Car Loan Hajipur

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Best Banks for Car Loan in Hajipur

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 Hajipur Features

Car Loan HajipurA car loan is a financial help provided by banks and NBFC’s to fulfill your dream of having your own personal car. They provide the required funding for purchasing a car which can be on Ex-Showroom Price or On-Road Price of the car. Car Loan is a secured loan with easy monthly installment options. The car loan amount is offered on Interest charges which vary among bank to bank. One can pay for the car in easy installments.

Car Loan Hajipur 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 Hajipur Documents Required

The need for basic documents required must be fulfilled as per the following :

  1. Income ProofFor Salaried– 3-month salary slip with form 16 / For Self Employed- Latest ITR
  2. Address Proof:Voters card / Passport Copy / Telephone Bill / Electricity Bill /PAN Card / Driving license/ Life Insurance Policy /
  3. Identity Proof: Passport copy, Voters ID card, PAN Card, Driving License
  4. Bank Statement: recent 6 months.

Car Loan Hajipur Eligibility Criteria

  1. Minimum employment: For Salaried individuals- 1 year in current employment and a minimum of 2 years of employment / For Self Employed individuals– at least 3 years in  working business
  2. Maximum age at loan maturity: 65 years
  3. Minimum age: 21 years
  4. Minimum Annual Income: For Salaried person Rs 100000 net annual income / For Self- Employed persons Net profit nearly about Rs. 60K p.a for standard cars and Rs.100000 p.a. for mid-sized and premium and Sedan cars

How to Apply for Car Loan in Hajipur?

Apply online with Dialabank in leading banks which provides the best offers on Car Loan with additional benefits. Before applying to check your credibility by CIBIL score and valid documents and eligibility criteria;

Follow these steps to apply online;

  • Visit Dialabank.com
  • Click on Car Loan Tab
  • Check the documents needed and eligibility criteria
  • Fill the details in the column provided
  • Click on Submit to “Get best offers”

The best offers suitable as per your loan amount required will be provided to you shortly.

You can also apply offline but it may not be convenient for you to visit the different banks and compare the car loan offers.

Processing Fees & Prepayment Charges on Car Loan Hajipur

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 Hajipur

CIBIL score plays an important role in deciding the approval of a car loan. The CIBIL score provides a clear picture of credit history and any pending dues standing against the applicant. The credit history is necessary to disburse the car loan amount after checking the eligible CIBIL score. Normally, CIBIL scores 750 or above considered as good by many leading banks. the CIBIL must be good, otherwise, improve it for applying for a loan. You can improve the CIBIL score by clearing all the outstanding dues.

Normally banks may not approve loan to the persons who are not credible. The creditworthiness of the applicant is prior to the approval of a car loan.

Car Loan Hajipur Contact Number

Apply online with Dialabank and get the best offers on a car loan with instant approval and extra benefits. or You can make a call on this number 9878981166

The customer relationship manager of the best car loan banks will shortly provide you the guidance for availing the best offers. Make sure you are having the required documents for the KYC procedure and valid documents to get the loan.

Pre Calculated EMI Table for Car Loan Hajipur

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 Hajipur

Hajipur is the largest place or city and headquarters of Vaishali district of Tirhut Division in the Indian Bihar state. Hajipur is the 10th leading city and also the 17th most densely populous city of Bihar, making it the second-fastest developing city, next to Patna.

Car Loan EMI Calculator

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