Car Loan Poonch

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Rates as low as 8.50%*
Up to 100% Funding
Doorstep Service
Hassle-free Disbursal
Unbiased Experts Advice

Best Banks for Car Loan in Poonch

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 Poonch Features

car loan poonchi“No frequent visits to the Bank. Save your precious time. The Best Car Loan will knock at your door. Avail the Doorstep and Personalized Services of Dialabank.com and enjoy the ride of your dream car”.

Click here for ICICI car loan

Car Loan Poonch Interest Rate

Your loan’s interest rate impacts the amount you’re going to pay for the month to month. Furthermore, a lower interest rate can mean a huge number of rupees in savings. Our rate table can assist you in realizing the best ideal opportunity to purchase a vehicle.

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

Car Loan Poonch  Documents Required

  1.  Passport copy, PAN Card, Voters ID card, Driving License are required.
  2.  For Salaried– Latest 3-month salary slip with form 16 / For Self Employed- Latest Income tax returns required.
  3. Ration card / Passport Copy / Telephone Bill / Electricity Bill / Life Insurance Policy is required to apply for the loan.
  4.  Last 6 months bank statement.

Car Loan Poonch  Eligibility Criteria

  1.  The minimum age of the applicant to apply for the loan is 21 years.
  2. The maximum age of the applicant to apply for the loan maturity is 65 years.
  3. For salaried applicants:1 year in current employment and also a minimum of 2 years of employment must be for the salaried applicant.
  4. For Self-employed: the applicant should have at least 3 years in business. so that the applications will get approval quickly and also the applicant should submit income tax return(ITR) files.
  5. For Salaried the annual income should get more than Rs.3lakhs and also for the standard cars, the applicant should get more than 3 lakhs of income.
  6. For self-employed the net annual income should be more than 4lakhs also for the standard cars, the applicant should have more than 3lakhs of income.

How to Apply for Car Loan in Poonch?

  • Visit Dialabank website.
  • Click on the loan section and select an auto loan followed by a car loan link.
  • Provide all your information, including your phone number.
  • You will receive a phone call from our experts, and they will guide you further.

Click here for AXIS car loan

Processing Fees & Prepayment Charges on Car Loan Poonch

check here for the processing Fees and Prepayment charges on a car loan.

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 Poonch

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. so, check your Cibil score before you apply for the loan. if you pay your EMIs in time then your Cibil score will be increased.

Click here for HDFC car loan

Car Loan Poonch Contact Number

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

Pre Calculated EMI Table for Car Loan Poonch

check here of Pre calculated EMI table for a car loan.

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

About Poonch

Poonch is the main revenue division in Poonch district. this was located in the Indian states of Jammu and Kashmir. this is near the line of control.

Car Loan EMI Calculator

Repaying the loans in EMIs will not affect our monthly budget. as well as paying in time will increases our Cibil score.

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