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It Is A Loan That Establishes Consumer Credit That Is Granted For Personal Use, Usually Unsecured And Based On The Borrower's Integrity And Ability To Pay.
Personal Loans Typically Dont Require Any Guarantor Or Security. It Requires Only Minimal Documentation And Is Available For Both Salaried And Self Employed.
Minimum 1 year — maximum 5 Years. The shorter the loan duration; the higher are the EMIs and vice versa.
Interest rates on personal loan range from 10 per cent to 20 per cent.
If there is a delay in paying off the monthly EMIs, banks will levy a late payment fee with the EMI. It usually is in the range 2—3 percent.
Unlike secured loans personal loans are subject to pre and part payment charges. The pre closure charges for personal loan may vary from bank to banks/NBFCs and are approximately between 2-5% of the balance outstanding amount.
|1||Age Proof (PAN Card, Passport, Any other Certificate from Statutory Authority)||Age Proof (PAN Card, Passport, Any other Certificate from Statutory Authority)|
|2||Residence Proof (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority)||Residence Proof (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority)|
|3||Latest Salary-slips for 4 months||Certificate & Proof of business existence along with Business Profile|
|4||Form 16 for last 2 years||Last 3 years Income Tax returns (self and business) with Profit & Loss Account & Balance Sheets duly certified/audited by a Chartered Accountant|
|5||Processing Fee Cheque in favour of bank.||Last 12 months Bank Account Statements (self & business)|
Loanfasttrack is a free service provider. It is one of the best personal loan provider companies. Loanfasttrack has a dedicated professional team that helps you to make smart decision on comparative evaluations of best personal loan offers and best personal loan rates of all banks. It is one such online platform for easy personal loans comparison, which helps you to know your personal loan eligibility and to secure your chance to get a low interest personal loan at a single click. You no longer have to worry on “Which bank gives lowest interest rates for unsecured loan”, Loanfasttrack guarantees instant personal loan application with the lender bank/NBFC with the best personal loan interest rates.
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