Maruti Suzuki Brezza Car Loan EMI Calculator

₹ 16,909.
Here is how - Maruti Suzuki Brezza price starts from ₹ 9,21,154 in Shimla. If you pay a down payment of ₹ 87,212 for a 5-year loan available at 8% interest rate, your EMI amount will be ₹ 16,909.

The cheapest Brezza model is LXi which is priced at ₹ 9,21,154 in Shimla. You will need to pay at least a ₹ 87,212 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 Brezza.

Version	On-road price in Shimla	Max Loan
LXi	₹ 9,21,154	₹ 8,33,942
VXi	₹ 10,66,921	₹ 9,69,442
ZXi	₹ 12,34,052	₹ 11,14,442
Vxi AT	₹ 12,28,623	₹ 11,09,442
Zxi Dual Tone	₹ 12,51,424	₹ 11,30,442
ZXi Plus	₹ 13,89,860	₹ 12,57,942
ZXi AT	₹ 13,86,060	₹ 12,54,442
Zxi Plus Dual Tone	₹ 14,07,232	₹ 12,73,942
Zxi AT Dual Tone	₹ 14,03,432	₹ 12,70,442
ZXi Plus AT	₹ 15,41,868	₹ 13,97,942
Zxi Plus AT Dual Tone	₹ 15,59,240	₹ 14,13,942
LXi S-CNG	₹ 10,23,352	₹ 9,28,942
VXi S-CNG	₹ 11,79,763	₹ 10,64,442
ZXi S-CNG	₹ 13,54,572	₹ 12,25,441
ZXi S-CNG Dual Tone	₹ 13,37,200	₹ 12,09,442

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 Brezza LXi will be ₹ 14,357 but you will have to pay interest of ₹ 3,72,046 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 ₹ 28,866, but your interest payment will be only ₹ 2,05,234 over the 3 years period.

₹ 16,909
Maruti Suzuki Brezza price starts from ₹ 9,21,154 in Shimla.

We have considered
Down-payement : ₹ 87,212
Tenure : 5 years
Interest Rate : 8%

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

• 1. Age should be above 21
• 2. Your annual income should be above ₹ 3,08,000

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 Brezza starts from ₹ 9.21 Lakh, you can get a loan with an annual income as low as ₹ 3.08 lakh.

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

• 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.