Apply for personal loan to meet your urgent funding needs

Take a Step forward to turn your dreams into reality with an instant personal loan online. Avail personal loan up to 80 lacs in just 72 hours. At present, there are many Non-banking financial companies which are ready to endow the applicants with the best possible funding facilities in the least duration. The best part about these NBFC’s is that these companies have a simplified and quick application process.  

Personal loan eligibility:

To apply for a personal loan, the applicant should be able to fulfill specific eligibility criteria as required by the lender. Have a look at the below mentioned points mentioning the eligibility for personal loan.      

The borrower:   

• Should Have a good CIBIL score

• Should not be less than 23 years of age

• The maximum age limit is 60

• Should not have any outstanding amount on credit card or other loans

• Should have a minimum monthly salary of 15000 to repay the loan amount

• Should be working in private limited, proprietorship or partnership company

• Salary should be credited in the account or by cheque

Documents to be submitted for a personal loan application:  

• 3 months salary proof

• Identity proof: PAN card, aadhar card  

• 3 months bank statement

So, if you are looking forward to go for your dream vacation, get your home renovated, go for higher education or manage a wedding, taking an instant personal loan would be the best option. Now the NBFC’s are offering personal loan at 11.25% interest rate and if the loan amount is more than 20 lacs then the percentage goes down to 10.75 percent.

Now, manage all your sudden financial needs by taking a personal loan through a reliable reputed financial institute as a lot of those are available online. All you need to keep in mind is just be cautious while choosing one for you.     

Benefits of Refinancing your Home Loan

The lowest Interest rate is the deal that we all seek. Even after getting the loan we look for opportunities to get better interest rate. You can also get your best deal on ICICI Bank Home Loan Interest rates at LoanAdda.  If you have also availed the loan at a particular interest rate but you want to switch the lender for interest benefits, you can make use of Home Loan refinancing.  You can reduce your EMI by choosing home loan balance transfer, also called Refinancing home loan.

Here are the few benefits of refinancing your home loan

1.    Lowering your interest rate:

While there are best personal loan offers available online. For a Home loan, Interest rate is the most crucial thing. Everyone seeks for a better interest rates and that is the main objective of switching the lender. You can move to a lender who provides home loan at lower interest rates than your existing lender. This will lower your monthly EMI and make repayment more convenient.

2.    Stress-free repayment

If the current lender is unwilling to negotiate and is stuck to his rigid terms, the repayment becomes difficult. While by shifting the lender, such as Bajaj Finserv, you can enjoy three EMI holidays. By delaying your EMIs by three months at the begging of tenure, the purpose is to give you time to arrange the funds and manage other expenses in the first 3 months.

Also, it offers you to foreclose or prepay your home loan at any time without paying any fees.

3.    You can customize repayment using flexi Hybrid Facility.

Bajaj finserv’s Flexi Hybrid loan allows you to pay interest only EMIs for up to 4 years at the begging of tenure. Thereafter, you can pay full EMIs. This Unique facility of Bajaj makes repayment affordable and thus reduces burden. You can later pay EMIs consisting of Interest and Principal amount.

4.    You can enjoy additional benefits

Online account management, top-up loans are other benefits that you can take, depending on the lender you choose. Now a days you can apply online for Personal loan and other kinds of loans. Online account management allows you to get all information related to your home loan, online. While top-up loan enables you to get additional funds for your home improvements, education etc.

Compare your current EMI against the new EMI, before you finally decide to refinance your home loan. It is advised to avoid shifting lenders for marginal differences in Interest, Switch your lender only if your savings are significantly higher.

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  Valuation of Property

THIS IS DONE BY BANK'S LAWYER WHICH DEPENDS ON CIRCLE RATE OF PROPERTY

Collateral

This is the property or asset that the borrower gives to the lender as security.

Title of Property

Whether title is clear or there is a dispute. Generally 12 year record is searched.

Who is a Borrower

A person who recieves funds in the form of a loan with the obligation to repay the loan in full

Joint Loan Ownership

This happens when two individuals, usually spouses, buy a property together.

Loan Transfer - LoanAdda

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To repay home loan quickly you can wither make partial prepayment, switch home loan to other bank with lower interest rate or increase EMI

Credit Card - LoanAdda

If you have the below requirements fulfilled then you can avail a credit card in no time.

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Floating Rate of Interest

The ROI changes based on the base rate, which is minimun ROI given by the bank i.e. banks will not lend below this rate.

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