Ab Bina Down Payment Diye Ghar Aayegi Car, Jaaniye Kaise!
Har kisi ka sapna hota hai ki uski apni ek car ho. Lekin jab car khareedne jaate hain, to sabse badi rukawat banta hai down payment – yaani shuruaat mein di jaane wali moti rakam. Kai baar 1-2 lakh rupaye ek saath ikattha karna mushkil ho jaata hai aur car ka plan cancel ho jaata hai.
Lekin ab aapko tension lene ki zaroorat nahi hai! Market mein ab “Zero Down Payment Car Loan” ka option aa gaya hai, jisse aap bina ek bhi rupaya diye, apni sapno ki car ghar la sakte hain. Aaiye is scheme ko aasaan bhasha mein samajhte hain.
Kya Hai Yeh Zero Down Payment Car Loan?
Jaisa ki naam se hi saaf hai, is loan mein aapko car ki on-road price ka 100% paisa loan par mil jaata hai. Aam taur par, bank aapse car ki keemat ka 10% se 20% hissa down payment ke roop mein maangte hain. Maan lijiye car 8 lakh ki hai, to aapko 80,000 se 1,60,000 rupaye tak pehle dene padte hain. Zero down payment scheme mein aapko yeh poora 8 lakh rupaye ka loan mil jaata hai.
Iske Fayde Aur Nuksaan (Pros and Cons)
Har cheez ke do pehlu hote hain. Yeh scheme sunne mein jitni achhi lagti hai, iske kuch fayde aur nuksaan bhi hain.
Fayde (Pros):
- Turant Car Ghar Layein: Aapko down payment ke liye paise jodne ka intezaar nahi karna padta.
- Cash Bachayein: Aapke paas jo saving hai, woh emergency ke liye ya kahin aur invest karne ke liye bach jaati hai.
- Process Aasan: Loan ka process bhi jaldi ho jaata hai.
Nuksaan (Cons):
- EMI Zyada Hogi: Kyunki aapka loan amount badh jaata hai, isliye har mahine ki kisht (EMI) bhi zyada aayegi.
- Byaaj (Interest) Zyada Lagega: Bank ismein risk zyada maante hain, isliye normal car loan ke mukabale iska interest rate thoda zyada ho sakta hai.
- Loan Ki Avadhi Lambi: EMI kam karne ke chakkar mein aapko loan चुकाने ke liye zyada samay (tenure) milta hai, jisse aap kul milakar zyada byaaj bharte hain.
5 Zaruri Baatein Jo Loan Lene Se Pehle Jaan Le
- Credit Score Majboot Hona Chahiye: Bank yeh loan har kisi ko nahi dete. Iske liye aapka CIBIL ya Credit Score 750 se upar hona bahut zaroori hai. Isse bank ko bharosa hota hai ki aap time par EMI chuka denge.
- Aapki Income Dekhi Jaati Hai: Bank yeh bhi dekhta hai ki aapki mahine ki kamayi itni hai ya nahi ki aap badi hui EMI aaram se de sakein.
- Har Car Par Offer Nahi: Yeh scheme aksar popular car models par ya festive season (Diwali, New Year) ke time par milti hai. Ho sakta hai aapki pasand ki car par yeh offer na ho.
- Processing Fees Aur Hidden Charges: Loan lene se pehle processing fees, file charge aur doosre chhupe hue charges ke baare mein zaroor pooch lein.
- Bank Se Rishta: Agar aapka kisi bank mein purana account hai aur লেনদেন achha hai, to aapko yeh loan milne ke chance badh jaate hain.
Kaun se Banks Dete Hain Yeh Loan?
Bharat mein kai sarkari aur private banks samay-samay par zero down payment schemes laate rehte hain. Inmein State Bank of India (SBI), HDFC Bank, ICICI Bank, Axis Bank aur doosre kai Non-Banking Financial Companies (NBFCs) shaamil hain. Behtar hoga ki aap car lene se pehle alag-alag banks mein is offer ke baare mein pata karein.
FAQs (Aksar Puche Jaane Wale Sawaal)
Car ke liye koi paisa nahi dena padta, lekin aapko processing fees aur RTO/insurance jaise kuch shuruaati kharche dene pad sakte hain.
Chance kam hain. Is loan ke liye bank aksar 750 se upar ka CIBIL score maangte hain. Pehle apna score sudhaarein.
Haan, aam taur par iska interest rate normal car loan se 0.50% se 1% tak zyada ho sakta hai.
Yeh bahut rare hai. Aam taur par yeh offer sirf nayi gaadiyon par hi milta hai.
Also read, Dusshehra Offers Ka Dhamaka: Tyohaaron Mein Gaadi Kharido, Lakhon Bachao!
Aakhri Salah
Zero Down Payment Car Loan un logon ke liye ek vardaan hai jo ek saath moti rakam nahi de sakte, lekin car unki zaroorat hai. Lekin is loan ko lene se pehle apni jeb zaroor dekh lein. Kya aap har mahine badhi hui EMI de payenge? Iska faisla soch-samajhkar hi lein. Jaldbazi mein liya gaya faisla aage chalkar aapke liye financial bojh ban sakta hai.
Aapka is baare mein kya kehna hai? Kya aap aisa loan lena pasand karenge? Neeche comments mein apni raay batayein aur is jaankari ko apne doston ke saath share karein!
Jaankari Ke Liye
- BankBazaar ya PaisaBazaar: Alag-alag banks ke car loan offers compare karne ke liye.
- Official Bank Websites (SBI, HDFC, etc.): Kisi bhi scheme ki sabse sahi jaankari ke liye hamesha official website check karein.
Nitesh Aggarwal is a cars and automobiles expert and a key contributor at Finance Wizzy, where he guides readers through the complexities of the auto market. With years of hands-on experience working directly in the car sales industry, Nitesh brings an invaluable insider’s perspective to every article.
