Bike Loan on Fixed vs Floating interest Rate

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  • 1 Years ago
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Fixed or Floating Interest Rate for Bike Loan

Making the Right Choice for Your Two-Wheeler Loan: Fixed Interest Rates vs Floating Interest Rates

If you’re exploring the market for buying a two-wheeler, the options available are plenty. From the commuter ones to the higher-end sports models, the varieties available are abundant. Irrespective of whichever model you chose, it might be difficult to finance it entirely from your pocket, which is why you might consider the financing options available. 

With the growing demand for bike loans in India, banks are doing all they can to meet our needs and are giving out various attractive funding options, such as decent interest rates, exciting festival discounts, and higher repayment periods. With the number of financers available in the market being ample, offering highly competitive interest rates and flexible repayment terms, you must know the basics before setting out to take a motorcycle loan. Availing a loan without knowing the repayment liabilities associated with it might damage your financial security in the long run. Therefore, it is crucial that you use an EMI calculator and find out clearly how interest rates work on trail bike loans before finally proceeding and applying for a loan.

Key Components of a Motorbike Loan

Just like any other loan, when you’re availing a scrambler loan, you need to repay the same through equated instalments or EMIs, which include interest. There are primarily three factors that affect the number of EMIs you will be paying. Loan calculators make your job easier by taking these three factors into consideration and give you a holistic and approximate view of how many EMIs you need to pay.

As a borrower, you only need to enter the three parameters as per your preferences, and the rest of the job will be done by the calculator. You will have a clear idea of the instalments and other necessary and relevant data before you apply for the loan.

Below are the key components that need to be considered:

  • Principal: Put simply, the principal or the main sum is the total amount you want to borrow from the bank or the NBFC of your choosing. If the principal amount is higher, you would have to pay higher amounts as EMIs and vice-versa. So, you can aim to restrict the ticket size of the trail bike loan and, as much as possible, try to self-finance it in order to ensure that your monthly bills are kept under control. You must enter the principal sum information in the area marked accordingly in the loan calculator without any mistake.
  • Interest rate: In addition to the repayment of the sum of the principal, creditors must still pay interest on it. The interest rate refers to the percentage of interest on your motorbike loan charged by the bank or NBFC. Higher interest rates would ultimately lead to higher loan prices, meaning higher EMIs and vice versa. The interest rate for a dirt bike loan, calculated by your lender, cannot be regulated. However, a comparison amongst several lenders’ interest rates can be made, and you can ultimately stick to the bank that charges the lowest interest rate. You can also choose between the fixed interest rates and the floating interest rates.
  • Tenure: Tenure is the net term of your repayment period on your loan. If you want to keep the tenure limited to a year, the loan will be repaid faster with higher EMIs than if you choose to have a long term. It is your financial situation that should help you determine the tenure of your scrambler loan. If your wallet requires it, it’s always prudent to clear dues earlier. But if you’re not in a well-off state, it is always better to extend the tenure to pay off with smaller EMIs.

How Does the Interest Rate Work on Trail Bike Loans?

Choosing between fixed and floating interest rates has been an eternal dilemma for every loan borrower. Since both banks and NBFCs offer both fixed and floating interest rates, it is best to choose what suits us the best. As the interest rate is the most significant and vital aspect of any loan, it is crucial to choose the right one to prevent financial stress or to default during the loan period.

  • Fixed interest rate: Under the fixed interest rate scheme, the interest rate remains constant, and a fixed amount is charged as EMI at equivalent intervals according to the tenure of the loan. The benefit of the fixed interest rate is that it does not differ even with fluctuations in the Indian financial market conditions. When the market is down, a fixed interest rate becomes the first and the preferable option. By blocking or fixing the rate according to their desire, customers take the opportunity. Put simply, if you do not believe a stock market would fall below a certain point or expect an increase in interest rates, it would be better to choose a fixed interest rate.
  • Floating interest rate: The unpredictable and constantly changing interest rate is called the floating interest rate according to the business scenario. This rate depends on the base rate provided by different lenders, so the interest rate will be automatically revised as soon as the base rate changes. Floating interest rates are comparatively cheaper than fixed interest rates. The fixed interest rate of interest is usually 1% to 2.5% above the floating interest rate. The rise and fall in the floating interest rate are temporary, as it changes according to developments in the market and economy. For short-term loans like motorbike loans, the floating interest rate could be a preferred option if you’re a risk-taker.

How Does Calculating the EMI Beforehand Help You?

Calculating the EMI is instrumental while planning your repayment and financial future during the loan tenure. Here are some aspects that become easier when you calculate it beforehand:

  • Know the credit limit that you can avail without overburdening your finances: It becomes quite tempting to go overboard and borrow an unnecessarily large amount when opting for a loan. With regard to EMIs, though it may help you buy your dream bike, it will disrupt your finances. Hence, you should make an educated decision using a calculator to calculate your EMIs before you take a loan. If the payments for your selected loan are just too high, aim to adjust the principal amount and tenure before you obtain the desired result. You may use a scrambler loan calculator to prepare your loan repayment budget so that you can reliably pay off your EMIs without losing much.
  • Helps you choose the most suitable loan tenure: You might be tempted to choose the longest term available, as it means smaller EMIs, but is it the right choice? The longer the term of the loan, the more interest you will pay. An EMI calculator for TW loans demonstrates how the cumulative interest charged by the credit rises as long as you plan to repay. Therefore, shorter tenures will allow you to keep a check on your total costs. Different combinations of tenure and principal can be attempted to balance interest payments with EMIs in the right way and hence choose the one that suits you the best. An EMI calculator helps you speed up this decision.
  • Indispensable for comparing the various loan offers: The most attractive benefit of calculating the EMI beforehand is that you can easily compare the interest rates available in the market with multiple lenders. Based on your preferred bank or NBFC, your motorcycle EMIs will differ considerably at various interest rates. The best way to assess the right option for your case is to compare the different loan offers available. Using an EMI calculator, you can skip these otherwise time-consuming calculations leaving no scope for error.

You can use this EMI calculator by Shriram City to easily calculate your EMI and go for the best option. However, if you’re looking for a motorcycle financing option, look no further—Shriram City is here to your rescue. With the lowest interest rates, minimal documentation, and quick disbursement, don’t wait to bring your dream bike home. Apply for a loan here!

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Important Things to Keep in Mind While Applying for a Gold Loan

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Overcome these common challenges while applying for a business loan online

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MSME Loans & Its Importance

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Repayment of Gold Loan

  • May 10 2021
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Safe Investments With High Returns In India

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Is a PAN card mandatory for a gold loan

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How You Can Pick The Best Business Loan

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Why Fixed Deposits - An ideal Investment Option for Beginners

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Benefits of Taking Loan for Two Wheeler

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What are the Alternatives for a Business Loan?

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The 5 Biggest Mistakes to Avoid When Getting a Business Loan

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Is It Possible For a Single Customer in Shriram City to Invest in Both FDs and RDs From the Same Account?

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Reasons and Benefits of Owning a Two Wheeler in City

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What are the Opportunities for AI in the Financial Sector?

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Why Shriram City Union Finance Fixed Deposits Should Be Your Preferred Investment Option

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Comparing Other Investments methods to Fixed Deposits

  • Oct 22 2021
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Comparing Two Wheeler Loan Rates : Key Points to Consider

  • Oct 27 2021
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Why are SME Loans Crucial for Your Company's Growth?

  • Jan 20 2022
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Best Gold Loan Tips You Will Read This Year

  • Jan 21 2022
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11 Ways to Completely maximise your business with the help of Shriram city business Loan

  • Feb 02 2022
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Why It's Easier to Succeed With business Loan Than You Might Think?

  • Feb 09 2022
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Is a Guarantor or Introducer Necessary for Availing a Gold Loan?

  • Apr 13 2021
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How to Save Money in Fixed Deposit?

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Does Shriram City provide an EMI calculator?

  • May 13 2021
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NBFC vs Bank: What makes NBFC better than banks

  • May 24 2021
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How to Fulfill your Dreams of Success with Business Loan

  • Jun 23 2021
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How to keep your FD money safe through the best investment ideas

  • Sep 07 2021
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  • Fixed Deposit

How to Plan and Save for a Baby: A blog on how to save for a baby's future

  • Sep 07 2021
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Choosing the Right NBFC for Your FD: A blog discussing how to choose the best NBFC's for FD

  • Sep 08 2021
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How to Save Money on your Budget | How to Build Financial Capital in a Small Town

  • Sep 09 2021
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How to choose your business loan online based on interest rates

  • Dec 07 2021
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How Are NBFCs Keeping up with the Gold Demand Surge?

  • Dec 10 2021
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Type of Fixed deposits you should buy before you retire

  • Jan 25 2022
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How to Explain Fixed Deposits to Millennials?

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10 Reasons As To Why You Should Take A Two Wheeler Loan

  • Feb 07 2022
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Gold Loan: Expectations Vs. Reality

  • Feb 08 2022
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Gold Loan Eligibility – Everything You Need to Know

  • Apr 27 2021
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Invest in Fixed Deposits: Safest and Secure way to get higher returns

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Get a fixed deposit with Shriram City & boost your savings today

  • May 07 2021
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Easy ways to repay the Loan against Jewellery

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Benefits of Availing Two Wheeler loan with Shriramcity

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Understanding Principal And Tenure Of An SME Loan

  • Oct 19 2021
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What is the Importance of a Fixed Deposit on Your Financial Portfolio?

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How To Evaluate Interest Rates And EMIs For Two Wheeler Loans

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Is investing in Corporate FDs a good option to build your corpus?

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How to Buy Gold Loans on a Low Budget

  • Jan 21 2022
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Business loans: Expectation vs Reality

  • Feb 09 2022
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Shriram City: One stop solution for the needs of MSMEs

  • Jun 18 2021
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What is your money worth: A blog about understanding FDs and how you can make the most of them

  • Sep 03 2021
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How Does My Personal Credit Affect My SME Loan?

  • Oct 19 2021
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The Smoothest Way to Apply for Two-Wheeler Loans

  • Oct 27 2021
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How can students save money every month and get the highest return?

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Which Fixed-Income Investment Is Best for You Is Determined by Your Time Scale

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Tax Indemnity for Two Wheeler Loans

  • Oct 19 2021
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How Does An SME Loan Help In Business Growth And Expansion

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  • Business Loans

Extensive Guide for Choosing a Fixed Deposit with the Best Interest Rates

  • Nov 27 2021
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Two Wheeler Loan: Know all about Two Wheeler Loan

  • Aug 24 2020
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Bike Buying Guide: Factors to Consider While Buying Bike

  • Feb 27 2021
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