Personal Loan Ki Jankari 2023, Bank se personal loan lena itna mushkil nahi hai.Kayi Bank ke paas kayi prakar ke personal loan hain jiske itemaal se aap apni financial situtuation me madad kar sakti hai. Jo aapke zarurat aur upar se unpredictable kharchon ke sath chipak jaate hain. Chaliye jaane in variants ke bare mein.
In this Article
Personal Loan Ki Jankari 2023
Best 3 unique variants of our personal loan
Flexi Term Loan:
Socho, aapne 2 lakh ka loan liya hai 24 mahine ke liye. Pehle 6 mahine tak, aapne regular monthly EMI bhari. Iss dauran, lagbhag 50,000 rupees wapas kar chuke honge. Fir, achanak aapko 50,000 rupees ki zarurat pad gayi. Bas, aapko My Account mein jaana hai aur 50,000 rupees apne Flexi Term Loan account se nikal lena hai.
Teen mahine baad, aapko 1,00,000 rupees ka bonus mila hai aur aap kuch hissa Flexi Term Loan wapas karna chahte hain. Is baar bhi, aapko bas My Account mein jaana hai aur Flexi Term Loan ka kuch hissa wapas karna hai. Iss dauran, aapki interest automatically adjust hoti rahegi aur aap kabhi bhi sirf bakiye par interest bharenge. Aapki EMI mein mukhya rup se pradhan aur adjusted interest shamil hote hain.
Isme dusre personal loans ke comparison mein koi bhi fee/ jurmana/ charges nahi hote hain agar aap Flexi Term Loan account se paise wapas karte hain ya nikalte hain.
Yeh variant aaj ke lifestyle ke liye perfect hai, jisme kharcha control karna kabhi-kabhi mushkil ho sakta hai.
Flexi Hybrid Loan:
Yeh ek aur variant hai jo bank ke personal loan ka hissa hai aur yeh Flexi Term Loan ke jaisa kaam karta hai. Ek farq hai ki loan ke shuruati daur ke liye, aapki EMI mein sirf lagu hone wala interest hoga. Baaki samay ke liye, EMI mein interest aur pradhan components shamil honge.
Term Loan:
Yeh kisi regular personal loan ki tarah hai. Aap ek nishchit raashi ka loan lete hain, jo equated monthly instalments mein bata gaya hota hai, jisme pradhan aur lagu hone wala interest dono shamil hote hain. Loan tenure pura hone se pehle term loan ko wapas karne ke liye ek fee lagti hai.
Bank Ke Personal Loan ke Features aur Labh:
- Chuniye wo loan variant jo aapke liye sabse behtar hai: Term Loan, Flexi Term Loan, aur Flexi Hybrid Loan.
- Flexi Term Loan mein koi bhi part-prepayment charge nahi hai.
- 20,000 se 40 lakh tak ka loan le sakte hain.
- Aasani se chuniye apne loan ki tenure, jo 6 se 96 mahine tak ho sakti hai.
- Sirf 5 minute mein approval.
- 24 ghanton mein* ya kuch cases mein approval ke din hi aapke account mein paisa.
Koi Chhupa Hua Kharch Nahi:
Bank ke fees aur charges saaf taur par is page par aur bank ke loan documents par likhe gaye hain. Hum aapko salah dete hain ki inhe dhyan se padhein, tabhi aavedan karein.
Koi Guarantor ya Suraksha Nahi Chahiye:
Aapko kisi bhi tarah ka suraksha ya guarantor dene ki zarurat nahi hai.
ELIGIBILITY:
- Nagrikta: Bharatiya
- Umra: 21 se 80 varsh*
- Naukri mein: Sarkari, niji ya MNC
- CIBIL score: 685 ya usse adhik
- Mahine ka vetan: Shuruwat Rs. 25,001 se, aapke rahne wale shehar ke hisab se
DOCUMENTATION:
- KYC dastavez: Aadhaar/ passport/ voter’s ID/ driving license/ NPR se patra/ NREGA job card
- PAN card
- Karmachari ID card
- Pichle 3 mahine ke vetan patr
- Pichle 3 mahine ke bank khate ki vittiye suchi
Toh, aapko samajh gaya hoga ki 2023 mein bank se personal loan lena kitna aasaan hai. Bas, bank ke alag-alag variants mein se ek chun ke, aap apne jarurat ke hisab se loan le sakte hain. Aur yaad rahe, bank ke saath, koi chhupa hua kharch nahi hai, sab kuch saaf-saaf hai!
