Car Loan Hooghly

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Car Loan Hooghly

Best Banks for Car Loan in Hooghly

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 Hooghly Features


Car Loan Hooghly

Want to take a car? But lacking in funds? Don’t worry. We have a solution. We Dialabank helps people to compare, analyze, and choose the best loan possible.

A car loan is a financial help provided by banks and NBFC’s to fulfill your dream of having your own car. They offer necessary funding for purchasing a car which can be on Ex-Showroom Price or On-Road Price of the car. A car loan is a secured loan with easy loan repayment options. The loan amount is provided on Interest charges which vary from bank to bank. One can pay for the vehicle in easy installments.

Some key features of car loan in Hooghly are the following:

  • Easy monthly repayment options are accessible for you.
  • You can avail of an instant car loan.
  • Loan Tenure period varies from 1-7 years
  • There is a provision of reasonable interest rates offers to fulfill your desires.
  • There are no hidden or supplementary charges for car loan applications and assistance.

Car Loan Hooghly 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
1%
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 Hooghly Documents Required

Documents required for car loan are as followed:

For Salaried Individuals:

  1. Proof of Identification: Passport copy, PAN Card, Voters ID card, Driving License
  2. Income Proof: Latest 3-month salary slip with form 16
  3. Residence Proof: Ration card / Driving license / Voters card / Passport Copy / Telephone Bill / Electricity Bill / Life Insurance Policy /PAN Card
  4. Bank Statement: Last 6 months.

For Self Employed Individuals:

  1. Identification Proof: Passport copy, PAN Card, Voters ID card, Driving License
  2. Income Proof: Latest ITR
  3. Address Proof(anyone): Ration card/ Driving license / Voters card / Passport Copy / Telephone Bill / Electricity Bill / Life Insurance Policy /PAN Card
  4. Bank Statement: Last 6 months.

Car Loan Hooghly Eligibility Criteria

The car loan eligibility requirements are as followed:

For Salaried Applicants

  1. Minimum age: 21 years
  2. Maximum age at loan maturity: 65 years
  3. Minimum employment: 1 year in current employment and a minimum of 2 years of employment
  4. Minimum Annual Income: Rs.100000 net annual income

For Self-Employed Applicants

  1. Minimum age: 21 years
  2. Maximum age at loan maturity: 65 years
  3. Minimum employment: At least 3 years in business
  4. Minimum Annual Income: Net profit Rs. 60000 per annum for standard cars and Rs.100000 per annum for mid-sized and premium cars

Car Loan for Major Car Manufacturers in Hooghly

TABLE WILL APPEAR

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Processing Fees / Prepayment Charges on Car Loan in Hooghly

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 Hooghly

Every financial institution has its criteria for the CIBIL score required for processing the Car Loan application in Hooghly so that they can minimize the risk of lending to the customer. Most institutions require a minimum score of CIBIL of 750 or above for the processing of your car loan application in Hooghly. Also having a good CIBIL score helps to loans at a cheaper rate of interest.

The institutions don’t just look at the overall score but also the detailed behavior on the previous loans you have taken. This includes details on the type of loan taken and the loan amount borrowed. Any delayed payments for previous loans can act as an obstacle to your availing a fresh loan.

Car Loan Hooghly Agent Contact Number

You can get a car loan Hooghly easily from Dialabank by dialing this number 9878981166.

Pre Calculated EMI Table for Car Loan Hooghly

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 Hooghly

Online Car Loan EMI Calculator

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About Hooghly

Hooghly district is one of the districts of the state of West Bengal in India. It can alternatively be spelled Hoogli or Hugli. The district is named after the Hooghly River. The headquarters of the district are at Hooghly-Chinsura (Chuchura). There are four subdivisions: Chinsura Sadar, Serampore, Chandannagar, and Arambag.

According to the 2011 census Hooghly district has a population of 5,519,145.

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