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| | #1 (permalink) |
| BANNED | Guys, If you read the ' what car ' thread you must be aware that Im lookig to go in for the Innova G4 sometime soon ( within this month ) .... So I got talking to the bank guys and the following is what two guys are offering and strangely both working with HDFC Loan Deptt ... and they offering two diff figures ...... Agent X Loan Amount -- 8,04,00 EMI ( 5 yrs ) -- 17765 per month + another discount of Rs 4000 . Another condition is that I get insurance done from them only , which basically means Bajaj Allianz as the insurer -- if I dont then the EMI goes upto Rs 18,008 !! Agent Y Loan Amount -- 8,04,00 EMI ( 5 yrs ) -- 17808 per month + another discount of Rs 22000 . No fuss about getting it done from them . Both are with one advance EMI . Do you guys think this is a good deal or should I sniff around with other banks as well -- though Im definitely going with ICICI !! Anyone out there who has recently gotten a car financed recently .??? Cheers |
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| | #2 (permalink) |
| Team-BHP Support ![]() | Option1(Bajaj) 1065900-4000 = 1061900 Option 1(no bajaj) = 1076480 Option2 Outflow :1046480 your emi with option 2 is at 12% and option 1 is at 11.9% or so. Option 2 makes more sense. Don't you know anybody in SBI or something. You pay less and don't have to keep a hand on your pocket to protect from pickpockets
__________________ Reclaimed, wrung dry and recycled....! |
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| | #3 (permalink) | |
| BANNED | Quote:
Cheers | |
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| | #4 (permalink) |
| BHPian | Khaadu, got my swift financed from Citibank @11.5%. Pricipal: 4,00,000 Tenure: 5 Yrs. Processing fee of Rs. 1200 EMI of Rs. 8712 Since your loan amount is high, you will get better rate I guess. If you want I can give you the number of the contact person. And I directly took loan from the bank, I guess no DSA was involved. I guess last month, toyota was offering Innova at reduced ROI and I am seeing many new Innova's on the Gurgaon road offlate. |
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| | #5 (permalink) |
| Senior - BHPian | khaadu what I know is Bajaj allianz Insurance works best with Toyota or at least in Bangalore because Toyota showrooms have tie up with them so claim will be almost cashless. I know people in Bajaj Insurance so I have got very good deal whenever I renewed my insurance premium I am ready to help any one If someone wants to renew!About both the options I feel one and the same both the options wokrs out same however it looks like option 2 is better one. Loan with National banks is bettter than private banks but we need to know someone in National Banks for speedy processing otherwise they will check our patience by asking so many documents although now a days they improved a bit. Regards, Ravi. |
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I am ready to help any one If someone wants to renew!
