Personal Loan Bilaspur HP

All about Personal Loan Bilaspur HP

Personal Loan Bilaspur HP Features

There are some days when we get into some sort of financial issue and can not meet our financial needs. A personal loan is a loan that helps us solve these types of financial problems. With rising expenses and a new lifestyle in this modern world, coping with the trend is essential. So Personal Loan is a function that banks & NBFIs provide to get the best loan choice to easily handle all expenses, particularly for the citizens in a metro town.

A discretionary loan allows the borrower to spend the funds however they want. The borrower need not hold anything as collateral in the bank. Personal loaning is the best option for easy handling of all expenses. A best personal loan presents you with the opportunity to fulfill all your wishes and desires. Personal financing is instant finance that an individual can take advantage of within 48-72 hours with minimal documentation needed.

In Bilaspur, you can easily get a personal loan interest rate ranging from 10.99% to 32%, but this depends on many factors.

Personal Loan Bilaspur Interest Rates

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

Documents Required for Personal Loan Bilaspur

Salaried Customers:

1. Identity proof such as Aadhar card/driving license.
2. last three-month salary slips.
3. Bank statements for the last 6 months.
4. PAN Card.
5. Residence Proof (Owned/Rented/Company provided), and rental agreement in case of rented apartments.
6. 2 Passport-sized photographs of the applicant.

Self-Employed Customers:

1. All financials are required (ITR documents with Balance Sheet and P&L Statement).
2. PAN Card.
3. Aadhar Card as identity proof.
4. Residence Proof or rental agreement in case of a rented apartment.
5. Two passport-sized photographs of the applicant.

Personal Loan Bilaspur Eligibility Criteria

The eligibility criteria are specific for both salaried and self-employed workers.

Click to know about personal loan eligibility

Salaried Applicants

1. Individual minimum age requirements should be 21 years and no more than 60 years.
2. The applicants must have three years of work experience. And they should only receive the salary in their accounts.
3. Applicants must have an outstanding credit history.
4. The applicant’s place of work should be mentioned.
5. A borrower in a metropolitan city and non-metro city RS 12,000 should have a minimum income of RS 18,000.

Click to know more – Salaried Applicant

Self-Employed Applicants

1. For an individual adult, a minimum age threshold would be 25 years.
2. Applicants applying for personal loans will submit ITR for the last three years, 
3. If the applicants are a businessman, so from the past three years the company will be running and have an eligible income source.
4. The applicants’ credit score should be perfect. There will be no liability or duties remaining.
5. The applicants’ annual income would have to be a minimum of Rs 2.5 lakh.
6. Personal Loan documents required process is that the borrowers will apply their accounting statements and their bank accounts over the preceding three months.

Click to know – Self-employed Applicant

Why Apply for Personal Loan Bilaspur Hp?

• Personal Loan Bilaspur 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 Bilaspur, as it is an unsecured loan
• Personal loans offer higher loan amounts to help you deal with any financial emergency
• Personal Loan Bilaspur 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 Bilaspur Hp?

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.

Processing Fee / Prepayment Charges on Personal Loan Bilaspur Hp

The interest rates in Personal Loan depend on the profile and salary of an individual in the business. Personal Loan Bilaspur Hp’s interest rate starts at 10.75 percent per year.

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 Bilaspur Hp EMI Calculator

CIBIL Score required for Personal Loan Bilaspur Hp

Every lending institution has its criteria for the minimum CIBIL score required for processing a Personal Loan application in Bilaspur. 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 Bilaspur Hp Contact Number

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

Pre Calculated EMI Table for Personal Loan Bilaspur Hp

Click here for personal loan EMI calculator

About Bilaspur

Bilaspur was the capital of a Seventh-century state of the same name, also known as Kahlur. The ruling dynasty was Chandela Rajputs, who in present-day Madhya Pradesh claimed descent from the Chanderi rulers. Bilaspur city was created in 1663. The state later became a British India princely state and was under the authority of the British Punjab province.

The Bilaspur district is situated in the outer hills of the Satluj valley and occupies an area of 1,167 square kilometers. Its boundaries touch upon the districts of Una, Hamirpur, Mandi, and Solan. Satluj is the main river that traverses the center of the district and divides it into nearly equal parts. The Bilaspur New Township should be seen as the country’s first planned hill area.

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