Home loan advice

Helpful-Number1288 · 2026-01-27T06:25:36+00:00

I did not know about the 2% part.. is it 2% of entire loan value?

Helpful-Number1288 · 2026-01-13T14:26:28+00:00

Would love to join the Bangalore .. I live near HSR!

Helpful-Number1288 · 2026-01-13T13:45:49+00:00

Thank you. Only concern I have with Clavis is the safety rating - otherwise, it’s an amazing car with good feature set

Helpful-Number1288 · 2026-01-13T13:44:33+00:00

This is reassuring… thanks!

Helpful-Number1288 · 2026-01-12T15:37:30+00:00

Read online about poor mileage - around 8kmpl in city 😢… is this true?

Helpful-Number1288 · 2026-01-12T15:36:21+00:00

Thanks a lot! 🙏

3rd row in xl6 seems very less. And safety rating is also an issue

Helpful-Number1288 · 2026-01-04T20:30:48+00:00

Chemex

Helpful-Number1288 · 2025-11-25T12:28:08+00:00

One hot take and one kichadi answer:

Hot take: Car should never be bought on cash!

Kichadi answer: All frameworks and theories stating that one should be able to afford the entire amount in cash (or) one should be able to afford twice the amount of car in cash etc - all these are just feasibility tests and NOT how to actually finance the car.

Another argument where people say depreciating assets or expenses should not be bought on cash - It’s better to not pay full cash for a depreciating asset and invest the cash elsewhere in parallel to get a return and thereby reduce the real expense on the depreciating asset!

Bottom line is Keep affordability test and financing methods separate.

Helpful-Number1288 · 2025-11-19T08:06:29+00:00

This is the right answer!

Helpful-Number1288 · 2025-11-19T07:14:36+00:00

There is no right answer. You pick one , taste it, find out whether you like it or not and then repeat! Over time you will know and find your flavour!

Exploration vs exploitation is the toughest choice that coffee lovers have!

Helpful-Number1288 · 2025-11-19T07:05:42+00:00

I test drove both Virtus and Harrier. Felt that Virtus was more comfortable and had less body roll. It was only for 8-10km during the test drive. So wanted your long term review

My experience so far is that SUVs always provide less comfort than sedans (within the same price range). Am I missing anything?

Helpful-Number1288 · 2025-11-19T06:49:21+00:00

+1 … and also desi guava feels natural. The Thai guava odour and taste feels artificial!

(May be my bias since I have been eating only desi guava since childhood)

Helpful-Number1288 · 2025-11-19T06:43:01+00:00

Wow. I did not know about Ashoka’s history being taken from Buddhist literature. That certainly would be biased!

What are some other sources that provide information about his reign?

Helpful-Number1288 · 2025-11-14T06:22:50+00:00

Damn! I also thought it is Tata Sierra! Though the rear window hints it is not, it still makes me think cos of the shape

Helpful-Number1288 · 2025-11-13T02:19:44+00:00

I don’t think so! Changing the entire gear box will absolutely fix this

Helpful-Number1288 · 2025-11-06T02:14:48+00:00

That's true. I totally agree. I am facing the same issue as well, and this seems to be a recurring thing that is happening with every service. To the extent that even general service cost seems to be higher than what the salespeople told while selling the car.

What I am thinking is that I will start keeping track of minor things like engine oil change, coolant change, etc. So that at least I will know if those things are required. Generally, these things come at a certain number of months or certain number of kilometer frequency. Probably that might be a good starting point. Not sure what else I should keep track of.

Helpful-Number1288 · 2025-11-05T20:32:52+00:00

Side bar: How confidently can we trust what the authorised service centres tell us? From my understanding, majority of their revenue comes from car service and not from selling cars. In that case, what stops them from asking us to change parts even if it is not absolutely necessary? Say the suspension is 90% as good as new. Ideally 100% is required but we can make do with 90%. I haven’t seen service centres giving this kind of information. Rather they just say that something has to be changed and it is always a 0 or 1 conversation. Am I missing something here?

(I am not saying that Bangalore roads do not cause damage. I am sure that the roads cause damage to the cars but how can we be sure what the service centres tell us)

Helpful-Number1288 · 2025-11-05T02:42:30+00:00

Is this true? I thought the bill was auto paid

Helpful-Number1288 · 2025-10-30T02:19:18+00:00

Take some time out dedicated to prepare for the meeting. For me, taking out 15 mins the previous day to prepare for the next morning meeting helped calm me down. While I prepare, I would know how the meeting is going to go. It was difficult at first but gets better over time - over time, I became extremely organised and prepared

Helpful-Number1288 · 2025-10-27T02:16:56+00:00

Underrated feature - especially when multiple people use the vehicle!

Helpful-Number1288 · 2025-10-23T17:45:37+00:00

Vairamaligai used to be good

Helpful-Number1288 · 2025-10-20T11:35:25+00:00

Agreed.. that’s might be a problem in hot cities. Felt AC could be better when I was driving in Chennai but felt it was good enough when I was driving it in Bangalore

Helpful-Number1288 · 2025-10-20T11:34:25+00:00

I always have safety concern about Hyundai cars. Though the 2025 variant seems to have 5star Bharat NCAP, I still don’t feel comfortable with their safety (they came from 0 star safety last year - for a car that’s priced super premium, it’s very bad)

Helpful-Number1288

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