Car Loan Dispur

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Car Loan Dispur

Best Banks For Car Loan in Dispur

Feature
HDFC Bank
ICICI Bank
Kotak Mahindra Bank
Interest Rate (p.a.)
7.35% - 7.95 %
8.5 - 9.5 %
11%
Min Loan Amt
Metro : 1 Lac & Non Metro: 75000
75000
75000
Max Loan Amt
1 Cr
1 Cr
1 Cr
Loan Tenure
Upto 7 Years
Upto 5 Years
Upto 5 Years
Processing Fee
1999 - 4999 + Tax
0.25% to 1.50%
0.25% to 1.50%
Preclosure Chgs
2%, Nil after 24 months
2%, Nil after 36 months
Nil
Loan to Value (LTV)
Upto 100% on Ex- showroom
Upto 95% on Ex- showroom
Upto 90% on Ex- showroom

Car Loan Dispur Features

car loan dispur

Buying a vehicle is no more a difficult task now as one can avail a Car Loan. This loan provides funds to people to pay for the vehicle. It is a better option for people who do not have the entire amount to pay for the purchase of the car.

A Car Loan is a secured loan with easy repayment options available through various banks. The total loan amount can be up to 85% of the car based on the Ex-showroom or On-road price of the vehicle. The interest rate varies from bank to bank. The car loan criteria vary upon certain factors like your income, CIBIL score, etc.

So if you are thinking of purchasing your dream car in Dispur, get an instant Car loan with DialaBank at an affordable rate of interest. Visit us at www.dialabank.com.

Car Loan Dispur Interest Rate

Bank Processing Fee
Prepayment Charges
HDFC Bank Car Loan (1999 - 4999) + Tax
2%, Nil foreclosure charges after 24 months
Axis Bank Car Loan 1 % to 2.50% Nil
ICICI Bank Car Loan 0.25% to 1.50%
2%, Nil foreclosure charges after 36 months
SBI Car Loan 500/- to 0.50% Nil
Kotak Car Loan 1% to 2%
2.25% of fore closure amount if closed 1 month ahead of the tenure.
IIFL Car Loan Nil Nil
Muthoot Car Loan Nil Nil
Manappauram Car Loan Nil Nil
PNB Car Loan 0.70% to 1% Nil
Canara Bank Car Loan 0.01 Nil
Andhra Bank Car Loan Nil Nil


To check Car Loan Interest Rate for all major banks you can visit: Car Loan Interest Rates

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Car Loan Dispur  Documents Required

Documents required for car loan are as followed:

For Salaried Individuals:

  1. Proof of Identification: Passport copy, PAN Card, Voters ID card, Driving License
  2. Income Proof: Latest 3-month salary slip with form 16
  3. Residence Proof: Ration card / Driving license / Voters card / Passport Copy / Telephone Bill / Electricity Bill / Life Insurance Policy /PAN Card
  4. Bank Statement: Last 6 months.

For Self Employed Individuals:

  1. Identification Proof: Passport copy, PAN Card, Voters ID card, Driving License
  2. Income Proof: Latest ITR
  3. Address Proof(anyone): Ration card/ Driving license / Voters card / Passport Copy / Telephone Bill / Electricity Bill / Life Insurance Policy /PAN Card
  4. Bank Statement: Last 6 months.

Car Loan Dispur Eligibility Criteria

The car loan eligibility requirements are as followed:

You should be at least 21 years of age to apply for a car loan. The maximum age of a person should be 65 years at the time of maturity of the loan.

For Salaried: You should be having a minimum of 2 years of employment and you should be working for at least 1 year in your current employment. The minimum annual salary required is Rs. 100000 as net annual income.

For Self Employed: You should be in the business for at least 3 years. A net profit of at least Rs. 60000 p.a. should be there for standard cars and Rs. 100000 p.a. for mid-sized and premium cars.

Car Loan for Major Car Manufacturers in Dispur

TABLE WILL APPEAR

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Processing Fees & Prepayment Charges on Car Loan Dispur

Category Details
Processing Charges
1999 - 4999 + Tax
Prepayment
No prepayment is allowed until 12 EMIs are paid
Preclosure
No foreclosure is allowed until 12 EMIs are paid
Prepayment Charges
13-24 months: 2% of loan principal outstanding
>36 months: Nil Charges
Stamp Duty
As per state laws
Cheque Bounce Chgs
₹ 550/chq + GST
Floating Rate of Interest Not Applicable
Overdue EMI Interest
2% p.m.(on overdue amount)
Amortisation Schedule Chgs Rs 200 + GST

CIBIL Score Required for Car Loan in Dispur

A CIBIL score of 750 and above is considered to be very good and it attracts a lower rate of interest for car loans in Dispur. However, a CIBIL score between 650 to 750 could be considered if you have a good income but a slightly higher rate of interest will be offered in that case.

If you have defaulted in your CIBIL score or the score is very low, then your application might be rejected.

The institutions don’t just look at the overall score but also the detailed behavior on the previous loans taken. This includes details on the type of loan taken and the amount borrowed. Any delayed payments for previous loans can act as a barrier to avail a fresh car loan.

Check your CIBIL score in your credit report for more information on the score.

Car Loan Dispur Contact Number

Customers can contact us at +91 9878981166 to get exclusive car loan deals right from your home or can apply

on our website www.dialabank.com.

Pre Calculated EMI Table for Car Loan Dispur 

Rate 5 Yrs 4 Yrs 3 Yrs
10.50% 2149 2560 3250
11.00% 2174 2584 3273
11.50% 2199 2608 3297
12.00% 2224 2633 3321
12.50% 2249 2658 3345
13.00% 2275 2682 3369
13.50% 2300 2707 3393
14.00% 2326 2732 3417
14.50% 2352 2757 3442
15.00% 2378 2783 3466

Car Loan EMI Calculator

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About Dispur

Dispur is the capital of the Indian state of Assam.

Dispur, a locality of Guwahati, became the capital of Assam in 1973. This was after Shillong, the erstwhile capital became the capital of the state of Meghalaya that was carved out of Assam.

Dispur is also known for the Guwahati Tea Auction Centre. A large variety of tea is auctioned here. The center has seen the largest volume of CTC tea auction in the world.

Special Note: Banks do not provide Car Loans to bad credit holders, but one can fulfill their money requirement with Gold Loan easily.

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