Fear can be a great motivator. In the time of the Covid-19 crisis, many want to avoid public transport and shared vehicles in order to avoid infection. In such a situation, many who are holding on to their money, are going for pre-owned vehicles instead of new ones, just to avoid a higher EMI. But did you know that banks allow you to customise your EMIs? Sahil Arora, Director, Paisabazaar says, "Many lenders have started offering step-up and balloon repayment options to car loan borrowers." Many auto companies have also tied up with lenders to offer different versions of these