Car Loan Harda

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Car Loan Harda

Best Banks for Car Loan in Harda

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 Harda Features

car loan harda

Who doesn’t want to have his car? In today’s fast-moving world, a car has become a necessity. But not everyone can afford the hefty price for these cars.

Now you can afford a vehicle buy taking a car loan. A Car Loan is a secured loan with easy repayment options available through various banks.

The total car loan amount offered can be up to 85% of the car depending on the Ex-showroom or On-road price of the vehicle. The interest rate is different among various banks. The criteria for the car loan depends upon many factors like your income, CIBIL score, etc.

So if you are thinking of purchasing your dream car in Harda, get an instant Car loan with DialaBank at an affordable rate of interest. Visit us at Dialabank.

Car Loan Harda Interest Rates

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 Harda Documents Required

The essential documents required to get a car loan approved in Harda are as follows:

For Salaried Individuals

  1. Identity Proof: Passport copy, PAN Card, Voters ID card, Driving License
  2. Income Proof: – Latest 3-month salary slip with form 16
  3. Residence Proof: Any one of the following (Ration card / Driving license / Voters card / Passport Copy / Telephone Bill / Electricity Bill)
  4. Bank Statement: Last 6 months.

 For Self Employed

  • Identity Proof: Passport copy, PAN Card, Voters ID card, Driving License
  • Income Proof: – Latest ITR reports.
  • Residence Proof: Any one of the following (Ration card / Driving license / Voters card / Passport Copy / Telephone Bill / Electricity Bill)
  • Bank Statement: Last 6 months

Car Loan Harda Eligibility Criteria

The car loan eligibility requirements are as followed in Harda:

Salaried

  1. Firstly, the minimum age of the applicant should be not less than 21 years.
  2. Further, the maximum age should be 65 for loan maturity.
  3. Minimum employment: At least 1 year in current employment and a minimum of 2 years of employment.
  4. Minimum Annual Income: It should be Rs 1,00,000 net annual income.
  5. Also, the contact number is required.

Self Employed

  1. Firstly, the minimum age of the applicant should be 30 years or above
  2. The maximum age should be 60 at loan maturity
  3. In this, minimum employment should be at least 2 years in business
  4. Furthermore, the minimum annual income should be Rs. 60000 p.a for standard cars and Rs.100000 p.a. for mid-sized and premium cars.

Car Loan for Major Car Manufacturers in Harda

TABLE WILL APPEAR Apply for a Car Loan

Processing Fees & Prepayment Charges on Car Loan in Harda

Check here for the processing Fees and Prepayment charges on a car loan.

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

Car Loan Harda Agent Contact Number

To get an easy and instant car loan you can visit DialaBank or call on 9878981166 to get personalized assistance. Our relationship managers are well trained and will assist you in the best ever way possible in order to provide you with a deal most suited for you.

Pre Calculated EMI Table for Car Loan Harda

Although there are different EMIs for car loans depending upon several factors. You can still check here of the standard Pre calculated EMI table for a car loan.

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 Harda EMI Calculator

Car loan EMI can be calculated by the Car loan EMI Calculator provided by Dialabank. It is free to use and you can use it an infinite number of times. Equated Monthly Installments(EMI) is the monthly fixed charges that you pay to the bank as monthly repayment for the loan amount borrowed. Based on the profile, the interest rate on the loan is determined. EMI is calculated based on the Interest Rate you are charged by the bank and the amount of loan you have to take and the period for which you enjoy the car loan.

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About Harda

Harda is a town and a municipality in Harda district in the Indian state of Madhya Pradesh. Harda is the administrative headquarters of Harda. Betul city is 125 km far from main city

car loan

FAQs about Car Loan Harda

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

Yes, you have to use your credit history and previous arrangement with the prospective bank or any other lender in Harda 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 Harda?

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 Harda.

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

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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