Personal Loan Anantnag

Best Banks for Personal Loan in Anantnag

Personal Loan in Anantnag Features

Do you need finance for the purchase of some personal necessities or luxuries? Do you need money for the renovation of the house? There is the best solution, you can avail of this personal loan. This loan is an instant loan that can be provided without any collateral or asset pledge and for your immediate needs.

Personal Loan Anantnag is an unsecured loan that provides financial aid to the customers at affordable interest rates. To get a Personal Loan, the applicant needs to have a solid and good source of income and has a good credit history.

Furthermore, there is no end-use restriction on the use or spending of the personal loan amount. You can use this loan amount anywhere you want to as your wish. Unlike a Home loan, there is no restriction of the loan amount to be spent on Home purchase only.

Personal Loan in Anantnag Interest Rates and Charges

To check Personal Loan Interest Rate for all major banks you can visit: Personal Loan Interest Rates

Personal Loan in Anantnag Documents Required

Salaried Customers:

1. Identity proof (Aadhar card/driving license)
2. Salary slips of last three months
3. Bank statements for the last 6 months
4. PAN Card
5. Residence Proof (Owned/Rented/Company provided)
6. Passport-sized photographs – 2

*NOTE: In case of rented apartments, rent agreement needs to be attached.

Self-Employed Customers:

1. All financials are required (Balance Sheet, P&L Statement as well as ITR files)
2. PAN Card
3. Aadhar Card
4. Residence Proof
5. Two passport-sized photographs

Personal Loan in Anantnag Eligibility Criteria

The Personal Loan Eligibility criteria for both Salaried and Self-Employed persons are different:

Salaried Applicants

1. The minimum age requirements of the individual should be 21 years and maximum up to 60 years.
2. The applicants must have the work experience of a minimum of three years. And the salary should be received in their bank accounts specifically only.
3. The applicants must have an undoubted credit history.
4. The job location of the applicant should be mentioned.
5.  A borrower should have a minimum income of INR 25,000 per month

Click here to know more about- Personal Loan Salaried Applicant

Self-Employed Applicants

1. The minimum age requirement for an independent person should be 25 years.
2. The applicants applying for the personal loan Anantnag should file ITR for the last three years.
3. If the applicants are the businessman, then the business should be running from the last three years.
4. The credit score of the individual applicants should be good .there should not be any debt or dues left for previous years.
5. The annual income of the applicants should be a minimum of Rs 2.5 lakh.
6. The whole documentation process of the personal loan Anantnag is the applicants have to submit his financial and his bank statement of the previous three months.

Click here to know more –Personal loan Self-employed Applicant

Why Apply for Personal Loan Anantnag?

1. There is no need to deposit any mortgage or pledge any collateral security to the bank.
2. A personal loan Anantnag is a multi-purpose offer loan. It can be used for all the expenses related to financing.
3. The amount of personal loan Anantnag depends upon the repayment of individual income and capacity.
4. A Personal Loan Anantnag does not require any guarantor or nominee.

How to apply for Personal Loan Anantnag?

1. Visit www.dialabank.com.
2. Go to the loan section and make a click on the personal loan link.
3. The applicant will be presented to all details of the personal loan where they can choose their preferred city.
4. For any information and free guidance, you may call on 9878981166.

Processing Fee / Prepayment Charges on Personal Loan Anantnag

Every Bank and NBFC charges a fee for processing your Personal Loan Anantnag application. These charges vary between 1.5% to 2.5% of the sanctioned loan amount for a personal loan.

In case you wish to foreclose your loan before the agreed loan tenure, every lending institution charges you a penal prepayment fee. In most cases, you cannot close or end your loan before 12 months or a year. Post that the charges vary depending on how many years the loan has done or how long is the period of personal loan. These charges vary from 4% of the outstanding Personal loan Anantnag amount in the 2nd year to 2% in the 4th year of the loan.

Personal Loan Anantnag EMI Calculator

Equated Monthly Installments also know as EMI are the monthly fixed charges that you pay to the bank as monthly repayment for the personal loan amount borrowed.  Based on your profile, the interest rate on your personal loan Anantnag is determined. Your EMI is calculated using personal loan EMI calculator basis the Interest Rate you are charged by the bank and the amount of Personal loan Anantnag you have to take and the period for which you enjoy the loan.

CIBIL Score required for Personal Loan Anantnag

Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan application in Anantnag. Most institutions require a minimum score of 750 to process your loan application immediately.

The institutions don’t just look at the overall score but also the detailed behaviour on the previous any loans are taken. This includes details on the type of loan taken and the amount borrowed for any loan. Any delayed payments for previous loans can act as a barrier or hurdle to your availing a fresh loan.

Personal Loan in Anantnag Agent and Contact Number

Dialabank is the leading agent for availing Personal Loan Anantnag. You can apply online click on www.dialabank.com or give a call at 9878981166

Dialabank helps you to find the best option of Banks and NBFCs by providing you with a detailed market comparison of different banks so that you can make the right choice about Personal Loan Anantnag. Visit our website www.dialabank.com and submit or fill a simple form with your personal and employment details. Our customer relationship managers will soon get in touch with you to provide you the best offers on personal loans.

Call 9878981166 and get instant help and approval for Personal Loan Anantnag.

Pre Calculated EMI Table for Personal Loan Anantnag

About Anantnag

Anantnag, also called Islamabad, is the capital city of the Anantnag district in Jammu and Kashmir, India. Anantnag is located at a distance of 53 kilometres from the state’s capital Srinagar.

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