What Are the Factors That Affect Bike Loan Interest Rates?

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  • 1 Years ago
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Factors Affecting Bike Loan's Interest Rate

Planning to get a two-wheeler?

Have you always thought about owning a two-wheeler? The first stage in acquiring a two-wheeler is to determine what type of bike you can afford. You might fantasize about owning the most expensive bike in the world, but it is best to figure out a price that works for both your bike and your wallet. Calculate the monthly Bike loan EMI, down payment amount, bike loan interest rate, and loan duration to arrive at this conclusion.

When looking for bikes, don't be discouraged if you see an outrageous price tag and decide not to buy your ideal bike. Two-wheeler loans accommodate clients of all ages by allowing them to make only a small down payment upfront, with the rest of the loan paid in Equated Monthly Installments (EMIs).

What is a two-wheeler loan?

Are you planning to buy your dream bike in the coming month, and you do not have enough cash to purchase the bike upfront? Then, A two-wheeler loan is a simple, hassle-free way to finance the purchase of your preferred two-wheeler. The loan amount, and any applicable interest, can be repaid over a certain period in Equal Monthly Installment payments or EMIs. Both salaried and self-employed persons can get a bike loan.

Factors that affect my two-wheeler loan interest rate

For many people, purchasing a two-wheeler is a dream come true. After passing through many phases of life, you will reach the place where you can fulfill the dream of owning a two-wheeler. But at the same time, when you'are going to get a bike on loan, several considerations come into play.

Let us discuss some of the factors that may affect your two-wheeler loan interest. 

  • Credit score/CIBIL score

A lender's primary factor for determining the amount of interest in which you may get a two-wheeler loan is generally based on your credit history. Before your loan is approved, your lender will look at your CIBIL score, previous loans, and repayment plan.

You will be able to negotiate a reduced interest rate on your two-wheeler loan if you have a good CIBIL score, which indicates your creditworthiness.

  • Salary/Income source

Lenders approve loans under several factors. If you are a salaried employee, it is easy to get your loan approved, and it will determine the amount you repay as EMIs. Your salary is also a consideration to get the low-interest rates. Lenders may be concerned about you paying your EMIs if your debt-to-income ratio is too high, and they may seek to mitigate their risks by providing you with higher interest rates. 

  • Down payment

The amount you can afford to pay, excluding the loan amount on the day of purchase, is known as a down payment. As a result, if your payment covers up to 50 to 70% of the cost of your chosen vehicle, the loan amount you need from your lender will be smaller, and your lender will be more likely to offer you cheaper interest rates. If you want 100% financing for your two-wheeler, the lender is more likely to negotiate a higher loan interest rate. 

  • Residence

Your place of residence determines your debt to income ratio. Therefore, it plays a significant role in establishing interest rates on your two-wheeler loan. If you live in a metropolitan city, like Delhi or Hyderabad, your living expenditures are likely to be greater than a Tier Two city; as a result, your earnings must be significantly higher to be able to repay your two-wheeler loan. 

  • Two-wheeler model

The type and model of the car you want to buy will also have a big impact on the interest rates you'll be offered on the financing you get from your lender. In many situations, the car serves as collateral during the loan term, and if you default on the loan, the lender will try to recoup their losses by selling it. As a result, popular two-wheeler models generally have lower loan rates since their resale value is considerably higher. 

  • Your age

Your age has a significant impact on the interest rate you pay. If you are a person who will retire very soon, for example, your loan may cost you extra. It is because as you get closer to retirement age, your ability to repay a debt decreases. These are the factors that determine your two-wheeler loan interest rate. 

How to lower the interest rate on a two-wheeler loan

When applying for a loan, your goal should be to receive the best rate feasible. Here are a few suggestions to assist you to achieve a cheaper interest rate:

  1. Maintaining a good credit/CIBIL score: Because your credit score is so important in deciding the interest rate you're offered, you should start by cleaning up your credit history. If you don't have decent credit, work on improving it before applying.
  2. Check your debt-to-income ratio to see how you may improve your current financial situation. This portrays how much of your current income goes toward loan and credit card repayment. Reduce your debt-to-income ratio by paying off current loans. The smaller the ratio, the more likely you are to receive favorable rates.
  3. Negotiation: Negotiating with your lender can sometimes result in lower rates. This is especially useful if you don't meet all of the eligibility requirements. If you do not have enough money but expecting a raise, showing documentation of this might help you acquire better credit rates.

Which is better: a variable interest rate or a stable interest rate?

When applying for a bike loan, your lender may give you the choice of choosing between a variable and a fixed interest rate. Then, based on your requirement, you should pick one of the options. The risk level associated with each rate determines whether to use a fixed rate or a variable rate.

Variable interest rates are often higher than fixed interest rates. Fixed rates, on the other hand, stay consistent even when market rates fluctuate. For example, if you choose a fixed rate of 11% p.a., it will remain constant regardless of what happens.

Variable interest rates will be fluctuating with the market condition. When the RBI changes the repo rate, the rates related to MCLR (Marginal Cost of Funds based Lending Rate) fluctuate as well.

As a result, the interest rate may rise or fall over time. Variable interest rates, on the other hand, are often lower than fixed interest rates. As a result, most borrowers choose variable rates.

Loan eligibility criteria

Check your two-wheeler loan eligibility criteria here. The following are the two-wheeler loan qualifying conditions for salaried and self-employed persons.

  •  Age

The person who is applying for the loan must be between 21 and 60 years. Also, if a person is applying for the loan when his retirement is near, he may be charged with higher interest rates. 

  • Residence 

The individual applying for a loan must have lived in the area for at least one year. However, in the case of a superbike loan, the home must be self-owned. It makes no difference whether the home is rented or owned when it comes to regular motorcycles. 

  • Current employment status 

The lender will look into your employment history; if you want a regular motorbike, you must have worked for at least one year at the firm you specified, and if you want a superbike, you must have worked for at least two years. 

  • Income

If you want to take out a superbike loan, your annual income should be at least 15 lakhs for salaried people and at least 5 lakhs per month for a self-employed individual. While buying a normal motorcycle, income doesn’t come into consideration.

Now that you have understood more about the two-wheeler loan, its eligibility criteria, and the factors that affect the loan interest rate, you are all set to start that ride.

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  • Sep 06 2021
  • |
  • Fixed Deposit

Current Fixed Deposit Interest Rates - 2021

  • Oct 25 2021
  • |
  • Fixed Deposit

How can Students Apply for Two-Wheeler Loans in India?

  • Dec 01 2021
  • |
  • Two Wheeler Loans

Important Things to Keep in Mind While Applying for a Gold Loan

  • Dec 06 2021
  • |
  • Gold Loan

Overcome these common challenges while applying for a business loan online

  • Dec 07 2021
  • |
  • Business Loans

Why are SME Loans Crucial for Your Company's Growth?

  • Jan 20 2022
  • |
  • Business Loans

MSME Loans & Its Importance

  • Aug 25 2020
  • |
  • Business Loans

Repayment of Gold Loan

  • May 10 2021
  • |
  • Gold Loan

Safe Investments With High Returns In India

  • May 03 2021
  • |
  • Fixed Deposit

Is a PAN card mandatory for a gold loan

  • May 05 2021
  • |
  • Gold Loan

How You Can Pick The Best Business Loan

  • May 14 2021
  • |
  • Business Loans

Why Fixed Deposits - An ideal Investment Option for Beginners

  • May 19 2021
  • |
  • Fixed Deposit

Benefits of Taking Loan for Two Wheeler

  • May 22 2021
  • |
  • Two Wheeler Loans

What are the Alternatives for a Business Loan?

  • Jun 16 2021
  • |
  • Business Loans

The 5 Biggest Mistakes to Avoid When Getting a Business Loan

  • Jun 17 2021
  • |
  • Business Loans

Is It Possible For a Single Customer in Shriram City to Invest in Both FDs and RDs From the Same Account?

  • Jul 21 2021
  • |
  • Recurring Deposit

Reasons and Benefits of Owning a Two Wheeler in City

  • Jul 28 2021
  • |
  • Two Wheeler Loans

What are the Opportunities for AI in the Financial Sector?

  • Aug 17 2021
  • |
  • Loans

Why Shriram City Union Finance Fixed Deposits Should Be Your Preferred Investment Option

  • Sep 04 2021
  • |
  • Fixed Deposit

Comparing Other Investments methods to Fixed Deposits

  • Oct 22 2021
  • |
  • Fixed Deposit

Comparing Two Wheeler Loan Rates : Key Points to Consider

  • Oct 27 2021
  • |
  • Two Wheeler Loans

Best Gold Loan Tips You Will Read This Year

  • Jan 21 2022
  • |
  • Gold Loan

11 Ways to Completely maximise your business with the help of Shriram city business Loan

  • Feb 02 2022
  • |
  • Business Loans

Why It's Easier to Succeed With business Loan Than You Might Think?

  • Feb 09 2022
  • |
  • Business Loans

Is a Guarantor or Introducer Necessary for Availing a Gold Loan?

  • Apr 13 2021
  • |
  • Gold Loan

How to Save Money in Fixed Deposit?

  • Apr 28 2021
  • |
  • Fixed Deposit

Does Shriram City provide an EMI calculator?

  • May 13 2021
  • |
  • Business Loans

NBFC vs Bank: What makes NBFC better than banks

  • May 24 2021
  • |
  • Two Wheeler Loans

How to Fulfill your Dreams of Success with Business Loan

  • Jun 23 2021
  • |
  • Business Loans

How to keep your FD money safe through the best investment ideas

  • Sep 07 2021
  • |
  • Fixed Deposit

How to Plan and Save for a Baby: A blog on how to save for a baby's future

  • Sep 07 2021
  • |
  • Fixed Deposit

Choosing the Right NBFC for Your FD: A blog discussing how to choose the best NBFC's for FD

  • Sep 08 2021
  • |
  • Fixed Deposit

How to Save Money on your Budget | How to Build Financial Capital in a Small Town

  • Sep 09 2021
  • |
  • Fixed Deposit

How to choose your business loan online based on interest rates

  • Dec 07 2021
  • |
  • Business Loans

How Are NBFCs Keeping up with the Gold Demand Surge?

  • Dec 10 2021
  • |
  • Gold Loan

Type of Fixed deposits you should buy before you retire

  • Jan 25 2022
  • |
  • Fixed Deposit

How to Explain Fixed Deposits to Millennials?

  • Feb 07 2022
  • |
  • Fixed Deposit

10 Reasons As To Why You Should Take A Two Wheeler Loan

  • Feb 07 2022
  • |
  • Two Wheeler Loans

Gold Loan: Expectations Vs. Reality

  • Feb 08 2022
  • |
  • Gold Loan

Gold Loan Eligibility – Everything You Need to Know

  • Apr 27 2021
  • |
  • Gold Loan

Invest in Fixed Deposits: Safest and Secure way to get higher returns

  • May 04 2021
  • |
  • Fixed Deposit

Get a fixed deposit with Shriram City & boost your savings today

  • May 07 2021
  • |
  • Fixed Deposit

Easy ways to repay the Loan against Jewellery

  • May 12 2021
  • |
  • Gold Loan

Benefits of Availing Two Wheeler loan with Shriramcity

  • Sep 08 2021
  • |
  • Two Wheeler Loans

Understanding Principal And Tenure Of An SME Loan

  • Oct 19 2021
  • |
  • Business Loans

What is the Importance of a Fixed Deposit on Your Financial Portfolio?

  • Oct 23 2021
  • |
  • Fixed Deposit

How To Evaluate Interest Rates And EMIs For Two Wheeler Loans

  • Oct 26 2021
  • |
  • Two Wheeler Loans

Is investing in Corporate FDs a good option to build your corpus?

  • Nov 25 2021
  • |
  • Fixed Deposit

How to Buy Gold Loans on a Low Budget

  • Jan 21 2022
  • |
  • Gold Loan

Business loans: Expectation vs Reality

  • Feb 09 2022
  • |
  • Business Loans

Shriram City: One stop solution for the needs of MSMEs

  • Jun 18 2021
  • |
  • Business Loans

What is your money worth: A blog about understanding FDs and how you can make the most of them

  • Sep 03 2021
  • |
  • Fixed Deposit

How Does My Personal Credit Affect My SME Loan?

  • Oct 19 2021
  • |
  • Business Loans

The Smoothest Way to Apply for Two-Wheeler Loans

  • Oct 27 2021
  • |
  • Two Wheeler Loans

How can students save money every month and get the highest return?

  • Dec 09 2021
  • |
  • Recurring Deposit

Which Fixed-Income Investment Is Best for You Is Determined by Your Time Scale

  • Jan 25 2022
  • |
  • Fixed Deposit

Tax Indemnity for Two Wheeler Loans

  • Oct 19 2021
  • |
  • Two Wheeler Loans

How Does An SME Loan Help In Business Growth And Expansion

  • Oct 25 2021
  • |
  • Business Loans

Extensive Guide for Choosing a Fixed Deposit with the Best Interest Rates

  • Nov 27 2021
  • |
  • Fixed Deposit

Two Wheeler Loan: Know all about Two Wheeler Loan

  • Aug 24 2020
  • |
  • Two Wheeler Loans

Bike Buying Guide: Factors to Consider While Buying Bike

  • Feb 27 2021
  • |
  • Two Wheeler Loans