Agar interest rate kam hai (8-11%) aur tenure chhota hai (3-4 saal), finance lena reasonable hai kyunki liquidity bachi rehti hai. Lekin EV resale value fast gir jaati hai, isliye 5-7 saal ka lamba loan avoid karo.

Decision Kaise Lein

  • Cash better hai agar: Capital tied up hone se aapke liye koi opportunity cost nahi hai aur aap interest cost bilkul zero rakhna chahte ho.
  • Finance better hai agar: Aapko liquidity chahiye emergency ya investments ke liye, aur loan rate reasonable mil raha hai.
  • Tenure chhota rakho: EV ki resale value 3 saal mein hi 45-60% tak gir jaati hai, toh lamba loan "upside down" (loan amount > car value) situation bana sakta hai.
  • Section 80EEB tax deduction (EV loan interest pe ₹1.5 lakh tak) ab naye loans ke liye closed hai — isse factor mein mat rakho.

Bottom line: Short tenure (3-4 saal) finance with low interest rate usually sabse balanced option hai.

EV kharidne se pehle poori checklist — EV Kharidne Se Pehle Yeh 10 Sawaal Zaroor Puchho