Personal Loan Hajipur

Best Banks for Personal Loan in Hajipur

Personal Loan in Hajipur Features

A personal loan is a fixed amount of money borrowed at a  rate and repaid over a fixed amount of time. You can get a personal loan from a bank, credit union, or online lender.
Taking out a personal loan may be a wiser choice than credit cards. Personal loan rates are also fixed, meaning they can’t change over time like credit card rates

Personal Loan in Hajipur Interest Rates and Charges 

The interest rates in Personal Loan depends upon the company’s profile and salary of a person. The interest rate of personal Loans starts from 9.99% per year.

Best Personal Loan Interest Rate

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

Personal Loan in Hajipur 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 / Aadhar / Residence
3. Two passport-sized photographs

Personal Loan in Hajipur Eligibility Criteria

The eligibility criteria for personal loan  for both Salaried and Self-Employed 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 the three years. And the salary should be received in their accounts only.
3. The applicants must have an excellent 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- 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 should file ITR for the last three years.
3. If the applicants are the businessman, then the business should be running from the past three years.
4. The credit score of the individual applicants should be good .there should not be any debt or dues left.
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 is the applicants have to submit his financial and his bank statement of the previous three months.

Click here to know more – Self-employed Applicant

Why Apply for Personal Loan Hajipur?

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

How to apply for Personal Loan Hajipur?

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

Processing Fee / Prepayment Charges on Personal Loan Hajipur

Every Bank and NBFC charges a fee for processing your Personal Loan application. These charges are 1% of the sanctioned loan amount.

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 your loan before 12 months. Post that the charges vary depending on how many years the loan has done.

Personal Loan Hajipur 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 loan amount borrowed.  Based on your profile, the interest rate on your loan is determined. Your EMI is calculated basis the Interest Rate you are charged by the bank and the amount of loan you have to take and the period for which you enjoy the loan.

CIBIL Score required for Personal Loan Hajipur

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

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

Personal Loan Hajipur Agents

Dialabank is the leading agent for availing Personal Loan in Hajipur. You can apply online at dialabank 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. Visit our website www.dialabank.com and fill a simple form with your personal and employment details. Our customer relationship managers will soon get in touch with you.

Personal Loan Hajipur Contact Number

To get instant help and approval for Personal Loan in Hajipur Call 9878981166.

Pre Calculated EMI Table for Personal Loan Hajipur

About Hajipur

Hajipur is the largest city and headquarters of district Vaishali in the state of Bihar. Hajipur is the 10th leading city and 17th most populous city of Bihar, making it the second-fastest developing city, next to Patna. It had a total population of 4.43 lakh as per census 2011. Vaishali district is ranked 8th on a list of 38 districts in Bihar in terms of growth.
The city is known for producing bananas. The metropolis of Patna comprises the PRDA area, includes Hajipur. Mahatma Gandhi Setu, o the longest bridges in India  5.75 kilometres (3.57 mi), links it to Patna.

Other Personal Loan Cities in Bihar