Personal Loan Hamirpur

⋆ Interest Rate 9.99% ⋆

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        Rates as low as 9.99%*
        Loans Up to 30 Lacs
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        Personal Loan Hamirpur

        About Personal Loan Hamirpur

        personal loan hamirpur

        There are some days when we get into some kind of financial problem and are not able to meet our financial needs. A personal loan is a loan that helps us to solve these kinds of financial issues.

        A personal loan allows the buyer to use the money as per their choice. The borrower does not need to keep anything in the bank as collateral.

        Why Apply for Personal Loan Hamirpur?

        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.

        Personal Loan Hamirpur Eligibility Criteria

        The eligibility criteria 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 minimum income in metropolitan city RS 18,000 and in non -metro city RS 12,000

        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 applicant has to submit his financial and his bank statement of the previous three months.

        Click here to know more – Self-employed Applicant

        Personal Loan Hamirpur Interest Rates

        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 10.75% per year.

        Bank Processing Fee
        Prepayment Charges
        HDFC Bank Personal Loan 0.25% to 1.50%
        2%, Nil foreclosure charges after 3 months
        Axis Bank Personal Loan 0.50% to 1.50% Nil
        Private Bank Personal Loan 0.25% to 1.50%
        2%, Nil foreclosure charges after 9 months
        SBI Personal Loan 500/- to 0.50% Nil
        Kotak Personal Loan 1% to 2%
        2.25% of fore closure amount if closed 1 month ahead of the tenure.
        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

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

        Processing Fee / Prepayment Charges on Personal Loan Hamirpur

        Every Bank and NBFC charges a fee for processing your Personal Loan application. These charges vary between 1.5% to 2.5% 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. These charges vary from 4% of the outstanding loan amount in the 2nd year to 2% in the 4th year of the loan.

        To know about the interest rate click on personal loan interest rate

        CIBIL Score required for Personal Loan Hamirpur

        Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan application in Ernakulam. 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 behavior 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

        Interest Rate 9.99%

        +91

        Personal Loan Hamirpur Contact Number

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

        Pre Calculated EMI Table for Personal Loan Hamirpur

        Click here for personal loan EMI calculator

        Rate
        5 Yrs
        4 Yrs
        3 Yrs
        10.50%
        2149
        2560
        3250
        11.00%
        2174
        2584
        3273
        11.50%
        2199
        2608
        3297
        12.00%
        2224
        2633
        3321
        12.50%
        2249
        2658
        3345
        13.00%
        2275
        2682
        3369
        13.50%
        2300
        2707
        3393
        14.00%
        2326
        2732
        3417
        14.50%
        2352
        2757
        3442
        15.00%
        2378
        2783
        3466

        Personal Loan Hamirpur Documents

        1. Residence proof: the documents required for the residence proof includes (Passport / ID card / Voter card / Aadhaar card / Ration card / Driving license), and if the applicants are living in rental apartments then they have to submit their Agreement, Electricity bill on his name and address of the owner.
        2. Self-employed: the applicants of personal loan should file ITR for the last three years, and his business should be registered.
        3. Salaried applicants: The applicants have to show his salary slip of the last three months and bank statement for the last six months.
        4. Under KYC formality, every applicant has to submit his pan card, which is an essential document.
        5. Two colored passport size photos: (Applicants should not wear any glasses)

        Personal Loan Hamirpur Apply Online

        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.
        5. About Personal Loan

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