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Car loans are usually given at 85% of the car value and your repayment capacity will also be checked to decide on the loan amount that you’ll be able to get. It is advised to customers that they restrict their car loans to not more than 20 percent of their monthly income. For example, if you make Rs. 40,000 per month, your monthly car loan EMI should not exceed Rs. 8,000.
But the criteria for getting a loan also depends on the creditworthiness of the customer. Lenders will be willing to provide you high loan amounts at low interest rates if you have a good credit score. So if you have any negative account, where you have unpaid dues to be paid off, it is better to resolve all your issues before availing the loan. Lenders may reject your loan application once they know you still have pending dues to pay off.