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Benefits Of Personal Loan

Humaare desh mein personal loan sabse felxible aur jaane pehchaane borrowing intruments hain. Inn unsecured financing suvidhaaon ka paryog kisi bhi udeshya se kiya ja sakta hai. Ye aksar competitive byaj daron par uplabd hote hain jo kisi vitya lakshya ya kisi aapaat sithi mein liquiditiy ki kami ko door karne ke liye ek upyogi tatha asaan saadhan sabit hota hai. Peronsal loan iss anishchitatta ke samay aapko peson ki jarurat ko poora karne mein bahut upyogi sakta hai. Lekin, Kuchh logon ka maanna hai ki personal loan bahut hi mehnge hote hai hain, Aur unke saath bahut adhik charge judey rehte hain, Aur ve ise aakhiri vikalp maante hain. Unki es soch ke vipreet, personal loan udhaar karta ke liye bahut anukool saabit ho sakta hai aur aksar udhaar lene ki anek stithiyon mein sabse achha vikalp sabit hota hai. Adhik jaane ke liye aayiye personal loan lene ke kuchh ullekhniye fayde ki jaanch karte hain. 

Koi Control Ki Jarurat Nahi Hoti 

Personal loan unsecured shreni mein ata hai aur aavedak ko loan ke liye koi security nahi deni padti hai. Aam tor par bank aadharkarta ki income, cash flow, credit score aur repayment shamta ka muleyankan karte haim, jiske aadhar par ve loan rashi ki eligibility aur svikarya byaj dar tey karte hain. Achhi repayment shamta, achha credit score (750-800), aur aaye ki stithi se aavedak ko uchit daron par personal loan lene mein sahayata mil sakti hai.

Loan Ke Istemaal par koi Pratibandh nahi 

Adhikaash loan products jaise home loan, car loan, two-wheeler loan aadi ke saath loan ke istemaal par pratibandh judey rehte hain. Jabki, personal loan mein, udhaarkarta ko kisi bhi udeshya se fund ka istemaal karne ki azadi milti hai- fir chaahe veh kisi badey kharche ko poora karna, ghar ki renovation ho, shadi ho, chhutiyan manaane jana ho, khud ki ya bachhon ki uchh shiksha ho, kuchh bhi ho sakta hai. Ab, khaas udeshyon ke liye loan ke maamle mein, udhaarkarta dwara vikreta ya apoortikarta ko seedhe hi loan ka bhugtaan kar diya jata hai. Doosri taraf, personal loan lene ke udeshya ko batana jaroori nahi hai, lekin aapko jua aadi khelne aur udhaar lekar nivesh karne ke liye funds ka istemaal nahi karna chahiye. 

Personal Loan Interest Rate

Personal loan par interest rate aur charge, har ek maamle mein alag alag ho sakta hai jo loan ke aakaar, avdhi, udhaarkarta ke credit score aadi par nirbhar kar sakta hai. Aam tor par, Loan ki adhik aur nimn credit score ke kaaran unchi byaj dar li jaati hai. Personal loan byaj dar ki shuruaat 8.90% prati varsh hoti hai aur udhaarkarta par nirbhar karte hue 25% prati varsh tak, yadi isse adhik na ho, tak so sakti hai. Pratishthit companiyo ke karamchariyon aur aise udhaarkarta jinke bankon ke saath lambay samay se madhur sambandh hote hai, unhe aksar nyuntam uplabd daron ki offer ki jaati hai jo udhaarkarta ke niyam aur sharton par nirbhar karti hain, vishesh roop se yadi aapka credit score bhi achha hai.

Flexible Avdhi 

Personal loan ke saath felxible repayment avdhi judi rehti hai jo aamtor par 12 mahinon se 60 mahinon ke beech mein hoti hai, jabki iske saath kuchh upvaad bhi judey rehte hain jisme yeh avdhi 72 mahino se 84 mahino tak ho sakti hai, jo udhaarkarta ki niti aur udhaarkarta ke yogyta maandando par nirbhar karti hai. Personal loan ke saath repayment aur pre-closure charge bhi judey hote hain, lekin kuchh udhaarkarta apne niyam aur sharton ke aadhar par es prakaar ke charge ko maaf kar dete hain, saath hi anek udhaarkarta aise loan 22 varsh se 60 varsh ki aayu ke vyaktiyon ko dete hain. 

Badi Rashi Ke Loan Ki uplabdhta 

Yadi aap badi rashi ka unsecured loan lena chahte hain toh PhonePe Loan le sakte hain. Iske liye aapko apne chune gaye udhaarkarta ke patrata mandando ko poora karna hoga. Adhiktam loan rashi ka nirnay kart samay, eligibility maandando ki aaklan karte samay, bankon bhaavi udhaarkarta ki aayu, sabhi vitya daayitavon ko poora karne ke baad net maasik income, naukri ki sthirta, aur credit score ki jaancha karte hain. Adhikaansh bankon dwara adhiktam 25 lakh rupay ka personal loan diya jata hai. Tey dayitav aur aaye ke nimn anupaat se badi rashi ke personal loan ko manjppri payi ja sakti hai. Mojuda vitya dayitav jaise anya loan EMI aur credit score bakaya rashi ke kaaran adhiktam loan rashi patrata kam ho sakti hai.

Pre-Approved offers ke maamle mein sheegra disbursal

Yadi aaone achhe banking rishte banaye rakhe hain, toh aapko pre-approved personal loan offer pradaan kar sakta hai. Ye nayuntam paper work ke saath tatkaal loan hote hain. Loan ka aavedak bank dwara pradaan kiye gaye link ke madhyam se ya online banking mein login karke kiya ja sakta hai. Aapke dwara savikaar kiye jaane ke baad rashi ko kuchh hi minton mein seedhe aapke bank khaate mein credit kar diya jata hai. Byaj dar, rashi paatrata, avdhi aur sabhi prakaar ke charge ka ullekh loan aavedan ke samay hi kiya jata hai