Used Car Loan Lalitpur

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Used Car Loan Lalitpur

Best Banks for Used Car Loan in Lalitpur

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 LoanUsed Car Loan Lalitpur Features

A Used Car Loan Lalitpur can serve to fulfil the needs of people planning to buy a Used Car.

Features of Used Car Loan Lalitpur are many. Some of them are as follows:

  • One can avail of a loan of u`p to Rs.2.5 crore on the value of the car.
  • Availability of 85% value of the vehicle as a loan amount for five years without any income proof obligation.
  • Relish the doorstep service offered by us and easy documentation to relieve the process for you.
  • A good CIBIL score is an unsaid requirement as it provides an insight to the provider about your financial behaviour.
  • A good CIBIL score provides an opportunity to negotiate and reduce the car loan interest rate to a certain extent

*Terms and Conditions Apply

Dialabank is there for you with the best offers for buying a pre-owned car with a loan in Lalitpur!

Used Car Loan Lalitpur 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
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 Lalitpur Documents Required

documents required for a car loan are mentioned here-under:

For Salaried Individuals:

For Identity and Address Proof:

  • Passport
  • Driving license
  • Job card given to you by NREGA
  • Letter issued by the National Population Register specifying your name & address
  • Voters ID Card

For Income Proof:

  • Latest Salary Slip
  • Bank Statements for the last 6 months
  • Latest Form 16/ Latest Income Tax Return

For Signature Verification Proof:

  • Photo Driving License
  • Credit Card Statement and its Copy
  • Banker’s Verification
  • Copy of Margin Money Paid to Bank
  • Passport Copy

For Self Employed**:

Proof of Income: Latest ITR and audited balance sheet with profit & loss account details.

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

For Sign Verification Proof:

  • Credit Card Statement and its Copy
  • Copy of Margin cash Paid to Bank.
  • Passport Copy
  • Banker’s Verification
  • Photo Driving License

For Address Proof:

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

**The companies eligible for a Used Car Loan Lalitpur can be any of them:

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

Used Car Loan Lalitpur Eligibility Criteria

eligibility criteria for a car loan are the completion of the following conditions:

Salaried Individual:

  • Age Limit: People having a minimum age of 21 years when applying for the loan, and a maximum age of 60 years at the end of the loan maturity stage.
  • Minimum Earning Capacity: The people earning a minimum of Rs. 2,50,000 on yearly basis, including the income of the spouse, can apply for a used car loan.
  • Minimum Job Experience: Individuals with a minimum of 2 years as total job experience and a minimum of 1 year with the current employer, can apply for a used car loan.
  • Professional practitioners: Private and public limited company employees including central, state and local governing bodies, Doctors and CAs, can apply for a used car loan.

Self Employed***:

  • Rs. 2,50,000 per year should be a minimum remuneration received by you.
  • People who have provided us with an office landline number.
  • People who own a private company in the business of manufacturing, trading, or service undertakings.

***The companies eligible for a Used Car Loan Lalitpur can be:

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

Used Car Loan for Major Car Manufacturers in Lalitpur

TABLE WILL APPEAR

Processing Fees / Prepayment Charges on Used Car Loan Lalitpur

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 Lalitpur

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 Lalitpur

Car Loan EMI Calculator Online.

About Lalitpur

Lalitpur is a historical town located in the Uttar Pradesh state of India, having a significant number of historical and cultural places like Devgarh, Seeronji, etc.

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