Car Loan Ismailabad

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Car Loan Ismailabad

Best Banks for Car Loan in Ismailabad

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 Ismailabad Features

Car Loan Ismailabad

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Nowadays everyone desires to own a car to make life easier. But not everyone has the needed financial condition. Are you coping with this problem? Don’t worry. We Dialabank provides financial services that help customers to compare, analyze, and choose the best loans possible.

Availing of a car loan is not as difficult as it was a decade ago, nowadays having a car is normal, and this process is made simple by Dialabank by bringing you the best car loan offers online at a single platform for you to compare, analyze and apply for a car loan online without having to worry about them more. You can get a Car Loan Ismailabad at the earliest and with a very satisfying service that you will not forget.

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

  • Easy monthly options for repayments are available for you.
  • Instantly car loan available
  • The loan tenure period is up to 7 years
  • There is a provision of affordable interest rates provides to fulfill your desires.
  • There are no hidden or additional charges

Car Loan Ismailabad 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 Ismailabad Documents Required

Documents required for car loan are as followed:

For Salaried Individuals:

  1. Evidence of Identification: Passport copy, PAN Card, Voters ID card, Driving License
  2. Earning Proof: Latest 3-month salary slip with form 16
  3. Residential 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. Proof of recognition: Passport copy, PAN Card, Voters ID card, Driving License
  2. Salary Proof: Latest ITR
  3. For 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 Ismailabad 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 recent 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 of Rs. 60000 per annum for standard cars and Rs.1 Lakh per annum for mid-sized and premium cars

Car Loan for Major Car Manufacturers in Ismailabad

TABLE WILL APPEAR

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Processing Fees / Prepayment Charges on Car Loan in Ismailabad

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 Ismailabad

CIBIL score reflects your credit history in the past and as your defaults in repayment of your previous loans. A good credit score is taken into consideration as 750 and above as most of the financial institutions ask for a high credit score. Every bank and NBFC has criteria for a minimum CIBIL score they require to process your Car Loan Ismailabad. A Lower CIBIL score than 750 can attract a higher car loan interest rate.

A low CIBIL score can lead to rejection of your loan as it is the first thing a bank tracks before processing your loan. Your record of previous loans is taken into consideration for a car loan. If there are any delay payments for previous loans, it will create a hurdle for availing of a fresh loan.

Car Loan Ismailabad Agent Contact Number

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

Pre Calculated EMI Table for Car Loan Ismailabad

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 Ismailabad

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About Ismailabad

Ismailabad is a village panchayat located Pehowa Tehsil in the Kurukshetra district of Haryana state, India. Pehowa is the nearby town to Ismailabad village.

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