{"id":2240,"date":"2017-12-28T09:07:39","date_gmt":"2017-12-28T09:07:39","guid":{"rendered":"http://tvswp.ap-south-1.elasticbeanstalk.com/?p=2240"},"modified":"2026-02-17T08:40:30","modified_gmt":"2026-02-17T03:10:30","slug":"top-5-things-to-consider-before-going-for-a-consumer-durable-loan","status":"publish","type":"post","link":"https://www.tvscredit.com/blog/consumer-loans/top-5-things-to-consider-before-going-for-a-consumer-durable-loan/","title":{"rendered":"कंज़्यूमर ड्यूरेबल लोन लेने से पहले इन 5 चीज़ों पर विचार करें"},"content":{"rendered":"\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Be it scorching summer heat or freezing winter cold, the demand for home appliances and electronic gadgets will never cease. You will want to buy consumer durable products like mobile phones, laptops, music systems, air conditioners, washing machines, televisions, microwaves, and refrigerators. Retailers and banks are alluring customers with various discount offers and financing options. Although one of the most popular options is a credit card, take a look at another option i.e. consumer durable loans, before you swipe your credit card.\u0027 Localize=\u0027true\u0027\u003eचाहे तपती गर्मी हो या जमाने वाली सर्दी, घरेलू उपकरणों और इलेक्ट्रॉनिक गैजेट्स की मांग कभी खत्म नहीं होगी। आप मोबाइल फोन, लैपटॉप, म्यूजिक सिस्टम, एयर कंडीशनर, वॉशिंग मशीन, टेलीविज़न, माइक्रोवेव और रेफ्रिजरेटर जैसे कंज़्यूमर ड्यूरेबल प्रोडक्ट खरीदना चाहेंगे। रिटेलर और बैंक विभिन्न डिस्काउंट ऑफर्स और फाइनेंसिंग विकल्पों के साथ कस्टमर्स को आकर्षित कर रहे हैं। हालांकि सबसे लोकप्रिय विकल्पों में से एक क्रेडिट कार्ड है, लेकिन अपने क्रेडिट कार्ड को स्वाइप करने से पहले कंज़्यूमर ड्यूरेबल लोन जैसे दूसरे विकल्प पर भी एक नज़र डालें.\u003c/span\u003e\u003c/p\u003e\u003ch2 data-en=\u0027Consumer Durable Loans – Why?\u0027 Localize=\u0027true\u0027\u003eConsumer Durable Loans – Why?\u003c/h2\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 Localize=\u0027true\u0027\u003eकंज्यूमर ड्यूरेबल लोन वे लोन हैं जो आपको आसान EMI पुनर्भुगतान विकल्पों पर प्रोडक्ट खरीदने के लिए बैंकों द्वारा प्रदान किए जाते हैं. इसके अलावा, आपको लोन लेने के लिए पर्सनल एसेट को जोखिम में नहीं डालना पड़ता है और आपको तुरंत अप्रूवल प्राप्त होता है. इसके अलावा, अन्य लोन की तुलना में \u003ca style=\u0022display: initial; color: #4472c4;\u0022 href=\u0022/hindi/loans/consumer-durable-loans/eligibility-and-documents/\u0022\u003eपात्रता मानदंड\u003c/a\u003e सख्त नहीं हैं और बहुत ही कम डॉक्यूमेंटेशन की ज़रूरत होती है.\u003c/span\u003e\u003c/p\u003e\u003ch2 data-en=\u0027Consumer Durable Loans – How?\u0027 Localize=\u0027true\u0027\u003eConsumer Durable Loans – How?\u003c/h2\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027If you are planning to go for consumer durable loans, take a look at some of the most important things you must consider before you go for it…\u0027 Localize=\u0027true\u0027\u003eअगर आप कंज़्यूमर ड्यूरेबल लोन लेने की योजना बना रहे हैं, तो इसका विकल्प चुनने से पहले आपके विचार योग्य कुछ सबसे महत्वपूर्ण चीज़ों पर एक नज़र डालें\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong data-en=\u00271. Interest rate\u0027 Localize=\u0027true\u0027\u003e1. ब्याज दर\u003c/strong\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027While getting the \u0027 Localize=\u0027true\u0027\u003eअगर आप ले रहे हैं \u003c/span\u003e\u003ca href=\u0022https://www.tvscredit.com/hindi/loans/consumer-durable-loans/\u0022\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027consumer durable loans\u0027 Localize=\u0027true\u0027\u003eकंज़्यूमर ड्यूरेबल लोन\u003c/span\u003e\u003c/a\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027, the rate of interest should be one of the most important deciding factors, as it decides the extra amount that you have to pay other than the actual price of the product. Generally, the interest rate is low in CD loans as compared to that of credit cards or other types of loans. Some financial institutions also provide 0% interest offers on a specific range of consumer durable products.\u0027 Localize=\u0027true\u0027\u003e, तो ब्याज दर सबसे महत्वपूर्ण निर्णायक कारकों में से एक होनी चाहिए, क्योंकि यह निर्धारित करती है कि आपको प्रोडक्ट की कीमत के अलावा कितनी अतिरिक्त राशि का भुगतान करना होगा। आमतौर पर, क्रेडिट कार्ड या अन्य प्रकार के लोन की तुलना में सीडी लोन की ब्याज दर कम होती है। कुछ फाइनेंशियल संस्थान कंज़्यूमर ड्यूरेबल प्रोडक्ट की विशिष्ट रेंज पर 0% ब्याज का ऑफर भी प्रदान करते हैं.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong data-en=\u00272. Tenure\u0027 Localize=\u0027true\u0027\u003e2. अवधि\u003c/strong\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027The tenure of a consumer durable loan is the number of months that you will have to pay instalments and the amount to be paid every month. Usually, the number of months of tenure is between 3 to 24 months. However, it again depends on the financial institution and the product that you are buying. It is advisable to go for a low tenure so that you can repay off the loan as soon as possible without losing on to a lot of money as interest.\u0027 Localize=\u0027true\u0027\u003eकंज़्यूमर ड्यूरेबल लोन की अवधि बताती है कि आपको कितने महीनों तक हर महीने समान मासिक किश्तों की राशि का भुगतान करना होगा। आमतौर पर, यह अवधि 3 से 24 महीनों के बीच होती है। हालांकि, यह फिर से फाइनेंशियल संस्थान और आपके द्वारा खरीदे जा रहे प्रोडक्ट पर निर्भर करता है। हम आपको छोटी अवधि चुनने की सलाह देते हैं ताकि आप ब्याज के रूप में बहुत ज्यादा राशि का भुगतान किए बिना जल्द से जल्द लोन चुका सकें.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong data-en=\u00273. Down payment\u0027 Localize=\u0027true\u0027\u003e3. डाउन पेमेंट\u003c/strong\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Generally, the banks provide loans for 80 to 95 percent of the total amount of product which means you have to pay rest of the amount as the down payment. So, make sure you check these details before applying for the loan so that you can be ready for the down payment amount.\u0027 Localize=\u0027true\u0027\u003eआमतौर पर, बैंक प्रोडक्ट की कुल राशि के 80 से 95 प्रतिशत तक के लिए लोन प्रदान करते हैं, जिसका मतलब है कि आपको शेष राशि का भुगतान डाउन पेमेंट के रूप में करना होगा। इसलिए, लोन के लिए अप्लाई करने से पहले इस विवरण को चेक करना न भूलें ताकि आप डाउन पेमेंट की राशि के लिए खुद को तैयार कर सकें.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong data-en=\u00274. Hidden costs\u0027 Localize=\u0027true\u0027\u003e4. छिपी हुई लागतें\u003c/strong\u003e\u003c/p\u003e\u003cp data-en=\u0027The offer may state that there is 0 percent interest on a specific range of products. However, there can be other charges like processing fees. Also, there are clauses like you can not avail any discount on that product if you are going for a CD loan. So, it is quite possible that the ultimately you lose money in one way or the other.\u0027 Localize=\u0027true\u0027\u003eऑफर में यह कहा जा सकता है कि किसी विशिष्ट प्रोडक्ट की रेंज पर 0 प्रतिशत ब्याज है. हालांकि, इसमें प्रोसेसिंग फीस जैसे अन्य शुल्क शामिल हो सकते हैं. इसके अलावा, ऐसी शर्तें भी हो सकती हैं कि अगर आप सीडी लोन ले रहे हैं, तो आप उस प्रोडक्ट पर किसी डिस्काउंट का लाभ नहीं ले सकते हैं. इसलिए, इस बात की बहुत संभावना है कि आपको अंततः इस तरह से या उस तरह से पैसे गवाने ही पड़ेंगे.\u003c/p\u003e\u003cp\u003e\u003cstrong data-en=\u00275. Documentation\u0027 Localize=\u0027true\u0027\u003e5. डॉक्यूमेंटेशन\u003c/strong\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Consumer durable loans are one of the easiest loans to avail because of the minimal documentation. All you need to submit is your identity proof, address proof, and income proof and you can avail instant approval.\u0027 Localize=\u0027true\u0027\u003eन्यूनतम डॉक्यूमेंटेशन के कारण कंज़्यूमर ड्यूरेबल लोन सबसे आसानी से लिए जा सकने वाले लोन में से एक हैं। आपको बस अपना पहचान प्रमाण, पता प्रमाण और आय प्रमाण सबमिट करना होगा और आप तुरंत अप्रूवल प्राप्त कर सकते हैं.\u003c/span\u003e\u003c/p\u003e","protected":false},"excerpt":{"rendered":"\u003cp data-en=\u0027Be it scorching summer heat or freezing winter cold, the demand for home appliances and electronic gadgets will never cease. You will want to buy consumer durable products like mobile phones, laptops, music systems, air conditioners, washing machines, televisions, microwaves, and refrigerators. Retailers and banks are alluring customers with various discount offers and financing options. [\u0026hellip;]\u0027 Localize=\u0027true\u0027\u003eचाहे तपती गर्मी हो या जमाने वाली सर्दी, घरेलू उपकरणों और इलेक्ट्रॉनिक गैजेट्स की मांग कभी खत्म नहीं होगी. आप मोबाइल फोन, लैपटॉप, म्यूजिक सिस्टम, एयर कंडीशनर, वॉशिंग मशीन, टेलीविज़न, माइक्रोवेव और रेफ्रिजरेटर जैसे कंज्यूमर ड्यूरेबल प्रोडक्ट खरीदना चाहेंगे. खुदरा विक्रेता और बैंक विभिन्न छूट प्रस्तावों और वित्तपोषण विकल्पों के साथ ग्राहकों को आकर्षित कर रहे हैं. 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