Personal Loan Naihati

Best Banks for Personal Loan Naihati

Personal Loan Naihati Features

Suppose you are in an urgent need of the money. A personal loan can be used to fulfil any requirement of the individual, for example, medical bills, debt consolidation, taxes, and many more. It is an instant loan that an individual can avail within 48 to 72 hours. It also requires minimum documentation for the approval of the personal loan. Also, you do not require any form of security to avail personal loan find Naihati.

1. No need to deposit any mortgage and collateral security to the bank
2. Personal Loan Naihati is a multi-purpose offer loan. It can be used for all the problems related to finance.
3. The amount of personal loan depends upon the repayment of individual income and capacity.
4. Personal Loan Naihati does not require any guarantor or nominee. It maximum required reference.

Personal Loan Naihati Interest Rates and Charges

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

Personal Loan Naihati Documents Required

Documents required to avail a Personal Loan Naihati vary for salaried customers and self-employed ones. Following are the essential documents for both kinds of customers:

Salaried Customers:

1. PAN Card
2. Residence Proof (Owned/Rented/Company provided)
3. Passport-sized photographs – 2
4. Identity proof (Aadhar card/driving license)
5. Salary slips of last three months
6. Bank statements for the last six months
7. In the case of rented apartments, rent agreement needs to be attached.

Self-Employed Customers:

1. All financials are required (Balance Sheet, P&L Statement as well as ITR files)
2. PAN Card
3. Aadhar Card
4. Residence Proof
5. Two passport-sized photographs

Personal Loan Naihati Eligibility Criteria

The Personal loan eligibility criteria vary for both Salaried and Self-Employed customers:

Salaried Applicants

1.  The minimum age of the applicant should be 21 years and maximum of up to 60 years.
2. The documentation process for Personal Loan Dhanbad is straightforward; they have to submit their bank statement of the last three months and the salary slip of the previous six months.
3. If the borrower should have a salary of minimum Rs.18,000 per month
4. The borrower must have the work experience of the last three years, and the salary should come in their account only.
5. The person must have a good CIBIL score, i.e., at least 700+.

Self-Employed Applicants

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

Why Apply for Personal Loan Naihati?

1. The Loan amount depends upon the income and repayment capability of the applicant.
2. Personal Loan Dhanbad is a multi-purpose offer that can be used for almost all financial problems.
3. A personal loan does not require any guarantor or nominee.
4. Users don’t need to put any property or asset as security to the lender.
5. No cosigner needed for Personal Loan.

How to apply for Personal Loan Naihati?

Anybody can apply for Personal Loan online only in 2 minutes by applying through DialaBank. The process of application is straightforward and quick.

1. Visit Dialabank.
2. After that, apply for a Personal Loan online.
3. Enter your contact number so that we can contact you back.
4. Dialabank is the best platform to apply for a personal loan as you will get a loan at affordable rates of interest.

The benefits of applying online with DialaBank are:

1. Dialabank does not charge any extra fees from the consumers.
2. Dialabank is always ready to help his costumes and provides 24/7 services.
3. DialaBank quickly picks up the documents of the applicants and starts the whole process of the loan.
4. DialaBank provides approval of the personal loan quickly .it does not take time and can disburse within 24 hours.
5. DialaBank assists the expert, and the relationship manager will guide you throughout the loan process.

Processing Fee / Prepayment Charges on Personal Loan Naihati

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

In case you wish to foreclose your loan before the agreed loan tenure, every lending institution charges you a penal prepayment fee. In most cases, you cannot close your loan before 12 months. Post that the charges vary depending on how many years the loan has done. These charges vary from 4% of the outstanding loan amount in the 2nd year to 2% in the 4th year of the loan.

Personal Loan Naihati EMI Calculator

Equated Monthly Installments also know as EMI are the monthly charges that you pay to the bank as monthly repayment for the loan amount borrowed. Based on your profile, income, loan amount, and tenure, the interest rate on your loan is determined. Your EMI is calculated basis the Interest Rate you are charged by the bank which is required to be paid every month.

The Personal loan EMI Calculator can be used to know your EMI value on your loan amount.

CIBIL Score required for Personal Loan Naihati

Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan application in Naihati.

1. Most institutions require a minimum score of 750 to process your loan application.
2. Others might look into other factors like income and job stability to process the loan.
3. The institutions don’t just look at the overall score but also the specific behavior on the previous loans taken.

4. Customers can take a free CIBIL score check beforehand, for a better understanding.

5. This 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 new loan.

Personal Loan Naihati Agent and Contact Number

Dialabank helps you in comparing various banks and NBFCs so that you can avail the best offers available according to your need. DialaBank is your best agent available for a Personal Loan Naihati. Our relationship manager will ensure you get the best loan at the lowest possible interest rate with hassle-free documentation. The reason behind choosing DialaBank as your agent is:

1. We do not charge you for our services.
2. The loan gets disbursed within 24 hours of applying with us.
3. Our relationship manager guides and assists you through the entire process.
4. Get expert advice.
5. Home pickup facility available for your documents with us.

Call 9878981166 and get instant help and approval for Instant Personal Loan Naihati.

Pre Calculated EMI Table for Personal Loan Naihati

About Naihati

Naihati is a city and municipality of the North 24 Parganas district in the Indian state of West Bengal. It is a part of the area covered by the Kolkata Metropolitan Development Authority. Naihati Municipality is one of the oldest in the whole country.

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