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Used Car Loan Thodupuzha

Best Banks for Used Car Loan in Thodupuzha

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 Thodupuzha FeaturesUsed Car Loan Thodupuzha

  • Used car loan are obtainable at low-interest rates
  • Possess preferential pricing
  • Practice unmixed hassle-free processing, prompt approvals, and quick disbursals
  • Track your application anytime, anywhere. Receive status updates about your loan demand at every scene
  • Avail like customized and open repayment programs with pocket-friendly EMIs
  • Almost all significant banks and NBFCs offer Used Car Loans in Thodupuzha
  • The documentation means quick and hassle-free
  • Used Car Loans are readily attainable for DialaBank
  • Get 80% of the value of the car as a loan amount for three years without income proof
  • Get 85% of the value of the vehicle as a loan amount for five years without income proof
  • It is important to check and maintain cibil score.

Used Car Loan Thodupuzha Interest Rate

Interest rate for car loan  is mentioned 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 Thodupuzha Documents Required

Following are the documents required for Used Car Loan:

For Salaried:

Identity and residence proof:

  • Valid Passport
  • Voter ID Card
  • Permanent Driving License
  • Job Card
  • Letter issued by the National Population Register

Income proof:

  • Latest Salary Slip
  • Latest Form 16/Latest ITR
  • Bank statement of the last six months

Signature proof:

  • Passport Copy
  • Photo Driving License with DOB
  • Credit card statement with Credit Card Copy
  • Banker’s verification

For Self Employed:

  1. Age proof, the records needed are Memorandum also Articles of Association/Certificate of Incorporation
  2. Identity proof, the records required are Memorandum also Articles of Association/Certificate of Incorporation
  3. Income Proof, there is a condition of the Latest ITR and balance sheet with profit and loss statement
  4. Address Proof Documents: Memorandum and Articles of Association, Certificate of Incorporation, Telephone Bill, Electricity Bill
  5. Sign Verification Proof: Passport Copy, Photo Driving Permit with DOB, Credit Card Statement, Banker’s Confirmation

Also, the used Used Car Loan can be borrowed in the following type of firms as well:

  • Partnership Firms
  • Sole Proprietorship
  • Public Limited Companies

Used Car Loan Thodupuzha Eligibility Criteria

Eligibility criteria for car loan are given below:

For Salaried:-

  1. Minimum age: minimum age criteria is 21 years
  2. Maximum age at loan maturity: maximum age criteria is 60 years
  3. Minimum employment: 1 year in modern employment and two working years of profession
  4. Minimum Annual Income: Rs. 2,50,000 net annual income

For Self-Employed:-

  1. Minimum age: 21 years
  2. Maximum age at loan maturity: 60 years
  3. Minimum employment: 3 years
  4. Minimum Annual Income: Rs. 2,50,000 per annum

The following type of firm are also eligible to take a pre-owned Used Car Loan Thodupuzha:

  • Sole Proprietorship
  • Partnership Firms
  • Public Limited Companies
  • Hindu Undivided Family

How to Apply for Used Car Loan in Thodupuzha?

Availing a Used Car Loan Thodupuzha is an easy process with DialaBank. You need to follow the following steps to help the best offers on loan:

  • Visit our website Dialabank
  • Click on the Used Car Loan option available in the menu bar
  • Fill in the details regarding the car type and your income (yearly)
  • Wait as our contact administrator will soon get in touch with you on your given figure.
  • You may also reach our contact directors on the number 9878981166 in case of any queries concerning the loan.
  • For availing a Used Car Loan in Thodupuzha offline, you will have to attend the branch individually, which might turn to be excited for you.

Used Car Loan for Major Car Manufacturers in Thodupuzha

TABLE WILL APPEAR

Processing Fees / Prepayment Charges on Used Car Loan Thodupuzha

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 Thodupuzha

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 Thodupuzha

Thodupuzha is a borough in the Idukki district in India’s Kerala state, expanded over an area of 35.43 km2. Thodupuzha is 57 km (35 mi) from Kottayam and 60 km (37 mi) southeast of Kochi. Thodupuzha is 200 km from the state capital, Trivandrum.

Used Car Loan EMI Calculator

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