Car Loan Giridih

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Best Banks for Car Loan in Giridih

Feature
HDFC Bank
ICICI Bank
Kotak Mahindra Bank
Interest Rate
8% - 8.4 %
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 GiridihFeatures

car loan gridihWant to own a luxury car but don’t have enough funds for it? Worry not! A car loan might just be what you need. Car Loan is a secured loan with easy repayment options available for the applicants in the form of monthly instalments. The loan amount is offered on Interest rates, which differ from one lender to another. You can avail a car loan for purchasing a new car as well as a used car, as per your needs.  The car loan requirements and criteria vary from one lender to another. So if you are thinking of purchasing your dream car, get an instant Car loan with DialaBank at best offers available.

Car Loan Giridih 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
1%
Nil
Andhra Bank Car Loan
Nil
Nil

 

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

Car Loan Giridih Documents Required

  1. Identity Proof in the form of Passport copy, Driving License or any other proof
  2. Income Proof For Salaried Employees– Latest 3-month salary slip with form 16 / For Self Employed- Latest ITR
  3. Address Proof: Passport Copy /Driving license / Voters card / Passport Copy / Telephone Bill / Electricity Bill / Life Insurance Policy /PAN Card
  4. Complete Bank Statements for the last 6 months.
  5. ITR filing for the previous 2 years for self-employed people is necessary.

Car Loan Giridih Eligibility Criteria

Car loan eligibility criteria for the salaried and self-employed applicants for a car loan in Giridih vary in the following manner:

  1. Minimum age: 21 years for salaried persons and 30 years for self-employed persons
  2. Maximum age at loan maturity: 60 years for salaried and 65 for self-employed
  3. Minimum employment: For Salaried- 1 year in current organization and a minimum of total 2 years of employment / For Self Employed– a minimum of 3 years in business
  4. Minimum Annual Income: For Salaried Rs 100000 net annual income is necessary / For Self- Employed Net profit Rs. 60k p.a for standard cars and Rs.100k p.a. for mid-sized and premium cars are considered eligible

How to Apply for Car Loan in Giridih?

Applying for a car loan Giridih is easy with DialaBank. Just visit our website at dialabank.com and follow the following simple steps to avail the best offers:

  • Click on the car loan option available in the loan menu of the website.
  • Fill in your personal details as required, like name, location, contact details, etc.
  • Submit the application form and wait for best offers
  • You will be contacted by our car loan Relationship manager soon to guide you further through the steps required for the car loan.

You can also avail of a car loan offline by visiting the nearest branch available of banks offering car loans. But that would certainly limit your option to only a particular offer. It would also require you to make multiple visits to the banks or NBFC to get your loan approved and for documentation. Thus, when you think of a car loan in Hospet DialaBank is your best agent available.

Processing Fees & Prepayment Charges on Car Loan Giridih

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 Giridih

CIBIL score is a credit value that describes your creditworthiness of the past. So, it is an important factor to keep in mind while availing or applying for a car loan. The CIBIL score required for car loans may keep varying from one lender to another depending on their own requirements. Most banks and NBFCs accept a CIBIL score of 750 and above to process your car loan application in Hospet. In case of a low CIBIL score, you might be required to pay quite a heavy interest rate on the total loan amount.

Car Loan Giridih Contact Number

For any queries regarding the car loan Giridih, you may contact us on the number 9878981166.

Pre Calculated EMI Table for Car Loan Giridih

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 Giridih

Giridih is the base camp of the Giridih locale of Jharkhand state, India. The strict significance of Giridih is the place where there are slopes and hillocks.

Car Loan EMI Calculator

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