About Personal Loan Golaghat
Your financial problems are slowly killing you within. Dialabank has a solution for you; the Personal Loan is the best possible option as it is a secured loan and the interest rates are very low compared to other loans. So sit back and relax and let it go.
A personal loan is the best option if you need funds for urgent needs or a short period .it can be availed for any purposes. A personal loan is a type of loan that is available for you whenever you need it. No matters where you spend your money Dailabank customized a personal loan for you.
Dialabank offers Personal Loans offer fast processing of your loan. Personal Loans can be used for plenty of purposes!
Personal Loan Golaghat Interest Rates
The interest rates in Personal Loan may vary from person to person as it depends upon the salary of the applicant and the company’s profile. The interest rate of Personal Loan Golaghat starts from 10.75% per year.
More About: Interest Rates on Personal Loan
Personal Loan Golaghat Tenure
The tenure of Personal Loan Golaghat is from 1 year to 5 years.
Personal Loan Golaghat Eligibility Criteria:
Personal loans have some eligibility criteria based on which the bank approves the applicant loan request.
The personal loan eligibility criteria for both Salaried and Self-Employed are as follows:
If you are Salaried Customers:
- The required minimum age of an applicant should be 21 years and a maximum of up to 60 years.
- A borrower from the metropolitan city should have a minimum income of Rs 18,000. And for the non-metropolitan city, the minimum salary should be Rs 12,000.
- The borrower must have three years of work experience, and the salary should be received in their account only.
- A person applying for the Personal Loan must have a good credit history.
- The Job location of the applicant.
Click here to know more about- Salaried Applicant
If you are Self-Employed Customers:
- The age requirement of a self-employed person should be 25 years.
- The person applying for a Personal Loan should file ITR for the last three years.
- A credit score of the applicant must be good, and there should not be any debt left due.
- The minimum amount should be Rs 2.5 lakhs per annum at least.
- And if the applicant is running a business than his business should be running at least from last three years
- The whole documentation process is straightforward; the applicant has to submit his financials and his bank statement of the previous three months.
Click here to know more – Self-employed Applicant
Personal Loan Golaghat Documents
Documents required for Personal Loan are:
- Identity proof: As a verification document, one should especially require one among the following: (Passport/ Id card/ Voter card/ Driving license/ Aadhar Card) any one of them.
- Residence proof: The documents required as proof of residence are: (Passport/ Id card/ Voter card/ Driving license/ Ration Card/ Aadhar Card). And the applicant living in a rented apartment, then he has to submit his rental agreement, electricity bill on his name and the address of the owner.
- Under, KYC formality: The applicant has to provide his PAN card which is an important document.
- Salaried applicant: The applicant has to submit his bank statements for the last six months and the salary slip of the last three months.
- Self-employed: The person applying for a personal loan should file ITR for the last three years, and the business should be registered.
- Two colored passport size photos. (Applicant should not be wearing glasses)
Why apply for Personal Loan Golaghat?
- The amount of loan depends upon the repayment capability and income of the person.
- Personal Loans can be used for almost all the financial problems of life. So it is a multi-purpose offer.
- No collateral or any property needs to be put to the banker.
- The personal loan interest rates depend on the customer’s CIBIL score and financial standing.
- The cosigner is not needed.
Why your decision of choosing Dialabank is right?
- Dialabank does not charge any extra fees from its customers.
- We provide our services 24/7 and are always ready to help our applicants.
- We quickly pick-up the documents start the whole process of sanctioning loans
- The approval of personal loan does not take time if you applied through Dialabank. The loan gets disbursed within 24 hours.
- We provide you assistance from the experts, and our relationship managers will guide you throughout this process.
How to apply?
- Visit www.dialabank.com.
- Go to the loan section and select a personal loan link.
- The applicant will be directed to all details of the personal loan where they can choose their preferred city.
- For more information and free guidance, they may call on 9878981166.
Processing Fee / Prepayment Charges on Personal Loan Golaghat
All Banks and NBFCs cost a certain fee to process a Personal Loan application. This cost varies between 1.5% to 2.5% of the sanctioned loan amount.
If you wish to close your loan before the decided loan tenure, all lending institutions will be charging you a penalty as a prepayment fee. Usually, you will not be allowed to close your loan before a period of 12 months. Post that, the charges differ based on the number of years the loan has completed. This charge varies from 4% of the remaining loan amount in the second year to 2% in the fourth year of the loan
Personal Loan Golaghat EMI Calculator
Equated Monthly Installments or EMI implies a monthly fixed rate that you are needed to pay to the bank as monthly repayment for the loan amount which is secured.
According to your profile, the rate of interest on your loan is set. The EMI on your loan is calculated depending upon the Rate the bank charges you with and the loan amount you have to take and the period for which you take the loan.
A Personal loan EMI Calculator can be helpful in understanding the proposed terms of the loan offered by a bank or NBFC.
CIBIL Score required for Personal Loan Golaghat
All the lending institutions have their criteria for a minimal CIBIL score that is needed to process a Personal Loan application in Golaghat. Mostly, the institutions need a minimum score of at least 750 to further process an application.
Customers can take a free CIBIL score check beforehand, for a better understanding.
No institution only looks at the overall score. They also look at an elaborated view of the previous loans. The details include the type of loans and the amount of money that was borrowed. If there exists any delay in the payments of the previous loans, it may hinder the approval of the present loan.
PERSONAL LOAN
Interest Rate 9.99%
Personal Loan Golaghat Agents
Dialabank is one of the leading agents for availing Personal Loan in Golaghat. You can easily apply online at www.dialabank.com or give a call at 9878981166
Dialabank assists you to look for the best option of Banks and NBFCs by giving you access to an in-detail market comparative analysis of various banks to help you pick the right one. Visit our website www.dialabank.com and fill out a simple form with the details of personal and employment data. Our customer relationship managers will be in touch with you shortly.
Personal Loan Golaghat Contact Number
Call 9878981166 and get timely assistance and approval for a Personal Loan in Golaghat.
Pre Calculated EMI Table for Personal Loan Golaghat
Click here for a 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 |
About Golaghat
Golaghat is a place in Assam, India. It is a very easy and effortless process to take a personal loan when you will apply through Dialabank. In personal loans, there is no need to mortgage any property as it is a secured loan. So it is very beneficial for an individual to take a personal loan, all you have to do is to visit www.dialabank.com or call on 9878981166.
FAQs About Personal Loan Golaghat
✅Who can apply for a Personal Loan in Golaghat?
People who have an urgent need for cash and have a regular source of income (from employment or business) can apply for a Personal Loan in Golaghat.
✅What is the tenure of Personal Loan in Golaghat?
Most of the Banks and NBFCs provide a Personal Loan for a min period of 1 Yr and a Max period of 5 Years. There are some Banks which extend the maximum period to 7 Years also. The tenure is fixed and cannot be extended. The repayment has to be done in equal monthly installments within the agreed tenure of the loan.
✅Are there any other charges involved in Personal Loan Golaghat?
Yes, there are 2 types of charges that one needs to pay to avail a personal loan in Golaghat:
Processing Fee: For every bank or lending institution that you borrow from, there is a small fee that they charge from the customer. This is known as Processing Fee. The amount of processing fee varies for each lending institution and is normally between 1% and 2.5% of the loan amount.
Pre-closure Charges: If you want to close a running loan before its decided tenure period, the Banks and NBFCs charge an extra amount known as pre-closure charges on the borrowed loan amount. Different banks have different pre-closure charges. The pre-closure charges vary depending on how many years has your loan completed before you decide to pre-close it.
✅Can my application for Personal Loan Golaghat get rejected due to my CIBIL score?
Personal Loan, being an unsecured loan, one of the most significant decision criteria for getting your Personal Loan application approved is your CIBIL Score. Having a High CIBIL score becomes extremely important if you wish to avail of a Personal Loan in the future. Make sure you don’t leave or delay any of your loan EMI payments or any credit card payments as that will result in decreasing your CIBIL score. Most of the Personal Loan rejections occur because of a low CIBIL Score.
Personal Loan Interest Rates: Updated 2020
|
Bank |
Interest Rates |
|---|---|
|
10.99% to 18% |
|
|
13.99% to 18% |
|
|
17.25% to 32% |
|
|
13.99% to 16.75% |
|
|
15.50% to 24% |
|
|
15.75% to 22% |
|
|
13.75% to 19% |
|
|
13.50% to 22% |
|
|
13.50% to 19% |
|
|
13.75% to 22% |
|
|
Corporation Bank |
14.50% to 20% |
|
13.70% to 20% |
