Best Banks for Car Loan in Dharamshala
Car Loan Dharamshala Features
Having a dream of purchasing your own car? But don’t have enough money? Don’t worry. We Dialabank financial services help customers to compare, analyze and choose the best possible loan. Just apply for the car loan through Dialabank. If your CIBIL is good then you will get a good rate of interest and also you will get high tenure for loan repayment.
All the banks and NBFCs are ready to provide car loans. you can get the loan amount for Ex-showroom price and also, if required you will get a loan for on-road price also. Equated Monthly Installments(EMI) is the monthly fixed charges that you pay to the bank as monthly repayment for the loan amount borrowed. Based on the profile, the interest rate on the loan is determined. EMI is calculated based on the Interest Rate you are charged by the bank and the amount of loan you have to take and the period for which you enjoy the car loan.
Car Loan Dharamshala Interest Rates
Bank
Processing Fee
HDFC Bank Car Loan
(1999 - 4999) + Tax
Axis Bank Car Loan
1 % to 2.50%
Nil
Private Bank Car Loan
0.25% to 1.50%
SBI Car Loan
500/- to 0.50%
Nil
Kotak Car Loan
1% to 2%
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
0.01
Nil
Andhra Bank Car Loan
Nil
Nil
To check Car Loan Interest Rate for all major banks you can visit: Car Loan Interest Rates
Car Loan Dharamshala Documents Required
Documents required for car loan are as followed:
For Salaried Individuals:
- Proof of Identification: Passport copy, PAN Card, Voters ID card, Driving License
- Income Proof: Latest 3-month salary slip with form 16
- Residence Proof: Ration card / Driving license / Voters card / Passport Copy / Telephone Bill / Electricity Bill / Life Insurance Policy /PAN Card
- Bank Statement: Last 6 months.
For Self Employed Individuals:
- Identification Proof: Passport copy, PAN Card, Voters ID card, Driving License
- Income Proof: Latest ITR
- Address Proof(anyone): Ration card/ Driving license / Voters card / Passport Copy / Telephone Bill / Electricity Bill / Life Insurance Policy /PAN Card
- Bank Statement: Last 6 months.
Car Loan Dharamshala Eligibility Criteria
The car loan eligibility requirements are as followed:
For Salaried Applicants
- Minimum age: 21 years
- Maximum age at loan maturity: 65 years
- Minimum employment: 1 year in current employment and a minimum of 2 years of employment
- Minimum Annual Income: Rs.100000 net annual income
For Self-Employed Applicants
- Minimum age: 21 years
- Maximum age at loan maturity: 65 years
- Minimum employment: At least 3 years in business
- Minimum Annual Income: Net profit Rs. 60000 per annum for standard cars and Rs.100000 per annum for mid-sized and premium cars
Car Loan for Major Car Manufacturers in Dharamshala
TABLE WILL APPEAR Apply for a Car LoanProcessing Fees / Prepayment Charges on Car Loan Dharamshala
Category
Details
Processing Charges
Prepayment
Preclosure
Stamp Duty
Cheque Bounce Chgs
Floating Rate of Interest
Not Applicable
Overdue EMI Interest
Amortisation Schedule Chgs
Rs 200 + GST
CIBIL Score Required for Car Loan in Dharamshala
Every financial institution has its criteria for CIBIL score required for processing the Car Loan application in Dharamshala so that they can minimize the risk of lending to the customer. Most institutions require a minimum score of CIBIL of 750 or above to process your loan application. Also having a good CIBIL score helps to loans at a cheaper rate of interest.
The institutions not just look at the score, on the other hand, they take into account a detailed behaviour of the previous loans availed by you. A close consideration of details on the type of loan taken and the amount borrowed takes place. Remember, any delayed payments for previous loans can act as a barrier to avail a new loan.
Car Loan Dharamshala Agent Contact Number
You can get a car loan or any assistance if required anywhere in Dharamshala easily from Dialabank by contacting the number 9878981166.
Pre Calculated EMI Table for Car Loan Dharamshala
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
Car Loan EMI Calculator Dharamshala
About Dharamshala
Dharamshala (also spelt as Dharamsala) is the district headquarters of Kangra district of Himachal Pradesh, India. Kangra District was part of the British province of Punjab. The administrative headquarters of the district were initially at Kangra but were moved to Dharamshala in 1855. This place is 18 km (11 mi) from Kangra. As per the census of the 2001 India census, Dharamshala had a significant population of nearly 30,764.
Apply for a Car LoanOther Cities For Car Loan In Himachal Pradesh
Car Loan Samba | Car Loan Sopore |
Car Loan Bhaderwah | Car Loan Katra |
Car Loan Udhampur | Car Loan Jammu |
Car Loan Srinagar | Car Loan Baramulla |