पर्सनल लोन/ व्यक्तिगत ऋण के लिए योग्यता

Home व्यक्तिगत ऋण: योग्यता, ब्याज़ दरें और लोन आवेदन पर्सनल लोन/ व्यक्तिगत ऋण के लिए योग्यता
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सबसे कम ब्याज दरों पर पर्सनल लोन पाएं

पैसाबाज़ार सबसे कम ब्याज दरों पर व्यक्तियों को पर्सनल लोन देता है। अपनी जानकारी भरें और 30 से ज्य़ादा उपलब्ध विकल्पों में तुलना करें

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I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :18/02/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CIBIL TERMS AND
CONDITIONS

To,
TransUnion CIBIL Limited
[Formerly known as Credit Information Bureau (India) Limited]
One Indiabulls building ,Unit No 1901 – 1905,
19th Floor, Tower 2A-2B, Jupiter Mill compound,
Senapati Bapat Marg, Lower Parel, Mumbai 400 013

Sub: Grant of Consent

Dear Sirs,

In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Paisabazaar (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

A. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.

B. I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.

C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.

D. I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL

E. I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company.

F. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Paisabazaar authorizing Paisabazaar to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Paisabazaar to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Paisabazaar to obtain my Consumer Credit Information.

G. I understand that in order to deliver the product to me, I hereby authorize Paisabazaar, to obtain my Consumer Credit Information from TUCL.

H. By submitting this registration form, I understand that I am providing an express adhoc one-time written instructions for Paisabazaar to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Paisabazaar account. I further authorize Paisabazaar to retain a copy of my information for use in accordance with the terms of use of this service, Paisabazaar’s Terms of Use and Privacy Policy.

I. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

J. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Company . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.

K. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.

Yours faithfully,
Name :

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :18/02/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EQUIFAX TERMS AND
CONDITIONS

I Mr./Ms. -------------------- ---------------------residing at ------------------------ ---------------------------------------- do hereby authorise Paisabazaar Team ,to do all acts on my behalf as may be necessary including to execute/sign application(s), make payment of applicable fees* and generally to all other acts as may be necessary to receive, on my behalf and at my request, my Credit Information Report (CIR) from Equifax Credit Information Services Private Limited("Equifax") at the following address/email id:

I hereby confirm that all the powers hereby conferred may be exercised by officer(s) or manager(s) / agent(s) / employees of the Paisabazaar who is duly authorized by the Paisabazaar.

I hereby confirm, agree, undertake and accept that I shall at all times be solely responsible for all the above actions and omissions of the Paisabazaar shall be binding on me as though such actions had been carried out by me directly. I further confirm that my CIR shall be used only for the purpose as mentioned in the attached standard terms and conditions and I shall be solely liable for, and indemnify and hold harmless Equifax for and against, any and all third party claims or damages or proceedings of any kind, arising from or in connection with (a) any misrepresentations, incorrect information or omission of any critical information in my application, or (b) furnishing my CIR based on this authorization letter, and shall not at any time hold Equifax or its affiliates and their respective officers, directors, employees or representatives liable in this respect.

I hereby also confirm that I have only appointed Paisabazaar to be my authorized agent/representative for collection of my CIR.

I undertake to keep Equifax intimated and informed at all times, of any renewals or termination of the authorization to Paisabazaar or any amendments, modifications or changes in the terms governing the obligations or my relationship with Paisabazaar.

I shall at all times co-operate with Equifax and execute and deliver to Equifax such instruments and documents and take such other actions as may be required by Equifax from time to time in connection with this authority letter.

By signing on this authorization letter, I hereby acknowledge and accept the Standard Terms and Conditions mentioned above.

Date : 18/02/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :18/02/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EXPERIAN TERMS AND
CONDITIONS

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM EXPERIAN.

YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND PAISABAZAAR AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU HEREBY ALSO AGREE AND ACKNOWLEDGE THAT FOR PAISABAZAAR TO SERVICE YOU AS A CUSTOMER, THE CREDIT INFORMATION SHALL BE SHARED BY EXPERIAN WITH YOU AND PAISABAZAAR ON A MONTHLY BASIS. YOU FURTHER ALSO AGREE AND CONSENT TO RECEIVE SUCH CREDIT INFORMATION DIRECTLY FROM EXPERIAN AND ALSO THROUGH YOUR PAISABAZAAR ACCOUNT AS PER YOUR INDEPENDENT REGISTRATION WITH PAISABAZAAR.

Please read the Terms and Conditions of this document carefully before accepting. By clicking on the "I ACCEPT" button below, you are expressly agreeing to access the Experian Credit Information Report and Credit Score (as defined in the Important Information Section below) (together referred as "Credit Information") and share a copy of the Credit Information with Paisabazaar in the "as is" format. Please click on the link below to read and understand the Important Information section below.

** This document is an electronic record in terms of the Information Technology Act, 2000 and Rules made there under, and the amended provisions pertaining to electronic records.

Information Collection, Use, Confidentiality, No-Disclosure and Data Purging

PAISABAZAAR/ We/ Us can only access your Credit Information as your authorized representative and we shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from us on the Website. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

We shall protect and keep confidential the Credit information both online and offline and use best in class security measures in line with applicable laws. The Credit Information shared by You, or received on your behalf shall be destroyed, purged, erased promptly upon the earlier of: (i) your written request to terminate this relationship with Paisabazaar (ii) the completion of provision of the Services by us to you.

Governing Law and Jurisdiction The relationship between you and the Parties shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of [Mumbai].

Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
"Credit Information Report" means the credit information / scores / aggregates / variables or reports which shall be generated by Experian;
"Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by Experian.
"CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
PLEASE READ THE ABOVE MENTIONED IMPORTANT INFORMATION AND CLICK ON "ACCEPT" FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH YOU AND PAISABAZAAR, IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE.
BY CLICKING "ACCEPT" YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN. THE TERMS AND CONDITIONS MENTIONED HEREIN MAY CHANGE IN ORDER TO COMPLY WITH GOVERNING LAWS OF THE COUNTRY AND THE CONSUMER SHALL BE BOUND TO ANY CHANGES TO THIS AGREEMENT

Name :
Date : 18/02/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :18/02/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CRIF HIGH MARK TERMS
AND CONDITIONS

This End User Agreement (the "Agreement") is made between you (the "User" or "You") and Paisabazaar Marketing and Consulting Pvt Ltd ("PaisaBazaar"), a private limited company having its registered office at Plot No 119, Sector-44, Gurgaon-122001, Haryana ("PAISABAZAAR", "Us" or "We", which term shall include its successors and permitted assigns). The User and PAISABAZAAR shall be collectively referred to as the "Parties" and individually as a "Party".

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM CRIF HIGH MARK. BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE CRIF HIGH MARK CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW)(TOGETHER REFERRED AS "CREDIT INFORMATION"). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY CRIF HIGH MARK TO YOU AND PAISABAZAAR BY USING CRIF HIGH MARK TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU ALSO ACKNOWLEDGE THAT YOU SHALL NOT RAISE ANY CLAIM OR HOLD LIABLE CRIF HIGH MARK CREDIT INFORMATION SERVICES PRIVATE LIMITED IN RELATION TO YOUR CREDIT INFORMATION REPORT AND CREDIT SCORE PROVIDED OR TO BE PROVIDED BY CRIF HIGH MARK TO PAISABAZAAR.

Terms and Conditions: Information Collection, Use, Confidentiality, No-Disclosure and Data Purging PAISABAZAAR shall access your Credit Information as your authorized representative and PAISABAZAAR shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from PAISABAZAAR. PAISABAZAAR shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

The Parties agree to protect and keep confidential the Credit Information both online and offline. The Credit Information shared by you, or received on by us on your behalf shall be destroyed, purged, erased promptly upon request from the consumer or the consumer withdrawing the consent to retain such credit information / reports by deleting/deactivating the consumers account with Paisabazaar.

Governing Law and Jurisdiction Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
" Business Day" means a day (other than a public holiday) on which banks are open for general business in Gurgaon and Mumbai.
" Credit Information Report" means the credit information / scores/ aggregates / variables / inferences or reports which shall be generated by CRIF High Mark;
" Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by CRIF High Mark.
" CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
IN CASE THERE IS ANY DISCREPANCY OR INABILITY IN COMPLETION OF ONLINE AUTHENTICATION, PLEASE SUBMIT YOUR SELF ATTESTED KYC DOCUMENTATION IN SCANNED COPIES FOR SHARING OF YOUR CREDIT INFORMATION BY CRIF HIGH MARK WITH YOU AND PAISABAZAAR (YOUR AUTHORISED REPRESENTATIVE).
ONLINE SUBMISSION - DOES NOT REQUIRE SIGNATURE AND EXECUTION"

Name :
Date :18/02/2020

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Read in English
Updated: 17-02-2020 11:52:05 AM

पर्सनल लोन/ व्यक्तिगत ऋण  एक असुरक्षित लोन है जिसके लिए आवेदन करते
समय किसी भी प्रकार की गारंटी या सुरक्षा की आवश्यकता नहीं होती है। बैंक/ NBFC को बहुत जोखिम होता है क्योंकि
उनका पैसा दांव पर लगा होता है।इसलिए, वे यह तय करने के लिए कई कारकों को ध्यान में रखते हैं कि क्या कोई व्यक्ति लोन देने योग्य है या नहीं।

पर्सनल लोन/ व्यक्तिगत ऋण के लिए योग्यता शर्तें

किसी व्यक्ति को पर्सनल लोन/ व्यक्तिगत ऋण देने से पहले बैंक/ NBFC द्वारा निम्नलिखित कारकों को ध्यान में रखा जाता है। ये कारक कुछ बैंक में अलग हो सकते हैं, लेकिन ज़्यादातर वही रहते हैं।

क्रेडिट स्कोर: क्रेडिट स्कोर 3 अंकों की संख्या होती है। इसका काम आपके द्वारा अतीत में आपके क्रेडिट कार्ड और पर्सनल लोन/ व्यक्तिगत ऋण के पुनर्भुगतान की जानकारी रखना होता है। यह स्कोर क्रेडिट ब्यूरो द्वारा बनाया जाता है और 300 से 900 तक होता है। पर्सनल लोन/ व्यक्तिगत ऋण के आवेदन के लिए 750 या इससे अधिक का क्रेडिट स्कोर बैंकों द्वारा पसंद किया जाता है। यदि आपका क्रेडिट स्कोर 750 से कम है, तो ऐसी संभावना हो सकती है कि आपके पर्सनल लोन/ व्यक्तिगत ऋण को नामंजूर कर दिया जाए, जो अंततः आपके स्कोर को कुछ और बिंदुओं से कम कर देगा। आवेदन करने से पहले अपने क्रेडिट स्कोर में सुधार करना उचित है।

रोज़गार: बैंक प्राइवेट, सरकारी या अंतर्राष्ट्रीय कंपनियों, स्व-रोजगार व्यक्तियों और व्यवसायियों, CA, CS, डॉक्टरों,  आर्किटेक्ट, आदि जैसे सैलरी प्रोफशनल के लिए पर्सनल लोन/ व्यक्तिगत ऋण देते है। नौकरी की स्थिरता के कारण इसके साथ ही प्रतिष्ठित संगठनों या सरकारी कर्मचारियों में काम करने वाले सैलरी प्रोफेशनल को प्राथमिकता दी जाती है।

आयु: अधिकतर बैंक 18 वर्ष से 60 वर्ष की आयु के व्यक्ति को पर्सनल देते हैं।

न्यूनतम आय: नौकरीपेशा व्यक्तियोंके लिए अधिकांश बैंकों द्वारा निर्धारित न्यूनतम मासिक आय 15,000 रु. है। हालांकि, 25,000  रुपये की न्यूनतम मासिक आय वाले व्यक्ति बैंकों द्वारा अधिक पसंद किए जाते हैं। और स्व-नियोजित व्यक्तियों के लिए, न्यूनतम 5 लाख रु. की वार्षिक आय।

अनुभव: मौजूदा कंपनी में न्यूनतम 6 महीने और 2 साल के न्यूनतम कार्य अनुभव वाले नौकरीपेशा व्यक्ति को बैंक/ NBFC द्वारा पसंद किया जाता है। वहीं स्व-रोजगार व्यक्ति के पास मौजूदा व्यवसाय में न्यूनतम 2 वर्षों का अनुभव होन पर प्राथमिकता दी जाती है।

शीर्ष बैंकों और NBFC द्वारा पर्सनल लोन/ व्यक्तिगत ऋण  योग्यता 

बैंकलोन राशिअवधिआयु
आदित्य बिड़ला फाइनेंस₹ 25,000 से ₹ 50 लाख 60 महीने तक23 से 55 साल
एक्सिस बैंक₹ 50,000 से ₹ 15 लाख12-60 महीने 21 से 60 साल
बजाज फिनसर्व ₹ 25 लाख तक12-60 महीने 23 से 55 साल
बैंक ऑफ महाराष्ट्र₹ 1.50 लाख तक 36 महीने तक21 से 60 साल
CASHe₹ 10,000 से ₹ 2 लाख15-180 दिन18 साल से ऊपर
केनरा बैंक₹ 3 लाख तक12-60 महीने 18 साल से ऊपर
सिटी बैंक₹ 30 लाख तक12-60 महीने 18 साल से ऊपर
कॉरपोरेशन बैंक₹ 3.50 लाख तक60 महीने तक18 साल से ऊपर
फेयर सेंट₹ 10,000 से ₹ 10 लाख6 – 36 महीने 18 साल से ऊपर
फुलर्टन इंडिया₹ 40 लाख तक48 महीने 21 से 60 साल
HDB फाईनेंशियल सर्विस₹ 20 लाख तक12-60 महीने 21 से 65 साल
HDFC बैंक₹ 40 लाख तक12-60 महीने 21 से 60 साल
ICICI बैंक₹ 20 लाख तक12-60 महीने 23 से 58 साल
IDFC फर्स्ट बैंक₹ 1 लाख से ₹ 25 लाख तक12-60 महीने 23 से 58 साल
IDBI बैंक₹ 50,000 से ₹ 10 लाख तक12-60 महीने 21 से 60 साल
IIFL₹ 25 लाख तक12-60 महीने 25 से 60 साल
InCred फाईनेंस₹ 75,000 से ₹ 15 लाख तक12-60 महीने 18 साल से ऊपर
इंडियाबुल्स₹ 1,000 से ₹ 15 लाख तक3 – 24 महीने 18 साल से ऊपर
इंडियन ओवरसीज बैंक₹ 5 लाख तक60 महीने तक 60 साल तक
इंडसइंड बैंक₹ 50,000 से ₹ 15 लाख तक12-60 महीने 21 से 60 साल
कोटक महिंद्रा बैंक₹ 50,000 से ₹ 15 लाख तक12-60 महीने 21 से 58 साल
करूर वैश्य बैंक₹ 10 लाख तक12-60 महीने 18 साल से ऊपर
मनी व्यू₹ 10,000 से ₹ 5 लाख तक3 – 36 महीने 18 साल से ऊपर
Oye लोन₹ 10,000 से ₹ 1 लाख तक12 महीने 18 साल से ऊपर
PaySense₹ 5,000 से  ₹ 2 लाख तक3 – 24 महीने 21 से 60 साल
पंजाब नेशनल बैंक₹ 50,000 से ₹ 10 लाख तक60 महीने तक18 साल से ऊपर
RBL बैंक₹1 लाख से ₹ 20 लाख तक12-60 महीने 25 से 60 साल
स्टैंडर्ड चार्टर्ड बैंक₹ 1 लाख से ₹ 30 लाख तक12-60 महीने 18 साल से ऊपर
SBFC₹ 10 लाख तक60 महीने 18 साल से ऊपर
भारतीय स्टेट बैंक₹ 25,000 से ₹ 15 लाख तक12-60 महीने 18 साल से ऊपर
टाटा कैपिटल₹ 75,000 से ₹ 25 लाख तक12 – 72 महीने 22 से 58 साल
यूनियन बैंक ऑफ इंडिया₹ 10 लाख तक12-60 महीने 18 साल से ऊपर
विजया बैंक₹ 10 लाख तक 60 महीने तक21 से 58 साल
यस बैंक₹ 1 लाख से ₹ 40 लाख तक12-60 महीने 22 से 58 साल

नोट: लिस्ट में दिए गए आंकड़े सांकेतिक हैं व बैंकों के या NBFC के विवेक पर परिवर्तन के अधीन हैं।

पर्सनल लोन/ व्यक्तिगत ऋण के लिए योग्यता जानने के लिए कैलकुलेटर का उपयोग
क्यों करें?

पैसाबाज़ार द्वारा दिए गए पर्सनल लोन/ व्यक्तिगत ऋण योग्यता कैलकुलेटर का इस्तेमाल करने के कुछ प्रमुख लाभ निम्नलिखित हैं:

लोन राशि जानें: लोन योग्यता के लिए पैसाबाज़ार के कैलकुलेटर द्वारा, आवेदक आसानी से उस सटीक राशि को जान सकते हैं,जो वे कई बैंकों से पर्सनल लोन/ व्यक्तिगत ऋण के रूप में लेने के योग्य है। लोन लेने की योग्यता आपके रोजगार की स्थिति, नेट सैलरी, लोन अवधि, और कई अन्य सहित विभिन्न कारकों पर आधारित है।

शीघ्र और सरल: कुछ मिनटों के भीतर ही आपको पता चल सकता है कि आप लोन के लिए योग्य हैं या नहीं।

विश्वसनीय परिणाम: ये कैलकुलेटर विशेष रूप से विशेषज्ञों द्वारा पर्सनल लोन/ व्यक्तिगत ऋण के लिए योग्यता की जानने के लिए बनाया गया है। यह सटीक जानकारी देता है और किसी व्यक्ति को लोन का चयन करने में मदद करता है जो लोन राशि, कार्यकाल और ब्याज दर के संदर्भ में उपयुक्त है।

सरल तुलना : अगर आप दो लोन ऑफर के बीच ये तय नहीं कर पा रहे हैं कौनसा लेना है, तो आप आसानी से दोनों के बीच महत्वपूर्ण मानदंडों जैसे कि अधिकतम लोन राशि, लागू ब्याज दर, कार्यकाल, साथ ही प्रोसेसिंग शुल्क और अतिरिक्त लाभ के आधार पर तुलना कर सकते हैं।

समय की बचत: इस कैलकुलेटर द्वारा आप जल्द ही जान सकते हैं कि आप लोन के लिए योग्य हैं या नहीं। इस जानकारी को जानने के लिए आपको बैंक नहीं जाना पड़ता है और समय की बचत होती है।

इसलिए, किसी भी बैंक/ NBFC में पर्सनल लोन/ व्यक्तिगत ऋण के लिए आवेदन करने से पहले हमेशा पैसाबाज़ार के पर्सनल लोन/ व्यक्तिगत ऋण एलिजिबिलिटी कैलकुलेटर द्वारा अपनी योग्यता जानने की सलह दी जाती है। इस तरह, आपकी लोन आवश्यकताओं की बेहतर समझ होगी और तुलना करने के बाद सही विकल्प का चयन करने में सक्षम होंगे।

पैसाबाज़ार पर्सनल लोन/ व्यक्तिगत ऋण एलिजिबिलिटी कैलकुलेटर का उपयोग कैसे करें?

पैसाबाज़ार के पर्सनल लोन/ व्यक्तिगत ऋण एलिजिबिलिटी कैलकुलेटर का इस्तेमाल करना बहुत ही आसना है। यह आपको बिना किसी परेशानी के सही पर्सनल लोन/ व्यक्तिगत ऋण ऑफर चुनने में मदद करता है। नीचे हम आपको बता रहे हैं कि पैसाबाज़ार पर्सनल लोन/ व्यक्तिगत ऋण पात्रता कैलकुलेटर का इस्तेमाल कैसे कर सकते हैं:

  • पेज पर पर्सनल लोन/ व्यक्तिगत ऋण एलिजिबिलीटी फॉर्म पर जाएं।
  • अपनीमूल जानकारी भरें,जैसे कि व्यवसाय, मासिक आय, लोन राशि, मोबाइल नंबर और वर्तमान शहर ।
  • ‘Proceed’ पर क्लिक करें, अब आपके सामने दूसरा फॉर्म खुल जाएगा।
  • उस फॉर्म को भरें जिसमें आपकी कंपनी का नाम, सैलरी, लिंग, पूरा नाम, कुल EMI जो आप वर्तमान में भुगतान करते हैं और ‘view best offers’ पर क्लिक करें।
  • आपके द्वारा भरी गई जानकारी के अनुसार, आपके सामने वो पर्सनल लोन/ व्यक्तिगत ऋण ऑफर आ जाएंगें जिसके लिए आप योग्य हैं।

पर्सनल लोन/ व्यक्तिगत ऋण के लिए योग्य होने के लिए आवश्यक दस्तावेज

पर्सनल लोन/ व्यक्तिगत ऋण के लिए आवश्यक दस्तावेज एक सैलरी प्रोफेशनल और एक स्व-रोज़गार व्यक्ति के लिए अलग-अलग हैं। नीचे आवश्यक दस्तावेजों की लिस्ट दी हुई है:

सैलरी प्रोफेशनल के लिए:

  • निवासप्रमाण पत्र: रेंट एग्रीमेंट/ यूटिलिटी बिल (3 महीने से अधिक पुराना नहीं)/ पासपोर्ट
  • पहचान प्रमाण पत्र:पासपोर्ट/ ड्राइविंग लाइसेंस/ वोटर आईडी/ पैन कार्ड, कोई भी एक
  • पिछले 3महीनों का बैंक स्टेटमेंट
  • पिछले3 महीनों की सैलरी स्लिप
  • 2 पासपोर्टसाइज़ फोटो

स्व-रोज़गार व्यक्ति के लिए:

  • KYC दस्तावेज: पहचान प्रमाण पत्र, पता, जन्म प्रमाणपत्र
  • निवास प्रमाण पत्र:रेंट एग्रीमेंट/ यूटिलिटी बिल (3 महीने से अधिक पुराना नहीं)/ पासपोर्ट, इनमें से कोई एक।
  • आय प्रमाण (पिछले दो वर्षों का व्यापार के लाभ व नुकसान का रिकॉर्ड)
  • पिछले 6 महीनों का बैंक स्टेटमेंट
  • कार्यालय का पता प्रमाण
  • निवास या कार्यालय के मालिकाना हक़ का प्रमाण
  • व्यापार चलने का प्रमाण

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