Car Loan Lakhisarai

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Best Banks for Car Loan in Lakhisarai

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 Lakhisarai Features

car loan LakhisaraiDon’t wait to buy a new car! select the car and then apply for a car loan in Dialabank.com you can easily get the car loan with a low rate of interest. for buying the car is a heavy decision in every family. mainly in the middle-class family, its is the biggest event to them. so Don’t miss the chance of buying the car. if you were financially weak, Dialabank will help you in getting the loan.

Car Loan Lakhisarai 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
1%
Nil
Andhra Bank Car Loan
Nil
Nil

 

To check Personal Loan Interest Rate for all major banks you can visit: Car Loan Interest Rates

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Car Loan Lakhisarai Documents Required

For salaried:

  • 2 passport size photocopies are necessary.
  • Proofs like PAN Card, Voters ID card, Driving License are required.
  •  Latest 3-month salary slip with form 16.
  • Ration card / Passport Copy / Telephone Bill / Electricity Bill / Life Insurance Policy is required to apply for the loan.
  •  The last 6 months’ bank statement is needed.

For self-employed:

  • 2 passport size photocopies are necessary.
  • Proofs like PAN Card, Voters ID card, Driving License are required.
  • The latest Income tax returns required.
  • Ration card / Passport Copy / Telephone Bill / Electricity Bill / Life Insurance Policy is required to apply for the loan.
  •  The last 6 months’ bank statement is needed.

Car Loan Lakhisarai Eligibility Criteria

For salaried:

  • Firstly, the borrower must be an Indian citizen.
  • Secondly, the minimum applicant age  21 yrs as well as older than 60 yrs at loan maturity to the avail car loan.
  • Thirdly, He/she must have a good annual income that properly demonstrates his/her capacity for loan repayment the amount he borrows.
  • Besides that,  the applicant must have secure employment working the current job status of one year as well as regular income in the account.
  • More importantly, he must possess a mobile number that marks his address and the occupation of that address for an expected duration of time.
  • After that, the monthly income of the applicant should be Rs. 18k minimum.
  • After that, the borrower should be from two years in employment as well as from 1 year in the same company.
  • Finally, CIBIL scores of the borrower should be more than 750.

For self-employed:

  • Firstly, the borrower must be an Indian citizen.
  • Secondly, the minimum applicant age  21 yrs as well as older than 60 yrs at loan maturity to the avail car loan.
  • More importantly, he must possess a mobile number that marks his address and the occupation of that address for an expected duration of time.
  • Besides that, the borrower should have some source of income.
  • Moreover, the borrower should be in the business for two years.
  • Finally, CIBIL scores of the borrower should be more than 750.

Car Loan for Major Car Manufacturers in Lakhisarai

TABLE WILL APPEAR

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Processing Fees & Prepayment Charges on Car Loan Lakhisarai

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 Lakhisarai

CIBIL score plays a key role while getting the loan. If your CIBIL score is between 750-900. then you will get the quick loan approvals. If the CIBIL score is less than 700 then your application will be pending. Make sure you check your CIBIL score before you apply for the loan. If you pay your EMIs in time then your CIBIL score will be increased. If you do not repay Your EMI your CIBIL score will be reduced. The applicant has to pay monthly EMIs according to there schedule of the bank.

Car Loan Lakhisarai Contact Number

For instant help and any more queries, you can call 9878981166.

Pre Calculated EMI Table for Car Loan Lakhisarai

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

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