Personal Loan Mangaldoi

 Personal Loan in Mangaldoi

Personal Loan in Mangaldoi Features

With the help of Personal Loan can help you realize your dreams of having that great wedding to visiting your dream vacation destination. A personal loan can also help in meeting unexpected expenses and medical emergencies too. You can utilize your funds anywhere as per requirement.

These loans are used for personal use and are lent by the banks and NBFCs.

The loan’s usability is very vast in personal life. These loans are mostly provided on the basis of the income of the applicant, which means the securities are not necessary.

Personal Loan in Mangaldoi Interest Rates and Charges

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

Personal Loan in Mangaldoi Documents Required

Salaried Customers:

1. Proof of Identity (Aadhar card/driving license)
2. 2 recent passport size photographs
3. Salary slips of last three months to be provided
4. Bank statements for the last 6 months should be submitted
5. PAN Card
6. Address proof including Passport copy/ Aadhar Card/ Telephone bill, etc.

*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. Proof of Identity (Aadhar card/driving license)
3. 2 recent passport size photographs
4. PAN Card
5. Address proof including Passport copy/ Aadhar Card/ Telephone bill, etc.

Personal Loan in Mangaldoi Eligibility Criteria

The eligibility criteria for both Salaried and Self-Employed are listed below:

Salaried Applicants

1. The applicants must have an excellent credit history and decent CIBIL score
2. The borrower should be between 21 to 60 years of age
3. The job location of the applicant should be mentioned.
4. The applicants must have the work experience of the three years. And the salary should be received in their accounts only.

Self-Employed Applicants

1. Applicant must be above 25 years of age
2. Applicant should submit his financial and his bank statement of the previous three months.
3. The applicants applying for the personal loan should file ITR for the last three years.
4. If the applicants are the businessman, then the business should be running from the past three years.
5. The credit score of the individual applicants should be good .there should not be any debt or dues left.
6. The annual income of the applicants should be a minimum of Rs 2.5 lakh.

Get to know more about eligibility: Personal Loan Eligibility

Why Apply for Personal Loan Mangaldoi?

1. A personal loan is a multi-purpose offer loan. It can be used for all the problems related to finance.
2. No need to deposit any mortgage and collateral security to the banks
3. Loan amount to be sanctioned depends upon individuals income and capacity of repayment
4. Does not require any guarantor or nominee.

How to apply for Personal Loan Mangaldoi?

1. Visit www.dialabank.com. and apply for personal loan in no time
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 need to provide their personal details
4. Our relationship manager will check for eligibility and assist you accordingly
5. For more information and free guidance, you may call on 9878981166.

Processing Fee / Prepayment Charges on Personal Loan Mangaldoi

Each Bank and NBFC charges an expense for handling your Personal Loan application. These charges fluctuate between 1.5% to 2.5% of the loan amount that has been sanctioned.

In case one wishes to foreclose their 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.

Personal Loan Mangaldoi 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. EMI is calculated on the basis of various factors such as Interest rate, loan amount to be sanctioned and repayment tenure.

To know more about EMI Calculator click here: Personal Loan EMI Calculator

CIBIL Score required for Personal Loan Mangaldoi

Each bank has its own standards for the base CIBIL score required for handling a Personal Loan application in Mangaldoi. Most establishments require a base score of 750 to process your credit application.

The institutions don’t just look at the overall score but also the detailed history of 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 in Mangaldoi Agent and Contact Number

Dialabank is the leading agent for availing Instant Personal Loan in Mangaldoi. You can apply online at www.dialabank.com or give a call at 9878981166

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

Pre Calculated EMI Table for Personal Loan Mangaldoi

About Mangaldoi

The town of Mangaldoi is a municipal board in Darrang district in the Indian state of Assam. It is the headquarters of the Darrang district. Mangaldoi is situated at the north bank of Brahmaputra River.

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