Car Loan Golaghat

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Rates as low as 8.50%*
Up to 100% Funding
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Best Banks for Car Loan in Golaghat

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 Golaghat Features

Have a dream car in mind but don’t have sufficient finance? Want to own a personal car that can fulfil your essential need? Apply for a car loan Golaghat at affordable best interest rates.

A car loan is a type of secured loan that an individual can avail to buy a new or a used car, however, required. The collateral security, in this case, is the car a person wants to buy which means the loan amount is provided against the car. Some of the features of car loan as follows:

car loan golaghat

  • Instantly available
  • Loan Tenure period varies from 5-7 years
  • Affordable interest Rates
  • Easily and quickly available loans
  • No hidden charges

Car Loan Golaghat 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 Golaghat Documents Required

  1. Identity Proof: Aadhar Card/ Driving License/ Passport Copy, etc. are majorly accepted
  2. Income Proof: Previous 3 months bank statements and salary slips for a salaried individual and recent ITR files for a self-employed individual are considered for a car loan
  3. Address Proof: Permanent address proof like Water Bill/ Telephone bill/ Voter ID/ Passport Copy
  4. Photograph: 2 recent passport size photographs

Car Loan Golaghat Eligibility Criteria

  1. The age limit for availing a car loan among 21 to 65 years
  2. A salaried person must be working in the current organization for at least a year.
  3. A Self-employed individual must have his business running from at least the previous three years.
  4.  An employed individual must have a minimum salary of Rs 25k to avail of a car loan.

How to Apply for Car Loan Golaghat?

Applying for a car loan in Golaghat is an easy and hassle-free process. The best way to apply for a car loan is by applying online with DialaBank.

  1. Visit our website DialaBank.
  2. Select the Car Loans tab on the homepage.
  3. Fill an online application form providing all your personal and professional details.
  4. Provide your current valid contact number so that our customer executives can get in touch with you for further assistance.

There is also an offline method available for applying for a car loan in Golaghat which requires the individual to physically visit the nearest branch office of the bank or NBFC and perform the formalities.

Processing Fees & Prepayment Charges on Car Loan Golaghat

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 Golaghat

CIBIL score is an essential criterion for availing a car loan based on which the banks and NBFCs approve a car loan to any customer. The minimum requirement of a CIBIL score for a car loan Golaghat varies from bank to bank. Generally, a score above 750 is considered to be a good score for any individual to be eligible to apply for a car loan in the city.

It is important that one should clear all the previous pending dues and debts in order to maintain a good credit score, before availing a car loan. Default in your credit score will act as a hurdle in your opportunities for availing a fresh loan in the future.

Car Loan Golaghat Contact Number

To get an instant car loan Golaghat you can visit our website or call on 9878981166 to get personalized assistance.

Pre Calculated EMI Table for Car Loan Golaghat

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

You can calculate your EMI here: Car Loan EMI Calculator

About Golaghat

Golaghat perhaps the biggest region of the territory of Assam. The current economy in Golaghat started with an arrangement of composed finances that began in 1926 with a working part of the Gauhati Bank. Golaghat is an agrarian economy, comprising cultivation of cash crop: tea, besides food crops, such as rice and sugarcane

Car Loan EMI Calculator

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