About Personal Loan Bongaigaon
A Personal Loan is an unsecured loan that does’nt need any submission of collateral security deposited to the bank. Personal Loan Bongaigaon will be provided merely on the basis of the applicant’s credit score or the repayment ability. This will be decided after the evaluation such as the CIBIL score which should be higher than 700.
What is Personal Loan?
In this growing world, with expanding costs and another way of life, it is basic to adapt up to the pattern. So Personal Loan is an element given by banks and NBFCs to get the best credit choice to deal with all costs effectively, particularly for the individuals in metro urban areas.
A Personal Loan Bongaigaon is a credit that can be utilized in different manners that can be used for satisfying numerous reasons. These reasons could be obligation reimbursement, charges, covering clinical tabs, and that’s only the tip of the iceberg. Individual fund is moment money, which an individual can profit inside 2-3 working days with insignificant documentation required.
Why apply for Personal Loan Bongaigaon?
1. The Loan amount depends upon the income and repayment capability of the applicant.
2. It is a multi-purpose offer that can be used for almost all financial problems.
3. No need to put any property or asset as security to the lender
4. No cosigner needed.
Personal Loan Bongaigaon Eligibility Criteria
Personal Loan does not apply to everyone, and there are some eligibility criteria based on which the bank provides a loan to the applicant. There are two categories of applicants:
1. Salaried
2. Self-employed
There are different eligibility criteria for both applicants.
Salaried Applicant:
1. The minimum age of the applicant should be 21 years and a maximum of up to 60 years.
2. If the borrower should have a salary of minimum Rs.18,000 per month
3. The borrower must have the work experience of the last three years, and the salary should come in their account only.
4. The person must have a good CIBIL score, i.e., at least 750+
The documentation process is straightforward; they have to submit their bank statement of the last three months and the salary slip of the previous six months.
Self-employed Applicant:
1. The self-employed person’s age should be minimum of 25 years.
2. The applicant should file ITR at least for the last 3 years.
3. The CIBIL of the applicant should be good, and no debt should be left due.
4. The ITR(Income tax return) in which the applicant files should be INR 2.5 lakhs per annum at least.
5. And the applicant is a businessman than his business should be running from the last 3 years.
Click here to know more about personal loan eligibility
Personal Loan Bongaigaon Documents
1. Identity proof 🙁 Passport/Id card/voter card/driving license /Aadhar Card) It can be any one of them.
2. Residence proof 🙁 Passport/voter card/driving license/Aadhar Card/Ration Card). And the applicant living in a rented house, then they have to submit their rental agreement.
3. The applicant must submit their PAN card, which is an essential document under the KYC formality.
4. Salaried applicants have to submit their salary slip of the recent 3 months and the bank statements of the last six months.
5. The self-employed applicant has to submit the ITR of the last 3 years, and registration of their business should be done.
6. Two passport size colored photos. (Applicant should not be wearing glasses)
Personal Loan Bongaigaon Apply
Anybody can apply for Personal Loan online only in 2 minutes. The process of application is straightforward and quick.
First of all, you should check your eligibility.
1. Visit Dialabank
2. After that, apply for a Personal Loan online.
3. Enter your contact number so that we can contact you back.
4. Dialabank is the best platform to apply for a personal loan as you will get a loan at affordable rates of interest.
Personal Loan Bongaigaon Interest Rates
|
Bank |
Interest Rates |
Processing Fees |
|---|---|---|
|
10.99% to 18% |
2% to 2.5% |
|
|
13.99% to 18% |
2% |
|
|
17.25% to 32% |
2% to 3% |
|
|
13.99% to 16.75% |
2% to 3% |
|
|
15.50% to 24% |
1.5% to 2% |
|
|
15.75% to 22% |
2% to 3% |
|
|
13.75% to 19% |
2% |
|
|
13.50% to 22% |
0.5% to 1.5% |
|
|
13.50% to 19% |
2% |
|
|
13.75% to 22% |
1.5% to 2% |
|
|
Corporation Bank |
14.50% to 20% |
1.5% to 3% |
|
13.70% to 20% |
1.5% to 2% |
To check Personal Loan Interest Rate for all major banks you can visit: Personal Loan Interest Rates
Personal loan Bongaigon EMI Calculator
Click here for personal loan EMI calculator
About Bongaigaon
Bongaigaon is a prime city of Assam(India). The city area spans across Bongaigaon and Chirang district. Bongaigaon is one of the prominent cities in Assam. The city is one of the biggest commercial and industrial center of Assam and also of the North-East India region. This city also acts as the gateway to North-East.
