Car Loan Gopalganj

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Car Loan Gopalganj

Best Banks for Car Loan in Gopalganj

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 Gopalganj Features

car loan gopalganj

Many banking institutions and Non-banking Financial Institutions provide car loans at cheaper interest rates and these institutions are made available to you by Dialabank, so if you want to make the most of the loan then quickly apply for a loan from Dialabank. A car is a luxury and you do not want to pay a high rate of interest for these cars, so to get a rate of interest which is lower you should maintain a good CIBIL score too

Car Loan Gopalganj 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 Gopalganj Documents Required

Documents required for car loan are as followed:

For salaried:

  • Identity Proof: PAN Card copy, Voters ID card copy, Driving License copy of the applicant
  • Income Proof:  Latest 3-month salary slip copy with form 16 of the applicant
  • Address Proof: Telephone Bill/Electricity Bill/Life Insurance Policy/PAN Card/Ration card/Driving license/Voters card/Passport Copy/ of the applying person
  • Bank Statement: Last six months bank statement having all the documents of the applicant

For self-employed:

  • Identity Proof: PAN Card copy, Voters ID card copy, Driving License copy of the applicant
  • Income Proof: Latest Income Tax Report copy.
  • Address Proof: Telephone Bill/Electricity Bill/Life Insurance Policy/PAN Card/Ration card/Driving license/Voters card/Passport Copy/ of the applying person
  • Bank Statement: Last six months bank statement having all the documents of the applicant

Car Loan Gopalganj Eligibility Criteria

The car loan eligibility criteria requirements are as followed:

For salaried:

  • Minimum age: 21 years old should be the age.
  • Maximum age at loan maturity: 65 years old should be the age.
  • Minimum employment -Should have 1 year in current employment and a minimum of 2 years of employment is required.
  • Minimum Annual Income required:  Rs 100000 net annual income

For self-employed:

  • Minimum age: 21 years old should be the age.
  • Maximum age at loan maturity: 65 years old should be the age.
  • Minimum employment – at least 3 years in the business field
  • Minimum Annual Income required: Net profit Rs. 60000 p.a for standard cars and Rs.100000 per annum for mid-sized and premium cars is required.

Car Loan for Major Car Manufacturers in Gopalganj

TABLE WILL APPEAR Apply for a Car Loan

Processing Fees & Prepayment Charges on Car Loan Gopalganj

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 Gopalganj

CIBIL score is very important for a car loan and you should maintain a CIBIL score of 750 and higher to get a car loan easily and also it helps to get a lower car loan interest rates on the loans too. You can maintain your CIBIL score by paying your EMIs and dues and debt ina timely manner and never default on the payment.

Car Loan Gopalganj Contact Number

You can get a car loan Gopalganj easily from Dialabank by contacting the number 9878981166.

Pre Calculated EMI Table for Car Loan Gopalganj

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 Gopalganj

Gopalganj is a town, municipality and headquarters of Gopalganj district in the Indian state of Bihar.

car loan

FAQs about Car Loan Gopalganj

✅ Can I get a loan to purchase a used car in Gopalganj?

Yes, you have to use your credit history and previous arrangement with the prospective bank or any other lender in Gopalganj to negotiate the interest rate on your car loan. Regularly paying your past loans/credit cards EMI with your prospective bank or any other lender will help you get a car loan with a lower interest rate.

✅ What is the typical tenure of a car loan in Gopalganj?

A car loan can last anywhere between one to five years. The higher the EMI, the shorter your loan term, and the opposite is valid for longer car loan terms. Currently, only limited lenders are offering car loans on terms of up to seven years in Gopalganj.

✅ Do I need a loan guarantor or co-borrower in Gopalganj?

If you are unable to meet the lending institution’s eligibility standard, such as monthly salary, age, or credit score, a loan guarantor or co-borrower is required. You can even apply for a car loan of your own.

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