Mere paas already ek 2-wheeler tha jo maine IDFC Bank se loan par liya tha. Us loan ki sirf 3 mahine ki EMI pending thi. Normally log sochte hain ki jab tak ek loan close na ho, tab tak dusra loan milna mushkil hai. Lekin us waqt mujhe urgently ek aur 2-wheeler lena tha, aur main Bihar me tha.
Main directly showroom/agency me gaya. Staff waha ke kaafi supportive the. Unhone pehle mera existing loan record check kiya. Kyunki maine ek bhi EMI bounce nahi ki thi, unhone bola ki dusra loan mil jayega.
Haan, is baar mujhe interest rate thoda high mila compared to pehle loan ke, lekin process smooth raha. Sirf PAN, Aadhaar aur repayment history strong hone ki wajah se approval easily mil gaya. Within kuch din dusra bike bhi mere naam ho gaya.
👉 Agar aapke paas bhi ek running loan hai aur dusra two-wheeler chahiye, to tension lene ki zarurat nahi. Agar aapka repayment track clean hai, to same bank se loan mil sakta hai. Aur agar same bank hesitate kare, to aap kisi new bank me try kar sakte ho.
Mere personal experience se ek hi seekh mili — EMI kabhi bounce mat hone do, fir chahe Bihar ho ya koi aur jagah, loan lene me problem nahi aati.
Bihar me ek 2-wheeler hote huye maine kaise liya dusra loan (July 2025 Experience)
By Sandeep Yadav • Car • Hajipur •