need 1 lac personal loan, suggestions please
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need 1 lac personal loan, suggestions please
I am self employed and filing itr from 4 years
income as per itr is aroung 20k monthly
now a days many small loans are offered via various companies
if anyone have any idea(specially with loan to a self employed person) please let me know
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dont have
only sbi and hdfc acc
Udio loan
Indiabull dhani
mobikwik
and many more
interst rate around 18% reducing
udio is not available in my city
dhani is giving only 10k that too 8.9k in hand
mobikwik not showing any option in app
please let me more
Have you thought of local money lenders, I know interest would be higher compared to banks but you can negotiate.
Now a days
If the loan amount is in crores then, I guess, you would got lot of offers by now
local lenders are too greedy they charge way more
I am sure you are aware but personal loans are very expensive.
Try to get from family and friends and manage.
MobiKwik gives around 60k
Also few more apps like early salary, India Bulls dhani would process loan faster than the usual banks.
actually needed more amount all arranged via family
rest I am seeking through these sources
Do visit your bank once. You might get loan at cheaper rate. Both SBI and HDFC are offering instant person loan.
tried
they are not giving
Hi.. If you need personal loan , you can take help of some finance experts. First you need any bank account. To take loan require documents related salary slip etc. But interest rate of personal loan is higher than other loans like stocks , mutual funds. You can visit any finance advisor. As per my experience JM Finance is investment banking firms in india and provide all the finance services.
There are many things that you should be aware of before taking a personal loan for self-employed, and to know all those you have to approach a subject expert with all your credentials for consultation. However, as per my own experience, these are the few things every personal loan applicant should be aware of.
1. Your credit score: Your credit score can hamper or boost the chances of loan approval depending on how you have maintained it. Make sure your credit score is more than 750.
2. Your personal capability: You know your finances better than anyone else. Thus, you know better if you can repay the loan you are planning to secure or not. Ask yourself, can you repay the amount without any hassle? If yes, do you have a repayment strategy in place?
3. The documents
The KYC documents which are common for every loan application in case of every salaried and self-employed individual.
The income proof, most likely in the form of the previous year income tax return receipt. If you don’t file your income tax returns or your income is in the 0% tax bracket – you can submit your bank statement as income proof. In general, the lender will ask for a bank statement of three consecutive months.
4. The other influencing factors
Credit history
Debt burden
Bro don’t you think that you are too early for the party?
Hello @SARDARKHAN, I hope you still require that loan and that I can help you with a good personal loan option. So I had recently availed a loan from an online platform called Upwards. I wasn’t really convinced when I found this website. The online reviews were good and their services seemed trustworthy but this was about money and I wasn’t about to take any chances. So I consulted my elder sister and she told me that her colleague had taken a loan from there and the papers and everything was official. Her colleague told me about the flexible tenure and attractive interest rates with 24 hours approval. This lead me to trust the online service provider and I went ahead with the procedure. My loan application was approved within 24-hours and there was limited documentation. I will recommend you to go for it if you still require the loan. You can check their website here:
https://upwar...n/
see the reviews on play store
either you dont know about the app or just here to fool around
I have used the service myself, Sir. It went really good for me. I am not saying it is the most perfect service out there but I am saying you can consider this as an option.
if you say so
can you please tell me the amount and interest rate you got
If you have axis bank account. then apply directly from axis bank internet banking..
else contact axis bank.