Used Car Loan Kalyani

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Best Banks for Used Car Loan in Kalyani

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 Kalyani Features

Used Car Loan Kalyani Still, thinking about buying a car? But don’t they have the capital necessary for it? Make no worries! There’s also a used car loan for you on this. A used car loan is a form of financing or financial help given to the borrowers by banks and non – banks at a fixed interest rate to help them purchase a used vehicle.

Since used cars have now become a necessity for everyone, but the cost of used cars is increasing exponentially every day. It is like this where a used car loan comes into play and fulfils your need to be the owner of your used car dream. The principal features of a Kalyani used car loan are:

Experience clear, trouble-free collection, prompt approvals, and fast tax payments
Borrowing on a large variety of used cars and micro-use vehicles up to Rs.2.5 Crore
Get design aid in choosing a car that satisfies your unique needs
Offers direct and flexible repayment terms with EMIs that are wallet-friendly

Used Car Loan Kalyani 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 Kalyani Documents Required

documents required for a car loan are mentioned here-under:

For Salaried:-

Identity Proof: PAN Card, Voters ID card, Passport copy, Driving License, NREGA general contractor released, Letter provided by the National Register of Population containing identity & delivery address
Address Proof: NREGA general contractor released / Letter provided by the National Register of Population containing identity & delivery address / Driving license / Voters card / Passport Copy /PAN Card
Bank Statement: Last 6 months.
Income Proof: Latest 3-month salary slip with form 16

For Self Employed:-

Identity Proof: PAN Card, Voters ID card, NREGA general contractor released, Letter provided by the National Register of Population containing identity & delivery address, Passport copy, Driving License
Bank Statement: Last 6 months.
Income Proof: present ITR file and income slip
Address Proof: Voters card / NREGA general contractor released / Letter provided by the National Register of Population containing identity & delivery address / Passport Copy /PAN Card

Used Car Loan Kalyani 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: 1 year in the present job profile and a smallest of 2 years of total
Minimum% Yearly Income: Rs. 2,50,000 per capita profits, plus spousal profits

For Self-Employed:-

Minimum% age: 25 years
Maximum% age at loan maturity: 65 years
Minimum% employment: at the earliest 3 years in sales
Minimum% Annual Profits: Rs. 2,50,000 net per year

How to Apply for Used Car Loan in Kalyani?

The implementation of a Kalyani used car loan is an easy question with DialaBank. Follow the steps below to get the lowest prices:

Website Dialabank
Go on the used car loan point available in the option bar
Fill in the details about the class of used car and your earnings
Wait for our engagement manager to get in contact with you on your assigned number soon.
In case of queries concerning the loan, you can also contact our relationship managers at phone 9878981166.
To enable the use of an offline used car loan you would need to sign up for an account directly, which could turn out to be intense for you.
A good CIBIL score is an unsaid requirement as it provides an insight to the provider about your financial behaviour.
A good CIBIL score provides an opportunity to negotiate and reduce the car loan interest rate to a certain extent

Used Car Loan for Major Used Car Manufacturers in Kalyani

TABLE WILL APPEAR

Processing Fees / Prepayment Charges on Used Car Loan Kalyani

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 Kalyani

The CIBIL score is called what dictates your ability to make your credits pay off. A higher credit score means a strong credit rating which makes the application process for your used car loan easy which easy to process. Most of the time, banks and NBFCs consider a payment history of 750 and above as a decent score for approving your Kalyani loan application form.

You would be expected to pay a high-interest rate on the loan sum in place of a poor CIBIL score than the rated value and if your CIBIL score is decent otherwise you’ll have to pay a poor rate of interest. Therefore a CIBIL score for a used car loan is a significant factor.

Used Car Loan Kalyani Contact Number

For any reservations about the used car loan in Kalyani, you can request for any kind of assist on number 9878981166.

Pre Calculated EMI Table for Used Car Loan Kalyani

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 Kalyani

West Bengal’s Indian state is a landscape of breathtaking proportions – vibrant, modern, and new. Bengal addresses every form of tourist aspirations. She never fails to impress the visitors with her kaleidoscopic offerings with her varied topography, spectacular valleys, high mountainsides, cascading rivers, and eerie wilderness.