Personal Loan Calangute

Best Banks for Personal Loan Calangute

Personal Loan Calangute Features

For various reasons, borrowers use personal loans, such as debt consolidation, holidays, refurbishing their homes, buying a new appliance, funding weddings, paying education or medical expenses, etc. Personal loans can also be beneficial in improving your finances and credit score when used judiciously.

Life is uncertain and you never know when you need the money and in what amount and it is not possible to have enough savings at the required time so in this situation, Personal Loan Calangute plays a very vital role in any individual’s financial crisis.

In Calangute, you can easily get a personal loan at an interest rate of 9.99% p.a., but this depends on many factors.

Personal Loan Calangute Interest Rates

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

Documents Required for Personal Loan Calangute

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 Calangute Eligibility Criteria

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

Click here to know more 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 here to know more about- 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 Calangute’s whole documentation process is that the borrowers will apply their accounting statements and their bank accounts over the preceding three months.

Click here to know more – Self-employed Applicant

Why Apply for Personal Loan Calangute?

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

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 Calangute

Every Bank and NBFC charges a fee for processing your Personal Loan application. The processing fee for getting a personal loan in Calangute is 1% of the loan amount.

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 Calangute EMI Calculator

CIBIL Score required for Personal Loan Calangute

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

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

Pre Calculated EMI Table for Personal Loan Calangute

Click here for a personal loan EMI calculator

About Calangute

Calangute is a locality on Goa’s northern shore. It ranks among Goa’s most popular tourist destinations. Calangute lies 13 kilometers from Panaji and 8 kilometers from Mapusa.

Calangute is a city in the state of Goa in western India. Standing on the shores of the Arabian Sea, Calangute Beach is home to broad, sandy, lined with restaurants and bars. Farther to the north, Baga Beach is a popular water sports spot.

To the south, a 19th-century lighthouse is surrounded by the sturdy walls of Aguada Fort, built in the early 1600s under Portuguese colonial rule.

The beach is North Goa’s biggest and has been visited by thousands of domestic and foreign tourists. The main tourism season is in May between Christmas and New Year, then throughout the summer. The sea can be harsh and swimming is forbidden during the monsoon season, from June to September. Among other events, the beach provides water sports such as parasailing and water skiing.