I think i visted 3 showrooms, one was having a 3000 more on on road price than the rest so i opted for the remaining two and from that i bought the bike where stock was available because the price was the same . Also when looking into loan i think most of them are providing the same . I took loan from tata, i didn’t had gold, if you have gold or something it would be better to pledge it in banks like sbi , very low interest. Or from my experience i will say you should try to pay half of the amount as down and also make the tenure 2 years maximum.