Used Car Loan Garhwa

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Best Banks for Used Car Loan in Garhwa

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 Garhwa Features

Used Car Loans are convenient at low-interest rates
Enjoy favorite pricing
Practice mild hassle-free processing, quick support, and quick disbursals
Track your application anytime, anywhere. Get state updates about your loan demand at every step
Get of customized and convenient repayment programs with pocket-friendly EMIs
Almost all over, banks and NBFCs offer Used Car Loans in Garhwa
The documentation means quick and hassle-free
Used Car Loans are readily obtainable 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

Used Car Loan Garhwa 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 Garhwa Documents Required

Documents required to avail of a 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:

Age proof, the records needed are Memorandum also Articles of Association/Certificate of Incorporation
Identity proof, the records required are Memorandum also Articles of Association/Certificate of Incorporation
Income Proof, there is a condition of the Latest ITR and balance sheet with profit and loss statement
Address Proof Documents: Memorandum and Articles of Association, Certificate of Incorporation, Telephone Bill, Electricity Bill
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 Garhwa Eligibility Criteria

Eligibility criteria to get a car loan :

A good CIBIL score is a must before applying for a loan other than a gold loan. Making sure your CIBIL score is good before applying for a loan is a good practice.

For Salaried:-

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

For Self-Employed:-

Minimum age: 21 years
Maximum age at loan maturity: 60 years
Minimum employment: 3 years
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 Garhwa:

Sole Proprietorship
Partnership Firms
Public Limited Companies
Hindu Undivided Family

How to Apply for Used Car Loan in Garhwa?

Availing a Used Car Loan Garhwa 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 Garhwa 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 Garhwa

TABLE WILL APPEAR

Processing Fees / Prepayment Charges on Used Car Loan Garhwa

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

Pre Calculated EMI Table for Used Car Loan Garhwa

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 Garhwa

Garhwa is a town and a district in and quarters of, Garhwa district in Jharkhand, India. Uttar Pradesh, Chhattisgarh, including Bihar, are nearby stations. Garhwa Road is a significant Railway Junction where thousands of travelers find this station most accessible to catch their train for Delhi and Kolkata.