Personal Loan in Guntur
- Loan ID : N0173
- 108
- 0
- Personal Loan
- State : Andhra Pradesh
- City : Guntur
Guntur is one of Blooming city of Andhra Pradesh. Guntur is considered to be a city of the aspiring foundation of learning and an administrative capital district. The city is also a hub for various activities such as business and commerce, industry and agriculture.
Key Features for Availing a Personal Loan
- Personal Loan Amount:
We can avail a loan up to an amount of Rs2.5 lac
- Minimal documentation:
Meeting the eligibility criteria and thereby adhering to all the procedure. It is a simple process with the least documentation required.
- Lower EMI
People have the option of paying a lower rate of EMI.
- Flexible Tenure
Such a loan option comes as a flexible option. The loan takers have an opportunity to pay back the loan within 12 to 60 months.
- Collateral-free loan
This adds as the best benefit of a Personal Loan as it does not require any collateral.
- Instant online approval
Apply Online and get quick approval of the loan
- Quick transfer of Money into the Bank
Money is something which will be transferred to the bank account within 24 hours.
- Online Customer Support
With the impact of the latest technology, a customer can have access to all the valuable information through an online portal. Also, there is a service of customer support for continuous help.
- Transparency
Apply-Loan works with honesty and transparency. There is no kind of hidden charges.
- Pre-approved offer
It is a simple, quick and easy process
Different Banks and their Interest Rates
Banks | Interest Rate | Processing Fee | Pre-Payment Charges |
HDFC Bank | (10.99 – 20.75)% | 0.8% – 2.00% | 4.00% |
Standard Chartered | (11.50 – 14.50)% | Up to 1% | Upto 5.00% of loan amount |
Bajaj Finserv | (11.99 – 16.00)% | Upto 2.00% | Upto 4% post 1st EMI clearance |
ICICI Bank | (11.70 – 18.85)% | 1999 to 2.50% | Zero or 5.00% |
Axis Bank | (11.25% to 24.00)% | 2.00% | Nil |
Kotak | (11.50 – 20.00)% | 1.5 – 2.00% | 5.00% |
Fullerton India | (14.00 – 33.00)% | 2.00% | Upto 7.00%, 0% after 3 year |
Why Us?
Many of us have many dreams in our lives. A loan helps us to fulfil our vision. Personal Loan is one such medium that can offer an easy and quick-fix solution. We have worked with many clients.
We understand and thereby adhere to the requirements of the people. At Apply-Loan, we provide you with good deals.
Also, we have a team of financial advisors who guide with the entire process and resolve all queries.
Eligibility Criteria
- Set of factors that make the borrower eligible:
- Income
- Employment
- Continuity of Business
Let us highlight the two major categories:
#Salaried
Metro city: Minimum Salary required is Rs15,00 Per Month
Other Cities: Minimum Salary is Rs12,500 Per Month
#Self Employed
Metro city: Minimum Itr is Rs150000/-
Other city: Mimum Itr is rs150000/-
Documents Required:
Identity proof
Passport/Driving License/Pan card along with the signature of the concerned person
Age Proof:
Pan card, Passport, Driving license
Income Proof
Latest Salary slip
Job Continuity Poof
Relieving Letter/Appointment letter
Banking history:
Bank Statement of last two months/3Months- passbook
Some Factors To consider while applying for a Personal Loan
Know your Purpose
- Plan your Budget
- Cost-Benefit analysis
- Red the Terms and conditions carefully
- Taking insurance for Payment Insurance
- Proper Updating of all information
- It is also preferred to choose a flat rate of interest. This means opting for a reducing balance method is a good example.
- Also, keeping a short tenure of loan say 1-3 yr. is advisable
- Amount paid should not be more than 25 % of salary
Apply-Loan is the trusted platform for serving customers and entailing their needs by offering them a Personal Loan.
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