• Q. Kya hamara loan ho jayega?

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    Dillip
    Dillip | 3 years ago

    If you are considering taking a car loan, feel free to ask for quotes from multiple banks from the dealership itself. A lot of banks and lending authorities have tie-ups with dealers to offer you an easy loan. Or, you can check with your own trusted bank and authorities in case they have a better loan plan to offer.Also, if you are planning to buy a new car on finance, then generally, 20 to 25 per cent down payment is required on the ex-showroom price of a car. However, exact confirmation regarding EMI, down payment, interest, loan period and its procedure will be discussed by the bank only, as it depends upon individual eligibility. Moreover, you can exchange a word with the nearest authorised dealership in your respective city. You can check the dealership at this link- Dealers.

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    Soma
    Soma | 3 years ago

    It depends on several factors such as your CIBIL (credit score), credit history, debt to income ratio, monthly income, job stability, residence, etc. Your credit score is the single most important factor in determining what type of loan you will be able to get from a lender. Whether you’re going through a bank, an auto loan dealer, or the dealership itself, the rate will be dependent on it. A credit score above 750 is considered good enough for a car loan. You can approach any major private bank such as HDFC or others for a car loan. Almost all banks and lenders provide an application on their website where you can check if you are eligible for a car loan. You can also visit the nearest bank branch and ask for the eligibility criteria. However, it is faster and easier to check online.

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