Maruti Suzuki Swift Dzire [2015-2017] Car Loan EMI Calculator

₹ 11,066.
Here is how - Maruti Suzuki Swift Dzire [2015-2017] price starts from ₹ 6,15,327 in Navi Mumbai. If you pay a down payment of ₹ 69,574 for a 5-year loan available at 8% interest rate, your EMI amount will be ₹ 11,066.

The cheapest Swift Dzire [2015-2017] model is LXI which is priced at ₹ 6,15,327 in Navi Mumbai. You will need to pay at least a ₹ 69,574 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 Swift Dzire [2015-2017].

Version	On-road price in Navi Mumbai	Max Loan
LXI	₹ 6,15,327	₹ 5,45,753
LXI (O)	₹ 6,18,651	₹ 5,49,837
VXI	₹ 6,96,271	₹ 6,19,286
ZXI	₹ 8,04,829	₹ 7,16,415
LDI	₹ 7,76,473	₹ 6,78,657
VDI	₹ 8,29,830	₹ 7,25,541
ZDI	₹ 9,40,291	₹ 8,22,602
VXI AT	₹ 7,88,732	₹ 7,02,012
VXI AT ABS	₹ 8,11,990	₹ 7,22,822
LXI ABS	₹ 6,41,914	₹ 5,70,650
LDI ABS	₹ 8,00,466	₹ 6,99,739
VXI ABS	₹ 7,19,529	₹ 6,40,095
VDi ABS	₹ 8,44,224	₹ 7,38,189
ZDI AMT	₹ 9,99,079	₹ 8,74,258

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 Swift Dzire [2015-2017] LXI will be ₹ 9,591 but you will have to pay interest of ₹ 2,59,891 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 ₹ 19,282, but your interest payment will be only ₹ 1,48,399 over the 3 years period.

₹ 11,066
Maruti Suzuki Swift Dzire [2015-2017] price starts from ₹ 6,15,327 in Navi Mumbai.

We have considered
Down-payement : ₹ 69,574
Tenure : 5 years
Interest Rate : 8%

You will need to fulfill the following 2 criteria to buy Swift Dzire [2015-2017] with a loan

• 1. Age should be above 21
• 2. Your annual income should be above ₹ 2,06,000

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 Swift Dzire [2015-2017] starts from ₹ 6.15 Lakh, you can get a loan with an annual income as low as ₹ 2.06 lakh.

Here are the most important things you should consider while getting a car loan for a new Swift Dzire [2015-2017]

• 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.