Commercial Vehicle Loan Process In Hindi |
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- Опубликовано: 7 сен 2024
- Commercial Vehicle Loan Process In Hindi | #Banking2D #CommercialVehicleLoan
*****
Purpose:
To finance all vehicles eligible for registration as Commercial Vehicle in the books of transport authorities
Light Motor Vehicles (LMV) - i.e. 3 wheeler, Car (commercial purpose), Taxi, Delivery Van to be operated for both passenger & Goods carrier
Heavy Commercial Vehicles (HCVs): Commercial Goods transportation, construction/mining activities
Passenger Bus / Semi Luxury / Luxury Buses
*****
Eligibility:
All business units having constitutions
Individuals,
Proprietorship
Partnership concerns
Companies
Society / Trust engaged in transportation business or any other business.
Applicant should have sound knowledge/ experience to run the business, credit worthiness and satisfactory track record
*****
Quantum of Loan
Maximum - Normally up to 5 Crore
Rate of Interest:
Normally 9.00% - 12.00%
Repayment (Term Loan):
Maximum repayment tenure is 5 years
New Vehicles - 60 Months
Old Vehicles - Max up to balance Life
(Moratorium up to 3 Months)
Margin :
New Vehicle - 15-25%
Old Vehicles - 40-50 %
Banks Normally Finance on On-road Price
Mini Truck
Ex-Showroom Price : 10,50,000
RTO Registration Charges: 50,000
Insurance Charges : 50,000
Body building cost : 60,000
Additional Accessories : 40,000
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Total : 12,50,000
Margin 20 % : 2,50,000
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Bank Loan Eligibility : 10,00,000
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Security / Guarantee:
Hypothecation of the Vehicle financed
CGTMSE Cover up to 10 lakhs
Above 10 Lakhs CGTMSE Cover / Collateral Security (25%-50%) of the Loan Amount
Mortgage of property / FDR / LIC Policy, NSCs, KVPs (Surrender Value)
Guarantee Required for Lower Credit Score, Partners of Partnership Firms, Directors of Companies)
Expenses:
Processing Charges: 1%-1.5% + GST
Valuation Charges: 1000-2000 (for Old Vehicles Only)
Hypothecation Charges: Stamp duty (0.25%) [ For 20L ] = 5000
CGTMSE charges 1%-1.5% yearly of o/s Loan Amount
or
One time Mortgage Charges 1% - 2% : (if Property offered as Collateral Security)
or
NIL - if FDR / LIC Policy, NSCs, KVPs offered as Security
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Documents Required:
KYC Documents of Individuals (ID Proof, Address Proof, Photo)
Registration details of Non-Individuals(PAN, TAN, GSTIN, UDYAM, Deeds, MOA, AOA, Board Resolution etc)
Quotation of Vehicles to be purchased
Project report with DSCR calculation for the Term required for Loan
Work Order if any
Old ITR/ P&L / Balance sheets if any
Collateral Security papers (Immovable Property / FDR / LICs / NSCs / KVPs)
*****
You can comment if you need any additional information
Thanks and regards,
Team Banking 2D
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Thanks a lot.
Love from #nepal❤️
I'm looking for this type of video, finally i got it.
100% certified.😍
Most welcome 😊 Sir
Haa Bhai aapne bahut badiya se samjhaya,this video gives really good information about commercial vehicle loan
Thank you sir good information and explain
So nice of you
🙏🏻 Thank you for information ❤
Welcome sir
HDB bank k hisab se
Early loan closing options for second hand commercial trucks.
Finance hojane k baad
36 months tenure me,
6 th month me agar loan amount clear karna chahta hoon.
HDB bank ka kya hisaab hoga.
Zaroor bataaye.
Thank you sir.👍👍👍👍👍👍💯
Normally Nationalised banks me charge nahi rahega prepayment ka.
Agar aap dusre bank me transfer (take over) kar rahe hai to ho shakta hai.
Wo charges normally outstanding balance ka 1 to 2 % ho shakta hai
HDB aapko 6 months se pehle closing allow nahi karega. 6 months k baad 4% pre closure charges lega aapse.
bahut hi informational video bhai 🙏🏻
thank you sir
Good information
Thank you sir
sir. aut rickshaw project report keise banayga
auto rickshaw k liye project report ki jarurat nahi. manager ko batao konse area me chalane wale hai aap. achcha scope hai to finance kar denge.
Sir mere ko Mahendra ka second hand truck lena he to 3lakh loan kese milega🙏
CGTMSE schim ke dwara loan milta ha ya nhi commercial vehicles per
सर 2017 मॉडल पिकअप कमर्शियल जो 300000/ पे मिल रहा हैँ. मेरा 2 साल क्या किस्त. इंटरेस्ट गिरेगा...
ग्रामीण बैंक हैँ... सरकारी बैंक गिरेगा..
Which interest will apply ? Flat or reducing ??? in tata ace glod ?
Sir, aap Government Bank se loge to reducing interest rate milega.
Floating interest rate bhi kahenge usse.
Commercial truck loan amount
6th month me close Karna chahe tho,
Bank kya charge karega.
Please reply me.👍✌️
Please reply me
Normally Nationalised banks me charge nahi rahega prepayment ka. Private banks / FIs me hoga.
Agar aap dusre bank me transfer (take over) kar rahe hai aapka loan to ho shakta hai.
Wo charges normally outstanding balance ka 1 to 2 % ho shakta hai
@@Banking2D thank you very much 👍
Hii
सर मुझे एक जानकारी चाहिए? कमर्शियल व्हीकल लोन
570000 का 5 साल के लिए
इंटरेस्ट रेट ₹6.80 पैसे
हर महीने EMI कितने रुपए की आएगी???
Sir, Google Play Store se koi bhi EMI Calculator ka application down loan kar lijiye. Aap easily ye sab calculate kar paaoge
Sir ji,
Mujhe Bolero pickup Lena hai kisi loan scheme se loan mil sakta ? Avgat karane ki kripa kare....
Koi scheme ho tto uska name suggest kijiyega..
Yes sir. Aap commercial vehicle loan le shakte ho.
Wo CGTMSE scheme cover ho Jayega.
State wise DIC me subsidy bhi rehta hai. Wo bhi aap check Kar shakte hai.
@@Banking2D but I have no itr returned
Commercial vehicle k liye ITR compulsory nahi hai
Sir Govt job salary personal comercial vehicle loan lesakta hai?
Officially Govt salary holder Nahi le shakta commercial Vehicle Loan.
Kyunki ye ek business loan hota hai. Aur government employee koi business Nahi Kar shakta jab tak job chalu hai.
Bank wale de bhi de aapko to bhi aapko careful rehna Hoga. Aapki govt job khatre me aa shakti hai. Better to get loan on the name of any other family member
Agar Aapka Govt Department NOC dega to mil shakta hai
Sir me delhi se hu filhal me privet compeny job kar ra hu mera delhi ghar bhi nai he mera sivil bhi 600 he me soch ra hu ki comercel mahindra bolero loding le kar traspot me chalane ka bhichar he to muje kese lon milega gerentar bhi miljayga koi dikat nai he plzz repley
khud Ka Ghar Hona jaruri Nahi hai. family owned house ho ya rented house ho. Bank sirf ye confirm karti hai ki aap waha reh rahe ho kuchh 1-2 Saal se. aaspaas wale aapki schchi report de manager ko.
cibil score cum hai to koi problem Hoga past me uska explanation puchh Shakta hai bank.
ye Sab satisfactory rehta hai to Bank loan de shakta hai.
..
Aapke case me DIC ke through ja shakte hai loan k liye bank me
@@Banking2D thak you sir
Sir,personal car loan pai kya mai national permit either local permit lag va sakta hoon.
No permissions required for personal car for personal use.
You can't use it for commercial purposes. So work permit can't be obtained
First time business ke liye loan le sakte hai kya.....?
Le shakte hai
Sir new commercial car for ola uber ke liye kitna % loan dena hota hai
75-85%
Sir truck kharid ne ke liye kiya kiya karna chahiye plz reply
Aap ko truck lene k baad kahaan pe kya kaam karna hai uska koi work order hai, to wo lekar apka jahaan pe account hai uss branch me Manager ko mil shakte hai. Wo guide kar denge aapko
Income tax return kitna years ka hona chaiye 2 years or 1 years
not compulsory for commercial vehicle loans
Sir three wheeler kon bank loan deta hai plzz sir fast comment
koi bhi government bank me chale jaao sir jahaan aapka account pehle se hai.
@@Banking2D gya tha bole sirf sarkari nakuri ko meligaa ab baatye ap hee
Sir, sleeper Bus Ka Business Start Karne Ke Liye Kitna loan Mil Sakta He ? kya kya karna padega uske liye or eligibility kya he Kitne Ka Loan Pass Ho Sakta He ?
Bro mera credit score 698 hi commercial vehicle mini truck finance ho jaega
No minimum score required for MSME loans. sirf Aapka default Nahi Hona Chahiye. Jaise ki settlement or write off Nahi Hona chahiye
sir ye sare document kaha se taiyar karway aur kitna estimate paise lagege
CA ki office se karvaye. estimate costing project cost k upar depend karta hai.
minimum 5000-10000 to lagega expense
Sir me ek old sleeper bus lena chah tahu jiska cost hai 45 lakh hai
Kya iske liya Bank laon dega ????
Normally banks 3 Saal tak purane vehicle ke liye loan deta hai. Some finance company may finance for more older vehicle. par unka interest rate jyada ho shakta hai.
@@Banking2D old bus ke liya loan lene ke liya Bank ko documents kya kya dena parta hai
vehicle seller k saath agreement banaoge uski copy
bank uska valuation karayegi
agreement amount or Valuation amount me se jo minimum hoga uska 60% tak finance karta hai bank.
baki sab normal KYC papers, Project samjao manager ko.... how you will earn income and repay the loan
@@Banking2D ok Sir
Can i buy hyundai verna on mudra loan?
Yes. You need to do commercial/ taxi passing of car
Sir maine ek commercial Vehicle loan(Tata Ace Gold) le rakha hai jiski EMI 5500/month hai. aur meri recently Govt job mein Selection hui hai. Ya main Disqualify toh nahi ho jaaunga?
loan already le rakha hai to koi problem nahi.
EMI regular pay karte raho bus.
agar koi subsidy pending hai to sayad wo claim nahi kar paaoge ab
20 year boy ....koi bhi guarantee nhi h truck mil skta h kya loan prujha
Guidelines k hisaab se to mil shkta hai.
Par practicality hamesa alag hoti hai. koi bhi bade finance k liye guarantee nahi hai to at least reference achcha hoga existing customer ka to Bank comfortable hoga aapko finance karne me.
aakhir Bank wale bhi ensure karte hai ki aapko jo loan de rahe hai wo aap bank ko wapis return karoge installments me
Bro meraa credit score 717 hai Experian 719 toh kiyaa truckk finance ho jaayegii??
700+ score sabhi Tarah k loan k liye eligible hai.
Msme k liye 650+ score bhi kaafi hita hai.
Ager main ek government employee hun or main "personal" lone lekar bus nikalu to isase mere job m koi dikkat aa sakta hai Kya , uske liye mujhe Kya krna hoga.
Normally rule k according NOC Lena padta hai aape Govt department se. you may apply for NOC to purchase vehicle to gift any of your family member. in such case they may permit you
Bhai kitne comercial vehicle loan ek baar me le sktein hai
sir koi limit nahi hai, aapke paas bada order hai scope hai to project k According hota hai finance
Bro autorickshaw loan from Kerala which bank
Sir, You should apply where you are presently having your account.
Preference should be given to nationalised bank, so interest rate will be lower compared to other banks.
If possible apply through DIC, you may get some subsidy on loan
Mera income tax return nahi tab kya SBI loan dega
income tax return compulsory nahi hai Commercial vehicles k loan k liye. aapka project ramjao Manager ko
Auto ka plate no. Bata da
Sir, aapka samaj me nahi aaya hai Hume. Wapis puchh shakte ho
i need a project report to buy a new commercial vehicle, can u help me ?
sir, online search karoge to sample project report mil jayega
Mujhe bus ke liye loan chaiye kase apply karu
First contact branch manager or credit department where you are having your account now. Explain him your idea, ask him product of your bank for commercial vehicle finance
Or aap aapki bank ki website pe product me search Karo. Samaj k jaao bank me Milne.
Taaki manager Nahi Karna chahte loan to bhi aapko miss guide na Kar paaye
Mana be Lana ha lon
Vehicle ka quotation lekar, aapka jis bank me Account hai wahaan manager ko miliye.
Can I get loan on commercial car
Yes sir.
Aapko as a commercial vehicle registration Karna Hoga.
In short number plate yellow karvana hai
@@Banking2D sir I have already commercial car
On that I need loan
Government banks me vehicle k liye refinance ke schemes Nahi hai.
I think it is there with private banks like HDFC and ICICI banks
Good explanation sir but kya aapka koi contact no. Mil skta hai jispe bat ho ske
Sir, you can share your questions on banking2d@gmail.com
Sir mere ko Mahendra ka second hand truck lena he to 3lakh loan kese milega🙏