Try to limit the loan to an amount such that the EMI does not exceed 15-20 per cent of your take-home salary. Remember that you would have other loans also and the EMIs of all of them should together not exceed 50 per cent of your take-home salary. The car loans available within the dealer's premises may not be the most attractive.
Scout around for better deals on your own despite pressure from the dealer to take a loan from one of his lender partners. Many public sector banks offer attractive interest rates (see table) starting at below 9 per cent. Pay the ...
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