About Car Loan Uttar Dinajpur
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Details for Car Loan Uttar Dinajpur
Hypothecation of the car
1 Yr to 5 Years
Upto 90% of Car Value
0 % to 4 % of the outstanding loan amount
Documentation for Car Loan Uttar Dinajpur
1. Income proof: Need to submit your salary slips for the last three months and the statements of your bank account for the last six months. For self-employed people, the requirement is to submit the audited bank account statements for the last six months.
2. Employment Proof: Need to submit a copy of the appointment letter and a certificate of employment issued by your company. For self-employed individuals, the partnership deed or business establishment documents need to be submitted.
3. Tax Proof: Need to submit the IT return or Form 16 documents for the last two years.
4. Address Proof: Any government sanctioned KYC document can be submitted as proof of residence.
5. Age Proof: Any government sanctioned KYC document can be submitted as proof of age.
1. Credit history: The interest rate depends on the credit history you have built in past years, the high cibil score will not only help you in getting a loan but will also empower you with strong bargaining power.
2. Income level: Higher the income better are the chances for the approval of a higher loan amount.
3. The amount of down payment: Higher the down payment made lesser will be the amount that the bank will have to lend you. As a result, the bank’s risk will go down. Also, it shows that your financial position is sound. You may get a loan at a lower interest rate from the bank.
4. Tenure of the loan: Car loan is generally available for the tenure of up to 7 years. It is generally seen that banks charge a higher interest rate for a loan of the shorter time period and vice versa. Longer tenors will enhance repayment capacity.
5. Car model and age: It is necessary for the bank to consider the car model in deciding the interest rate as on sale every model may not fetch the expected price. New cars are more easily financed than used cars; a high-end model will be expensive which means the borrower has to be able to pay the required down payment.
Uttar Dinajpur is a district of the Indian state of West Bengal. The district comprises two subdivisions: Raiganj and Islampur. Uttar Dinajpur district has a population of 3,000,849. Dalkhola is the largest railway station and largest rack point in District.
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