Personal Loan Vinukonda

Major Personal Loan Providers in Vinukonda

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 Vinukonda Features

Are you in need of cash? Well, you do not have to worry. A personal loan is a kind of loan that is available for you. This kind of loan is not only of an unsecured environment with very fewer documents required with even lesser paperwork. This type of loan may be allowed in up to 48 hours to get approved following the process of verification.

Personal Loan Vinukonda gives financial aid assistance to all clients at an affordable as well as cost-effective interest rates. To obtain a Personal Loan, the applicant is required to have a relatively stronger and dependable origin of income and also a reasonably large credit history profile.

Also, there is no stated end-use restriction on the use of the personal loan product. This loan amount can be used in whatever way needed.

In form to apply for a personal loan, Vinukonda click on Personal Loan

Personal Loan Vinukonda 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 Vinukonda

Salaried Customers:

1. Identity confirmation(Aadhar card/driving license)
2. Statements for the payroll of the past three months.
3. Bank accounts for the last 6 months
4. PAN
5. Proof for Residency(Own/Rent/Company provided)
6. Passport-size picture – 2

*NOTE: If one lives in rented apartments, rent arrangement needs to be attached.

Self-Employed Customers:

1. All financial statements are needed(Balance Sheet, P&L Statement as well as ITR files)
2. PAN Card
3. Aadhar
4. Residence Verification
5. Passport-sized images- 2

Eligibility Criteria for Personal Loan Vinukonda

Click here to understand more about personal loan eligibility

Salaried Applicants

1. The base age of the applicant ought not to be under 21 years or over 60 years.
2. The applicant must have work knowledge of in any event three years. The coverage ought to have been moved in their stories as they were.
3. The applicant should have an outstanding credit history.
4. The job position of the applicant should be considered.
5. The borrower must have the least income of at least INR 25,000 p.m.

Click here to understand more concerning a personal loan for- Salaried Applicant

Self-Employed Applicants

1. The age of an autonomous person applying should be at least 25 years.
2. The candidate applying for a personal loan should have been filing ITR for the past three years. In case the candidate is a businessman, then the company is expected to be running well from the last 3 years.
3. The credit score of the candidate should be good and there must not be any securities or any dues pending.
4. The yearly income of the candidate should be no less than Rs 2.5 lakh.
5. The entire document verification method for personal loan approval requires the candidates to submit their financial budgets and their bank statement for the past three months.

Click here to understand more about the personal loan for– Self-employed Applicant

Why Apply for Personal Loan Vinukonda?

1. There is no hard and fast control for the requirement of depositing any mortgage or collateral as a promise to the bank.
2. A personal loan is a sort of multidimensional loan, so it can be put to use for any sort of issue.
3. The amount of personal loans is only based on the repayment capacity of the candidate.
4. A Personal Loan does not require any candidate or guarantor.

How to apply for Personal Loan Vinukonda?

1. Visit this website: Dialabank.
2. Then, go to the loan part and go to the personal loan section. It will lead you to the specific information of the personal loan where you can pick your city. For more knowledge and free administration, please call 9878981166.

Processing Fee / Prepayment Charges on Personal Loan Vinukonda

All Banks and NBFCs cost a regular fee to process a Personal Loan form. The processing fee for a personal loan in Vinukonda is 1% of the loan amount.

If you wish to close your loan before the selected loan tenure, all lending companies will be charging you a fine as a prepayment fee. Usually, you will not be entitled to close your loan ere a period of 12 months. Post that, the prices differ based on the number of years the credit has completed. This charge varies from 4% of the outstanding loan amount in the second year to 2% in the fourth year of the loan.

To learn about the interest rate tick on personal loan interest rate

Personal Loan Vinukonda EMI Calculator

Equated Monthly Installments or EMI implies a monthly solidified rate that you are needed to pay to the bank as a monthly payment for the loan amount which is obtained. According to your profile, the rate of interest on your loan is fixed. The EMI on your loan is determined depending upon the Rate the bank credits you with and the loan product you have to take and the time for which you take the loan.

CIBIL Score required for Personal Loan Vinukonda

All the leading businesses have their own rules for a minimum CIBIL score that is obliged to process a Personal Loan form in Vinukonda. Mostly, the companies need a minimum score of at least 750 to further process an appeal.

No system only looks at the overall score. They also look at a developed view of the previous loans. The details add the type of loans and the amount of money that was used. If there exists any stay in the payments of the previous loans, it may hinder the support of the present loan.

Personal Loan Vinukonda Agents

Dialabank is one of the leading agencies for availing Personal Loan in Vinukonda. You can easily apply online at Dialabank or give a call at 9878981166

Dialabank assists you to look for the most suitable option of Banks and NBFCs by giving you entrance to an in-detail market-related analysis of various banks to help you pick the right one. Tour our website Dialabank and fill out a simple form with the items of personal and employment data. Our customer relationship managers will be in touch with you soon.

Personal Loan Vinukonda Contact Number

Call 9878981166 and get timely support and approval for a Personal Loan in Vinukonda.

Pre Calculated EMI Table for Personal Loan Vinukonda

Succeed 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

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About Vinukonda

Vinukonda is a town in the Guntur district of the Indian state of Andhra Pradesh. It is a municipality and the headquarters of Vinukonda Mandal and administered under the Narasaraopet revenue division.

FAQs About Personal Loan Vinukonda

✅ Who can apply for a Personal Loan in Vinukonda?

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 Vinukonda.

✅ What is the tenure of Personal Loan in Vinukonda?

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 Vinukonda?

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

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 1% 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 Vinukonda 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.

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