Koi bhi app se personal loan kaise le
HELLO EVERYONE ! Aap sabhi ka Saddam technhical mei swagat h . Iss article mei hum aapko btayege ki Koi bhu 1 app se personal loan kaise le . Iss baare mei internet mei bhtt saare tarike diye hue h , unmei se 1 tarika ye bhi h . so bina tme waste kiye iss baare mei jaante h .
PERSONAL LOAN ;
Personal loan ek un-secured loan h , yaani ye loan lene ke liye application ka koi guaranterr / security jama krne ya kuch girwi rkhne ki jrurat nhi hoti h . Bank or NBFC jyadatar ye loan 1 se 5 saal tk ki awidhi ke liye pardan krte h . Medical emergency ho ya shadi or travel ka kharch , iss loan ka use kisi v tarah ki financial need ko pura krne ke liye kiya jata h . iss article mei hum baat krege ki personal loan kaise milega , konsa bank sbse sasta personal loan de rha h or best personal loan offer konse h .
Personal loan ki fees or charges ;
Jyadatar personal loan ki fees or charges bank / NBFC or application ki credit profile ke aadhar pr alg alg ho skte h niche personal loan ki fees or charges ke baare mei btaya gya h ;
Fees 1. loan processing fees . 2. pre-payment /part payment / for closer charges . 3. loan cancelation . 4. pinel charges . 5. EMI/ check bounce .
Charges 1. loan amount a 0.5% se 4% . 2. Floting rate ke liye -0 , fixed rate ke liye usually on the principal outstanding amount approximately 2%- 5% 3. 3000 ke karib . 4. usually per month 2% or 24% par year . 5. something 400 per month bounce .
Iske alawa bank/ NBFC documentation charges , verification charges , duplicate statement charges or NOC or certificate charges jaise charges wasool kr skte h .
Personal loan ke parkar ; 1. Instant personal loan . 2. Pre-approved personal loan . 3. Short term personal loan . 4. Consumer duorable loan . 5. Personal loan balance transfer . 6. Top-up personal loan . 7. Marriage loan . 8. Higher education loan . 9. Medical loan . 10. Home renovation loan . 11. Travel loan . Personal loan ke ye sb types h .
Personal loan ki yogyata shart ;
Personal loan lene ke liye aapko kuch term & condition ko manna hoga ;
- AGE appliciant ki minimum age 18 years or maximum age 60 years honi chahiye .
- CREDIT SCORE Credit score 750 ya usse jyada hona chahiye , qki isse loan pr approval milne ki sambhavna adhik ho jati h .
- SALLERY Unemployed logo ki minimum sallery 15000 per month honi chahiye .
- INCOME Non-employed logo ki income kam se kam 5 lakh per year honi chahiye .
- WORK EXPERIENCE Unemployed logo ka total work experience 1 years tk hona chahiye , jbki kuch loan institution isse adhik ka work experience maangte h .
- BUSINESS CONTINUITY Non-employed profetional kam se kam 3 years se business chla rhe ho , kuch loan institution isse adhik avidhi ke liye maang skte h ,
- ROJGAAR KE TYPES Loyal instituition , MNC , Private or public limited companiyo , government institute , PSU mei kam krne wle log .
Ye thi personal loan ki kuch terms & conditions , ab hum humlog documents ke baare mei baat krege .
Personal loan lene ke liye important documents
Personal loan ke apply ke liye jin documents ki jrurat hoti h , ve lagbhag sabhi bank or NBFC mei eksaman hote h , iss tarah ke documents ki jaankari niche di gyi h .
IDENTITY PROOF PAN card / voter ID / Aadhar card / passport / Driving license .
ADDRESS PROOF Bank account statement / Aadhar card / Property purchase agreement / Utility bill ( previous 3 month se purana nhi ) / passport /driving license .
INCOME PROOF EMPLOYED KE LIYE ; Sallery cilip / bank account statement / bank statement or balance sheet / form 16 .
UN-EMPLOYED KE LIYE ; Pichle saal ka income tax return / personal loan statement or balance sheet / Bank account statement .
BUISNESS PROOF ; Buisness incorporation certificate / Profational degree / Certificate of practice / Partnership agreement / GST Registration or filling document / MOA or AOA / shop act license .
To ye the jisse aap personal loan le skte h or unmei kya document or kyaa proof chahiye ye v btaya gya h .
THANKS FOR WATCHING .
