Audi A4 Car Loan EMI Calculator

₹ 88,912.
Here is how - Audi A4 price starts from ₹ 52,38,350 in Mumbai. If you pay a down payment of ₹ 8,53,350 for a 5-year loan available at 8% interest rate, your EMI amount will be ₹ 88,912.

The cheapest A4 model is Premium 40 TFSI which is priced at ₹ 52,38,350 in Mumbai. You will need to pay at least a ₹ 8,53,350 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 A4.

Version	On-road price in Mumbai	Max Loan
Premium Plus 40 TFSI	₹ 57,36,800	₹ 48,07,000
Premium 40 TFSI	₹ 52,38,350	₹ 43,85,000
Technology 40 TFSI	₹ 61,83,280	₹ 51,85,000

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 A4 Premium 40 TFSI will be ₹ 81,646 but you will have to pay interest of ₹ 24,73,264 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 ₹ 1,64,151, but your interest payment will be only ₹ 15,24,436 over the 3 years period.

₹ 88,912
Audi A4 price starts from ₹ 52,38,350 in Mumbai.

We have considered
Down-payement : ₹ 8,53,350
Tenure : 5 years
Interest Rate : 8%

You will need to fulfill the following 2 criteria to buy A4 with a loan

• 1. Age should be above 21
• 2. Your annual income should be above ₹ 17,47,000

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 A4 starts from ₹ 52.38 Lakh, you can get a loan with an annual income as low as ₹ 17.47 lakh.

Here are the most important things you should consider while getting a car loan for a new A4

• 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.