Car Loan Kalayat

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Car Loan Kalayat

Best Banks for Car Loan in Kalayat

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 Kalayat Features

 

Purchasing a car from your pocket is challenging. Thus, Car Financing is the best way to get cash in a short time. Moreover, it is a better way to arrange funds to buy the dream car with ease.

We offer car loans starting at an attractive rate of interest to both self-employed and salaried applicants. In addition, we provide car loans on new and used cars.

Some key features of car loans in Kalayat are the following:

  • Easy monthly repayment options are avaliable.
  • Instant car loan available
  • Loan Tenure duration ranges from 1-7 years
  • There is a provision of an affordable rate of interest provides to fulfil your desires.
  • There are no hidden or additional charges.

Car Loan Kalayat

Car Loan Kalayat 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 Kalayat Documents Required

A person should review the documents required for car loan before making a decision.

For Salaried Individuals:

  1. Proof of Self: Passport, PAN Card, Voters ID card, Driving License
  2. Salary Proof: Latest 3-month salary slip with form 16
  3. Accommodation 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. Self Proof: Passport copy, PAN Card, Voters ID card, Driving License
  2. Earning Proof: Latest ITR
  3. House 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 Kalayat Eligibility Criteria

To obtain a loan, a person must meet the Eligibility criteria for car loan.

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: Profit of Rs. 60000 per annum for standard cars, for mid-sized and premium cars Rs.100000 per annum

Car Loan for Major Car Manufacturers in Kalayat

TABLE WILL APPEAR

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Processing Fees / Prepayment Charges on Car Loan in Kalayat

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 Kalayat

CIBIL score reflects your credit history and your defaults in repayment of your previous loans. A good credit score is taken as 750 and above as most financial institutions ask for a high credit score. Every bank and NBFC has different criteria for CIBIL score they require to process your Car Loan Kalayat. A Lower CIBIL score than 750 can afford a higher rate of interest.

A shallow CIBIL score can lead to disapproval of your loan as it is the first thing a bank tracks before processing your loan. Your history of previous loans is taken into consideration for a car loan. If there are any delayed payments for previous loans, it will create a barrier to availing of a new loan.

Car Loan Kalayat Agent Contact Number

Apply online with Dialabank and avail the best deals and offers on a car loan with instant approval and extra features or you can call this number for any queries regarding a car loan in Kalayat 9878981166.

Our customer care executive offers you guidance and assistance to solve your queries.

Pre Calculated EMI Table for Car Loan Kalayat

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 Kalayat

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About Kalayat

Kalayat is a beautiful city and municipal committee in the Kaithal district of Haryana state, India. It is a historical town known as Kapilayat and Kapilayatana named after the Vedic sage Kapil Muni.

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