I shifted to Delhi a few years back and was allocated a nice furnished apartment in Delhi Cantonment area by the company. I was even given a car for commuting and I felt life was a luxury till few days of joining the office. What I noticed was that the roads and the traffic during peak hours took a good few hours of my day and I got delayed reaching important meetings in the first week itself. Not a good start in a new city anyone would say.
Then my friend advised me to take a bike as it would make life much simpler for me. I felt he had a valid point and decided to look for one over the weekend. I went to a few dealers and took test run and realized that bikes were the best option in and around the Cantonment area. So I made up my mind to buy one priced around 1.5 lakhs. Now the major question was I had just taken charge in Delhi office and did not want to invest so much on buying a bike. I preferred going in for a Bike loan in Delhi. The biggest problem was that I had shifted to Delhi just now and none of my documents were more than a month old so approaching a Bank directly was useless.
Since the Bike loan rate in Delhi or the interest percentage varies from 27% – 30%, it becomes even more difficult to choose the right two wheeler loans. I quickly did a few searches on the net and I got a host of approved Dealers and Banks in my area who would definitely help me get the best deal. Not only did I get to choose the dealer of my choice but also go in for the best with the ratings earned by each dealer over their transactions in the past. I got my choice of dealer and fixed an appointment with him. The owner personally showed me the Bikes I wished to see and explained to me in detail the pro’s and con’s of buying each. He further explained the EMI part and the down payment for the shortlisted bike’s. He then gave the repayment period options for Two Wheeler Loans in Delhi and the tenure given by each finance company/Bank. He also gave me his suggestions upon asking as to which would be the best bike for me on Delhi roads.
After thoroughly answering all my queries he gave me the papers to sign and to my surprise the loan was sanctioned in a day’s time. The disbursal happened under 72 hours and I had my choice of a brand new Bike parked in my building compound under a week. I was so happy to have a new bike and its been 3 years now since I bought the bike, I have never had a major problem with anything related to the Bike. I would say that my experience of a Two-wheeler Loan in Delhi has been a pleasing one.
Uttpal K
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