New vs Used Car: किस कार को खरीदने पर होगी लोखों में बचत?

Описание: #NewVsUsedCar #CarLoanIndia #HondaCity #CarBuyingTips #UsedCarSavings #CarEMI
#DepreciationCost #PersonalFinanceIndia #SmartMoneyMoves #CertifiedPreOwned

Dreaming of a shiny new Honda City worth ₹15 lakh? With ₹3 lakh down payment and ₹12 lakh loan at 8.7% interest over 5 years, your EMI hits ₹24,700 monthly. Total payout: ₹14.83 lakh, including ₹2.83 lakh interest. But here's the catch—cars depreciate 15-20% instantly. After 5 years, resale value drops to ₹7.5 lakh, making your net cost ₹10.33 lakh.
Now consider a 3-year-old City at ₹9 lakh. ₹1 lakh down + ₹8 lakh loan at 12% (used car rates are higher) means ₹17,800 EMI. Total: ₹10.68 lakh + ₹1.25 lakh maintenance over 5 years = ₹12.93 lakh. Resale at ₹4 lakh leaves net cost ₹8.93 lakh—a whopping ₹1.4 lakh savings despite steeper rates and repairs.
New cars offer warranty, latest tech, and peace of mind; used ones risk breakdowns but dodge massive depreciation. Opt for certified pre-owned with inspection. Verdict? Prioritize savings—go used. Crave perfection? Splurge on new. What's your pick?

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