How To Get a Personal Loan? And Eligibility!

A personal loan is a personal loan taken from any bank or financial institution that offers various types of loans. There is no specific reason for this type of loan, you can take this loan for any purpose of your personal life, it is not the case with any other type of loan. It is completely up to the borrower that how he will use it like suppose there is a medical emergency in your house then you can take this loan immediately, or you have to complete any of your problems but you are more complicated for that. If you do not want to go through the paperwork, then you can fulfill your dream by taking Presnol Loan. Paysense can help you the most in this work. Paysense gives easy loan up to 2 lakhs to its customers without any conditions. Not only this, there are many other benefits of personal loan.

It is very easy for first time borrowers as they do not have to fulfill any condition in return for the loan. You can repay the loan in small installments as per your convenience and the EMI of this type of personal loan is also fixed so that you do not have the burden of paying all the money in one go, you can also complete your work in easy installments and repay the loan can also.

How to get a Personal Loan?

You can use a personal loan to meet any of your needs, so it is better than any other loan.

Identify your need and see how much loan you need. For example, your house is being built and you need Rs 1 lakh urgently or you are about to get your first car for which you need up to Rs 2 lakh and none of the relatives is going to give you, then you can quickly Can take loan. Keep in mind that take the loan as much as you can easily repay because you also have to pay interest on the loan amount, if you talk about the loan amount, then according to your monthly income, that means, on the basis of how much you earn every month, you will have to paysense. Offers loans ranging from 5000 to 2 lakhs.

Eligibility:

Once you have determined the loan amount, check your eligibility. Using a personal loan app, you can find out for yourself how much loan you can get based on your income. It all depends on your income that how much loan bank or any finance agency can give you. The better your income, the more loan you can get. Now you have two sources of income, one is you are in some employment means job and from there you get income and secondly you have your own business from which you get a certain amount every month. Now if you are in a job then your minimum income should be 18000 and for businessmen at least 15000 per month then you can take loan from Paysense. Looking at your salary, PaySense will decide how much loan can be given to you.

Planning to repay your personal loan:

Using the features offered by Paysense, you can choose your EMI amount and pay it according to your monthly income, keeping in mind your convenience. This feature is not provided by every finance company or bank, on the basis of which it can be said that Paysense is special. While choosing the EMI, take special care that the payment amount should be fixed so that both your pocket and health are not affected.

Apply for personal loan:

With the help of Paysense app, submit all the documents from the phone itself and get money directly in the account. You do not even need much documents for this. All you need is an ID proof (PAN Card, Aadhar Card), Address Proof (Rent Agreement, Aadhar Card), Income Proof (Bank Statement) and a photograph.

Once the documents are complete, Paysense will check them and approve your loan within a few hours and you will get the loan within a few days in the account of your choice. EMI will also be taken from this account as per your convenience.

How to take loan from mobile?

If you need a loan, then we will inform you about taking a personal loan through mobile. Here we will provide you the information of two apps and complete information on how to apply, so that you can take a loan.

  • Money Tap App
  • Dhani App

How to take loan from Money Tap App?

This company is also a personal loan company, through which you can take a loan online. With this you can get a loan of 3000 to 5 lakhs. Money Tap App is a credit line app, it is also helpful in credit card along with personal loan.

  • To take a personal loan from Money Tap App, first you have to install it on your phone. Click here to download Money Tap .
  • After downloading the app, create an account with your Gmail ID.
  • After that enter all the information asked in it, from which you will get the message of Pre-Approval.

Then after the final approval, the agent will come to your home to verify your documents and KYC from the bank and complete your personal loan formalities.

How to take loan from Dhani App?

If you want to take a loan from Dhani Mobile App, then you have been given all the information to apply here, you should have a look at it. With this app you can get loan from 1000 to 15 lakhs. Also, you will have to pay 12% to 28% of it.

  • To take loan from Dhani App, first you have to install this app in your phone. Click here to download the app .
  • Now sign in / sign up by entering mobile number so that your account will be created in Dhani App.
  • After that you will see the option of personal loan, click on it.
  • After that you have to fill some information and then click on Next button.
  • Now fill your information and submit, so that after 24 hours a notification will come on your mobile whether you will get the loan or not.

If your loan is passed, then you will be asked for your account number and IFSC code, after which the loan will be transferred to your bank.

Documents Required for Personal Loan

To take a personal loan from the bank, you have to submit some documents, which are as follows-

  • Proof of Identity ( Aadhaar , Passport , Driving License , PAN Card )
  • Proof of residence (Aadhaar Card, Passport, Residential Certificate)
  • Proof of Income (Salary slip of last 3 months as well as bank statement of 3 months
  • passport size photo
  • mobile number

Personal Loan Terms & Eligibility

Certain terms and conditions have to be followed by banks on personal loans as well. First of all, the bank customer’s income, employment history and loan repayment ability is assessed by the bank manager. After reviewing all these aspects in various ways, the loan is approved. The eligibility for taking personal or personal loan is as follows-

  • The applicant must be an Indian citizen.
  • The age of the person taking personal loan should be between 21 years to 60 years .
  • If you work in a private organization, then your monthly salary should not be less than 15 thousand rupees.
  • If you are a businessman, then your monthly income should not be less than 18 thousand rupees per month.
  • Applicant must have at least 1 year work experience.

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