Personal Loan Yamunanagar

Best Banks for Personal Loan in Yamunanagar

Personal Loan in Yamunanagar Features

Personal Loan Yamunanagar is one of the most reliable financial services which is of great significance in an internet-oriented world. It is an unsecured loan service that does not involve any of the borrower’s assets to be kept as a piece of security with the lender or the bank that will be sanctioning your loan amount.

You can any time go for a personal loan at times of monetary crisis or any other money-related issues prevailing you or your family. A Personal Loan is one of the easiest and perhaps most convenient methods of getting cash in hand instantly. It is a versatile credit facility that can tackle a wide range of money matters for eg. money required for your child’s education, going for emergency or unplanned trips, marriage within family medical issues, etc.

Personal Loan Yamunanagar Interest Rates and Charges

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

Personal Loan Yamunanagar Documents Required

Salaried Customers:

1. Identity proof (Aadhar card/driving license)
2. Salary slips of last three months
3. Bank statements for the last 6 months
4. PAN Card
5. Residence Proof (Owned/Rented/Company provided)
6. Passport-sized photographs – 2

Self-Employed Customers:

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

Personal Loan Yamunanagar in Eligibility Criteria

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

Salaried Applicants

1. The salary should be stable and regular.
2. Age criteria: 21-60 years of age.
3. Experience at Work Place: overall experience should be of 3 years and experience of 1 year in the current job.
4. Most importantly, you should possess a CIBIL score of more than 700.
5. Lastly, a person who gets his salary cash in hand is also not eligible for availing a personal loan. You must have your salary slips for proof.

Self-Employed Applicants

1. The age of the borrower varies from 25 years to 65 years.
2. Should have filed annual Income Tax Returns of 2.5 to 3 Lakh.
3. Residence Proof: Should own an office or house of his own.
4. Stability at Workplace: Should own a financially stable business that is being run for the last 3 years.
5. Again, most importantly should possess a CIBIL score of more than 700.

Why Apply for Personal Loan Yamunanagar?

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

How to apply for Personal Loan Yamunanagar?

1. Visit our official web portal, i.e. Dialabank.
2. After that, apply for a Personal Loan online.
3. Enter your contact details so that we can contact you back.
4. For more information and free guidance, you may call on 9878981166.

Processing Fee / Prepayment Charges on Personal Loan Yamunanagar

Banks charge you 2 kinds of fees on a personal loan:

1. Every Bank and NBFC charges a fee for processing your Personal Loan application. These charges are 1% of the loan amount.
2. 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 Yamunanagar 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. Based on your profile, the interest rate on your loan is determined. Your EMI is calculated basis the Interest Rate you are charged by the bank and the amount of loan you have to take and the period for which you enjoy the loan.

Personal Loan EMI Calculator is available on our website for giving you easy accessibility.

CIBIL Score required for Personal Loan Yamunanagar

CIBIL Score defines a person’s ability to pay loans in the past. The higher the CIBIL Score more easily he can access a personal loan. Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan Yamunanagar application.

Most institutions require a minimum score of 750 to process your loan application. Others may consider a 700-750 CIBIL score average enough to sanction the loan. They analyze all 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 of a fresh loan.

Personal Loan Yamunanagar Agents

Dialabank is the leading agent for availing Personal Loan in Yamunanagar. You can apply online or give me a call at 9878981166.

1. The approval process is time-saving if you apply through DialaBank.
2. The Loan gets disbursed within 24 hours.
3. Our experts will assist you, and our relationship managers will provide guidance.
4. And you get all this for free. No charges were charged by Dialabank.

Dialabank helps you to find the best option for Banks and NBFCs by providing you with a detailed market comparison of different banks so that you can make the right choice. Our customer relationship managers will soon get in touch with you.

Personal Loan Yamunanagar Contact Number

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

Pre Calculated EMI Table for Personal Loan Yamunanagar

About Yamunanagar

Yamunanagar is a city in Yamuna Nagar district in Haryana state in India. This city is known for the cluster of plywood units. It is a green, clean and prosperous industrial city.