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Personal Loan

Personal Loan

Personal loans are generally loans that you take for generic purposes. You can use it according to your need for various purposes like for consolidating a debt or you can use it to pay for some unexpected expenses that come your way. It is not very easy to get approved for a personal loan in comparison to many other loans.

Banks always check the eligibility of a person before granting loans. The amount that you get granted for a personal loan depends on your lender, income, and credit rating. Higher your credit score the more you can demand. This is not a recurring loan as you can borrow only once and can’t ask for a repeat payment. Once you pay off the loan, the account is closed.

The benefits of a personal loan is that it can be used for any purpose unlike house property loans, it doesn’t require any collateral security as they are unsecured loans, they have a fixed rate of interest, flexibility to decide the tenure also if the eligibility criteria of a person is approved by the bank then it can be granted within 72 hours of time.

 

The criteria for personal loans is that the people who are applicable for such loans are salaried people having a job for at least 2 years, who have a minimum earning of Rs 15000 and are aged between 21 to 60 years of age.

 

Personal loans are obtained by very few people as such loans are only granted after following the eligibility, criteria and other procedures.

 


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