Car Loan Naihati

Car Loan Naihati

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Best Banks for Car Loan in Naihati

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 Naihati Features

car loan naihati Many banking institutions and Non-banking Financial Institutions provide car loans at cheaper interest rates and these institutions are made available to you by dialabank, so if you want to make the most of the loan then quickly apply for a loan from dialabank. A car is a luxury and you do not want to pay a high rate of interest for these cars, so to get a rate of interest that is lower you should maintain a good CIBIL score too

Car Loan Naihati 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 Naihati Documents Required

Documents required for car loan are as followed:

For Salaried Individuals

Identity Proof: Passport copy, PAN Card, Voters ID card, Driving License
Income Proof: – Latest 3-month salary slip with form 16
Residence Proof: Any one of the following (Ration card / Driving license / Voters card / Passport Copy / Telephone Bill / Electricity Bill)
Bank Statement: Last 6 months.

For Self Employed

Identity Proof: Passport copy, PAN Card, Voters ID card, Driving License
Income Proof: – Latest ITR reports.
Residence Proof: Any one of the following (Ration card / Driving license / Voters card / Passport Copy / Telephone Bill / Electricity Bill)
Bank Statement: Last 6 months.

Car Loan Naihati Eligibility Criteria

It is important to fulfill the following car loan eligibility as follows:

For Salaried Applicants

Minimum age: 21 years
Maximum age at loan maturity: 65 years
Minimum employment Required: Minimum of 1 year in current employment and at least 2 years of total employment
Annual Income: A minimum of Rs 100000 per annum.

For Self Employed Applicants

Minimum age: 21 years
Maximum age at loan maturity: 65 years
Minimum employment: a minimum of 3 years in business is required.
Minimum Annual Income: at least Rs. 60000 p.a net profit for standard cars and approx. Rs.100000 p.a. for mid-sized and premium car loan

Car Loan for Major Car Manufacturers in Naihati

TABLE WILL APPEAR

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Processing Fees & Prepayment Charges on Car Loan in Naihati

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 Naihati

CIBIL score is very important for a car loan and you should maintain a CIBIL score of 750 and higher to get a car loan easily and also it helps to get a lower rate of interest on the loans too. You can maintain your CIBIL score by paying your EMIs and dues and debt ina timely manner and never default on the payment.

Car Loan Naihati Contact Number

You can get a car loan Naihati easily from dialabank by contacting the number 9878981166.

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Pre Calculated EMI Table for Car Loan Naihati

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

Car loan EMI can be calculated by Car loan EMI Calculator provided by Dialabank. It is free to use and you can use it an infinite number of times. Equated Monthly Installments(EMI) is the monthly fixed charges that you pay to the bank as monthly repayment for the loan amount borrowed. Based on the profile, the interest rate on the loan is determined. EMI is calculated based on the Interest Rate you are charged by the bank and the amount of loan you have to take and the period for which you enjoy the car loan.