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Apply for car loan in India with apnigaari.com

Our goal is to provide best suitable and transparent deals for car. And to break the huddles of car finance process. With apnigaari.com you can get great deal. For more information fill the below mentioned field.

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Bank Name ICICI Bank HDFC Bank Kotak Mahindra Axis Bank State Bank of India (SBI) Bank Of India Federal Bank
Used Car 16.00 - 17.50% 15.25%-17.75% (60months), 15.25%-17.75% (48months), 15.25%-17.75% (36months), 15.75%-18.25% (24months), 15.75%-18.25% (Upto 12months) Corporate Rates 13.75%-15.25%(From 36-60months), 17% - 20% 16.50% - 18% 17.25% ( Upto 36 Months)17.50% ( Above 36 months) 13.50% - 14% 15.75% - 16.25%
New Car 11.00%-12.75% (From 36-60 months), 13.25-14.25% (From 24-35 months), 15.25%(Upto 23 months) 11.50%-12.25% (From 49-60 months), 11.50%-12.25%(From 36-48 months), 11.25%-12.00%(Upto 36 months) 11.50% - 13.50% 11.50% - 14.50% 11.25% 12.50% - 13.50% 12% - 12.50% (upto & including 36 months) 12.50% - 13%( Above 36 months to 60 months)
Processing Fee Rs.2500/- to Rs.5000/- Rs 2325/- to Rs. 4275/- Rs.3300/- to Rs.4750/- Rs.3000/- to Rs.3500/- 0.5% of loan Amount a) Loans upto Rs.25,000/- - one time Rs.1,000/-b) Loans above Rs.25,000/- upto Rs.25 lacs - one time 1.10% of loan amount - Min.Rs.1,500/- & Max. Rs.5,000/-c) Loans above Rs.25 lacs - one time 0.25% of the loan amount Max.15,000/ Rs 1655/- to Rs 2758/-

Car Finance application process:

Enquiry with a Financer: Firstly seeker need to get in touch financer and get them to make loan offers to you. Then negotiate with them to get the best Car Finance interest rates. Check if any special or festive offers too. Then you need to do select the best bank (financer)by comparing the information you have gathered to choose the best deal .

Documents Collection: After selection of financer, their direct selling agent will visit to you for collection of documents like proof of income, residence proof, and identity.You will have to give the photocopies of income tax returns, salary slips, bank statements, passport, driving license etc. to the agent.

Field Investigation Agency Representative Visit: After submitting the documents, a field investigator will visits your place to cross check the data provided in the documents, such as your residence, work place tenure, and so on. It is important that you are present during this visit to clarify if any question that the investigator might have. Otherwise, the investigator might not get all the facts clearly and could report that the facts you provided do not actually add up - thus forcing the financer to reject your application.

Loan approved: After the financer is satisfied with the authenticity of documents provided by you, the finance is approved. The financer then disburses the amount through cheques or demand drafts (DD). Above mentioned steps are overview of the entire process but it should keep in mind that these can vary from individual to individual and financer to financer.

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