All About Personal Loan Haldwani
What is Personal Loan Haldwani?
Personal Loan Haldwani is an unsecured loan taken by individuals from a bank or a non-banking financial company to meet their personal financial needs. It is provided on the basis of key criteria such as income level, credit and employment history, repayment capacity, etc.
Personal Loan Haldwani Interest Rates:
Various NBFC’s and commercial banks provide personal loans at different interest rates. Generally, a personal loan is offered at 10.75% per annum. The interest rate varies according to the person’s need as higher the loan amount lesser will be the interest rates.
Eligibility for Availing a Personal Loan Haldwani:
Both salaried and self-employed applicants can get a personal loan, but the criterion is different for both the applicants.
For Salaried:-
First of all, the applicant should be an authorised citizen of India/ Permanent Resident.
Secondly, Minimum age of the applicant should be 21 years.
Next, the applicant’s maximum age should not be more than 60 years (after the loan.)
After that, the applicant should be working in an organisation for at least three months.
Minimum salary of the applicant should be at least 18,000 per month.
The applicant should be getting his salary in the bank account.
For Self- Employed:-
First of all, the applicant should be an authorised citizen of India/ Permanent Resident.
Secondly, Minimum age of the applicant should be 25 years.
Next, the applicant’s maximum age should not be more than 65 years (after the loan.)
After that, the applicant should be carrying his business for at least three years.
Next, the applicant should be filing his Income Tax Returns at least for three years with a minimum amount of Rs. 2.5 lakhs.
Tenure of Personal Loan Haldwani:
Generally, the tenure of Personal Loan is 1 – 5 years, but it depends on the customer and his paying capacity.
Foreclosure of Loan in Haldwani:
The applicant can avail foreclosure facility if he is having enough funds and doesn’t want to pay the future Installments. The applicant can avail the foreclosure facility to close the loan before the Tenure. The banks and NBFC’s charge very nominal amount as foreclosure charges.
Documentation required for Personal Loan Haldwani:
The applicant doesn’t require a lot of documents for availing a Personal Loan. Some basic documents are required, and they all are listed below:-
Identity Proof – Aadhaar card/ PAN card/ Ration card/ Voter card/ Passport.
Residence Proof – Aadhaar card/ PAN card/ Ration card/ Voter card/ Passport/ Utility bills on the name of applicant / rent agreement on the name of the applicant.
A salaried applicant should have salary slips of at least the last three months.
A self- the employed applicant should have Income Tax Returns of at least last three years.
Two latest coloured passport size photographs.
How to Apply Online for Personal Loan Haldwani?
Firstly you have to visit our website, i.e. www.lendingwale.com.
Secondly, you should fill your necessary information on the form.
Once you are done with all the formalities, relax and chill. Our relationship manager will soon be in touch with you.
After that, our relationship manager will compare and select the best loaning scheme for you.
At last, you decide from which bank you want to avail the loan; our relationship manager will help you to get your loan disbursed.
Personal Loan Haldwani benefits:
First of all, there is no need to pledge any security.
Secondly, the process is straightforward and speedy.
Next, it requires minimal documentation.
The loan gets quickly approved.
After that, the applicant doesn’t require any guarantor.
Besides all these, the disbursal of the loan amount is fast.
About Haldwani
Haldwani is the second most populous city, the largest commercial market in the Indian state of Uttarakhand. If you are in an urgent need and have any query please visit www.lendingwale.com.