कार ऋण vs व्यक्तिगत ऋण — Which Is Cheaper for a Car?
कार ऋण at 9% vs व्यक्तिगत ऋण at 14% for ₹8 लाख over 5 वर्ष: कार ऋण EMI ₹16,607 (कुल ब्याज ₹1.96L) vs व्यक्तिगत ऋण EMI ₹18,622 (कुल ब्याज ₹3.17L). कार ऋण saves ₹1.21 लाख.
Monthly EMI
₹16,607
Total Interest
₹1,96,401
Total Payment
₹9,96,401
Car loan rates typically range 8.5%–12% p.a. depending on lender, credit score, and car type. Down payment (10–20%) reduces loan amount and total interest significantly.
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