की भाई ❤❤❤❤❤

[@moolsinghrao6646]

❤❤❤ बहुत अच्छा समझाया

[@sunilkumaragarwal8054]

You are very much correct. Mainly our youth and parents with less education fall victim of vehicle loan. It is really difficult to pay back the loan and interest.

[@manvendrapratapsingh9173]

sir apki baat bohot sahi lagi me muze ek new gadi leni thi and me budget se bahar jake soch raha tha verna le lu top model and 5 saal ki emi karva lu lekin ab 6 se 7 mahine thoda wait karu ga lekin fulll payment pe gadi lunga kyuki life is unpredictable and ek baar full payment karke peace of mind jada sahi hai chahe thoda base model lena pade and ab virtus 1.0 bhi test drive karu ga 🙏

[@HemantaKumarSahu279]

Thank you sir 🙏 Best guidence new buyers 🙏 Best video & help full

[@yogeshpatil1353]

Bhai main toh ek baat samajh gaya car lena puri faltu ki baat haii, ese acchha toh woh money kahi pe invest kar na beheter hai (mutual fund, property) aur car ka kya hai uske 2-3 month main purani hone ki vajah se uski value kam ho jaati hai, aur property ki value, mutual fund ki value apne aap badhti hai 👍..

[@mydreamjob6716]

Bhai aapne sahi bola...but aap BANKwale loan paper me Jo clause dalate hai wo bataoo...new video me

[@vijendralaad5461]

Bahut badhiya Bhai. aapne dil ❤se bataya

[@gyaniadmi2347]

You are doing a good job by giving this information 😊

[@arushthenxfitness4832]

Bhai honest video hats off👏👏

[@bhupeshyadav472]

EMI pe gaadi lene ka sabse bada fayda ....agar aapki gaadi accident ho gayi ya chori ho gayi aur aapka zero debt ka insurance h to baaki ka loan bank dega❤❤

[@arvindbhatt7272]

Sahi kaha 1lakh me santro 2me i10 3me swift 4mei20 5me Breza bahut old cars mil jati hai cash hath me ho

[@SunilKumar-gj6jr]

Csd se leni ho to kase lee bhai ji

[@wb52Rider139]

Vi ji apne sehi bola, I agree with you.

[@shaunakmukherjee823]

Really 100% recommend video.❤

[@shrikantshandilaya2757]

Kya old car leni chahiye Sir,iske uper vedio jarrori banana

[@abhinavlal28]

Kabi b full payment me suggested nai hoti. Loan pe lo and jitna ka emi amount hai uske 10% ka investment krdo. After 5 years, gaadi interest free hogi. Smart bano.

[@the7thwanderer]

Great Honest opinions by you guys, Keep up the good job of making such informative videos & btw you just earned a subscriber 👍

[@rudraksharora9188]

Thank you so much for this video , was planning a car or loan but ye video dekh ke pta chal gya sach

[@MuppalProfact]

Thanks bhai, bahut simple way samjhaya. Clear kar ke diya.

[@akshayghali7200]

This was a great video..impulsive buying should never be done! 💯

[@sanjaymanchanda4272]

बोहोत अच्छा नॉलेज देते हैं आप है, कृपया यह भी कवर करने की ये कार की स्क्रैप पॉलिसी किया है

[@DakshKaPaksh]

Sure very soon

[@mahakaal1227]

Thnx bhai.aap ne meri problem solve kar di

[@chhetrichayan784]

You didnt mention one thing, do 70% downpayment 30 percent loan if needed. Cuz one most important thing is loan gives you a boost in CIC scores CIBIL scores which cash paid vehicle doesnt.

[@RNH-x1K]

Very very informative video...,👍👍

[@NiteshKumar-pr6ww]

You both shared good information and opinion,I understood what we should do, thanks.