Best Banks for Personal Loan Calangute
Feature
HDFC Bank
Private Bank
Bajaj Finance
Interest Rate
10.75% - 17%
11.25% - 18.5%
0.12
Min Loan Amt
Metro : 75000 & Non Metro: 50000
50000
100000
Max Loan Amt
50 Lacs
50 Lacs
1 Cr
Loan Tenure
1 - 5 Years
1 - 5 Years
1 - 5 Years
Processing Fee
0.25% - 2% of the Loan Amt
1% - 2.5% of the Loan Amt
Preclosure Charges
2%, Nil foreclosure charges after 12 months
2%, Nil foreclosure charges after 24 months
Nil
Overdraft Facility
No
No
Yes
Personal Loan Calangute Features
For various reasons, borrowers use personal loans, such as debt consolidation, holidays, refurbishing their homes, buying a new appliance, funding weddings, paying education or medical expenses, etc. Personal loans can also be beneficial in improving your finances and credit score when used judiciously.
Life is uncertain and you never know when you need the money and in what amount and it is not possible to have enough savings at the required time so in this situation, Personal Loan Calangute plays a very vital role in any individual’s financial crisis.
In Calangute, you can easily get a personal loan at an interest rate of 9.99% p.a., but this depends on many factors.
Personal Loan Calangute Interest Rates
To check Personal Loan Interest Rate for all major banks you can visit: Personal Loan Interest Rates
Bank
Processing Fee
HDFC Bank Personal Loan
0.25% to 1.50%
Axis Bank Personal Loan
0.50% to 1.50%
Nil
Private Bank Personal Loan
0.25% to 1.50%
SBI Personal Loan
500/- to 0.50%
Nil
Kotak Personal Loan
1% to 2%
IIFL Personal Loan
Nil
Nil
Muthoot Personal Loan
Nil
Nil
Manappauram Personal Loan
Nil
Nil
PNB Personal Loan
0.70% to 1%
Nil
Canara Bank Personal Loan
0.01
Nil
Andhra Bank Personal Loan
Nil
Nil
Documents Required for Personal Loan Calangute
Salaried Customers:
- Identity proof such as Aadhar card/driving license.
- last three-month salary slips.
- Bank statements for the last 6 months.
- PAN Card.
- Residence Proof (Owned/Rented/Company provided), and rental agreement in case of rented apartments.
- 2 Passport-sized photographs of the applicant.
Self-Employed Customers:
- All financials are required (ITR documents with Balance Sheet and P&L Statement).
- PAN Card.
- Aadhar Card as identity proof.
- Residence Proof or rental agreement in case of a rented apartment.
- Two passport-sized photographs of the applicant.
PERSONAL LOAN
Interest Rate 9.99%
Personal Loan Calangute Eligibility Criteria
The eligibility criteria are specific for both salaried and self-employed workers.
Click here to know more about personal loan eligibility
Salaried Applicants
- Individual minimum age requirements should be 21 years and no more than 60 years.
- The applicants must have three years of work experience. And they should only receive the salary in their accounts.
- Applicants must have an outstanding credit history.
- The applicant’s place of work should be mentioned.
- A borrower in a metropolitan city and non-metro city RS 12,000 should have a minimum income of RS 18,000.
Click here to know more about- Salaried Applicant
Self-Employed Applicants
- For an individual adult, a minimum age threshold would be 25 years.
- Applicants applying for personal loans will submit ITR for the last three years,
- If the applicants are a businessman, so from the past three years the company will be running and have an eligible income source.
- The applicants’ credit score should be perfect. There will be no liability or duties remaining.
- The applicants’ annual income would have to be a minimum of Rs 2.5 lakh.
- Personal Loan Calangute’s whole documentation process is that the borrowers will apply their accounting statements and their bank accounts over the preceding three months.
Click here to know more – Self-employed Applicant
Why Apply for Personal Loan Calangute?
- Personal Loan Calangute is based upon the candidate’s income per annum and his credit score. No other requirement is there
- There is no need to put a precious asset as security to the lender for Personal Loan Calangute, as it is an unsecured loan
- Personal loans offer higher loan amounts to help you deal with any financial emergency
- Personal Loan Calangute is a multi-purpose offer that can be used for almost all financial problems of life, including debt consolidation.
How to apply for Personal Loan Calangute?
To apply for the best personal loan deals:
- Visit Dialabank and click on the personal loan option on the menu of the homepage.
- You will be directed to a page wherein you will have to fill in all your personal as well as professional details, along with your phone number.
- After you click on ‘Apply now’, wait for a while. In a short period, you will receive mail threads from various banks and NBFCs willing to lend ou a personal loan
- Our experts will give you a call and assist you in choosing the best deal for you.
- In case of any queries, call us at 9878981166.
PERSONAL LOAN
Interest Rate 9.99%
Processing Fee / Prepayment Charges on Personal Loan Calangute
Every Bank and NBFC charges a fee for processing your Personal Loan application. The processing fee for getting a personal loan in Calangute is 1% of the loan amount.
If you wish to foreclose your loan before the agreed tenure of the loan, you will be charged a penal prepayment fee by every lending institution. Unable to close your loan before 12 months in most cases. Post that the charges vary according to how many years the loan has been made. Those penalties range from 4 percent of the unpaid debt balance in the second year to 2 percent in the borrower’s fourth year.
To know about the interest rate click on personal loan interest rate
Personal Loan Calangute EMI Calculator
CIBIL Score required for Personal Loan Calangute
Every lending institution has its criteria for the minimum CIBIL score required for processing a Personal Loan application in Calangute. Most institutions need a minimum score of 750 to process your application for a loan.
The institutions are not only looking at the overall score but also the detailed behavior of previous loans. It provides information about the form of loan obtained and the amount lent. Any outstanding payments for prior loans will serve as a deterrent to making a fresh loan open to you.
PERSONAL LOAN
Interest Rate 9.99%
Personal Loan Calangute Contact Number
Call 9878981166 and get instant help and approval for Personal Loan in Calangute.
Pre Calculated EMI Table for Personal Loan Calangute
Click here for a personal loan EMI calculator
About Calangute
Calangute is a locality on Goa’s northern shore. It ranks among Goa’s most popular tourist destinations. Calangute lies 13 kilometers from Panaji and 8 kilometers from Mapusa.
Calangute is a city in the state of Goa in western India. Standing on the shores of the Arabian Sea, Calangute Beach is home to broad, sandy, lined with restaurants and bars. Farther to the north, Baga Beach is a popular water sports spot.
To the south, a 19th-century lighthouse is surrounded by the sturdy walls of Aguada Fort, built in the early 1600s under Portuguese colonial rule.
The beach is North Goa’s biggest and has been visited by thousands of domestic and foreign tourists. The main tourism season is in May between Christmas and New Year, then throughout the summer. The sea can be harsh and swimming is forbidden during the monsoon season, from June to September. Among other events, the beach provides water sports such as parasailing and water skiing.
