Dont make this mistake before you buy Honda City? (30-5-15 Rule) #oolka #creditworthy #car

“Sirf ₹13,000 EMI” sunke car affordable lagti hai, lekin micro-EMI trap me total payout bahut bada ho sakta hai. Is video me hum Honda City example se samjhayenge ki lambi tenure aur chhoti EMI kaise aapko interest me 2× tak pay karwa sakti hai—aur kaise 30-5-15 Rule se sahi budget set hota hai.

30-5-15 Rule (remember this):

30% down payment

5 saal ka tenure (max)

EMI ≤ 15% of take-home salary
Example: ₹70,000 salary → EMI cap ≈ ₹10,500

Why micro-EMI is risky:

Lambi tenure = zyada total interest

“Sasti EMI” ke chakkar me 2–3x tak pay

Upgrade/resale ke time negative equity risk

Quick self-check:

EMI cap = take-home × 15%

Tenure ≤ 60 months rakho

Down payment ≈ 30% target karo

APR, processing, foreclosure charges compare karo

Apni salary, down payment & expected EMI comments me likho—hum quick sanity check de denge.
Aise hi practical money math ke liye subscribe karo.
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