Your Tuk-Tuk Loan Now Needs 60% Down, Same as a Car — Fair to Livelihood Buyers?

The Central Bank's loan-to-value cuts aimed at curbing car and SUV credit quietly swept up three-wheelers too. Maximum financing for tuk-tuks, along with cars, SUVs and vans, dropped from 50% to 40% of the vehicle's value, while commercial vehicles were only cut to 60%. For someone buying a three-wheeler as a livelihood tool worth Rs 1.1-1.2 million, that's the gap between finding roughly Rs 450,000 upfront instead of Rs 550,000 last year. One side says it's necessary — easy three-wheeler credit fed the same dollar-outflow and bad-loan problem hitting banks on every vehicle class, so carving out an exception would just shift the risk, not remove it. The other side says a tuk-tuk isn't an SUV: it's a working tool, not a lifestyle purchase, and a driver who could clear 50% down last year may not clear 60% now, pushing him toward informal lenders at worse rates. If you've financed or tried to finance a three-wheeler this year, what deposit did your finance company actually ask for, and did it match this rule? තුන් රෝද රථයක ණය සීමාව කාර් එකක් වගේම 40%ට අඩු කිරීම සාධාරණද?