How to get a personal loan and what needs to be done :- Friends personal loan is one of unsecured loans. Some conditions have to be completed in order to get it. Such as how much you have to pay for a personal loan or if you have any other means of earning. On the basis of which, the bank decides that loans will not be given.
If a person does a job then he will have to meet these requirements: –
- If a person does a job then he will have to meet these requirements: –
If your job is above 18000 thousand rupees then you can apply for personal loan. There are some banks that require minimum salary of 18000. But most of the banks do not offer loans for 18,000 rupees. If you want to get a loan easily, then your minimum salary should be between 20000 thousand to 25000 thousand. Then you can take a personal loan. Otherwise your application can be canceled by the bank.
- Secondly, if you have your own home then you will not be able to get a personal loan more easily and your loan will be accepted comfortably. Those people who work outside and they stay in the property of a rent can suffer a little bit, but if you show your taxpayer’s bill or water bill in the address of the house address, then it will also go. Keep in mind that the bank never asks for the proof of the rental agreement with the Maker owner in the personal loan. So you should not give the rental agreement paper.
- You will have to give your address papers, such as Addhar card, PAN card, 6 months old bank statement, 2 photos, Company ID card, 2 contact number, any of your knowing, 3 month salary slip has to be given.
- If your personal loan is accepted then you will have to give three clear checks to the bank, and you will have to sign a responsible person. Only then will you get a personal loan.
- To verify your verification, the bank’s man will go to your rental home to do your verification and your company will also visit. If you do not get any negative response then only your personal loan…
- Before taking a loan, ask the bank what rate of personal loan you get and what your monthly installment will be. By the way, all these instructions will tell you as soon as the bank official is accepting the loan.
- The last and the biggest point Any bank is sure to check your civil before giving a personal loan. If your civil score is good then you will get a personal loan easily. If your civil score is not good then you may have a problem getting a personal loan.
Who is the best bank for getting personal loan :-
Personal loan is easily available if your salary is above 20000 thousand and your score is good. Many banks do not offer personal loans for salaries of 20000 thousand rupees, such as Axix Bank, Hdfc Bank, Oriental Bank of Commerce Bank, State Bank of India Bank, ICICI Bank and these banks do not offer personal loans for salaries of 20000 thousand rupees.
If your salary is 20000 thousand, you should apply in Kotak Mahindra Bank. From that you will get a personal loan easily on such salaries.