Car Loan Khurja

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Car Loan Khurja

Best Banks for Car Loan in Khurja

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 Khurja FeaturesCar Loan Khurja

Considering to buy a car? Do not have enough funds for it? If yes, then availing a Car Loan can be the best choice. It is a banking scheme that includes cars of any brand and model. Also, it gives the flexibility to pay for the car in parts rather than paying it at once.

Characteristics of car loan Khurja are:

  • Easy monthly repayment benefits.
  • Instantly accessible.
  • Loan Tenure period varies from 5-7 years.
  • Affordable Interest Rates.
  • Easily and quickly available loans.
  • No hidden charges.

Car Loan Khurja Interest Rate

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 Khurja Documents Required

Documents required for car loan are as followed:

For Salaried Employee

  1. Identity Proof in the form of Passport copy, PAN Card,  Driving License, Voters ID card, or any other documentation
  2. Income Proof: Most advanced 3-month salary slip including form 16
  3. Address Proof: Driving license / Telephone Bill / Electricity Bill / Ration ticket / Voters pass / Passport Proof/ Life Insurance Policy /PAN Card
  4. Bank Statements for the last 6 months.

For Self Employed

  1. Identity Proof in the form of Passport copy, PAN Card,  Driving License, Voters ID card, or any other slip
  2. Income Proof: they need to submit the Latest ITR
  3. Address Proof: Telephone Bill / Ration card / Driving license / Electricity Bill / Voters card / Passport Copy/ Life Insurance Policy /PAN Card
  4. Bank Statements for the last 6 months.
  5. ITR must be filed for the last two years for self-employed forms.

Car Loan Khurja Eligibility Criteria

The car loan eligibility requirements are as followed:

For Salaried Employee

  1. Minimum age: 21 aged for salaried and 30 years for self-employed
  2. Maximum age at loan maturity: 60 aged for salaried and 65 for self-employed
  3. Minimum Annual Income: Rs 100000 net annual revenue is required.
  4. Minimum employment: 1 year in modern employment and a minimum of 2 years of profession

For Self Employed

  1. Minimum age: 21 ages for salaried and 30 years for self-employed
  2. Maximum age at loan maturity: 60 ages for salaried and 65 for self-employed
  3. Minimum Annual Income: Net profit Rs. 60000 p.a for conventional cars and Rs.100000 p.a. for mid-sized and excellent cars are essential.
  4. Minimum employment: they need to have at least 3 years in the industry

Car Loan for Major Car Manufacturers in Khurja

TABLE WILL APPEAR

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Processing Fees & Prepayment Charges on Car Loan Khurja

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 Khurja

CIBIL score is a description of your prior creditworthiness. The CIBIL score needed for car loans may vary from bank to bank. A CIBIL score of 750 and above is accepted by most banks to process your car loan request. You might be required to pay a high amount of interest rate on the loan amount in case of a low CIBIL score. Along with CIBIL Score, the records of previous loans are also verified. Any delays in the previous loan procedure can act as a barrier to prevailing new car loans in Khurja. Please make sure to crosscheck these before applying for a car loan in Khurja.

Car Loan Khurja Contact Number

For any queries regarding the car loan in Khurja, you may reach the number 9878981166. We are always there to help you out in decreasing the car loan process so for further assistance, you can hit us at Dialabank.

Pre Calculated EMI Table for Car Loan Khurja

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

You can calculate your EMI here: Car Loan EMI Calculator

Car Loan EMI Calculator

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About Khurja

Khurja is a city and a municipal board in the Bulandshahr district in the Indian state of Uttar Pradesh. It is located about 85 km from Delhi. Khurja provides a large part of the ceramics used in the country, hence it is seldom called “The Ceramics City”. The city is also renowned for its unique sweet, known as “khurchan”. As per temporary data of the 2011 census, Khurja urban agglomeration had a community of 142,636.

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