Car Loan Haldia

Car Loan Haldia

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Best Banks for Car Loan in Haldia

Feature	HDFC Bank	Private Bank	Kotak Mahindra Bank
Interest Rate (p.a.)	7.35% - 7.95 %	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

Car Loan Haldia Features

Car loan haldia Need to buy a new car? Facing a shortage of cash? No need to worry now. Car Loan, it is the easiest and most convenient way to finance your car at affordable interest rates and the minimum documentation required. Compared to the other loans, the eligibility requirements are also not stringent. If an person has a secure source of income and documentation that are required, then banks and NBFCs can easily provide car loans without any hassle.

Car Loan Haldia 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
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	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

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Car Loan Haldia Documents Required

Documents required for car loan are as followed:

For Salaried Individuals

Identity Proof: Passport copy, PAN Card, Voters ID card, Driving License
Income Proof: – Latest 3-month salary slip with form 16
Address 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

Identity Proof: Passport copy, PAN Card, Voters ID card, Driving License
Income Proof: – Latest ITR reports.
Address Proof: Ration card / Driving license / Voters card / Passport Copy / Telephone Bill / Electricity Bill / Life Insurance Policy /PAN Card
Bank Statement: Last 6 months.

Car Loan Haldia Eligibility Criteria

Car loan eligibility criteria for the salaried and self-employed applicants for a car loan in Haldia vary in the following manner:

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 p.a for standard cars and Rs.100000 p.a. for mid-sized and premium cars.

Car Loan for Major Car Manufacturers in Haldia

TABLE WILL APPEAR

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Processing Fees & Prepayment Charges on Car Loan in Haldia

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 Car Loan Haldia

CIBIL score is an important criterion on which banks and NBFCs approve any customer’s car loan. For each lending institution, the minimum requirement of a CIBIL score for a car loan is different. A score above 800 is generally considered decent for any person to apply for a car loan.

It is important that one should clear all the pending dues and debts in order to maintain a good credit score. Default in your credit score may hinder your opportunities for availing a fresh loan in the future.

Car Loan Haldia Contact Number

To get an easy and instant car loan you can visit DialaBank or call on 9878981166 to get personalized assistance. Our relationship managers are well trained and will assist you in the best ever way possible in order to provide you with a deal most suited for you.

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Pre Calculated EMI Table for Car Loan Haldia

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