{"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":"Top 5 things to consider before going for a consumer durable loan"},"content":{"rendered":"\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022\u003eकडक ऊन असो वा गोठवणारी थंडी, घरगुती उपकरणे आणि इलेक्ट्रॉनिक गॅजेट्सची मागणी कधीच संपणार नाही. तुम्हाला मोबाईल फोन, लॅपटॉप, म्युझिक सिस्टीम, एअर कंडिशनर, वॉशिंग मशीन, टेलिव्हिजन, मायक्रोवेव्ह आणि रेफ्रिजरेटर सारखे कंझ्युमर ड्युरेबल प्रॉडक्ट्स खरेदी करायचे असतील. रिटेलर्स आणि बँका विविध डिस्काउंटच्या ऑफर्स आणि फायनान्सिंग पर्यायांसह ग्राहकांना आकर्षित करीत आहेत. जरी क्रेडिट कार्ड सर्वात लोकप्रिय पर्यायांपैकी एक आहे, तरीही तुम्ही तुमचे क्रेडिट कार्ड स्वाईप करण्यापूर्वी अन्य पर्याय म्हणजेच कंझ्युमर ड्युरेबल लोन्सवर एक नजर टाका.\u003c/span\u003e\u003c/p\u003e\u003ch2\u003eकंझ्युमर ड्युरेबल लोन्स – का?\u003c/h2\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022\u003eकंझ्युमर ड्युरेबल लोन्स हे असे फंड आहेत जे तुम्हाला सुलभ EMI रिपेमेंट पर्यायांवर प्रॉडक्ट खरेदी करू देण्यासाठी बँकांद्वारे प्रदान केले जातात. तसेच, तुम्हाला लोन मिळवण्यासाठी वैयक्तिक ॲसेटला रिस्क निर्माण करण्याची गरज नाही आणि तुम्हाला त्वरित मंजुरी मिळते. तसेच, इतर लोनच्या तुलनेत \u003ca style=\u0022display: initial; color: #4472c4;\u0022 href=\u0022/marathi/loans/consumer-durable-loans/eligibility-and-documents/\u0022\u003eपात्रता निकष\u003c/a\u003e अत्यंत कठोर नाही आणि किमान डॉक्युमेंटेशन आवश्यक आहे.\u003c/span\u003e\u003c/p\u003e\u003ch2\u003eकंझ्युमर ड्युरेबल लोन्स – कसे?\u003c/h2\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022\u003eजर तुम्ही कंझ्युमर ड्युरेबल लोन्स घेण्याची योजना बनवत असाल तर तुम्ही ते निवडण्यापूर्वी तुम्ही विचारात घेण्यासाठी आवश्यक असलेल्या काही महत्त्वाच्या गोष्टी पाहा\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong\u003e1. इंटरेस्ट रेट\u003c/strong\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022\u003eतुमच्या \u003c/span\u003e\u003ca href=\u0022https://www.tvscredit.com/marathi/loans/consumer-durable-loans/\u0022\u003e\u003cspan style=\u0022font-weight: 400;\u0022\u003eकन्झ्युमर ड्युरेबल लोन्स\u003c/span\u003e\u003c/a\u003e\u003cspan style=\u0022font-weight: 400;\u0022\u003eबाबतच्या निर्णयात इंटरेस्ट रेट हा सर्वात महत्वाच्या घटकांपेकी एक असेल, कारण यामुळे प्रॉडक्टच्या वास्तविक किंमतीव्यतिरिक्त तुम्हाला इतर भरावयाची अतिरिक्त रक्कम निर्धारित होते. सामान्यपणे, क्रेडिट कार्ड किंवा इतर प्रकारच्या लोन्सच्या तुलनेत सीडी लोन्समध्ये इंटरेस्ट रेट कमी असतो. काही फायनान्शियल संस्था कन्झ्युमर ड्युरेबल प्रॉडक्ट्सच्या विशिष्ट श्रेणीवर 0% इंटरेस्ट ऑफर देखील प्रदान करतात.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong\u003e2. कालावधी\u003c/strong\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022\u003eकंझ्युमर ड्युरेबल लोनचा कालावधी तुम्हाला दर महिन्याला किती महिन्यांसाठी समान मासिक इंस्टॉलमेंटची रक्कम भरावी लागेल हे दर्शवतो. सामान्यपणे, कालावधीच्या महिन्यांची संख्या 3 ते 24 महिन्यांदरम्यान असते. तथापि, हे पुन्हा फायनान्शियल संस्था आणि तुम्ही खरेदी करत असलेल्या प्रॉडक्टवर अवलंबून असते. कमी कालावधी निवडण्याचा सल्ला दिला जातो जेणेकरून तुम्ही इंटरेस्ट म्हणून बरेच पैसे न गमावता शक्य तितक्या लवकर लोन रिपेमेंट करू शकता.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong\u003e3. डाउनपेमेंट\u003c/strong\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022\u003eसामान्यपणे, बँका एकूण प्रॉडक्टच्या रकमेपैकी 80 ते 95 टक्के लोन्स प्रदान करतात, याचा अर्थ असा की तुम्हाला डाउन पेमेंट म्हणून उर्वरित रक्कम भरावी लागते. त्यामुळे, लोनसाठी अप्लाय करण्यापूर्वी तुम्ही हे तपशील तपासल्याची खात्री करा जेणेकरून तुम्ही डाउन पेमेंट रकमेसाठी तयार असू शकाल.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong\u003e4. छुपे खर्च\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eऑफर कदाचित नमूद करू शकते की प्रॉडक्ट्सच्या विशिष्ट श्रेणीवर 0 टक्के इंटरेस्ट आहे. तथापि, प्रोसेसिंग फी सारखे इतर शुल्क असू शकतात. तसेच, जर तुम्ही सीडी लोन घेत असाल तर त्या प्रॉडक्टवर तुम्ही कोणतीही सवलत घेऊ शकत नाही असे कलम आहेत. त्यामुळे, शेवटी तुम्ही या ना त्या प्रकारे पैसे गमावणे शक्य आहे.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003e5. डॉक्युमेंटेशन\u003c/strong\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022\u003eकिमान डॉक्युमेंटेशनमुळे कन्झ्युमर ड्युरेबल लोन्स प्राप्त करण्यासाठी सर्वात सोप्या लोन्सपैकी एक आहेत. तुम्हाला फक्त तुमचा ओळखीचा पुरावा, ॲड्रेसचा पुरावा आणि उत्पन्नाचा पुरावा सबमिट करायचा आहे आणि तुम्ही त्वरित मंजुरी मिळवू शकता.\u003c/span\u003e\u003c/p\u003e","protected":false},"excerpt":{"rendered":"\u003cp\u003eकडक ऊन असो वा गोठवणारी थंडी, घरगुती उपकरणे आणि इलेक्ट्रॉनिक गॅजेट्सची मागणी कधीच संपणार नाही. तुम्हाला मोबाईल फोन, लॅपटॉप, म्युझिक सिस्टीम, एअर कंडिशनर, वॉशिंग मशीन, टेलिव्हिजन, मायक्रोवेव्ह आणि रेफ्रिजरेटर सारखे कंझ्युमर ड्युरेबल प्रॉडक्ट्स खरेदी करायचे असतील. रिटेलर्स आणि बँका विविध डिस्काउंटच्या ऑफर्स आणि फायनान्सिंग पर्यायांसह ग्राहकांना आकर्षित करीत आहेत. 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