Generic Commercial Loan Application: Fill & Download for Free

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Union Bank customer care-(7319280659)number toll free.Union Bank of India Car Loan Interest RatesUpdated onJan 05, 2021 - 04:20:31 PMBuying a car of your choice is one of the most rewarding decisions in life and it becomes easier when you have a reliable financial support. Union Bank of India Car Loans bring relief to those who are planning to buy a vehicle.IntroductionThere are many banks offering car loans, the things to keep in mind when buying a brand new car or a used one are the interest rates between the two. In this article we will look at all aspects of Union Bank of India Car Loan.Interest Rate for Car LoanTo begin with, It is vital to understand the various cost factors involved for a car loan with regards to the banks funding and your personal contribution (down payment). Union Bank presents different interest rates for the different category from 9% – 12%Union BankNew Car LoanUsed Car LoanInterest Rate9%12%Loan TenureUpto 7 yearsUpto 5 yearsLowest EMIRs. 1,609 per lakhRs. 2,075 per lakhLoan AmountUpto 85% of on road priceUpto 50% of vehicle’s market valuePrepayment ChargesNilNilYou definitely want to ensure that your lender (Bank) provides auto-adjusted benefits on interest rates that extends into the future. That’s the reason why you need a credible lending institution with a dedicated and experienced workforce who will guide you through the entire process.Features of Union Bank Car LoanUnion Bank car Loans are available for both salaried and self employed.Special rates for Union Bank account holdersCar Loans granted to age group between 18 to 65 years.Loan to Value Ratio is up to 85% on road priceMaximum Tenure of loan is 7 years.Interest rates range from 9%EMI of Rs. 1,609 per lakhSo, are you ready to buy a Vehicle?If the answer is YES, you must be having a lot of questions in your mind like:Am I eligible for the Car loan?How much EMI will I need to pay every month?How can I compare the EMIs of different banks on my own?Where will I arrange the down payment amount and EMI amount from?How much down payment do I have to make?Let’s understand this with a simple example: Let’s assume a scenario. Salman has begun a construction business. He has to transport huge quantity of material to his clients everyday. Instead of hiring transport, Salman decides to buy a truck for transportation on his own. The price of a truck is 20 lakhs but Salman’s funds are low and therefore Salman plans to approach Union Bank for a car loan. He inquires about the car loan in detail. He is feed with so much information; he gets puzzled. In this case Salman thinks of beginning to save from today, so that he is able to pay the initial amount of the loan as well as the EMIs. . This is where Car loan EMI calculator and ClearTax’s Save is a simple solution to all of Salman’s financial issues. ClearTax offers a brilliant way to save for your future financial goals through ClearTax Save! Just like Salman You can now save for your initial down payment as well as other payments. But we also recommend you calculate and judge your investment options anyway. In general, people start saving their money in either of these, say RD (Recurring Deposit), Savings account, SIP (Systematic Investment Plan) etc. Let’s find out the best way to save your money for down payment and for other expenses too:Vehicle Value20 lakhsTime2 yrs. (24 months)Down payment20% of Loan value = 4 lakhsNow, consider different scenarios for saving your money for the next 2 years.Type of InvestmentInterest RateMaturity Amount after 2 YearsSavings Account4%Rs. 4,17,084 (Gains=Rs. 17,084)Recurring Deposit7.5%Rs. 4,32,783 (Gains =Rs. 32,783)SIP14-18%Rs. 4,84,364 (Gains = Rs. 84,364)Hence from the above table SIP is the most rewarding saving’s scheme; as SIP will enable you to invest regularly every month by diversifying your investment resulting in you owning your dream car sooner than you expected. Invest now in SIP through ClearTax Save as low as Rs. 1,000!Car Loan EMI Calculator, how does it work?A Car Loan EMI Calculator is a handy tool that calculates the monthly amount payable to the lender (Bank) every month. To calculate the EMI applicable on your loan amount, you need to use the sliders above to adjust the values of the Principal amount (P), Time duration (N), and Rate of interest (R). EMI calculator.FREE Car Loan EMI Calculator - Calculate Interest & EMI on Car LoanCalculate your Equated Monthly Installments for car loan with ClearTax Car Loan EMI Calculator. Know your payable Interest with monthly repayment schedule.https://cleartax.in/s/car-loan-emi-calculatorUnion Bank Parameters to decide Car Loan Interest Rates:3 basic criteria on which the loan interest rate would largely depend are: • Loan amount: Car Loan amount will decide the interest rate you are going to pay. The more the loan amount, the lesser the interest rate will be • Your Salary: higher the salary amount, lower would be the interest rate • Type of loan opted for: Account holders have a fair deal now! They can enjoy a lower rate of interest on car loans. It is generally advantageous to take a car loan as it will allow you to get tax exemptions. However, you must consult your CA/ income tax advisor to know the benefits/disadvantages in your specific case.Eligibility Criteria for Car LoanTo become eligible for HDFC Bank car loan the eligibility standard must be matched. That becomes an important deciding factor for your loan amount. Instances like:Salaried, Self- Employed Professional or a BusinessmanIncomeAgeQualificationsNumber of dependentsCo-Applicants IncomeAssets, Liabilities, Stability, and Continuity of Occupation of the borrowerSavings HistoryFurther, the loan eligibility will also be dependent on the value of the vehicle selected by you. Some of the key eligibility factors are listed below:Interest Rate9%Age18 – 65 yearsJob Stability in case of Salaried (in years)2 yearsLoan to Value RatioUp to 85% on road pricePenalties/Other Charges for Car LoanIn addition to the mentioned interest rates, car loans also carry the processing fee, foreclosure charges, registration charges and other charges that are applicable. Let’s discuss some charges in detail:Processing Fee – Union Bank charges nil processing fee.Prepayment Charges: If you decide to foreclose or transfer your car loan to another bank, you need to submit an application for the same to Union Bank and follow RBI rulesProcess of Applying for Car LoanYou can apply for Union Bank car loan by contacting the bank directly or by applying online. Availing a loan through an online marketplace improves the chances of getting best loan rates, low processing fees and special offers in the form of cash backs. Once you approach the bank, they will collect your documents and initiate the loan process which includes checking your CIBIL score, the value of the property, technical and legal checks on the property, eligibility calculation. The bank will give a decision on your loan based on the evaluation results.Documents for Car LoanSalaried employeeSelf-EmployedFilled up loan application formFilled up loan application form2 Passport Size Photo2 Passport Size PhotoIdentity Proof – Passport/ Driving Licence/ Voter ID/ PANIdentity Proof – Passport/ Driving License/ Voter ID/ PANResidential Address Proof – Leave and License/ Registered Rent Agreement/ Utility Bill (upto 3 months old), PassportResidential Address Proof – Leave and License/ Registered Rent Agreement/ Utility Bill (upto 3 months old), PassportIncome Documents – 6 months payslip, 2 years Form 16, 6 months bank statement showing salary credit and any EMI debitBusiness proof such as VAT/ service tax registration, incorporation details in case of companies, business address proof, profit and loss account and balance sheets certified by CA, copy of partnership deed and proof of business existence and business profileUnion Bank Car Loan Tax Benefits:Car loans provided for self-employed/Business men that are used for commercial purposes are eligible for tax deduction under section 80C of the Income Tax Act.Similar Banks Offering Car LoansAxis Bank Car Loan Interest Rates - Eligibility, Facts, Benefits & PenaltyCheck Axis Bank Car Loan Interest Rates and information for latest year. 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Know your payable Interest with monthly repayment schedule.https://cleartax.in/s/car-loan-emi-calculatorMake Small Investments for Bigger ReturnsMutual Funds Investment India - Save Taxes & Grow Wealth Online - ClearTax InvestClearTax Invest helps you to Invest in the best performing mutual funds of 2018 & let your money grow through the power of compounding. 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All of Asia (Singapore, and particularly India) are highly suspected of ‘fudging the books’ when creating a ‘piggy-back’ application to produce a generic. The issue is the high cost of actually doing the work, and then get rejected, so they generate false crappola ‘as if’ they did the work-up, and toss their creativity to the FDA. If the FDA approves it, then they scramble to generate more false lab books, while the try to actually set-up the production hardware (and the loans) to do what they said they've already done; and hope it works as their data said it did. This placein China apparently screwed-up a released Rabies vaccine, and on inspection their books have been fudged. Standard stuff. Heads may roll literally, as an example. The error could have been a careless mistake, but the fudging of the books will put someone away for life in China, or worse.It’s been 10 years since they poisoned the powdered milk (a MAJOR consumable in China for some reason), and the population remains afraid to buy local stuff; 300.000 sick babies, a 6 deaths. They get American made through HK to some degree even today. After the ‘Melamine’ in the milk scandal, China enacted VERY harsh rules.I’ve never been to a Asian Pharmaceutical Plant, most of Singapore’s have a very good reputation however, India and China: not so much. I’ve seen a UK Pharmaceutical (vaccine) that had no records of cleaning the place, and the walls showed it. They didn’t cook the books, they didn’t have any books! All their calibrations were third-party, and those guys were coming up with numbers from Calibration Instruments that frequently didn’t read in that range. Quite a trick. I saw a commercial clinical lab in Sacramento, and I asked if they kept service records, they said sure, for each instrument, in the bottom drawer below the instrument. Sure enough, in the bottom drawer was a messy ball of old copies of calibration reports (Roche Labs!).