Personal Loan Vasco

Major Personal Loan Providers in Vasco

Feature	HDFC Bank	Private Bank	Bajaj Finance
Interest Rate	10.75% - 17%	11.25% - 18.5%	0.12
Min Loan Amt	Metro : 75000 & Non Metro: 50000	50000	100000
Max Loan Amt	50 Lacs	50 Lacs	1 Cr
Loan Tenure	1 - 5 Years	1 - 5 Years	1 - 5 Years
Processing Fee	0.25% - 2% of the Loan Amt	1% - 2.5% of the Loan Amt	0.5% - 2% of the Loan Amt
Preclosure Charges	2%, Nil foreclosure charges after 12 months	2%, Nil foreclosure charges after 24 months	Nil
Overdraft Facility	No	No	Yes

Personal Loan Vasco Features

Personal Loan Vasco is an unsecured loan that provides financial aid to the customers at affordable interest rates. To get a Personal Loan, the applicant needs to have a rigid and good source of income and has a good credit history.

Benefits of Personal Loan Vasco:

• It can be availed by anybody fulfilling the eligibility criteria
• It is disbursed within 3-4 days.

Personal Loan Vasco Interest Rates

Bank	Processing Fee	Prepayment Charges
HDFC Bank Personal Loan	0.25% to 1.50%	2%, Nil foreclosure charges after 3 months
Axis Bank Personal Loan	0.50% to 1.50%	Nil
Private Bank Personal Loan	0.25% to 1.50%	2%, Nil foreclosure charges after 9 months
SBI Personal Loan	500/- to 0.50%	Nil
Kotak Personal Loan	1% to 2%	2.25% of fore closure amount if closed 1 month ahead of the tenure.
IIFL Personal Loan	Nil	Nil
Muthoot Personal Loan	Nil	Nil
Manappauram Personal Loan	Nil	Nil
PNB Personal Loan	0.70% to 1%	Nil
Canara Bank Personal Loan	0.01	Nil
Andhra Bank Personal Loan	Nil	Nil

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

Documents for Personal Loan Vasco

Personal loan in Vasco has certain documents requirements. These requirements are required to be fulfilled to avail of the loan. Some important documents mentioned are as follows:

Salaried Customers:

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

Self-Employed Customers:

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

Eligibility Criteria for Personal Loan Vasco

The personal loan eligibility criteria for both Salaried and Self-Employed are different. It is based on the bank which has to approve the request of the applicant regarding the credit. There are two categories of applicants:

1. Salaried
2. Self-employed

There are various eligibility criteria for both applicants:

Salaried Applicants

1. The minimum age requirements of individuals should be 21 years and maximum up to 60 years for availing the Loan.
2. The applicants must have the work experience of the three years. And the salary should be received in their accounts only for availing the Loan.
3. The applicants must have an excellent credit history for availing the Loan.
4. The job location of the applicant should be mentioned for availing of the Loan.

Self-Employed Applicants

1. The minimum age requirement for an independent person should be 25 years.
2. The applicants applying for the personal loan should file ITR for the last three years.
3. The whole documentation process of the personal loan is the applicants have to submit his financial and his bank statement of the previous three months.
4. If the applicants are the businessman, then the business should be running from the past three years.
5. The credit score of the individual applicants should be good .there should not be any debt or dues left.
6. The annual income of the applicants should be a minimum of Rs 2.5 lakh.

Why Apply for Personal Loan Vasco?

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

How to apply for Personal Loan Vasco?

Applying for a personal loan is easy with DialaBank. Just follow the steps below to enjoy a hassle-free experience:

1. Visit our website Dialabank.
2. Go to the loan section and click on the personal loan link.
3. The applicant will be required to fill in all the details of themselves.
4. Click on Request a quote and our relationship manager will soon get in touch with you.

For more information and free guidance, you may call on 9878981166.

Processing Fee / Prepayment Charges on Personal Loan Vasco

Every Bank and NBFC charges two kinds of fee for on Personal Loan application.

1. The processing fee charges are mandatory for every ban/NBFC. The Personal Loan Vasco processing fee is 1% of the sanctioned loan amount.
2. The other is pre-closure charges which are applicable in case you wish to foreclose your loan before the agreed loan tenure. 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 Vasco EMI Calculator

You can find the Personal loan EMI calculator on DialaBank’s website.

CIBIL Score required for Personal Loan Vasco

CIBIL Score is the history of your payments that you have done in the past. The CIR (Credit Information Report) is the history of your credit score which checks your account’s history for different loans that you have taken (if any) and the credit card history (if you have).

1. Mostly a CIBIL score of 750 and above is considered good while applying for Personal Loan.
2. The better the CIBIL score, the easier it becomes to avail the loan.
3. A CIBIL score of less than 750 will require the bank/NBFC to check on other factors as well.

Get Instant Personal Loan on applying online with DialaBank.

Personal Loan Vasco Agents

Dialabank is associated with various banks and NBFCs in Vasco that provide personal loans at low-interest rates. Thus, DialaBank is the leading agent for availing Personal Loan in Vasco. You can also apply online at Dialabank or give a call at 9878981166.

1. We do not charge any extra fees from our customers.
2. We are always ready to help our applicants and are available 24/7.
3. The approval process is time-saving if you apply through DialaBank.
4. The Loan gets disbursed within 24 hours.
5. Our experts will assist you, and our relationship managers will provide guidance.

Thus, for availing personal loans in Vasco DialaBank is the immediate choice that will assist you in every step through our relationship manager.

Personal Loan Vasco Contact Number

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

Pre Calculated EMI Table for Personal Loan Vasco

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

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About Vasco

Vasco da Gama is a city on the Mormugao peninsula in Goa, western India. The coast is dotted with beaches like Baina Beach and has a natural harbour. On the headland, overlooking Varca Beach, 17th-century Mormugao Fort has 2 fountains. Dating from the 16th century, St. Andrew’s Church has gilded altars. The hilltop Japanese Garden has ocean views and contains the ruins of the Fortaleza Santa Catarina fortress.

Personal Loan in other cities in Goa

FAQs About Personal Loan Vasco

Who can apply for a Personal Loan in Vasco?

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 Vasco.

What is the tenure of Personal Loan in Vasco?

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 instalments within the agreed tenure of the loan.

Are there any other charges involved in Personal Loan Vasco?

Yes, there are 2 types of charges that one needs to pay to avail a personal loan in Vasco:

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 Personal Loan Vasco processing fee is 1% of the sanctioned loan amount.

Pre-closure Charges: Whenever you want to close a running loan before its agreed 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 Vasco get rejected due to my CIBIL score?

Since Personal Loan is an unsecured loan, one of the most important 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 skip 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 happen due to a low CIBIL Score.

Special Note: An individual must examine the whole EMI amount payable to the lender with the Personal loan EMI calculator.