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Everything You need To Know about Personal Loan

Read this article to know why Personal Loans are a convenient way of financing your expenses. Apply for personal loan: https://www.bajajfinserv.in/finance/personal-loan/salaried-personal-loan.aspx

Everything You need To Know about Personal

Everything You need To Know about Personal Loan Read this article to know why Personal Loans are a convenient way of financing your expenses. If you’re in need of immediate cash and have a decent credit score, most banks and NBFCs will be willing to offer you a Personal Loan. Personal Loan eligibility ​varies from one lender to another and is based on your income, credit score, age, and financial stability. You also need to possess important documents like KYC certificates, salary slips, and IT return forms. People apply for Personal Loans for a lot of reasons. You can use a personal loan to invest in business, pay for unexpected medical expenditures, and even to fund your vacations. Here are a few things that you ought to know before you apply for a Personal Loan. 1. It’s Unsecured Personal Loan is an unsecured debt and you don’t need a collateral to avail one. So, if you default, you don’t stand to lose much . However, it will reflect poorly on your credit score and might diminish your chances of getting another loan in the future. Realising the power and connectivity of the internet, banks and NBFCs have made it ​easy to apply online for a Personal Loan​. You don’t need to visit a financial institution to apply for the loan or even to get it approved. You just need to fill up an online form and a representative will end up at your doorstep to collect documents and save you a lot of time and energy. Such loans get approved within minutes and once sanctioned, the money gets credited to your account in 3­4 days. 2. It’s Easy and Convenient Your Personal Loan amount depends on your eligibility, credit score, and income. As a rule of thumb, the higher your income and credit score, the more you can borrow. A few banks and NBFCs also have a limit on the amount of money you can borrow through a personal loan. However, most of the time that limit is enough to generate enough capital for emergencies, and any situation which would otherwise require you to liquidate your assets. 3. Interest Rate Stays Fixed (usually)

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