Two-wheelers are the most convenient means of commuting through the hustle of everyday traffic. With changing times, applying for two-wheeler loans have become equally convenient as well. A two-wheeler loan is the most accessible financing option for buying a two-wheeler quickly. The loan application procedures have become simpler, and the schemes are customised for two-wheeler buyers.
While it is easy to apply for a loan online, knowing what needs to be done in advance will help you finish buying a bike on EMIsmoothly without any hurdles. So here are the things you need to do and shouldn’t do while applying for a two-wheeler loan.
Check Your Credit Score
This is a crucial step to follow before applying for 2 wheeler loans. Credit scores are essential in offering you the best deals on your two-wheeler loans. Most two-wheeler loans are unsecured loans; hence credit score advocates your credibility on timely repayment.
Checking if you meet your loan eligibility criteria before applying for a loan will save your time considerably. The two-wheeler eligibility criteria are simple.
The essential eligibility criteria are
Age: The applicant’s age should be between 18 and 65
Salaried individuals – Minimum salary of 96,000
Self-employed – Annual profit of 1,20,000.
If you satisfy the above two eligibility requirements, you can easily avail of a loan with Muthoot Capital.
Muthoot Capital offers the lowest eligibility criteria in the market. It is also necessary to apply for loans that you qualify for. It will lead to seamless approval, elevating your credit score and aiding you to get the higher loan amount without paying higher interest.
Calculate Your EMI
Before applying for a loan, you need to calculate your loan affordability. Your monthly EMI decides the affordability of the loan. If your EMIs exceed your monthly budget, it is difficult to pay your EMI and negatively impact your credit score. Using an EMI calculator to calculate your EMI in advance will help you arrive at affordable EMIs by selecting a particular tenure that will not stress your finances. The free calculator is easy to use and helps you calculate your monthly installments in an instant.
Get A Co-Applicant
If you do not qualify your preferred lender eligibility criteria, adding a co-applicant will help you obtain better deals.
Avoid Applying for Multiple Loans
Applying for two-wheeler loans with multiple lenders will result in several hard enquiries. Each hard inquiry will temporarily make the credit scores drop, eventually resulting in all the loans getting rejected due to low credit scores.
Avoid Errors in Your Application
Fill out your application form correctly without missing any relevant field is imperative for speedy loan processing. Many loans have been rejected due to discrepancies in the application form, and the errors in your application form cost you time delays and hassles. In case of doubt, taking help from our company representative will help complete the process smoothly.
Never Skip Your EMIS
Defaulting on payments will bring down your credit scores drastically. This will make it difficult for you to take other loans in future. Make sure to set timely reminders for payments or avail of the auto-debit more so that you do not have to worry about missing out on EMI payments.
Do Not Overborrow
Borrow the amount you can repay without difficulty. There are times when a bike isn’t affordable to you, but you end up buying it, which will burden your finances. Calculate the exact amount you require and check if it is with your budget by calculating the monthly EMIs using the EMI calculator. It will save you financial stress later.
To ConcludeFollowing the above tips will help you buy a bike on EMI with a simple loan application process. Lastly, going for a trusted finance company like Muthoot will help you get a loan instantly at a comfortable interest rate and tenure. Well known for the best schemes and excellent customer service, you can be at peace if your bike loan is with Muthoot Capital.
Top tips for maintaining your motorcycle mirrors
When you ride your motorcycle, you have several essential items to maintain. One of these items is your mirrors, and they should be in the proper position and adjusted to the right or left as per your preference. Make sure to check your blind spots so that you can avoid accidents.
Blindspot mirrors give you a wider view of what’s going on behind you
The blind spot mirrors are attached to your side-view mirror and are curved at the center. They are helpful for riding as they allow you to see a far-away object from various angles. The main drawback of blind spot mirrors is that they take up a lot of space on your side-view mirrors, but they give you a wider view of what’s going on behind you.
A blind spot mirror is easy. Simply install the mirror on the upper or lower outside corner of the side mirror. The adhesive should be applied to a clean surface to avoid dust or particles. After that, you need to apply moderate pressure for about 20 seconds to bond the blind spot mirror to the side mirror, and it should be firmly fixed to the side mirror.
Blindspot mirrors can be purchased online or through a retail store. Despite their low price, they can improve the safety of the driver. Most vehicles have blind spots, and blind-spot mirrors can help reduce the risk of accidents. Blindspot mirrors are useful in congested areas, but they can also help prevent accidents. You may check the best Motorcycle Mirrors by purposebuiltmoto.com online, so hurry up and get yours now.
The Fit System adjustable blind spot mirror has a two-inch diameter and is backed by a 3M adhesive for easy installation. It is available in a four-pack. The mirrors are rust-resistant metal and feature actual glass instead of plastic. The swivel mounting bracket allows you to adjust the mirror’s position.
The motorcycle mirrors need to be appropriately adjusted to maximize visibility. They should be positioned to show the lane directly behind or to either side. Make sure to minimize the overlap between the two mirrors. Make sure to scan them frequently, especially when coming to a stop. The correct position depends on your motorcycle and riding style. Here are some tips to help you adjust the motorcycle mirrors:
First of all, adjust the left side mirror to see the space adjacent to your bike. This way, you will be able to spot vehicles merging with you. The right side mirror should show what is behind you. The right mirror should widen your total rearview, and it will allow you to control the area behind you more effectively. Once you’ve made these adjustments, you should check your motorcycle mirrors.
If your motorcycle mirrors vibrate, adjust the height of the arm or the position of the left side mirror. To adjust the mirrors, unscrew the lower bolt and turn the outer bolt clockwise. Once you’ve secured the mirrors, you can tighten the mirror bolts using a spanner. Make sure to protect the chrome before tightening them. The mirrors are not easy to adjust. The process may take some trial and error, but it’s worth it.
Mirrors come in many different styles. Some mirrors are bar-mounted, while others are attached directly to the fairing or cowl. There are also mirrors that mount underneath the handlebars. Whatever style you prefer, mirrors can enhance the riding experience and make you feel more secure while traveling at high speeds. Here are some of the styles you should consider for your motorcycle. If you’re looking for a new mirror, consider purchasing one with LED indicators. LED indicators offer a brighter image of your intentions than traditional mirrors.
Aftermarket mirrors are an easy way to make your motorcycle truly unique. Aside from their obvious functional role, they’re also a fun way to customize your track bike. You can find mirrors with wide lenses and long stems with aftermarket options available. Just be sure you have a good understanding of how mirrors work to choose the best one for your bike. You won’t have to worry about losing a valuable mirror.
If you’re looking to purchase a new mirror for your bike, keep these tips in mind. First of all, keep the mirrors clean. Dirty mirrors will affect your visibility and comfort. Always maintain a straight and centered posture while riding a motorcycle. It’s also essential to make sure your mirrors are correctly adjusted to avoid a nasty accident. Keeping the mirrors clean will also ensure a clear view of the road.
Tips for Better Wheel Care
When we think about caring for our cars, most of us immediately turn our attention to our car’s paint. As the most visible part of the car’s condition, it’s actually quite natural that we think about and worry about how the paint looks, whether there are scratches, chips or other imperfections and whatnot.
It’s amazing how easily we forget which parts of our car are really bearing the brunt of the battle in our driving lives, and those are the 4 wheels! Our wheels and tyres are under constant pressure and experiencing a never-ending cycle of wear and tear that we can do nothing to prevent entirely. What we can do, however, is consider the following ways to better care for our wheels and tyres.
1. Regularly Check Tyre Tread
Proper wheel care starts with your tyres, and proper tyre care starts with the tyre tread. Making sure that your tyres have at least 1.6 mm of tread depth is essential because that is the legal minimum acceptable depth on a roadworthy vehicle in Australia. To be safe, you should really have at least 3 mm of tread depth.
To see if your tread depth is sufficient, take a 20-cent coin and place it into one of the central grooves of your tyre tread. If the tread reaches the bill of the platypus on the coin, then you have 3 mm of depth. If it doesn’t reach, then it’s best you start looking for new tyres, because your vehicle traction is significantly reduced.
2. Use Quality Wheel Cleaners
Either hire professional wheel cleaners to get the job done right, or at the very least purchase the right kind of wheel-cleaning products that are formulated specifically for cleaning alloy wheels. When it comes to cleaning your car properly, it’s always best to try and source products that have been specially formulated for the task in question as opposed to using generic household cleaning agents.
One might think they can save money on cleaning their alloy rims by just using any old cleaner, but it’s a bad idea. Many household cleaners are made with harsher ingredients that will actually harm the wheel rims — as well as the rest of your car — when used over time.
3. Avoid Potholes
Potholes are a real problem in the road, especially when it seems local councils and other government bodies take forever to get around to filling them in. Some people don’t worry too much about them, and in doing so put their tyres, wheel rims, and even their whole wheel alignment and suspension at risk when they ride through them.
The main danger when it comes to potholes is that it’s impossible to accurately predict their depth or severity as you’re driving toward them at any speed. It’s always best, therefore, to avoid them whenever possible, and if they are unavoidable, slow right down as if you’re approaching the world’s riskiest speed bump.
4. Have the Alignment Checked Once a Year
Following on from the point on pot holes, your wheel alignment will sooner or later go off-kilter in the course of regular driving, but it can be knocked off balance faster if you’ve had any unfortunate encounters with the kerb, or with potholes, or if you’ve been in any collisions or accidents. Be sure to have your wheel alignment checked as a matter of course every 2-3 years, but sooner if you’ve experienced any of the above-mentioned problems.
5. Clean Brake Dust
Finally, one more thing you should always remember to do as part of your wheel cleaning regimen is to properly clean off brake dust that accumulates on your wheel rims. This dust builds up as you use your brakes over time, and if left on too long will become harder and harder to remove.
6 reasons to invest in an electric bike
In the last decade or so, eBikes have become pretty popular. Since these bikes are affordable and more convenient to own than a motor vehicle or a car, electric bikes have always been a good choice for college students and high schoolers.
But contrary to the belief that electric bikes are only for students, they are actually good for daily commutes to work and even to own as a cycling enthusiast.
Looking for reasons to buy an electric bike? Here are 6 reasons to invest in one!
eBikes are for everyone
Electric bikes are easy to ride for almost everyone. No matter what your ability or experience levels are, electric bikes are one of the easiest mediums of transportation to master. In fact, eBikes are one of the biggest reasons that the cycling scene is becoming more and more inclusive and accessible to all kinds of people and cycling enthusiasts. The ease and convenience of an eBike are one of the biggest reasons you should consider investing in one.
eBikes are affordable
When compared to motor vehicles including motorcycles and cars, eBikes are far more affordable. When you purchase an eBike, there is also no need for registration processes or licensing which further reduces the extra expenses. eBikes also require less maintenance than motor vehicles. Since there is also no need for fuel. Charging an eBike is usually very affordable and convenient. The affordability and low maintenance required by eBikes make them the perfect choice for everyone, from college students to even working professionals.
eBikes are good for daily commutation
eBikes are easy to ride. Thus you can actually ride the bike for long distances without getting tired. This trait of the eBikes makes them a very good choice for those who need a simple and convenient vehicle for their daily commute to work or college. With an eBike, you don’t really need to worry about the traffic or parking which can further ease your commute. You can also use your eBike to commute around the city and run important errands.
eBikes are good for leisure activities (too!)
Think eBikes are only good for daily commutes? Well, you can have a lot of fun with it too! The good thing about eBikes is the fact that it is made for both, fun and work. For example, you can use it during the weekdays to commute to work while on weekends you can go on a cycling trip with the same bike!
eBikes are good for the environment
Motor vehicles that run on fossil fuels like petrol or diesel emit a lot of toxic fumes while on the move. These fumes consist of gases like carbon monoxide, nitrogen oxides, sulphur dioxide, and massive amounts of carbon dioxide. All these gases are known to be very harmful to the environment. eBikes on the other hand are an excellent eco-friendly alternative to motor vehicles for daily commutes. Since there is no use of fuels in an electric bike, there is no toxic emission when it’s on move.
eBikes can help you climb hills
Climbing elevated areas on a bicycle can be pretty tiring since it takes a lot of energy to peddle uphill. Electric bikes, on the other hand, can help you climb easily and quickly.
eBikes can also be used during windy weather since, unlike a regular bike, it’s easier to maintain balance on an eBike, even in strong wind.
Electric bikes are not just a cheap mode of transportation but they are also what the environment requires right now. Electric bikes are easy to ride and convenient to own which is why they are also the ultimate choice for almost anyone, from a college student to an office worker.
Top Tips For Purchasing Genuine Jinko Solar Panels
This article will discuss the Cost and Quality of genuine Jinko solar panels, and we’ll look at Precautions to take when purchasing a solar panel. Ultimately, this article will help you make a more informed decision regarding the solar panel you should buy. You can use this information to avoid purchasing a substandard product, and here’s why.
Purchase at reputable manufacturers.
The manufacturer is the first thing to be aware of when purchasing a genuine Jinko solar panel. Many companies claim to make Jinko panels, but the truth may be different. There are many factors to consider when selecting a solar panel.
The biggest risk of installing fake modules is that the modules do not meet the company’s standards. The manufacturer should be able to provide high quality modules that will last for a long time. During the installation, the quality should be checked. There are many reputable companies in the industry, and you will have to research them carefully to make sure they are the real deal. You don’t want to end up without the quality modules you need to power your home.
Another important consideration when purchasing a genuine Jinko solar panel is the manufacturer. It is best to buy panels that a warranty has backed. The warranty will last for five years and should be fully covered. Moreover, the quality of Jinko solar panels is excellent. JinkoSolar has an excellent reputation for producing high-quality solar panels. This company is constantly trying to introduce new and improved products to help homeowners save money while generating energy.
Make sure it is high quality
Before purchasing Jinko solar panels, make sure that the panel is high quality. It should also be affordable and have a good warranty. Some panels are imported from Asia and may have a longer lead time than other brands. Be sure to check out the warranty period before purchasing.
Reputation of jinko solar panels
Jinko Solar from Symons Energy are experts in Jinko solar panels, and it has an untarnished global reputation. They offer high-quality solar panels with excellent customer service. Purchasing solar panels from Jinko Solar is an investment that will pay off for decades. Customer service is the foundation of a quality solar module manufacturer. Customer service is responsive, helpful and reliable. Jinko Solar is a global leader in solar power and has a stellar reputation. It also conducts deep due diligence on its material suppliers, ensuring that they use only high-quality raw materials and production facilities. While Jinko solar panels are not as expensive as other brands, they still offer high customer support.
Jinko is a leading solar panel manufacturer, shipping out one of every 10 solar panels worldwide. It has won numerous awards and accolades over the years for the quality of its solar panels.
Founded in China in 2006, Jinko has grown to become one of the largest solar panel manufacturers in the world. Their manufacturing facilities are in China, Malaysia, Portugal, and South Africa. Jinko faces intense pressure to maintain warranties and support services with such high manufacturing output.
Jinko Solar’s modules are produced with nanotechnology-based silicon ink. They are certified to meet internationally recognised organizations’ strict quality and environmental standards. These high-quality modules can withstand extreme temperatures, wind loads, and snow and have been rigorously tested. They have also been subject to strict mechanical loading tests. In addition to these, Jinko solar panels offer the best customer support so that you can feel comfortable with your purchase.
Jinko Solar Panels are certified by the Small-scale Renewable Energy Scheme, Australia’s home solar rebate program. They also have excellent Anti-PID performance guarantees. The company’s solar panels are suitable for high-voltage systems up to 1500 VDC and boast low BOS costs. The company has 4 panels and boasts a 30-year linear warranty. Listed in Australia, Jinko has branches in all states.
The company has been making solar panels since 2006 and is one of the world’s leading manufacturers. The company has been listed in the stock exchange market since 2010 and boasts over 16GW of solar panels in deployment across the globe. They have a near-perfect on-time delivery rate, and their management has a proven commitment to their customers and has a history of integrity. You can feel confident purchasing a Jinko solar panel from Jinko Solar, so read on to learn more about its quality.
What is the Role of Personal Injury Attorneys in a Car Accident in Los Angeles?
Personal injury attorneys may be able to represent you in a car accident, but this is not always the right solution. The decision of whether or not to hire a personal injury attorney will depend on your goals and the specific situation you find yourself in.
Have you been injured in an automobile collision? A personal injury attorney los angeles can evaluate your case and explain your legal options. A personal injury attorney can also help you recover financial compensation for damages stemming from your accident, such as medical bills, lost wages, property damage, and pain and suffering.
In addition, these attorneys are familiar with the laws and court systems to make sure you receive fair compensation. Los Angeles personal injury attorneys may be able to settle your claim before it goes to trial.
In a car accident, hiring a personal injury attorney may be the best solution for you if:
• You want to sue the at-fault party for more than $25,000.
• The other driver is uninsured or underinsured.
• The other party was driving while intoxicated or drugged or presented a fraudulently obtained driver’s license.
• You were injured due to the negligence of the parties involved in a multi-vehicle collision and have sustained significant damages as a result.
What Factors Influence the Decision to Hire a Personal Injury Attorney?
The best personal injury lawyer for you will be one that offers an efficient, cost-effective solution to your legal issues. A personal injury attorney will also evaluate your case and explain the extent of damages. If you hire the wrong lawyer, there may be additional fees involved to rectify the problem or lower your legal fees.
An attorney’s background and experience will affect your decision to hire them. Look for someone with a strong track record, good communication skills, and a history of successful cases. There are many personal injury law firms that advertise on television. Some of these lawyers may not know the ins and outs of personal injury law or have any experience with a specific case. If you need legal help, be careful about choosing an attorney without first speaking to them directly.
A personal injury attorney who has successfully handled cases involving your particular accident or injury may be the best choice for your situation. Although certain types of injuries require specific legal expertise, there are many situations where a general practice personal injury attorney will be more than capable of handling a claim effectively.
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