Personal Loan Himatnagar

Best Banks for Personal Loan in Himatnagar

Personal Loan in Himatnagar Features

One of the easiest ways to fulfil the financial shortage is by approaching banks and NBFCs through Dialabank for Personal Loan Himatnagar.

A personal loan is an unsecured loan that does not require you to deposit any asset or collateral to the bank and can be availed at Interest Rate on Personal Loan.

A personal Loan is desirable as there are no end restrictions to the use of the loan amount

Personal Loan in Himatnagar Interest Rates and Charges

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

Personal Loan in Himatnagar Documents Required

Salaried Customers:

1. Passport-sized photographs -2
2. Salary slips of the last three months, as well as bank statements for the last 6 months, need to be submitted by the applicant
3. ID Proof: Aadhar card/driving license/ Voter ID
4. Residence Proof which includes Passport Copy/ Telephone Bill/ Voter ID
5. PAN Card

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

Self-Employed Customers:

1. Passport-sized photographs -2
2. All financials are required (Balance Sheet, P&L Statement as well as ITR files) to be submitted by the borrower
3. ID Proof: Aadhar card/driving license/ Voter ID
4. Residence Proof which includes Passport Copy/ Telephone Bill/ Voter ID
5. PAN Card

Personal Loan in Himatnagar Eligibility Criteria

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

Salaried Applicants

1. The borrower should have work experience of three years in the current job.
2. The minimum age requirements of the individual should be 21 years and a maximum of up to 60 years.
3. The job location of the borrower should be mentioned.
4. Good credit history and a CIBIL score is a must

Self-Employed Applicants

1. The annual income of the applicants should be a minimum of Rs 2.5 lakh.
2. The applicants applying for the personal loan should file ITR for the last three years.
3. The business should have been running for the past three years.
4. The credit score of the individual applicants should be good .there should not be any debt or dues left.
5. Financial and his bank statement of the previous three months should be provided by the borrower.

Click here to know more about eligibility: Personal Loan Eligibility

Why Apply for Personal Loan Himatnagar?

1. The presence of a third party is not needed for loan approval
2. A personal loan is a multi-purpose offer loan. It can be used for any purpose
3. banks do not require any mortgage and collateral security as it is an unsecured loan
4. The amount of a personal loan depends upon the repayment of individual income and capacity.

How to apply for Personal Loan Himatnagar?

1. Visit dialabank.
2. Go to the loan section and click on the tab personal loan
3. After that, the borrower needs to provide the personal and income details
4. Our executives will get in touch through the provided contact number and will assist you accordingly
5. For more information and free guidance, you may call on 9878981166.

Processing Fee / Prepayment Charges on Personal Loan Himatnagar

Every Bank and NBFC charges a fee which is 1% of the total loan amount, for processing your Personal Loan Himatnagar application.

 In most cases, you cannot close your loan before 12 months, but if you wish to foreclose your loan before the agreed loan tenure, every lending institution charges you a penal prepayment fee. Depending on how many years the loan has been done, the charges differ.

Personal Loan Interest rates

Personal Loan Himatnagar 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.  The interest rate on your loan is determined based on your profile. The EMI is calculated on the basis of the Interest Rate, the amount of loan you have to take, and the period for which you enjoy the loan.

Get to know more about EMI Calculator: Personal Loan EMI Calculator

CIBIL Score required for Personal Loan Himatnagar

Different banks have their own criteria for the minimum CIBIL score required for processing a Personal Loan application in Himmatnagar. Most institutions require a minimum score of 750 for further processing of your loan application.

Banks go thoroughly through your credit history, so you should have a good record to avoid any future inconvenience.

Personal Loan in Himatnagar Agent and Contact Number

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

Call 9878981166 and get Instant Personal Loan Himatnagar.

Pre Calculated EMI Table for Personal Loan Himatnagar

About Himatnagar

Himatnagar or known as Himmatnagar is a principal municipality in the Sabarkantha district in the state of Gujarat(India). It is also the chief administrative headquarters of the region. This town lies on the bank of the river Hathmati.

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