Ke hoʻolālā nei e kūʻai i kaʻa hou?
ʻO ka mea mua āu e nānā ai, ʻo ia kāu helu ʻaiʻē. Ma mua o kou koho ʻana i kaʻa, e hoʻolālā i kāu EMI a hoʻomākaukau i kāu kālā pono ʻoe e ʻike inā e loaʻa ana ʻoe i kahi hōʻaiʻē a i ʻole.
ʻO ka helu ʻaiʻē ka mea nui loa e noʻonoʻo ai nā panakō i ka wā e ʻae ai i kahi hōʻaiʻē. ʻOi aku ka nui o nā hōʻaiʻē kaʻa a me nā noi kāleka hōʻaiʻē.
Ma muli o kāu helu'ai'ē, ua wehewehe pū'ia kāu uku ukupanee. Hiki iā ʻoe ke mālama i kahi kālā kūpono no ka manawa me ka helu ʻaiʻē kiʻekiʻe.
Aia ka helu ʻaiʻē ma waena o 300-850. I ka hihia o ka noi ʻana i kahi hōʻaiʻē kaʻa, ʻo ka helu ʻaiʻē liʻiliʻi loa e loaʻa ai ka ʻae ʻia ʻo 730. Eia naʻe, loaʻa paha iā ʻoe ka uku panee kiʻekiʻe ma mua o ka maʻamau.
Inā ʻo 750 a ʻoi paha kāu helu, e loaʻa iā ʻoe ka ʻae koke a hiki i ka 90% o ke kumukūʻai ex-showroom o ke kaʻa āu e koho ai.
ʻOi aku ka maikaʻi e ʻōlelo wau pono ʻoe i ka helu ʻaiʻē o 750 e like me ka hapa nui o nā CA a me nā loea kālā.
Akā mai koʻu ʻike pilikino, ua loaʻa iaʻu kahi hōʻaiʻē kaʻa me ka helu ʻaiʻē o 730.
I kekahi mau mahina i hala aku nei ua kūʻai aku i kaʻu kaʻa mua - he Hyundai Venue SX. I koʻu wā ʻōpio, ʻaʻohe oʻu moʻolelo hōʻaiʻē makahiki.
Akā, ua loaʻa iaʻu he 7 mahina o ka mōʻaukala kālepa kāleka hōʻaiʻē e kākoʻo i kaʻu noi hōʻaiʻē.
Ua hana hewa wau i ka uku ʻole ʻana i ka bila kāleka hōʻaiʻē i ka manawa - manaʻo wau ua hoʻonohonoho pono wau i ka hiʻohiʻona auto-debit a e uku ʻia ka bila me kaʻu ʻole.
ʻAʻole pēlā. Ua pau au i ka nalo ʻana i 2 mau uku a ua iho kaʻu helu ʻaiʻē i 730.
Ua ʻae ʻia kaʻu hōʻaiʻē me ka panakō ICICI.
ʻO kaʻu mea i aʻo ai ma ke kaʻina hana he ʻekolu mau haʻawina nui:
- E ʻimi mau i ka helu ʻaiʻē o 750 a i luna
- Loaʻa mau i nā palapala loaʻa kālā
- Mai poina i ka uku mahina ma nā kāleka hōʻaiʻē a me nā hōʻaiʻē
ʻOiai hiki ke loaʻa kahi hōʻaiʻē kaʻa ma 730 aie helu, pono ʻoe e hoʻāʻo e hoʻomaikaʻi a lawe iā ia ma luna o 750. ʻO ia ka helu kūpono e lilo i mea kūʻai kālā kūpono i nā maka o nā ʻoihana kālā.
ʻO nā helu ma lalo o 750 e manaʻo ʻia he ʻilihune haʻahaʻa.
'O ia ho'i, ua hala 'oe i ka uku, ua ho'opa'i 'ia 'oe no ka ho'oka'ulua 'ana i ka bila a i 'ole he mau 'ae. He moeʻuhane kēia mau mea a pau iā ʻoe no ka mea, ua hoʻokuʻu ʻia nā panakō i kekahi noi me ka uku paʻamau a i ʻole nā uku i kā lākou hōʻike hōʻaiʻē.
ʻO nā panakō India maikaʻi loa e kiʻi i ka ʻae ʻana i ka hōʻaiʻē kaʻa wikiwiki me ka helu ʻaiʻē liʻiliʻi o 730 ʻo HDFC, ICICI a me IndusInd.
Manaʻo wau ua loaʻa iā ʻoe ka pane i kāu nīnau. ʻO ka hana hou aʻe, ʻo ia ke noi ʻana i kahi hōʻaiʻē kaʻa me ka liʻiliʻi o 20% o ka uku hoʻoiho ma ka lima. Inā ʻoi aku kāu helu ʻaiʻē ma luna o 750, e loaʻa iā ʻoe ka 90% o ke kumukūʻai ex-showroom o ke kaʻa.
E mālama pono ʻoe i ka liʻiliʻi he 20% o ke kumukūʻai kaʻa e uhi i ka ʻinikua, ʻauhau a me nā kumu kūʻai ʻole ʻē aʻe e hiki mai ana.
He mau nīnau? E haʻi mai iaʻu ma ka waiho ʻana i kahi manaʻo ma lalo.
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