Car Loan Kalayat

Car Loan Kalayat

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Best Banks for Car Loan in Kalayat

Feature	HDFC Bank	Private 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 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
Private 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:

Proof of Self: Passport, PAN Card, Voters ID card, Driving License
Salary Proof: Latest 3-month salary slip with form 16
Accommodation Proof: Ration card / Driving license / Voters card / Passport Copy / Telephone Bill / Electricity Bill / Life Insurance Policy /PAN Card
Bank Statement: Last 6 months.

For Self Employed Individuals:

Self Proof: Passport copy, PAN Card, Voters ID card, Driving License
Earning Proof: Latest ITR
House Proof(anyone): Ration card/ Driving license / Voters card / Passport Copy / Telephone Bill / Electricity Bill / Life Insurance Policy /PAN Card
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

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

For Self-Employed Applicants

Minimum age: 21 years
Maximum age at loan maturity: 65 years
Minimum employment: At least 3 years in business
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
Prepayment Charges	>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.