{"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":"కన్జ్యూమర్ డ్యూరబుల్ లోన్ ఎంచుకోవడానికి ముందు పరిగణించవలసిన టాప్ 5 విషయాలు"},"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\u003eమండే వేసవి అయినా లేదా గడ్డకట్టే శీతాకాలం అయినా,హోమ్ అప్లయెన్సెస్ మరియు ఎలక్ట్రానిక్ గాడ్జెట్‌ల డిమాండ్ ఎప్పటికీ తగ్గిపోదు. మీరు మొబైల్ ఫోన్లు, ల్యాప్‌టాప్లు, మ్యూజిక్ సిస్టమ్‌లు, ఎయిర్ కండిషనర్లు, వాషింగ్ మెషీన్లు, టెలివిజన్లు, మైక్రోవేవ్‌లు మరియు రిఫ్రిజిరేటర్లు లాంటి కన్జ్యూమర్ డ్యూరబుల్ ప్రోడక్టులను కొనుగోలు చేయాలనుకుంటారు. రిటైలర్లు మరియు బ్యాంకులు వివిధ డిస్కౌంట్ ఆఫర్లు, ఫైనాన్సింగ్ ఎంపికలతో కస్టమర్లను ఆకర్షిస్తున్నాయి. అత్యంత ప్రజాదరణ పొందిన ఎంపికల్లో క్రెడిట్ కార్డ్ ఒకటి కాగా, మీరు మీ క్రెడిట్ కార్డును స్వైప్ చేయడానికి ముందు కన్జ్యూమర్ డ్యూరబుల్ లోన్లు అనే మరొక ఎంపికను పరిగణించండి.\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\u003eకన్జ్యూమర్ డ్యూరబుల్ లోన్లు అనేవి సులభమైన ఇఎంఐ రీపేమెంట్ ఎంపికలపై ఒక ప్రోడక్ట్ కొనుగోలు చేయడానికి బ్యాంక్ మీకు అందించే లోన్లు. అంతేకాకుండా, మీరు లోన్ పొందడానికి మీ వ్యక్తిగత ఆస్తిని తాకట్టు పెట్టాల్సిన అవసరం లేదు, మీరు తక్షణ ఆమోదం పొందవచ్చు. అలాగే, ఇతర లోన్లతో పోలిస్తే \u003ca style=\u0022display: initial; color: #4472c4;\u0022 href=\u0022/telugu/loans/consumer-durable-loans/eligibility-and-documents/\u0022\u003eఅర్హత ప్రమాణాలు\u003c/a\u003e కఠినంగా ఉండవు మరియు అతి తక్కువ డాక్యుమెంటేషన్ అవసరం అవుతుంది.\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\u003eమీరు కన్జ్యూమర్ డ్యూరబుల్ లోన్లను పొందాలని అనుకుంటున్నట్లయితే, మీరు దానిని ఎంచుకునే ముందు తప్పనిసరిగా పరిగణించవలసిన కొన్ని ముఖ్యమైన విషయాలను చూడండి\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong data-en=\u00271. Interest rate\u0027 Localize=\u0027true\u0027\u003e1. వడ్డీ రేటు\u003c/strong\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027While getting the \u0027 Localize=\u0027true\u0027\u003e‌ \u003c/span\u003e\u003ca href=\u0022https://www.tvscredit.com/telugu/loans/consumer-durable-loans/\u0022\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027consumer durable loans\u0027 Localize=\u0027true\u0027\u003eకన్జ్యూమర్ డ్యూరబుల్ లోన్లు\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\u003eపొందే సమయంలో, వడ్డీ రేటు అత్యంత ముఖ్యమైన నిర్ణయాత్మక అంశాల్లో ఒకటిగా ఉండాలి, ఎందుకంటే ఇది ప్రోడక్ట్ యొక్క వాస్తవ ధర కాకుండా మీరు చెల్లించవలసిన అదనపు మొత్తాన్ని నిర్ణయిస్తుంది. సాధారణంగా, క్రెడిట్ కార్డులు లేదా ఇతర రకాల లోన్లతో పోలిస్తే సిడి లోన్లపై వడ్డీ రేటు తక్కువగా ఉంటుంది. కొన్ని ఆర్థిక సంస్థలు కన్జ్యూమర్ డ్యూరబుల్ ప్రోడక్టుల నిర్దిష్ట శ్రేణిపై 0% వడ్డీ ఆఫర్లను కూడా అందిస్తాయి.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong data-en=\u00272. Tenure\u0027 Localize=\u0027true\u0027\u003e2. అవధి\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\u003eకన్జ్యూమర్ డ్యూరబుల్ లోన్ అవధి అనేది మీరు వాయిదాలు చెల్లించాల్సిన నెలల సంఖ్య మరియు ప్రతి నెలా మీరు చెల్లించవలసిన మొత్తాన్ని సూచిస్తుంది. సాధారణంగా, లోన్ అవధి 3 నుండి 24 నెలల మధ్యన ఉంటుంది. అయితే, ఇది మళ్లీ ఆర్థిక సంస్థ మరియు మీరు కొనుగోలు చేస్తున్న ప్రోడక్ట్ పై ఆధారపడి ఉంటుంది. తక్కువ అవధిని ఎంచుకోవడం మంచిది, తద్వారా మీరు వడ్డీగా ఎక్కువ డబ్బును కోల్పోకుండా వీలైనంత త్వరగా లోన్ తిరిగి చెల్లించవచ్చు.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong data-en=\u00273. Down payment\u0027 Localize=\u0027true\u0027\u003e3. డౌన్ పేమెంట్\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\u003eసాధారణంగా, బ్యాంకులు ఒక ప్రోడక్ట్ మొత్తంలో 80 నుండి 95 శాతం వరకు లోన్లు అందిస్తాయి, అంటే మీరు మిగిలిన మొత్తాన్ని డౌన్ పేమెంట్ రూపంలో చెల్లించవలసి ఉంటుంది. కాబట్టి, లోన్ కోసం అప్లై చేయడానికి ముందు మీరు ఈ వివరాలను చెక్ చేయాలి, తద్వారా మీరు డౌన్ పేమెంట్ మొత్తానికి సిద్ధంగా ఉండవచ్చు.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong data-en=\u00274. Hidden costs\u0027 Localize=\u0027true\u0027\u003e4. రహస్య ఖర్చులు\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\u003eనిర్దిష్ట శ్రేణి ప్రోడక్ట్‌లపై 0 శాతం వడ్డీ ఉంటుందని ఆఫర్ పేర్కొనవచ్చు. అయితే, ప్రాసెసింగ్ ఫీజు లాంటి ఇతర ఛార్జీలు కూడా ఉండవచ్చు. అలాగే, మీరు ఒక సిడి లోన్ కోసం ఎంచుకున్నట్లయితే, ఆ ప్రోడక్ట్ పై ఎలాంటి డిస్కౌంట్ పొందలేరు అనే నిబంధనలు కూడా ఉండవచ్చు. కాబట్టి, చివరికి మీరు ఒక విధంగా లేదా మరొక విధంగా డబ్బును కోల్పోయే అవకాశం ఉంది.\u003c/p\u003e\u003cp\u003e\u003cstrong data-en=\u00275. Documentation\u0027 Localize=\u0027true\u0027\u003e5. డాక్యుమెంటేషన్\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\u003eఅతి తక్కువ డాక్యుమెంటేషన్ కారణంగా కన్జ్యూమర్ డ్యూరబుల్ లోన్లు, పొందడానికి సులభమైన లోన్లలో ఒకటిగా ఉంటాయి. మీరు మీ గుర్తింపు రుజువు, చిరునామా రుజువు, ఆదాయ రుజువును సమర్పించాలి మరియు మీరు తక్షణ ఆమోదం పొందవచ్చు.\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\u003eఇది మండే వేసవి అయినా లేదా గడ్డకట్టే శీతాకాలం అయినా,హోమ్ అప్లయెన్సెస్ మరియు ఎలక్ట్రానిక్ గాడ్జెట్‌ల డిమాండ్ ఎప్పటికీ తగ్గిపోదు. మీరు మొబైల్ ఫోన్లు, ల్యాప్‌టాప్లు, మ్యూజిక్ సిస్టమ్‌లు, ఎయిర్ కండిషనర్లు, వాషింగ్ మెషీన్లు, టెలివిజన్లు, మైక్రోవేవ్‌లు మరియు రిఫ్రిజిరేటర్లు లాంటి కన్జ్యూమర్ డ్యూరబుల్ ప్రోడక్టులను కొనుగోలు చేయాలనుకుంటున్నారు. రిటైలర్లు మరియు బ్యాంకులు వివిధ డిస్కౌంట్ ఆఫర్లు, ఫైనాన్సింగ్ ఎంపికలతో కస్టమర్లను ఆకర్షిస్తున్నాయి. […]\u003c/p\u003e","protected":false},"author":12,"featured_media":9984,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"స్టాండర్డ్","meta":{"_acf_changed":false,"footnotes":""},"categories":[51],"tags":[],"class_list":["post-2240","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-consumer-durable-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=\u00275 Things to Consider When Applying for a Consumer Durable Loan\u0027 Localize=\u0027true\u0027\u003eకన్జ్యూమర్ డ్యూరబుల్ లోన్ కోసం అప్లై చేసేటప్పుడు పరిగణించవలసిన 5 విషయాలు\u003c/title\u003e\u003cmeta name=\u0022description\u0022 content=\u0022కన్జ్యూమర్ డ్యూరబుల్ లోన్‌ తీసుకోవాలనుకుంటున్నారా? మీరు నిర్ణయం తీసుకోవడానికి ముందు ఈ 5 ప్రధాన అంశాలను మిస్ అవ్వకండి: వడ్డీ రేటు, అవధి, డౌన్ పేమెంట్, దాగి ఉన్న ఖర్చులు మరియు డాక్యుమెంటేషన్.\u0022 /\u003e\u003cmeta name=\u0022robots\u0022 content=\u0022index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\u0022 /\u003e\u003clink rel=\u0022canonical\u0022 href=\u0022https://www.tvscredit.com/telugu/blog/consumer-loans/top-5-things-to-consider-before-going-for-a-consumer-durable-loan/\u0022 /\u003e\u003cmeta property=\u0022og:locale\u0022 content=\u0022te_IN\u0022 /\u003e\u003cmeta property=\u0022og:type\u0022 content=\u0022article\u0022 /\u003e\u003cmeta property=\u0022og:title\u0022 content=\u0022కన్జ్యూమర్ డ్యూరబుల్ లోన్ కోసం అప్లై చేసేటప్పుడు పరిగణించవలసిన 5 విషయాలు\u0022 /\u003e\u003cmeta property=\u0022og:description\u0022 content=\u0022కన్జ్యూమర్ డ్యూరబుల్ లోన్‌ తీసుకోవాలనుకుంటున్నారా? 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