Hdfc Bank Personal Loan
Hdfc bank personal loan has come up with plethora of benefits as great financial assistance against mounting personal expenses of your life. Expenses requiring big monetary investment like wedding expenses, children?s education expenses etc can well be organized and settled down using personal finance scheme of hdfc bank. A borrower can be lent upto Rs 15 lakhs loan for any purpose as per the requirement of the borrower. The loan is available at flexible payment option of EMI at attractive interest rate that you pocket can afford.
To avail the loan, the borrower shouldn?t have to give guarantor, security or collateral and avail the loan within 24 hrs of time followed by submission of request. Once you drop a request, the hdfc bank?s representative will pay a personal visit to your doorstep with essential documents necessary to avail the loan.
Eligibility
For any loan, a borrower should possess pre qualifying criteria and this involves in acquisition of hdfc personal loan, too.
In the context of eligibility criteria, salaried individuals, self employed individuals or those holding private or government jobs including public sector undertaking are eligible for the loan provided they fulfill pre qualifying criteria mentioned below.
Minimum age is 21 yrs and maximum age of 60 yrs (at maturity of the loan)
Salaried persons should have minimum of 2 yrs previous and 1 yr current job employment in current organization
Borrower?s annual income should not be less than Rs 130000
Documents Required
Documentation for both salaried and self employed individuals differs.
Both have to submit documents as per mandatory requirement of hdfc bank for its documental criteria. For salaried individuals, following documents are essential to submit?
Age proof
Identity proof
Residential proof
Banks statement (at lest 3 months old)
Current salary slips (6 months old)
Form 16
Documents For Self Employed:
Identity proof
Address proof
Business continuity proof
Proof for professional qualification
Bank statement of 6 months
Latest ITR with computed income, B/S & P&L a/c for the last 2 yrs, certified by CA
Hdfc bank also offers customer privileges on its personal finance. They include credit shield and personal accident cover. As per the credit shield, if the borrower dies without making total payment of the outstanding loan, or he becomes crippled permanently due to accident, then the credit shield or Payment Protection Insurance, helps the borrower insure outstanding amount up to maximum of the loan amount.
As per the personal accident cover, you can get you and your family covered for up to Rs 2 lakhs under this health insurance policy at a nominal premium outgo.
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Source: http://www.loanforshop.com/hdfc-bank-personal-loan/
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