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Personal Loan Chandigarh

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    All About Personal Loan Chandigarh

    A personal loan is the easiest way to overcome your financial crisis. It is a life saver. As the name suggests, a Personal Loan may be opted by an individual due to an urgent requirement of cash, for example, any medical issue, education purpose or wedding or to fulfill any of your other personal needs. Avail your Personal Loan in Chandigarh and turn your dreams into reality.

    Interest Rates of Personal Loan Chandigarh:


    Many NBFCs and banks provide personal loans at different rates. Generally, personal loans are offered at 10.75% annually. The interest rate varies according to the customer’s need as higher the loan amount lesser will be the interest rates.

    To know more: Personal Loan Interest Rates

     

    Eligibility Criteria for Personal Loan Chandigarh:


    Both Self-employed and Salaried applicants can avail a personal loan, but the criterion is different for both the customers.

    For Salaried:

    Firstly, the borrower should be an Indian citizen.

    Secondly, the applicant’s age should be at least 21 years.

    Next, the applicant’s age should not be above 60 years.

    After that, the borrower should be working in a company from the last three months.

    Minimum net salary of the customer should be Rs 18,000 per month.

    Minimum gross salary of the customer should be Rs 20,000 per month.

    For Self- Employed:

    Firstly, the borrower should be an Indian citizen.

    Secondly, the applicant’s age should be at least 25 years.

    Next, the applicant’s age should not be above 65 years.

    After that, the person should be carrying his/her business for at least three years.

    Next, the customer should be filing his/her Income Tax Returns at least for three years with a minimum amount of Rs. 2.5 lakhs.

    Foreclosure of Loan:


    A foreclosure facility is available for the applicant if he/she wants to close the loan before the date of tenure. The banks charge a very nominal amount as foreclosure charges.

    Documents Required for Personal Loan Chandigarh:


    The borrower doesn’t require too many documents for availing a personal loan. Some necessary documents are needed, and they are mentioned below:-

    Identity Proof – An Aadhaar card/ Passport/ PAN card/ Ration card/ Voter card.

    Residence Proof – Aadhaar card/ Ration card/ Voter card/ PAN card/Passport/rent agreement on the name of the applicant/ Utility bills on the name of the applicant.

    A salaried person should have salary slips of at least the last three months.

    A self- the employed person should have Income Tax Returns of at least last three years.

    Two coloured passport size photographs.

     

    How to Apply Online for Personal Loan Chandigarh?


    First of all, you have to visit our website, i.e. lendingwale.com .

    Secondly, fill your details on the form.

    Once you are done with formalities, all you need to do is relax. Our relationship manager will contact you.

    After that, our relationship manager will select the best loan scheme for you.

    At last, once you have decided from which bank you want to avail the loan; our relationship manager will help you to get your loan disbursed.

    What are the benefits of taking Personal Loan Chandigarh?


    First of all, the applicant doesn’t have to pledge any security.

    Secondly, the process is speedy.

    Next, it requires minimum documentation.

    A personal loan gets quickly approved.

    After that, the customer doesn’t need any guarantor.

    Besides all these, the loan disbursal is speedy. 

    Why Personal Loan Chandigarh?


    Personal Loan Chandigarh

    Firstly, we don’t require mortgaging any asset against the loan amount.

    After that, the process of loan approval is quick and hassle-free.

    It requires very minimal documentation for loan approval.

    At last, we won’t require any guarantor for loan approval.

     

    About Chandigarh


    Chandigarh, the capital of the northern Indian states of Punjab and Haryana, was designed by the Swiss-French modernist architect, Le Corbusier. For more information, please visit lendingwale.com