I want to know It is better to save the money slowly or get the loan from bank.

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I want to know from the mylot members that if want to buy any land or car should i go for the loan from private bank or else slowly save the money and get it. I think saving money will take care long time and if the money is with us it will be easily spend by me. There is other problem with loan that we are paying lot of interst to banks. May i get some solutions from the members.