Used Car Loan Golaghat

I have read the Privacy Policy & Agree to Terms & Conditions and authorize Dialabank & its partner institutions to Call or SMS me with reference to my application.

Buy your dream Car

Rates as low as 7.35%*
Up to 100% Funding
Doorstep Service
Hassle-free Disbursal
Unbiased Experts Advice

Used Car Loan Golaghat

Best Banks for Used Car Loan in Golaghat

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

Used Car Loan Golaghat FeaturesUsed Car Loan Golaghat

Used Car Loan Golaghat has various features as stated below by Dialabank:

  • One can acquire a loan up to Rs 2.5 crore on the vehicle’s assessed value with approximately 85% of the value of the car as a loan amount for 5 years without income proof-verification and 100% of the value of the car to the value of 3-6 times your annual pay.
  • Flexible repayment tenures starting from 12 months to ease the burden and get personalized help and advisory by our highly trained experts to choose a car with convenient plans for the easily payable instalments.
  • Enjoy doorstep service and easy documentation for our customers wherein Car at loan maturity age shall not exceed 10 years, with a maximum loan tenure of 60 months.
  • The persons are having CIBIL 0, 1, -1 is also considered for the loan.
  • The CIBIL score of the applicant needs to be more than 700.

*Terms and Conditions Apply

Used Car Loan Golaghat Interest Rates

Details on car loan interest rate and other charges are given below:

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

Used Car Loan Golaghat Documents Required

Documents required for car loan and other eligibility are discussed below.

For Salaried Individuals:

For Identity and Address Proof:

  • A letter declared by the National Population Register stating name & address
  • Passport copy
  • Driving license
  • Job card provided to you by NREGA
  • Voters Identity Card

For Income Proof:

  • Latest Salary Slip
  • Bank Statements for the last six months
  • Latest Form no. 16/ Latest Income Tax Return

For Signature Verification Proof:

  • Driving License
  • Credit Card Statement Copy
  • Verification of the banker
  • Copy of Margin cash paid to the Bank
  • Passport Copy

For Self Employed**:

Income verification proof: Latest Income Tax Return records and audited balance sheet along with profit and loss account details.

Age and Identity verification proof: Certificate of Incorporation/ Memorandum and Articles of Association.

For Sign Verification Proof:

  • Credit Card Statement and its Copy
  • Copy of marginal cash paid to the Bank.
  • Passport Copy
  • Verification of the banker
  • Driving License

For Address Proof:

  • Telephone Bill
  • Electricity Bill
  • Memorandum and Articles of Association
  • Certification of Incorporation

**The organisations which are also applicable for a Used Car Loan Golaghat are:

  • Sole Proprietorship
  • Partnership Firms
  • Private Limited Companies
  • Public Limited Companies

Used Car Loan Golaghat Eligibility Criteria

Eligibility criteria for car loan are discussed in the below contents.

The people who can be eligible to apply for a Pre-Owned Car Loan in Golaghat city are mentioned below:

Salaried Individual:

  • Minimum Work Experience: A minimum of 2 years and a minimum of 1 year with the current employer as total work experience.
  • Minimum capacity to earn: A minimum of Rs. 2.5 lakhs per annum, including the income of the spouse, are the ones eligible to apply
  • Age Limit: The age of 21 years when applying for the loan, and a maximum of 60 years of age at the end of the loan maturity period.
  • Professionals including doctors, CAs, private and public limited company employees are eligible to apply for this type of loan.

Self Employed***:

  • People who own a private company in the business of manufacturing, trading, or service undertakings.
  • Rs. 2.5 lakhs per annum should be a minimum remuneration.
  • People who provided have an office landline number.

***The businesses which are also eligible for a Used Car Loan Golaghat are as mentioned below:

  • Sole Proprietorship
  • Partnership Firms
  • Public Limited Companies
  • Private Limited Companies

Used Car Loan for Major Car Manufacturers in Golaghat

TABLE WILL APPEAR

Processing Fees / Prepayment Charges on Used Car Loan Golaghat

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

Pre Calculated EMI Table for Used Car Loan Golaghat

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

Used Car Loan EMI Calculator Golaghat

About Golaghat

Golaghat is a twin city to Jorhat, located in the state of Assam, India.

Used Car Loans in Other Cities

Used Car Loan Patna Used Car Loan Sheikhpura
Used Car Loan Darbhanga Used Car Loan Maharajganj
Used Car Loan Samastipur Used Car Loan Khagaria
Used Car Loan Gaya Used Car Loan Sasaram