Personal Loan Barpeta

Best Banks for Personal Loan Barpeta

Personal Loan Barpeta Features

In this modern world, with increasing expenses and a new lifestyle, it is essential to cope up with the trend. So Personal Loan is a feature provided by banks & NBFCs to get the best loan option to manage all expenses easily, especially for the people in a metro city.

Personal Loan is a financial good which has emerged as one of the leading and a popular credit availing option for individuals who are in urgent need of finances. It is basically an unsecured loan which does not involve any of the assets or properties to be involved in the processing of the loan as a piece of collateral.

Banks approve personal on the basis of credit history as well as the CIBIL score. A stable source of income is necessary in this case.

Personal Loan Barpeta Interest Rates

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

Documents for Personal Loan Barpeta

Salaried Customers:

1. Two passport size colored photos. (Applicant should not be wearing glasses) 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. Salaried applicants have to submit their salary slip of the last three months and the bank statements of the last six months.
4. The applicant must submit their PAN card, which is an essential document under the KYC formality.

*NOTE: In case of rented apartments, rent agreement needs to be attached.

Self-Employed Customers:

1. 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.
2.  Identity proof:(Passport/Id card/voter card/driving license/Aadhar Card) It can be any one of them.
3. Two passport size colored photos. (Applicant should not be wearing glasses)
4. The applicant must submit their PAN card, which is an essential document under the KYC formality.
5. The self-employed applicant has to submit the ITR of the last three years, and registration of their business should be done.

Eligibility Criteria for Personal Loan Barpeta

The personal loan eligibility criteria for both Salaried and Self-Employed are different:

Salaried Applicants

1. The minimum age of the applicant should be 21 years and a maximum up to 60 years with low personal loan interest rate.
2. The borrower must have the work experience of the last three years, and the salary should come in their account only.
3.  The person must have a good CIBIL score, i.e., at least 700+
4. The documentation process for Personal Loan Barpeta 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 Applicants

1. The applicant should file ITR at least for the last three years.
2. The self-employed person’s age should be minimum of 25 years. The CIBIL of the applicant should be good, and no debt should be left due.Better estimation can be get with personal loan EMI calculator.
3. The ITR(Income tax return) in which the applicant files should be Rs 2.5 lakhs per annum at least.
4. If the applicant is a businessman than his business should be running for the last three years.

Get to know more about eligibility: Personal Loan Eligibility

Why Apply for Personal Loan Barpeta?

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 bank
4.  No cosigner needed for Personal Loan Barpeta.

How to apply for Personal Loan Barpeta?

1. Visit www.dialabank.com.
2. Go to the loan section and click on the personal loan link to apply online
3. The applicant needs to fill in all the details along with the contact number so that our executive can get in touch with you
4. For more information and free guidance, you may call on 9878981166.

Processing Fee / Prepayment Charges on Personal Loan Barpeta

Every Bank and NBFC charges two kinds of fees from its customers. The first is a fee for processing your Personal Loan application. These charges are 1% of the sanctioned loan amount.

Personal Loan Barpeta 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. 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 loan tenure. The loan approval is based upon your profile.

Get to know more EMI Calculator: Personal Loan EMI Calculator

CIBIL Score required for Personal Loan Barpeta

A personal Loan application is heavily dependent on the CIBIL score. Most institutions require a minimum score of 750 to process your loan application.

The institutions don’t just look at the CIBIL score but also the detailed history on the previous loans taken which 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 Barpeta Agents

Dialabank is the leading agent for availing Personal Loan in Barpeta. You can apply online at Dialabank or give a call at 9878981166

Personal Loan Barpeta Contact Number

Call 9878981166 and get Instant Personal Loan in Barpeta.

Pre Calculated EMI Table for Personal Loan Barpeta

About Barpeta

Barpeta is a small town situated in the state of Assam in India. The district is headquartered in Barpeta. The place has an estimated population of about 1,642,420 in the year 2001. The region was created in the year 1983 when it was split from Kamrup.

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