Personal Loan Gola

Now and then we see ourselves stuck in some financial problem in which we don’t know how to get out, so we find ourselves seeking help through different kind of aids available in the market. A personal loan is one that an individual can avail to get remedy from his problem as many financial companies and banks provide this loan without mortgaging any property against the loan money.

Features of the Personal Loan Gola

  1. Income and repayment capability of the person plays an important role in personal loan.
  2. It is a multi-purpose offer one can apply for almost all financial problems of life.
  3. No property need to be put as collateral to the lender.
  4. Gurantor is not needed.

There are some criteria which are required to follow like salary, residence, CIBIL score, etc. There is no need for depositing any security or mortgage. Every bank has its own loan criteria. Some go for high salary customers, and some mainly focus on the previous repayment capabilities.

Personal Loan Eligibility Criteria Gola

Personal Loan have some eligibility criteria based on which bank approves the applicant loan request. There are two categories of applicants:

  1. Salaried
  2. Self-employed        

There are various eligibility criteria for both applicants.

Know more: EMI Calculator

Salaried Applicant:

  1. A borrower from the metropolitan city should have a minimum income of Rs 18,000. And for non-metropolitan city, the minimum salary should be Rs 12,000.
  2. The required minimum age of an applicant should be 21 years and maximum up to 60 years.
  3. The borrower must have three years of work experience, and the salary should be received in their account only.
  4. The Job location of the applicant.

Self-employed Applicant:

  1. The person applying for a Personal Loan should file ITR for the last three years.
  2. The minimum amount should be of Rs 2.5 lakhs per annum at least.
  3. The age requirement of a self-employed person should be 25 years.
  4. And if the applicant is running a business than his business should be running at least from last three years
  5. A credit score of the applicant must be good, and there should not be any debt left due.
  6. The whole documentation process is straightforward; the applicant has to submit his financials and his bank statement of the previous three months.

Personal Loan Gola Documents

  1. Residence proof: The documents required as proof of residence are:  (Passport/Id card/voter card/driving license/Ration Card/Aadhar Card).  And the applicant living in a rented apartment, then he has to submit his rental agreement, electricity bill on his name and the address of the owner.
  2. Identity proof: As a verification document, one should especially require one among the following:  (Passport/Id card/voter card/driving license/Aadhar Card) any one of them.
  3. Under, KYC formality: The applicant has to provide his PAN card which is an important document.
  4. Self-employed: The person applying for a personal loan should file ITR for the last three years, and the business should be registered.
  5. Salaried applicant: The applicant has to submit his bank statements of the last six months and the salary slip of the last three months.
  6. Two colored passport size photos. (Applicant should not be wearing glasses)

Personal Loan Gola Interest Rates

The interest rates in Personal Loan may vary from person to person as it totally depends upon the salary of the applicant and the company's profile. The interest rate of personal loan starts from 10.75% per year.

More About: Interest Rates on Personal Loan

Personal Loan Gola Tenure

  1. The tenure of the Personal Loan is from 1 year to 5 years.

Why your decision of choosing Dialabank is right ?

  1. We provide our services 24/7 and are always ready to help our applicants.
  2. We provide you assistance from the experts, and our relationship managers will guide you throughout this process.
  3. The approval of personal loan does not take time if you applied through dialabank. The loan get disbursed within 24 hours.
  4. We quickly pick-up the documents start the whole process of sanctioning loans
  5. Dialabank does not charge any extra fees from its customers.

How to apply?

  1. Visit www.dialabank.com.
  2. Go to the loan section and select a personal loan link.
  3. The applicant will be directed to all details of the personal loan where they can choose their preferred city.
  4. For more information and free guidance, they may call on 9878981166.

About Gola

Gola is a place in Jharkhand, India. It is very easy and effortless process to take personal loan, when you will apply through Dialabank. In personal loan there is no need to mortgage any property as it is a secured loan. so, it is very beneficial for an individual to take personal loan, all you have to do is to visit www.dialabank.com or call on 9878981166.

Personal Loan Interest Rates: Updated

 

Bank

Interest Rates

HDFC Bank

10.99% to 18%

ICICI Bank

13.99% to 18%

Fullerton India

17.25% to 32%

Bajaj Finserv

13.99% to 16.75%

Axis Bank

15.50% to 24%

Standard Chartered Bank

15.75% to 22%

Kotak Mahindra Bank

13.75% to 19%

Andhra Bank

13.50% to 22%

Bank of Baroda

13.50% to 19%

Vijaya Bank

13.75% to 22%

Corporation Bank

14.50% to 20%

Allahabad Bank

13.70% to 20%

 

 

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