Tata Vista Tech Car Loan EMI Calculator

₹ 10,230.
Here is how - Tata Vista Tech price starts from ₹ 6,09,345 in Bangalore. If you pay a down payment of ₹ 1,04,832 for a 5-year loan available at 8% interest rate, your EMI amount will be ₹ 10,230.

The cheapest Vista Tech model is LS BS III which is priced at ₹ 6,09,345 in Bangalore. You will need to pay at least a ₹ 1,04,832 down payment to buy this model.

Note: Down payment is the amount you would pay upfront to buy your car. Bank give you a loan for the remaining amount.

Here is a model wise list of max loan amount for Vista Tech.

Version	On-road price in Bangalore	Max Loan
LS BS III	₹ 6,09,345	₹ 5,04,513
LX BS III	₹ 6,63,983	₹ 5,50,390
VX BS IV	₹ 7,48,084	₹ 6,21,007
LS BS IV	₹ 6,62,199	₹ 5,48,892

As a thumb rule, you can get a maximun loan of up to 100% of the ex-showroom price.

Good Practice will be to chose the shortest possible tenure for which you can afford an EMI amount.

• 1. If you select a higher tenure loan, let's say 7 years, your EMI for Vista Tech LS BS III will be ₹ 9,497 but you will have to pay interest of ₹ 2,93,235 over the period of 7 years.
• 2. If you select a lower tenure loan, let's say 3 years, your EMI amount will be higher at ₹ 19,095, but your interest payment will be only ₹ 1,82,907 over the 3 years period.

₹ 10,230
Tata Vista Tech price starts from ₹ 6,09,345 in Bangalore.

We have considered
Down-payement : ₹ 1,04,832
Tenure : 5 years
Interest Rate : 8%

You will need to fulfill the following 2 criteria to buy Vista Tech with a loan

• 1. Age should be above 21
• 2. Your annual income should be above ₹ 2,04,000

As a general rule, banks or other lenders offer you a car loan 3 to 4 times your annual income. Considering the on-road price of Vista Tech starts from ₹ 6.09 Lakh, you can get a loan with an annual income as low as ₹ 2.04 lakh.

Here are the most important things you should consider while getting a car loan for a new Vista Tech

• 1. Interest rate - Go for the loan with the lowest interest rate.
• 2. Additional Charges - processing fee, prepayment charges, late payment penalty are some of the important points you need to check before taking a loan.
• 3. Tenue and Max Loan Amount - Select a lender who gives you a loan that you can afford.
  -If Max loan amount is lower, you will have to shell out more money upfront to buy the car.
  -If Tenue is lower, your per month instalment amount will increase.
• 4. Eligibility - Banks may have stricter eligibility requirements compared to NBFCs or other financial institutions.