Car Loan Ghaziabad

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Car Loan Ghaziabad

Best Banks for Car Loan in Ghaziabad

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 Ghaziabad Features

Car Loan GhaziabadA car loan is financial assistance or support provided by banks and NBFC’s to individuals to fulfill their dreams of having their own car. They provide all the necessary funding according to your eligibility for purchasing a car which can be on Ex-Showroom Price or On-Road Price of the car. A car loan is a secured form of a loan with easy repayment options at the best possible interest rate. Low-interest rates EMI options are available for car loans Ghaziabad.

Car Loan Ghaziabad 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 Ghaziabad Documents Required

The following documents required:

  1. Identity Proof: Passport copy, PAN Card, Voters ID card, Driving License, or any other valid proof identity
  2. Income ProofFor Salaried– Latest 3-month salary receipt with form 16
  3. For Self Employed- Latest ITR returns filed
  4. Address Proof: Ration card / Adhar card/ Driving license / Passport / Telephone Bill / Electricity Bill / Life Insurance Policy /PAN Card or any other address proof
  5. Bank Statement: previous near about 6 months statements be required.

Car Loan Ghaziabad Eligibility Criteria

The car loan eligibility requirements are as followed in Ghaziabad:

SALARIED INDIVIDUALS

  1. Minimum age: 21 years
  2. Maximum age at loan maturity: 65 years
  3. Minimum employment: 1 year in current employment and a minimum of 2 years of employment.
  4. Least Annual Income: Rs 100000 net yearly pay.

SELF-EMPLOYED INDIVIDUALS

  1. Minimum age: 30 years
  2. Maximum age at loan maturity: 65 years
  3. Minimum employment: At least 2 years in business
  4. Minimum Annual Income: Net profit Rs. 60,000 Per Annum for standard cars and Rs.1,00,000 Per Annum for mid-sized and premium cars

How to Apply for Car Loan in Ghaziabad?

The process of car loan application is easy with DialaBank. The reasons why DialaBank should be considered to avail a car loan in Ghaziabad are:

  • We are India’s first-ever financial helpline.
  • The loan gets disbursed within a few hours of applying with us.
  • The entire process is hassle-free.
  • Get expert advice on car loans through our relationship managers.
  • You have the option to opt for a door-step pickup facility of your documents

To apply with us, just go to our website i.e dialabank, and fill the form of a car loan with your personal details. You will soon be contacted by our customer relationship manager who will assist you further in choosing the best bank/NBFC for you according to your need for a loan amount.

You may also visit the nearest branch personally to avail of a car loan which may not be convenient or may require multiple visits for approval.

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Car Loan for Major Car Manufacturers in Ghaziabad

TABLE WILL APPEAR

Processing Fees & Prepayment Charges on Car Loan Ghaziabad

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 Ghaziabad

CIBIL score also known as credit score is the score that defines the credit-history of an individual. The creditworthiness with which a person has paid off his previous loans can be depicted through this score. Any kind of loan including the car loan requires a good CIBIL score of the individual. The exact value may differ from one bank to another bank. But, a score of 750 and above is considered a good score and makes the entire process of car loan availability easy and convenient and fast.

Higher the CIBIL score, the high chance of approval it becomes for an individual to avail of a car loan.

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Car Loan Ghaziabad Contact Number

For any queries related to a car loan Ghaziabad, you may call us on this number 9878981166.

Pre Calculated EMI Table for Car Loan Ghaziabad

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

About Ghaziabad

Ghaziabad is a city in the Indian territory of Uttar Pradesh and an aspect of the National Capital Region of Delhi. It is the regulatory central command of the Ghaziabad region and is the biggest city in western Uttar Pradesh, with a populace of 1,729,000.

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Car Loan EMI Calculator

You may also check the car loan EMI calculator available on our website.

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