Two Wheeler Loan

Hello,
1) How should I buy a two-wheeler, on loan or by cash?
2) If on loan, then how should I take the loan, and to which institute should I apply for it? Considering CIBIL score 795.
3) Should I pay or can I buy with the help of a credit card if buying in cash?
4) Of what percentage of the amount should I take the loan, and what should be my down payment according to the net cost of a two-wheeler? Please suggest the ratio.
 

arjungoyal12

KF Mentor
Taking something on loan might be a better option if you have the cash already. Considering your CIBIL score, you will easily get loan and that too at low interest rate. The ideal ratio must 30:70 with cash to loan ratio
 
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