If you are thinking about how to take Personal Loan Online somewhere, then read this post with full carefully in which we have provided all the information to you. You get other loans easily instead of an object, but to get a personal loan, you get a loan without mortgaging any of your precious disciplines, let’s know how to know –
What is Personal Loan ?
First of all, you should know what is a personal loan? Personal loan is a UNSECURED loan in which you do not have to give any guarantee or property. You only get money from your government ID, but this loan is not easily available. For this, you can go through many processes, you can use personal loan for them.
For medical expenses
- For marriage or travel
- House repair
- For any other personal need
Important things important to take Personal Loan
If you are taking a loan, then it is very important to take care of a lot of things, whether you are eligible to take this loan or not! You also have to see this because a lot of people do not look at their conditions before taking the loan and apply for the loan, after which their request is rejected and the loan is not approval, so we are already telling you some necessary things in advance.
Eligibility For Personal Loan Online (Eligibility)
- If you are taking a personal loan, then you should be at least 21 years of age and should not be more than 60 years.
- You are currently doing a government or private job and if you are earning money, then you have to apply
- CIBIL Score should be good. A good CIBIL score 700 is considered good. If your CIBIL score below it, you get a chance to get a loan.
- Your minimum monthly income should be ₹ 15,000 to ₹ 25,000 month and there should be any proof that you can prove that you are earning so much money by working.
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Necessary documents
- You should have your own Aadhaar card, PAN card
- Electricity bill, voter ID is required for Address Proof
- Income Proof: You are doing a bank statement / salary receipt or any other proof for this you are doing private or government jobs.
- Passport Size Photo
Where can you take Personal Loan ?
👉 From bank
- You can also contact direct bank for personal loan, in which you can choose SBI, HDFC, ICICI, AXIS, Kotak etc.
- If you take a loan from the bank, then you may get to see the interest rate: 10% – 18% annually. It can be more or less. You should contact the bank for complete information.
👉 NBFCs (without more documentation)
- Some such private company also provides you personal loans like Bajaj Finserv, Tata Capital, Moneytap etc. You can also apply through them because here you can get a loan soon compared to the bank.
- The process of giving a loan is fast
👉 Through online app
- There are also some apps available which give you a personal loan directly, including Paysense, Navi, Kreditbee, Earlysalary, True Balance etc. You can also apply for loan and directly get the loan amount in your bank account through them.
- Beware of fake apps – Before a loan from private app, definitely see if he is registered with RBI or not. Apply only for a loan from the company registered with RBI, otherwise you may be fraudulently with you
FAQ
Q. How to take Personal Lone ?
- You can take through personal loan bank or through private company.
Q. What is the interest rate of personal loan ?
- The interest rate of personal loan is different from the bank, you can get to see 10% to 18% annually.
Q. Can you take personal loans from mobile apps ?
- Yes, some can be taken from apps but most of the mobile applications are fake, it is not appropriate to take a loan from them, so you should take a loan from the bank or take a loan from the company registered with RBI.
Q. What will happen if I do not give installment of personal loan in time ?
- If you do not give the loan installation on time, then the bank gives you notice after that legal action can be taken by the bank.
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