Icici Bank Car Loan Porocess Endhi

[ronitreddy]

:3D_Smiles:  :3D_Smiles_38:  ardam iyyindi baa ne frustration naaa home loan approve seyyataniki nana armpits lick seypinchadu  :3D_Smiles_38:

Just statements nen kuda make chestha baa..Undi pani chesthunte, thiruguthu unte telusthadi aa pain..Denamma thirigi thirigi oka 2 days sunstroke ochi addam paddanu...

[donganaaK]

LOL...I applied for a car loan a week ago..still not yet approved..

 

Let me tell you about my experience..Monna call chesi bank vadini emaindi 2 days lo aypothadi ante vaadu antadu meeru interest leru ani nenu mee FILE pakkana pettanu sir anta..I was like WTF, antha time spend chesi anni docs ichi signatures chesi unte..Meeru interest leru ante vaadu manalni ela untadi..I just asked him..Isn't it your responsibility to act upon my loan application wisely ani..Ayna antadu correct ee sir, meeru oksari anni docs ichaka maaku roju call chesi Good Morning/Good night cheppali sarasalu aadali ani..Does it make any sense man? Idi INDIA paristhithi..

 

30 pages signatures tiskunnadu...Anni photo copies tiskunnadu,Na properties, Na most recent pay stubs, Na current employment status, Na prev employment, Prev EVL, Current EVL, Bank statements, India Bank Statements(enni unte anni), Employee identification number, Malla bank vadu maa HR ki email pedithe vaadu reply ichaka, Maa company gurinchi verification chestharu anta bank vallu..Idantha ayyaka, bank vadu oka 3rd party ki mana house verification ki pampisthadu..vadu na current address ki ochi, nijanga flat unda leda, evarevaru untaru intlo, flat loan mida unda, unte entha undi, eppudu aypothadi, EMI entha untadi ani sava laksha questions vesi chi denamma loan ki enduku apply chesam ra anna feeling teppisthadu..

 

Malla prev loans unte loan eligibility criteria ki nen eligible aa kada.na pindakoodu na shardham..Malla dennni substantiate cheyadaniki Experian/Transunion Credit report, Inka GPA registrar office ki velli validate chepinchi, approve chepinchukoni ochi, Malla registrar office lo loan lo 5% emo registraion chepinchukoni..

 

Registration office lo pani kavali ante broker ki paisalu ivvali..ivvakapothe eppudu pani aythadi devudike teliyali..First emo GPA loan process em halt cheyadu annadu..Monna antunadu GPA approve avvanidi nen mee loan process start cheyalenu ani..First cheppali kada..monna call chesthe kaani cheppatledu aa vishayam...Alanti manshulani ni organizations lo pettukuntunaru..Mana dourbhagyam..

 

Ivi common man kastalu..And u are saying it's relatively easy to get a loan in INDIA ani..Nu apply chesi reality lo chusthe telsedi..Enni issues untayo ani...NRI's ke intha scene chesthe..iga ikkada common man sangathi endo..Iche 10 laks ki with an annual salary around $100k ki intha scene chesthunaru..Last 4-5 years ki regular ga payroll run avthundi..W-2 forms 2 years vi submit chesa...

 

Loan eggotali ante ela aina eggodtharu..Streamlining the process should be efficient man..Edo anni verify chesthunama loan isthunama ani kadu..

 

P.S Nen apply chesindi private bank lo..Inka government banks lo apply chestheee..Eppudo osthado loan aa devudike teliyali..

 

neeku evado A class item gadu tagilinattu unnadu ga ...

 

actually ninna nenu na cousin vellam to take delivery of his punto , ma vadni loan raavataniki entha time pattindi antey 3 days annadu , i was kinda surprised too , car was abt 8.5lakhs anta he applied for 5lakhs loan ... 

 

and coming to my case , ma cars anni loan paina ne unnay ( ofcourse nenu ah loans gurinchi tiragaledu so i dont have an idea about it ) .. never heard any such stories at home so im guessing it wasnt a big hassle ...

[Comfort]

Just statements nen kuda make chestha baa..Undi pani chesthunte, thiruguthu unte telusthadi aa pain..Denamma thirigi thirigi oka 2 days sunstroke ochi addam paddanu...

power of attorney iccha maa nanna ki papam entha kastapaddaroo :(

[ronitreddy]

neeku evado A class item gadu tagilinattu unnadu ga ...

 

actually ninna nenu na cousin vellam to take delivery of his punto , ma vadni loan raavataniki entha time pattindi antey 3 days annadu , i was kinda surprised too , car was abt 8.5lakhs anta he applied for 5lakhs loan ... 

 

and coming to my case , ma cars anni loan paina ne unnay ( ofcourse nenu ah loans gurinchi tiragaledu so i dont have an idea about it ) .. never heard any such stories at home so im guessing it wasnt a big hassle ...

Never think so..It was always a pain in the ass to get a loan  in INDIA unless you have someone/a PA who can take care of things on behalf of you.

 

Lekapothe common man koncham atu itu ive kastalu face cheyali..Andaru item galle...That's a fact..

[ronitreddy]

power of attorney iccha maa nanna ki papam entha kastapaddaroo :(

Nen GPA amma ki ocha..Jeevitham entha thiriga asalu..Daivudaaa..Asalu INDIA ki janalu enduku raaru antaru US nundi ani appudu ardam ayindi..

 

No one is happy with the system..Inka maaradu kuda..

[donganaaK]

Never think so..It was always a pain in the ass to get a loan  in INDIA unless you have a PA who can take care of things on behalf of you..

 

Lekapothe common man koncham atu itu ive kastalu face cheyali..Andaru item galle...That's a fact..

 

lol malli same point ki ochav ... nenu specific ga car loan gurinchi chepthunna and heard it first hand from my cousin just yestdy .... paina mahesh_fan ki HDFC lo evaro telsu annadu ga ask him if u want some help with it ...

 

also , india lo ee process ni streamline cheytam its not as easy as u think , Unless we have a system like SSN in the US ( already unnay kaani the're not really efficient ) ... thats the reason why the banks tread carefully while giving out loans to people ...

[ronitreddy]

lol malli same point ki ochav ... nenu specific ga car loan gurinchi chepthunna and heard it first hand from my cousins mouth just yestdy .... paina mahesh_fan ki HDFC lo evaro telsu annadu ga ask him if u want some help with it ...

 

also , india lo ee process ni streamline cheytam its not as easy as u think , Unless we have a system like SSN in the US ( already unnay kaani the're not really efficient ) ... thats reason why the banks tread extra carefully while giving out loans to people ...

bro malli nen ade chepthuna..ee loan aina ade process undi chasthadi..alane champutharu ani..oka car loan koncham easy annatu kadu antuna..

 

Hope you get it..

 

Help enduku bro..babai SBI AGM ..aina chepthe 1 day lo approve ayyedi ..Inni hassles undevi kaavu ...kani nene cheskundam naa pani annatu start chesa..Chukkalu chupincharu yedavalu..

 

 

Just think about a situation where  I have applied for an auto loan in US just by filling out the application from INDIA.They just asked me to upload a copy of my car title and my most recent pay stub..And my loan with DCU got approved right away and cheque is on its way..

 

Efficient kanappudu alane untadi bro INDIA inka..Inka 100 years aina kuda bagupadadu mari..As simple as that..

[donganaaK]

bro malli nen ade chepthuna..ee loan aina ade process undi chasthadi..alane champutharu ani..oka car loan koncham easy annatu kadu antuna..

 

Hope you get it..

 

Help enduku bro..babai SBI AGM ..aina unna kuda ...nene cheskundam naa pani annatu start chesa..Chukkalu chupincharu yedavalu..

 

 

Think about a situation where I have applied for an auto loan in USA just by filling out the application from here.They just asked me to upload car title and my most recent pay stub..And my loan with DCU got approved and cheque is on its way..

 

Efficient kanappudu alane untadi bro INDIA inka..Inka 100 years aina kuda bagupadadu mari..As simple as that..

 

malli India ki US ki comparision enti man ,..... it has always been like that in india , things are definitely far better now compared to about 5-10 years ago , it'll definitely get better but not at the rate with which u expect it to be  , its just that i get annoyed at people who compare India to the US and whine about everything that happens in india ...

 

US lo loan raavatam antha easy aithe mari DCU lo personal loan appy chesi ah money tho india lo car konalsindi ga , instead of whining so much about how pathetic india is .... neeku APR kuda takkuva padthadi ..

[micxas]

LOL...I applied for a car loan a week ago..still not yet approved..Doesn't matter what loan you apply, still you land into so many troubles..

Let me tell you about my experience that I have been facing from the past 10 days..Monna call chesi bank vadini emaindi 2 days lo aypothadi annav kada ante ..vaadu antadu meeru interest leru ani nenu mee FILE pakkana pettanu sir anta..I was like WTF, antha time spend chesi anni docs ichi signatures chesi unte..Meeku interest ledemo ante manaki ela untadi..I just asked him..Isn't it your responsibility to act upon my loan application wisely ani..Ayna antadu correct ee sir, meeru oksari anni docs ichaka maaku roju call chesi Good Morning/Good night cheppali sarasalu aadali ani..Does it make any sense man? Ante manam just apply chesi loan docs isthe saripodu..Roju follow up cheyali..Idi INDIA paristhithi..

30 pages signatures tiskunnadu...Anni photo copies tiskunnadu,Na properties, Na most recent pay stubs, Na current employment status, Na prev employment, Prev EVL, Current EVL, Bank statements, India Bank Statements(enni unte anni), Employee identification number, Malla bank vadu maa HR ki email pedithe vaadu reply ichaka, Maa company gurinchi verification chestharu anta bank vallu..Idantha ayyaka, bank vadu oka 3rd party ki mana house verification ki pampisthadu..vadu na current address ki ochi, nijanga flat unda leda, evarevaru untaru intlo, flat loan mida unda, unte entha undi, eppudu aypothadi, EMI entha untadi ani sava laksha questions vesi chi denamma loan ki enduku apply chesam ra anna feeling teppisthadu..

Malla prev loans unte loan eligibility criteria ki nen eligible aa kada.na pindakoodu na shardham..Malla dennni substantiate cheyadaniki Experian/Transunion Credit report, Inka GPA registrar office ki velli validate chepinchi, approve chepinchukoni ochi, Malla registrar office lo loan lo 5% of the amount stamp paper emo registraion chepinchukoni..adi oka process..

Registration office lo pani kavali ante broker ki paisalu ivvali..ivvakapothe eppudu pani aythadi devudike teliyali..First emo GPA, loan process ni em halt cheyadu annadu..Monna antunadu GPA approve avvanidi nen mee loan process start cheyalenu ani..First cheppali kada..monna call chesthe kaani cheppatledu aa vishayam...Alanti manshulani ni organizations lo pettukuntunaru..Mana dourbhagyam..

Ivi common man kastalu..And u are saying it's relatively easy to get a loan in INDIA ani..Nu apply chesi reality lo chusthe telsedi..Enni issues untayo ani...NRI's ke intha scene chesthe..iga ikkada common man sangathi endo..Iche 10 laks ki with an annual salary around $100k ki intha scene chesthunaru..Last 4-5 years ki regular ga payroll run avthundi..W-2 forms 2 years vi submit chesa...

Inkoti highlight enti ante, na passport already photocopies unnayi avi submit chesa loan apply chesetappu...vadu antadu monna ochinappudu INDIA ki aa IMMIGRATION stamp ledu sir, adi kuda xerox tiskoni randi anta...Vammoooo..Intha scene unte asalu nenu loan ee apply cheyakapothundeee..

Loan eggotali ante ela aina eggodtharu..Streamlining the process should be efficient man..Edo anni verify chesthunama loan isthunama ani kadu..

P.S Nen apply chesindi private bank lo..Inka government banks lo apply chestheee..Eppudo osthado loan aa devudike teliyali..Anthakmundu home loan ki kuda inthe sampinruuuu..Kakapothe appudu nen daggara undi cheyinchaledu..Eesari self chesthuna..Picha na kodukulu.. RIP Indian system man..

:(

[missionxp]

Thread starter inka lite thiskoni untadu

[ALFANI]

Vammo endi sami ela type cheystaru anneysi paraalu... :surprised-038:

[Paddy]

bhayya indialo car loan interest is around 10% and more. If possible i suggest you take a loan here and buy the car in india if you getting a personal loan around 7.5%. malli too much documentation and process untadi vadini bathimiladuthu undaali manaki edo favour chestunaatu.