{"id":2199,"date":"2017-12-28T08:16:29","date_gmt":"2017-12-28T08:16:29","guid":{"rendered":"http://tvswp.ap-south-1.elasticbeanstalk.com/?p=2199"},"modified":"2026-02-17T08:36:11","modified_gmt":"2026-02-17T03:06:11","slug":"buying-a-used-car-on-a-loan-here-are-6-things-you-must-know","status":"publish","type":"post","link":"https://www.tvscredit.com/blog/used-car-loans/buying-a-used-car-on-a-loan-here-are-6-things-you-must-know/","title":{"rendered":"Buying a used car on a loan? Here are 6 things you must know"},"content":{"rendered":"\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027When it comes to buying a vehicle today, you are spoilt for choice. The competition amongst automobile manufacturing companies is soaring, resulting in more options at affordable rates. The second-hand car industry is growing by leaps and bounds. Gone are the days when buying a used car was a challenge. Millennials especially tend to change cars after every few years resulting in the continuous addition to the pool of used cars. Today, you can not only buy it from the owners, but also from the certified used car dealers.\u0027 Localize=\u0027true\u0027\u003eಇಂದು ವಾಹನವನ್ನು ಖರೀದಿಸುವ ವಿಷಯಕ್ಕೆ ಬಂದಾಗ, ನೀವು ಆಯ್ಕೆಗಾಗಿ ಕಷ್ಟಪಡುತ್ತೀರಿ. ಆಟೋಮೊಬೈಲ್ ಉತ್ಪಾದನಾ ಕಂಪನಿಗಳಲ್ಲಿನ ಸ್ಪರ್ಧೆಯು ಹೆಚ್ಚುತ್ತಿದೆ, ಇದರಿಂದಾಗಿ ಕೈಗೆಟಕುವ ದರಗಳಲ್ಲಿ ಹೆಚ್ಚಿನ ಆಯ್ಕೆಗಳಿವೆ. ಸೆಕೆಂಡ್-ಹ್ಯಾಂಡ್ ಕಾರ್ ಉದ್ಯಮವು ಅಗಾಧವಾಗಿ ಬೆಳೆಯುತ್ತಿದೆ. ಬಳಸಿದ ಕಾರನ್ನು ಖರೀದಿಸುವುದು ಸವಾಲು ಎಂದೆನಿಸುವ ದಿನಗಳು ಹೋಗಿವೆ. ಮಿಲೇನಿಯಲ್‌ಗಳು ವಿಶೇಷವಾಗಿ ಪ್ರತಿ ಕೆಲವು ವರ್ಷಗಳ ನಂತರ ಕಾರುಗಳನ್ನು ಬದಲಾಯಿಸಲು ಒಲವು ತೋರುತ್ತಾರೆ, ಇದರ ಪರಿಣಾಮವಾಗಿ ಬಳಸಿದ ಕಾರುಗಳ ಪೂಲ್‌ಗೆ ನಿರಂತರ ಸೇರ್ಪಡೆಯಾಗುತ್ತದೆ. ಇಂದು, ನೀವು ಅದನ್ನು ಮಾಲೀಕರಿಂದ ಮಾತ್ರವಲ್ಲದೆ ಪ್ರಮಾಣೀಕೃತ ಬಳಸಿದ ಕಾರ್ ಡೀಲರ್‌ಗಳಿಂದಲೂ ಖರೀದಿಸಬಹುದು.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Buying a\u0027 Localize=\u0027true\u0027\u003eಈ\u003c/span\u003e\u003ca href=\u0022/kannada/loans/used-car-loans/\u0022\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027used car loan\u0027 Localize=\u0027true\u0027\u003eಬಳಸಿದ ಕಾರ್ ಲೋನ್\u003c/span\u003e\u003c/a\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027 is not as difficult as it used to be. However, if you are planning to buy a used car on a loan, there are a few things you must keep in mind so as to make your purchase smooth and quick.\u0027 Localize=\u0027true\u0027\u003e ಖರೀದಿ ಮೊದಲಿನಷ್ಟು ಕಷ್ಟವಲ್ಲ. ಆದಾಗ್ಯೂ, ನೀವು ಸಾಲದ ಮೇಲೆ ಬಳಸಿದ ಕಾರನ್ನು ಖರೀದಿಸಲು ಯೋಜಿಸುತ್ತಿದ್ದರೆ, ನಿಮ್ಮ ಖರೀದಿಯನ್ನು ಸುಗಮ ಮತ್ತು ತ್ವರಿತವಾಗಿಸಲು ನೀವು ಗಮನದಲ್ಲಿಟ್ಟುಕೊಳ್ಳಬೇಕಾದ ಕೆಲವು ವಿಷಯಗಳಿವೆ.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Here are some of the things you must consider while buying a used car on loan:\u0027 Localize=\u0027true\u0027\u003eಸಾಲದ ಮೇಲೆ ಬಳಸಿದ ಕಾರನ್ನು ಖರೀದಿಸುವಾಗ ನೀವು ಪರಿಗಣಿಸಬೇಕಾದ ಕೆಲವು ವಿಷಯಗಳು ಇಲ್ಲಿವೆ:\u003c/span\u003e\u003c/p\u003e\u003ch4\u003e\u003c/h4\u003e\u003ch2 data-en=\u00271. Check your eligibility\u0027 Localize=\u0027true\u0027\u003e1. ನಿಮ್ಮ ಅರ್ಹತೆಯನ್ನು ಪರಿಶೀಲಿಸಿ\u003c/h2\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027There are different eligibility criteria for salaried and self-employed professionals in terms of income and the number of years of employment. So, make sure you check if you are eligible for the pre owned car loan. [Check your eligibility on our Used Car Eligibility Calculator]\u0027 Localize=\u0027true\u0027\u003eವೇತನ ಪಡೆಯುವ ಮತ್ತು ಸ್ವಯಂ ಉದ್ಯೋಗಿ ವೃತ್ತಿಪರರಿಗೆ ಆದಾಯ ಮತ್ತು ಉದ್ಯೋಗ ಮಾಡುತ್ತಿರುವ ವರ್ಷಗಳ ವಿಷಯದಲ್ಲಿ ವಿವಿಧ ಅರ್ಹತಾ ಮಾನದಂಡಗಳಿವೆ. ಆದ್ದರಿಂದ, ನೀವು ಪೂರ್ವ ಮಾಲೀಕತ್ವದ ಕಾರ್ ಲೋನಿಗೆ ಅರ್ಹರಾಗಿದ್ದೀರಾ ಎಂದು ಪರಿಶೀಲಿಸುವುದನ್ನು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಿ. [ನಮ್ಮ ಬಳಸಿದ ಕಾರು ಅರ್ಹತಾ ಕ್ಯಾಲ್ಕುಲೇಟರ್‌ನಲ್ಲಿ ನಿಮ್ಮ ಅರ್ಹತೆಯನ್ನು ಪರಿಶೀಲಿಸಿ]\u003c/span\u003e\u003c/p\u003e\u003ch4\u003e\u003c/h4\u003e\u003ch2 data-en=\u00272. Double check your documents\u0027 Localize=\u0027true\u0027\u003e2. ನಿಮ್ಮ ಡಾಕ್ಯುಮೆಂಟ್‌ಗಳನ್ನು ಡಬಲ್ ಚೆಕ್ ಮಾಡಿ\u003c/h2\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Once the eligibility check is done, make sure you have got all the documents you need to apply for the loan. For example, you’ll need identity proof, age proof, address proof, income proof, and signature verification proof.\u0027 Localize=\u0027true\u0027\u003eಅರ್ಹತಾ ಪರಿಶೀಲನೆ ಮಾಡಿದ ನಂತರ, ಸಾಲಕ್ಕೆ ಅಪ್ಲೈ ಮಾಡಲು ನೀವು ಎಲ್ಲಾ ಡಾಕ್ಯುಮೆಂಟ್‌ಗಳನ್ನು ಹೊಂದಿದ್ದೀರಿ ಎಂಬುದನ್ನು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಿ. ಉದಾಹರಣೆಗೆ, ನಿಮಗೆ ಗುರುತಿನ ಪುರಾವೆ, ವಯಸ್ಸಿನ ಪುರಾವೆ, ವಿಳಾಸದ ಪುರಾವೆ, ಆದಾಯದ ಪುರಾವೆ ಮತ್ತು ಸಹಿ ಪರಿಶೀಲನಾ ಪುರಾವೆಯ ಅಗತ್ಯವಿರುತ್ತದೆ.\u003c/span\u003e\u003c/p\u003e\u003ch4\u003e\u003c/h4\u003e\u003ch2 data-en=\u00273. Pre-determine the budget\u0027 Localize=\u0027true\u0027\u003e3. ಬಜೆಟ್ ಅನ್ನು ಮೊದಲೇ ನಿರ್ಧರಿಸಿ\u003c/h2\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Decide the car you want to buy! A wide range of makes, right from the low budget small cars to the high-end SUVs, is available to you. To select a car, you must decide upon your budget first. So, make sure you determine your budget based on your income and the EMIs that you can afford to pay.\u0027 Localize=\u0027true\u0027\u003eನೀವು ಖರೀದಿಸಲು ಬಯಸುವ ಕಾರನ್ನು ನಿರ್ಧರಿಸಿ! ಕಡಿಮೆ ಬಜೆಟ್‌ನ ಚಿಕ್ಕ ಕಾರುಗಳಿಂದ ಹಿಡಿದು ಹೈ-ಎಂಡ್ ಎಸ್‌ಯುವಿ ಗಳವರೆಗೆ ವ್ಯಾಪಕ ಶ್ರೇಣಿಯ ತಯಾರಿಕೆಗಳು ನಿಮಗೆ ಲಭ್ಯವಿವೆ. ಕಾರನ್ನು ಆಯ್ಕೆ ಮಾಡಲು, ನೀವು ಮೊದಲು ನಿಮ್ಮ ಬಜೆಟ್ ಅನ್ನು ನಿರ್ಧರಿಸಬೇಕು. ಆದ್ದರಿಂದ, ನಿಮ್ಮ ಆದಾಯ ಮತ್ತು ನೀವು ಪಾವತಿಸಲು ಸಾಧ್ಯವಾಗುವ ಇಎಂಐ ಗಳ ಆಧಾರದ ಮೇಲೆ ನಿಮ್ಮ ಬಜೆಟ್ ಅನ್ನು ನಿರ್ಧರಿಸುವುದನ್ನು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಿ.\u003c/span\u003e\u003c/p\u003e\u003ch4\u003e\u003c/h4\u003e\u003ch2 data-en=\u00274. Analyse your credit report\u0027 Localize=\u0027true\u0027\u003e4. ನಿಮ್ಮ ಕ್ರೆಡಿಟ್ ರಿಪೋರ್ಟ್ ಅನ್ನು ವಿಶ್ಲೇಷಿಸಿ\u003c/h2\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Make sure your credit score is more than 750. The chances of getting your loan approved increases with a good CIBIL score, no matter how many loans you have taken in the past. The only condition is that you must have paid all the EMIs on time. [Calculate your CIBIL score]\u0027 Localize=\u0027true\u0027\u003eನಿಮ್ಮ ಕ್ರೆಡಿಟ್ ಸ್ಕೋರ್ 750 ಕ್ಕಿಂತ ಹೆಚ್ಚಾಗಿದೆ ಎಂಬುದನ್ನು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಿ. ನೀವು ಹಿಂದೆ ಎಷ್ಟು ಸಾಲಗಳನ್ನು ತೆಗೆದುಕೊಂಡಿದ್ದೀರಿ ಎಂಬುದನ್ನು ಗಣನೆಗೆ ತೆಗೆದುಕೊಳ್ಳದೆ ಉತ್ತಮ ಸಿಬಿಲ್ ಸ್ಕೋರ್‌ನೊಂದಿಗೆ ನಿಮ್ಮ ಸಾಲದ ಅನುಮೋದನೆ ಪಡೆಯುವ ಸಾಧ್ಯತೆಗಳು ಹೆಚ್ಚಾಗುತ್ತವೆ. ಏಕೈಕ ಷರತ್ತು ಎಂದರೆ ನೀವು ಸಮಯಕ್ಕೆ ಸರಿಯಾಗಿ ಎಲ್ಲಾ ಇಎಂಐ ಗಳನ್ನು ಪಾವತಿಸಿರಬೇಕು. [ನಿಮ್ಮ ಸಿಬಿಲ್ ಸ್ಕೋರ್ ಲೆಕ್ಕ ಹಾಕಿ]\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027[Read about our tips on increasing your CIBIL Score]\u0027 Localize=\u0027true\u0027\u003e[Read about our tips on increasing your CIBIL Score]\u003c/span\u003e\u003c/p\u003e\u003ch4\u003e\u003c/h4\u003e\u003ch2 data-en=\u00275. Make short tenures\u0027 Localize=\u0027true\u0027\u003e5. ಸಣ್ಣ ಕಾಲಾವಧಿಗಳನ್ನು ಮಾಡಿ\u003c/h2\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027The value of the used car keeps depreciating as it ages. The sooner you sell it, the more value you will get for it. Moreover, you will have to pay less interest in short tenures as compared to the long ones. So, it is advisable to make your tenure short so that you can clear off your loan soon.\u0027 Localize=\u0027true\u0027\u003eಬಳಸಿದ ಕಾರಿನ ಸಮಯ ಕಳೆಯುತ್ತಿದ್ದಂತೆ ಅದರ ಮೌಲ್ಯವು ಕಡಿಮೆಯಾಗುತ್ತಿರುತ್ತದೆ. ನೀವು ಅದನ್ನು ಶೀಘ್ರದಲ್ಲೇ ಮಾರಾಟ ಮಾಡಿದರೆ, ನೀವು ಅದಕ್ಕೆ ಹೆಚ್ಚಿನ ಮೌಲ್ಯವನ್ನು ಪಡೆಯುತ್ತೀರಿ. ಇದಲ್ಲದೆ, ದೀರ್ಘಾವಧಿಗಳಿಗೆ ಹೋಲಿಸಿದರೆ ಸಣ್ಣ ಕಾಲಾವಧಿಗಳಲ್ಲಿ ನೀವು ಕಡಿಮೆ ಬಡ್ಡಿಯನ್ನು ಪಾವತಿಸಬೇಕಾಗುತ್ತದೆ. ಆದ್ದರಿಂದ, ನಿಮ್ಮ ಕಾಲಾವಧಿಯನ್ನು ಕಡಿಮೆ ಮಾಡುವುದು ಸೂಕ್ತವಾಗಿದೆ, ಇದರಿಂದಾಗಿ ನೀವು ನಿಮ್ಮ ಸಾಲವನ್ನು ಶೀಘ್ರದಲ್ಲೇ ಪೂರ್ತಿಗೊಳಿಸಬಹುದು.\u003c/span\u003e\u003c/p\u003e\u003ch4\u003e\u003c/h4\u003e\u003ch2 data-en=\u00276. Be aware of scams\u0027 Localize=\u0027true\u0027\u003e6. ಸ್ಕ್ಯಾಮ್‌ಗಳ ಬಗ್ಗೆ ತಿಳಿದುಕೊಳ್ಳಿ\u003c/h2\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027It is always a good idea to buy from a reputed dealer otherwise there are chances you might be lured by fraudulent offers. They might want to sell off the cars that have met with an accident. They might fleece you with high-interest rates claiming that your credit report is bad. So, make sure you do your homework before you speak to the dealer and be aware of scammers.\u0027 Localize=\u0027true\u0027\u003eಪ್ರತಿಷ್ಠಿತ ಡೀಲರಿಂದ ಖರೀದಿಸುವುದು ಯಾವಾಗಲೂ ಉತ್ತಮ ಕಲ್ಪನೆಯಾಗಿರುತ್ತದೆ ಇಲ್ಲದಿದ್ದರೆ ಮೋಸದ ಆಫರ್‌ಗಳಿಗೆ ನೀವು ಬಲಿಯಾಗಬಹುದಾದ ಸಾಧ್ಯತೆಗಳಿವೆ. ಅಪಘಾತಕ್ಕೆ ಒಳಗಾದ ಕಾರುಗಳನ್ನು ಮಾರಾಟ ಮಾಡಲು ಅವರು ಬಯಸಬಹುದು. ನಿಮ್ಮ ಕ್ರೆಡಿಟ್ ರಿಪೋರ್ಟ್ ಕೆಟ್ಟದಾಗಿದೆ ಎಂದು ಹೇಳಿಕೊಂಡು ಅವರು ಹೆಚ್ಚಿನ ಬಡ್ಡಿದರಗಳೊಂದಿಗೆ ನಿಮ್ಮನ್ನು ವಂಚಿಸಬಹುದು. ಆದ್ದರಿಂದ, ನೀವು ಡೀಲರ್‌ನೊಂದಿಗೆ ಮಾತನಾಡುವ ಮೊದಲು ನಿಮ್ಮ ಹೋಮ್‌ವರ್ಕ್ ಮಾಡುವುದನ್ನು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಿ ಮತ್ತು ಸ್ಕ್ಯಾಮರ್‌ಗಳ ಬಗ್ಗೆ ತಿಳಿದುಕೊಳ್ಳಿ.\u003c/span\u003e\u003c/p\u003e\u003cp data-en=\u0027Banks and other financial institutions understand people buy a used car for various reasons. So, these days, banks have a variety of used car loans with attractive offers and low car loan interest rates. Don’t hesitate in buying a used car on loan. Just keep the above-listed tips in mind to avoid the common mistakes people commit while getting loans for used cars.\u0027 Localize=\u0027true\u0027\u003eಬ್ಯಾಂಕುಗಳು ಮತ್ತು ಇತರ ಹಣಕಾಸು ಸಂಸ್ಥೆಗಳು ಜನರು ವಿವಿಧ ಕಾರಣಗಳಿಗಾಗಿ ಬಳಸಿದ ಕಾರನ್ನು ಖರೀದಿಸುತ್ತಾರೆ ಎಂದು ಅರ್ಥಮಾಡಿಕೊಳ್ಳುತ್ತವೆ. ಆದ್ದರಿಂದ, ಈ ದಿನಗಳಲ್ಲಿ, ಆಕರ್ಷಕ ಆಫರ್‌ಗಳು ಮತ್ತು ಕಡಿಮೆ ಕಾರ್ ಲೋನ್ ಬಡ್ಡಿ ದರಗಳೊಂದಿಗೆ ಬ್ಯಾಂಕ್‌ಗಳು ವಿವಿಧ ಬಳಸಿದ ಕಾರ್ ಲೋನ್‌ಗಳನ್ನು ಹೊಂದಿವೆ. ಜೊತೆಗೆ ವಿವಿಧ ಬಳಸಿದ ಕಾರ್ ಲೋನ್‌ಗಳನ್ನು ಹೊಂದಿವೆ. ಸಾಲದ ಮೇಲೆ ಬಳಸಿದ ಕಾರನ್ನು ಖರೀದಿಸಲು ಹಿಂಜರಿಯಬೇಡಿ. ಬಳಸಿದ ಕಾರುಗಳಿಗೆ ಸಾಲಗಳನ್ನು ಪಡೆಯುವಾಗ ಸಾಮಾನ್ಯ ತಪ್ಪುಗಳನ್ನು ತಪ್ಪಿಸಲು ಮೇಲೆ ಪಟ್ಟಿ ಮಾಡಿದ ಸಲಹೆಗಳನ್ನು ಗಮನದಲ್ಲಿಟ್ಟುಕೊಳ್ಳಿ.\u003c/p\u003e","protected":false},"excerpt":{"rendered":"\u003cp data-en=\u0027When it comes to buying a vehicle today, you are spoilt for choice. The competition amongst automobile manufacturing companies is soaring, resulting in more options at affordable rates. The second-hand car industry is growing by leaps and bounds. Gone are the days when buying a used car was a challenge. Millennials especially tend to change [\u0026hellip;]\u0027 Localize=\u0027true\u0027\u003eಇಂದು ವಾಹನವನ್ನು ಖರೀದಿಸುವ ವಿಷಯಕ್ಕೆ ಬಂದಾಗ, ನೀವು ಆಯ್ಕೆಗಾಗಿ ಕಷ್ಟಪಡುತ್ತೀರಿ. ಆಟೋಮೊಬೈಲ್ ಉತ್ಪಾದನಾ ಕಂಪನಿಗಳಲ್ಲಿನ ಸ್ಪರ್ಧೆಯು ಹೆಚ್ಚುತ್ತಿದೆ, ಇದರಿಂದಾಗಿ ಕೈಗೆಟಕುವ ದರಗಳಲ್ಲಿ ಹೆಚ್ಚಿನ ಆಯ್ಕೆಗಳಿವೆ. ಸೆಕೆಂಡ್-ಹ್ಯಾಂಡ್ ಕಾರ್ ಉದ್ಯಮವು ಅಗಾಧವಾಗಿ ಬೆಳೆಯುತ್ತಿದೆ. ಬಳಸಿದ ಕಾರನ್ನು ಖರೀದಿಸುವುದು ಸವಾಲು ಎಂದೆನಿಸುವ ದಿನಗಳು ಹೋಗಿವೆ. ಮಿಲಿಯನೇಲ್‌ಗಳು ವಿಶೇಷವಾಗಿ [...]\u003c/p\u003e","protected":false},"author":12,"featured_media":9876,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"ಸ್ಟ್ಯಾಂಡರ್ಡ್","meta":{"_acf_changed":false,"footnotes":""},"categories":[57],"tags":[],"class_list":["post-2199","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-used-car-loans"],"acf":[],"yoast_head":"\u003c!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https://yoast.com/wordpress/plugins/seo/ --\u003e\u003ctitle data-en=\u00276 Things to Know Before Taking a Used Car Loan | TVS Credit\u0027 Localize=\u0027true\u0027\u003eಬಳಸಿದ ಕಾರು ಲೋನ್ ತೆಗೆದುಕೊಳ್ಳುವ ಮೊದಲು ತಿಳಿದುಕೊಳ್ಳಬೇಕಾದ 6 ವಿಷಯಗಳು | ಟಿವಿಎಸ್ ಕ್ರೆಡಿಟ್\u003c/title\u003e\u003cmeta name=\u0022description\u0022 content=\u0022ಸಾಲದ ಮೇಲೆ ಬಳಸಿದ ಕಾರನ್ನು ಖರೀದಿಸುತ್ತಿದ್ದೀರಾ? ಈ 6 ಪ್ರಮುಖ ಸಲಹೆಗಳನ್ನು ತಿಳಿಯಿರಿ: ಅರ್ಹತೆ, ಡಾಕ್ಯುಮೆಂಟ್‌ಗಳು, ಬಜೆಟ್, ಕ್ರೆಡಿಟ್ ಸ್ಕೋರ್ ಮತ್ತು ಸಣ್ಣ ಕಾಲಾವಧಿಗಳನ್ನು ಪರಿಶೀಲಿಸಿ. 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