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Author: admin | Category: Calculatrice Pret Auto | Date: 23.04.2015

The first and the foremost thing lender’s take into consideration is the income of the borrower. Apart from the cash flows, borrower’s credit score also plays a major role in rejection or accepting loan application. In addition to above factors, there are few other points taken into account such as an age of the applicant, remaining job years, type of job, relationship with the bank etc.
You can give single document for both Photo ID and Address Proof such as Passport Copy, but a copy of PAN card is must. Usually, the above-mentioned list of documents is sufficient to get loan approval but the bank may ask for any other documents also. The cost of taking a personal loan is very high and sometimes becomes cumbersome task to bear the cost, so it is advised to go for a personal loan only at the time of utter need. This is a Gues Post written by Rakesh Jain, who is working in a private bank and blogs frequently. is started by Sanyam Jain, a commerce student who loves to share his knowledge and believe on “Sharing is Caring”. How much is the rate of interest rate on Personal Loan plan offered by Punjab National Bank (PNB) to an Individual ?
Punjab National Bank (PNB) provide Personal Loan plan to fulfill the financial need for expected and unexpected expenses . My father wants to take Personal Loan from Punjab National Bank (PNB) so would you please give me some information about Personal Loan Scheme? Punjab National Bank serves over 80 million customers, it is an Indian financial services company which was founded in May 19, 1894. All permanent Defence Personnel including officials of Military Station Headquarters, Border Security Force, Central Reserve Police Force, Central Industrial Security Force, Indo Tibetan Boarder Police, etc.

I am thinking to take Personal Loan from Punjab National Bank now I want to know about PNB Personal Loan Interest Rate so would you please give me some information about it?
Punjab National Bank (PNB) is an Indian financial services company based in New Delhi, India and it was established in 1895 and the bank has over 5,800 branches and over 6,000 ATM's across 764 cities. Icici bank car loan – get details on interest rates, emi, documents and eligibility for icici car loan. Icici personal loan emi calculator icici bank personal loan interest rates 2016 check eligibility instant 7 min approval apply online . Icici bank personal loan interest rates, calculator - aug 2016 icici bank personal loan - rates, features. Loan finance - icici bank offers wide variety loans products suit requirements include home loans, personal loans, commercial vehicle loans, car.
Copyright © 2012 Share The Knownledge, All trademarks are the property of the respective trademark owners. Being one of the quickest loans, personal loans become handy when it comes to financial urgency. Income together with the living expenses decides the repayment capacity of the borrower and the rate at which the loan will be granted is thoroughly based on this. Credit Score is a journal of borrower’s payment history of various dues and delinquencies he made while paying any dues such Medical bills, credit card dues and other financial obligations. Along with Photo ID, Address Proof is also required to furnish which can be a copy of passport, Aadhar Card, Voter ID, Ration Card, Latest Telephone Bill, Latest Electricity Bill etc. Income Proof which includes Form 16 of Last 2 years, IT Return of last 3 years and Salary Slip of last 6 months. In case the applicant is self-employed, the documents including audited balance sheet of last 3 years, Income Tax Returns of last 3 years, Service Tax or Sales Tax Return, Business Registration Document, Registered Office Address etc.

Many banks offer the online facility for applying Personal Loan for example Axis bank grants personal loan via Mobile Application.
Personal loans are personal in nature, so there is no need to disclose the reason of taking it to the banks. Personal Loan comes with varied tenures and interest rates to choose best, according to your need. He writes article on Taxation, Financial Planning, Investment and give reviews on IPO and Insurance Schemes. Please give me the interest rate or any website from where I can get detailed information about interest rate. However, loan request of Defence Personnel, who are due for retirement within next 24 months, may not be entertained. Although, family and friends are there to offer you their best support, but everyone has their own personal obligations to look out for and their contribution may not be sufficient to fulfil you requirement.
In case the borrower is a high earner, but his expenses are also high than he may get a loan at high interest and vice-versa.
The credit score of 750 is considered good and can be obtained from CIBIL by paying minimum charges.
This information is asked to make sure that the account is operative as well as to ascertain the monthly cash flows. Since Personal Loan is an unsecured loan, the lender takes due diligence while granting the loan.

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