Used Car Loan Saharsa

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Best Banks for Used Car Loan Saharsa

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

Used Car Loan Saharsa Features

used car loan saharsa

To own a used car nowadays is getting major interest from the customers. Due to lesser investment and great facilities, a large number of the crowd wants to use their capital for the ownership of a pre-used car. Different banks and other loan providing agencies provide a different sum of advances for the pre-used car.

Features:

The easiest ways to enrol for used car loans have the following great features to rely on:

The interest rates given by banks are low for used car loans in Saharsa.
All the grand and major banks and NBFCs offer car loans in Saharsa.
The documentation process is speedy.
Used Car loans are easily available through DialaBank.

Used Car Loan Saharsa Interest Rate

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	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 Saharsa Documents Required

documents required for a car loan are mention here:

For Salaried:-

Identity Proof: PAN Card, Voters ID card, Passport copy, Driving License
Income Proof: Latest 3-month salary slip with form 16
Address Proof: Driving license / Voters card / Passport Copy /PAN Card
Bank Statement: Previous 6 months.

For Self Employed:-

Identity Proof: PAN Card, Voters ID card, Passport copy, Driving License
Income Proof: Latest ITR
Address Proof: Voters card / Passport Copy / Driving license / PAN Card
Bank Statement: Last 6 months.

Used Car Loan Saharsa Eligibility Criteria

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

For Salaried:-

Minimum age: 21 years
Maximum age at loan maturity: 60 years
Minimum employment: a minimum of 2 years of employment and 1 year in current employment
Minimum Annual Income: Rs 2.5 lakhs as the annual income

For Self-Employed:-

Minimum age: 25 years
Maximum age at loan maturity: 65 years
Minimum employment: at smallest 3 years in sales
Minimum Annual Income: Rs 2.5 lakhs as the annual income

How to Apply for Used Car Loan Saharsa?

Availing a car loan Saharsa is an easy process with DialaBank. Follow the following steps to avail the best offers:

Visit our website Dialabank
Click on the car loan option available in the menu
Fill in the details regarding the car type and your income
Wait as our relationship manager will soon get in touch with you on your provided number.
You may also contact our relationship managers on the number 9878981166 in case of any queries regarding the loan.
For availing a car loan offline you will have to visit the branch personally, which might turn to be hectic for you.

Used Car Loan for Major Car Manufacturers in Saharsa

TABLE WILL APPEAR

Processing Fees / Prepayment Charges on Used Car Loan Saharsa

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 Used Car Loan in Saharsa

The CIBIL code defines the credit score history for the applicant. This makes it easier for fir banks to trust the applicant with their advanced money. The better you manage your credit score, the better is the chance to get the loan approved. A CIBIL score of 750 and above it counts as a pretty well-suited credit score for the loan approval from almost any bank.

A good CIBIL score provides an opportunity to negotiate and reduce the car loan interest rate to a certain extent.

Used Car Loan Saharsa Contact Number

In case of any queries regarding the car loan in Saharsa, you may contact the number 9878981166 for any sort of assistance.

Pre Calculated EMI Table for Car Loan Saharsa

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 Saharsa

Saharsa was made on the first of April 1954. Prior Saharsa area was inside Bhagalpur Division. Kosi Division was shaped on second October 1972 involving Saharsa, Purnia, and Katihar area with its head quarters at Saharsa. Likewise, another Civil Sub-Division Birpur was made on 01.12.1972. Comprising of 24 improvement Blocks viz. Raghopur, Chhatapur, Basantpur, and Nirmali were already under supaul development of this locale. Two new areas Madhepura and Supaul have been framed from Saharsa locale on 30.04.1981 and 1991. Saharsa area currently comprises of 2 regions, viz. Saharsa Sadar and Simri Bakhtiarpur. The area comprises of 10 improvement blocks and anchals each.