{"id":4955,"date":"2018-06-02T04:15:19","date_gmt":"2018-06-01T22:45:19","guid":{"rendered":"https:\/\/www.antworksmoney.com\/blog\/?page_id=4955"},"modified":"2019-09-25T12:28:00","modified_gmt":"2019-09-25T06:58:00","slug":"commercial-vehicle-loan","status":"publish","type":"post","link":"https:\/\/www.antworksmoney.com\/blog\/commercial-vehicle-loan\/","title":{"rendered":"Commercial Vehicle Loan"},"content":{"rendered":"<p>Starting from private vehicles to commercial vehicle each has its contribution in improving the standard of life.\u00a0<strong>Commercial loan<\/strong>\u00a0is given to self-employed, trust, organisation etc. taking loan for small to heavy vehicle for commercial or business purposes. Precisely talking about commercial vehicle, it costs a huge compared to other vehicle. Hence, various financial institutions and bank has come up with very affordable loan for every section of the Indian society. But before you procure your\u00a0<em>commercial vehicle loan<\/em>\u00a0you must consider some vital points to crack the best deal.<\/p>\n<p><u><strong>Commercial Vehicle Loan Details<\/strong><\/u><\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Particulars<\/strong><\/td>\n<td><strong>Details<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Eligible customers<\/td>\n<td>Individuals, proprietorships, companies, partnership firms, trusts and societies<\/td>\n<\/tr>\n<tr>\n<td>Eligible vehicles<\/td>\n<td>Buses, trucks, tippers, trailers, tankers and other light &amp; small commercial vehicles<\/td>\n<\/tr>\n<tr>\n<td>Age Limit<\/td>\n<td>Minimum- 24 Maximum- 65<\/td>\n<\/tr>\n<tr>\n<td>Quantum<\/td>\n<td>Minimum- Rs.1 lakh Maximum- Rs.5 crore<\/td>\n<\/tr>\n<tr>\n<td>Margin<\/td>\n<td>Up to 100% of the chassis<\/td>\n<\/tr>\n<tr>\n<td>Security<\/td>\n<td>Hypothecated vehicle\/Guarantor<\/td>\n<\/tr>\n<tr>\n<td>Approval Duration<\/td>\n<td>2 to 5 days depending on customer\u2019s profile<\/td>\n<\/tr>\n<tr>\n<td>Interest Rate<\/td>\n<td>10% p.a. to 15% p.a.<\/td>\n<\/tr>\n<tr>\n<td>Processing Fee<\/td>\n<td>2%-4% of the loan amount<\/td>\n<\/tr>\n<tr>\n<td>Insurance<\/td>\n<td>Comprehensive insurance at borrower\u2019s cost for entire loan tenure<\/td>\n<\/tr>\n<tr>\n<td>Repayment period<\/td>\n<td>2-5 years<\/td>\n<\/tr>\n<tr>\n<td>Prepayment<\/td>\n<td>Any time after 6 months with up to 5% of the outstanding amount<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Commercial Vehicle Loan: Features<\/h2>\n<ul>\n<li>You can get a commercial vehicle loan at a low interest if your profile matches with the criteria put forwarded by the lenders.<\/li>\n<li>The processing time of a commercial vehicle loan is fast with easy documentation and approval.<\/li>\n<li>Most of the prominent banks in India provide commercial vehicle loan at an affordable rate of interest without any security.<\/li>\n<li>Some of the banks assign a personal relationship manager from starting till procurement of the vehicle. He\/she will do all documentation and address every issue related to the loan.<\/li>\n<li>Once all required documents are submitted, it takes around 7 days for the disbursal of the loan amount.<\/li>\n<\/ul>\n<div class=\"col-md-12 link-section\"><\/div>\n<h2>Types of Commercial Vehicle Loan<\/h2>\n<p>Commercial loans can be availed for a variety of commercial vehicles which are used at different places to serve various purposes. Based on the type of vehicles these loans are sought for, commercial vehicle finance is differentiated in three broad categories namely:<\/p>\n<ul>\n<li><strong>New commercial vehicle loan<\/strong><\/li>\n<\/ul>\n<p>This type of commercial vehicle loan is provided to the customers for the purchase of new commercial vehicles for business purpose. Banks offer up to 100% funding on the chassis or base frame value of the vehicle. Some of the banks provide additional funding for the body construction of the vehicles in selective cases based on the borrower\u2019s profile.<\/p>\n<ul>\n<li><strong>Old commercial vehicle loan<\/strong><\/li>\n<\/ul>\n<p>Old or used commercial vehicle loan are those loans which are offered to purchase all makes of pre-owned or used commercial vehicles. Under this loan, borrowers can expect to get finance against old vehicles which are up to 15 years old. Most of the banks provide up to 90% funding on the used vehicle\u2019s value or depreciation grid value.<\/p>\n<ul>\n<li><strong>Commercial vehicle refinancing<\/strong><\/li>\n<\/ul>\n<p>Under commercial vehicle refinancing, banks either offer loan on an existing vehicle which is free of loan or take over an existing commercial vehicle loan and provide additional finance for it based on eligibility. While some borrowers can reduce the monthly EMIs of their existing loan and free up some cash by refinancing an existing loan at lower interest rates, some others can get direct finance on their free vehicles to meet the working capital needs.<\/p>\n<h2>Who Can Avail Commercial Car Loan?<\/h2>\n<p>Banks and other lenders offer commercial car loan to a broad array of customers to meet their business needs. In other words, this type of vehicle loan can be availed by various segments of customers having diverse profiles. Here is the list of the consumers considered to be eligible for this loan:<\/p>\n<p>\u00b7 Individuals<\/p>\n<p>\u00b7 First-time users and buyers<\/p>\n<p>\u00b7 Small, medium and large-sized fleet owners<\/p>\n<p>\u00b7 Proprietorship firms and Partnership firms<\/p>\n<p>\u00b7 Public Limited &amp; Private Limited Companies<\/p>\n<p>\u00b7 Trusts and societies<\/p>\n<p>\u00b7 Schools and colleges<\/p>\n<p>\u00b7 Captive customers and transporters<\/p>\n<p>Salaried and self-employed individuals can co-apply for a commercial vehicle loan with blood relatives or family members. On the other hand, the partners in partnership firms and the directors in private limited companies can jointly apply for this loan.<\/p>\n<p><strong>Note<\/strong>: Sometimes, banks or financial organisations offer special schemes for first-time buyers and fleet operators\/owners.<\/p>\n<h2>Commercial Vehicle Loan: Benefits<\/h2>\n<p>Commercial vehicle loan stands out to be the most preferred option for borrowers who are either intending to buy their first commercial vehicle or planning to add a new vehicle to their existing fleet of commercial cars due to the plethora of benefits that it offers. Some of the outstanding benefits of this loan are as follows:<\/p>\n<p>\u00b7\u00a0<strong>Flexible repayment tenure-\u00a0<\/strong>Usually, the repayment tenure offered in commercial car loan is up to 5 years. This ensures low EMI amount to the borrowers enabling them to pay off the EMIs without any undue financial burden.<\/p>\n<p>\u00b7\u00a0<strong>Multiple vehicle financing-\u00a0<\/strong>Whether you are an individual borrower or a fleet owner, you can get finance for a variety of vehicles such as tippers, trucks, buses, trailers, tankers, and other small and light commercial vehicles to grow your business.<\/p>\n<p>\u00b7\u00a0<strong>Easy processing-\u00a0<\/strong>The process of applying for a commercial vehicle loan is easy, fast and convenient. After the submission of all the required documents, banks usually take 4-5 days to process a new or used vehicle loan application.<\/p>\n<p>\u00b7\u00a0<strong>Simple documentation-\u00a0<\/strong>Commercial vehicle loans come with a hassle-free and quick documentation process. The users can easily upload all the mandated documents online without visiting the bank directly.<\/p>\n<p>\u00b7\u00a0<strong>No credit-score compulsion<\/strong>&#8211; Unlikely other loans, commercial vehicle loans don\u2019t require any existing credit score. Borrowers having low or even zero credit score can avail a commercial vehicle loan with ease.<\/p>\n<p>\u00b7\u00a0<strong>Caters to multiple needs:\u00a0<\/strong>The loan schemes are designed to cater to the borrowers\u2019 diverse requirements including new and used vehicle financing, top up on existing loan and refinancing of loans\/vehicles for working capital.<\/p>\n<p>\u00b7\u00a0<strong>Customised solutions:<\/strong>\u00a0In order to meet the specific requirements of the customers, every commercial vehicle loan scheme is customised according to the vehicle type, loan duration and financial ability of each individual borrower.<\/p>\n<h2>Commercial Car Loan Documentation<\/h2>\n<p>\u00b7 Duly filled application form with attached photograph<\/p>\n<p>\u00b7 2 passport-size photographs<\/p>\n<p>\u00b7 Cheque for processing fee<\/p>\n<p><strong>KYC documents<\/strong><\/p>\n<p>\u00b7\u00a0<strong>Age proof<\/strong>&#8211; Aadhaar Card\/PAN Card\/Voter&#8217;s ID card\/Driving License\/Passport (Any one)<\/p>\n<p>\u00b7\u00a0<strong>Identity proof<\/strong>&#8211; Aadhaar Card\/Voter&#8217;s ID card\/Driving License\/Passport (Any one)<\/p>\n<p>\u00b7\u00a0<strong>Residence proof<\/strong>&#8211; Rental agreement\/Voter\u2019s ID Card\/Passport\/Ration card\/Tel bill or Elec. Bill\/Trade License\/ Sales Tax Certificate (Any one)<\/p>\n<p>\u00b7\u00a0<strong>Signature verification proof-<\/strong>Driving License\/PAN Card\/Registered Sale Deed\/Govt. ID Card(For Govt. employees) (Any one)<\/p>\n<p><strong>Income proof<\/strong><\/p>\n<p>\u00b7 Last 3 months Salary Slips<\/p>\n<p>\u00b7 Latest 6 months bank statement<\/p>\n<p>\u00b7 Form No.16<\/p>\n<p>\u00b7 Updated ITR for last 2 years<\/p>\n<p>\u00b7 Photocopy of official ID<\/p>\n<p><strong>Experience proof<\/strong><\/p>\n<p>\u00b7 Valid documents to prove relevant experience (In case of first-time buyers)<\/p>\n<p><strong>Other Documents<\/strong>\u00a0<strong>(As applicable)<\/strong><\/p>\n<p>\u00b7 Existing vehicle ownership proof<\/p>\n<p>\u00b7 Vehicle details &amp; valuation report<\/p>\n<p>\u00b7 Insurance and RC copy of vehicle<\/p>\n<p>\u00b7 Fleet list details (In case of small, medium, and large fleet operators\/owners)<\/p>\n<p>\u00b7 Trade references (In case of first-time buyers, fleet operators\/owners &amp; experienced borrowers)<\/p>\n<p>\u00b7 Property ownership proof (In case of farmers)<\/p>\n<p>\u00b7 Proprietorship decl., partnership deed,(MOA\/AOA), board resolution &amp; 2 years audited financials (In case of Private\/Limited companies, partnership firms, trusts &amp; societies)<\/p>\n<p>\u00b7 Loan repayment track (if any)<\/p>\n<div class=\"row btm-pad product-landing-btn-block\"><\/div>\n<h2>Eligibility Criteria for Commercial Vehicle Loan<\/h2>\n<p><u><strong>For new commercial vehicles<\/strong><\/u><\/p>\n<p>\u00b7 Applicant\u2019s age should be above 24 years during loan commencement and within 65 years at the time of loan maturity.<\/p>\n<p>\u00b7 Salaried borrowers should have more than 2 years of employment stability and self-employed individuals must have at least 2 years of business experience.<\/p>\n<p>\u00b7 Private\/Limited companies, partnership firms, trusts, societies and associations must be in existence for minimum 2 years.<\/p>\n<p>\u00b7 Fleet operators and other existing vehicle owners require to have 1 to 3 years of vehicle ownership proof of one or two commercial vehicles.<\/p>\n<p>\u00b7 Private\/Limited companies, partnership firms, trusts &amp; societies Companies need to provide 2 years of audited financials.<\/p>\n<p>\u00b7 Internal\/external guarantor needed sometimes in case of individuals, first-time buyers and fleet operators\/owners.<\/p>\n<p>\u00b7 The customers need to have minimum residential stability of 2 years. *(Borrowers with lesser stability are subjected to certain terms and conditions).<\/p>\n<p><u><strong>For old commercial vehicles<\/strong><\/u><\/p>\n<p>Borrowers applying for a commercial car loan for old vehicles need to fulfil the following criteria along with the basic ones:<\/p>\n<p>\u00b7 Customers need to have relevant experience of 3 to 5 years depending on individual profile.<\/p>\n<p>\u00b7 Minimum 1 year of ownership of at least 2 vehicles.<\/p>\n<p>\u00b7 At least 1 year repayment track of commercial vehicles<\/p>\n<p>\u00b7 Construction equipment loan or any other type of loan (Up to 50% of a new loan request based on the category of the customer).<\/p>\n<div class=\"row btm-pad product-landing-btn-block\"><\/div>\n<h2>Vital Aspects of a Commercial Vehicle Loan<\/h2>\n<p>\u00b7\u00a0<u><strong>Application process<\/strong><\/u><strong>&#8211;\u00a0<\/strong>At first, the borrower need to fill up an application form online, then furnish all the necessary documents and finally provide the details of the personal guarantor if required.<\/p>\n<p>\u00b7\u00a0<u><strong>Loan approval-<\/strong><\/u>\u00a0The bank will run a check to verify the documents and borrower\u2019s eligibility. If the borrower is found to be eligible, the loan will be approved within 2 to 5 working days from the time of documentation.<\/p>\n<p>\u00b7\u00a0<u><strong>Processing charges<\/strong><\/u><strong>&#8211;\u00a0<\/strong>Banks ask for a minimal non-refundable amount for processing a commercial vehicle loan. This amount depends on the amount of the loan applied for and generally ranges from 2% to 4% of the loan amount.<\/p>\n<p>\u00b7\u00a0<u><strong>Loan Amount\/Margin<\/strong><\/u><strong>&#8211;\u00a0<\/strong>The maximum loan amount for commercial vehicles varies from customer to customer based on their individual profile. A borrower can get up funding of up to 100% of the vehicle\u2019s chassis.<\/p>\n<p>\u00b7\u00a0<u><strong>Repayment tenure<\/strong><\/u><strong>&#8211;\u00a0<\/strong>The repayment tenure for a commercial vehicle loan usually starts from 6 months and goes up to 60 months (5 years). The borrower is allowed to repay the amount in easy monthly EMIs.<\/p>\n<p>\u00b7\u00a0<u><strong>Security\/collateral<\/strong><\/u><strong>&#8211;<\/strong>\u00a0While certain banks offer loans for commercial vehicles without any security or guarantor, some require a guarantor or co-applicant depending on the borrower\u2019s profile and the product.<\/p>\n<p>\u00b7\u00a0<u><strong>Pre-payment of loan<\/strong><\/u><strong>&#8211;\u00a0<\/strong>The borrowers can prepay the loan after 6 months of availing it by paying a pre-payment fee of up to 5% of the remaining loan amount. However, part pre-payment of the loan is usually not allowed.<\/p>\n<h2>Commercial Vehicle Loan Interest Rates<\/h2>\n<p>The interest rate of the commercial vehicle varies from bank to bank. The amount is fixed by the lenders on the basis of the customer and the segment of vehicle. After evaluating the documents and the profile of any individual borrower, the bank\/lending organisation confirms the final rate of interest to be charged for that profile. Generally, it ranges between 10% p.a. to 15% p.a.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Starting from private vehicles to commercial vehicle each has its contribution in improving the standard of life.\u00a0Commercial loan\u00a0is given to self-employed, trust, organisation etc. taking loan for small to heavy vehicle for commercial or business purposes. Precisely talking about commercial vehicle, it costs a huge compared to other vehicle. Hence, various financial institutions and bank &hellip; <a href=\"https:\/\/www.antworksmoney.com\/blog\/commercial-vehicle-loan\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Commercial Vehicle Loan&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-4955","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Commercial Vehicle Loan - Antworks Money<\/title>\r\n<meta name=\"description\" content=\"Starting from private vehicles to commercial vehicle each has its contribution in improving the standard of life...\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.antworksmoney.com\/blog\/commercial-vehicle-loan\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Commercial Vehicle Loan - 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