Ab easy hinglish mein, ek blog post aise features ke baare mein hai jo personal loans ko aam aadmi ke liye zyada accessible banate hain. Online application, tezi se approval aur disbursal, sasta repayment tenure jaise suvidhayein personal loans ko sabse easy banati hain. Lekin itne saare options hone ke kaaran, pehli baar mein ye pata karna mushkil ho jata hai ki loan ke liye kaise apply karna hai. Yaad rakhein ki har bank aur lender ke apne alag eligibility criteria hote hain, jisse decide kiya jata hai ki kya koi vyakti loan ke layak hai. Ismein salary, credit score, umar, sthal, aur KYC documents jaise parameters shamil hote hain.
Ek aam galati jo applicants (khaaskar pehli baar ke borrowers) karte hain, woh hai ki unhe lender ke eligibility criteria ke baare mein pata nahi hota ya check nahi karte. Agar koi vyakti lender ke basic eligibility criteria ko poora nahi karta, toh uski loan application khud-ba-khud reject ho jati hai. Jab aap lender ke eligibility criteria ko jaante hain, tabhi pata chalega ki aap us lender se loan ke layak hain ya nahi. Hamesha ye dhyaan rakhein ki aap tabhi lenders ko apply karein jahaan aap minimum qualifying criteria ko poora karte hain, taki aapki application pre-reject na ho. Iske alawa, neeche kuchh aur important factors ke baare mein bhi baat karenge, jo aapko batayenge ki personal loan ke liye apply karne ke liye kya karna chahiye.
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Apne Financial Condition Ka Khayal Rakhein
Acha credit history lender loan applications ko review karte waqt sabse important criteria mein se ek hota hai. Jab aap bank ya lender se paise udhaar lete hain, toh aapke repayment history ki saari jaankari credit bureaus jaise CIBIL dwara record ki jaati hai. High credit score dikhata hai ki vyakti loan ke layak hai aur use bharosa kiya ja sakta hai ki wo loan waapis kar dega. Achi credit history hone se aapki loan ke liye eligibility badhti hai aur banks aur lenders aapko behtar interest rates aur repayment terms offer karte hain.
Lekin credit score sirf ek parameter hai jise lenders loan application ki jaanch mein istemal karte hain. Dusre important factors mein aapki income, employment history, monthly average bank balance, aur fixed obligations to income ratio (FOIR) shaamil hote hain. Lenders in factors ko aapke last 3 mahine ke bank statements se assess karte hain. Isliye, apni approval chances ko badhane ke liye dhyaan dein ki aapke paas kam ya bilkul karz na ho, aapke monthly bank balance high ho, aur aapki kharche overall kam ho. Agar inmein se kisi ek ya adhik factors mein kami hai, toh loan ke liye apply karne se pehle kam se kam 1-3 mahine tak apni finances aur credit par kaam karein.
Loan Ke Saare Criteria Ko Dhyaan Mein Rakhein
Paise ki baat aaye toh hum sabhi achhi deal ke liye kuchh extra bachana pasand karte hain. Isi tarah personal loan ke liye apply karne wale log bhi "shopping" karte hain taki wo lowest interest rates mil sake. Interest rate toh important factor hai lekin ye kisi bhi personal loan ke liye option ko decide karne ka main parameter nahi hona chahiye. Jab aap personal loan ke liye dekh rahe hain, ek important factor hai ki aapka monthly EMI kitna hoga.
Monthly EMI ek bahut crucial factor hai kyunki aapki asaani se unhe bharne ki kshamata aapke credit score aur future mein loan ke liye eligibility par asar karti hai. Kai borrowers overall interest rate kam rakhne ki chaahat mein hote hain, lekin isi kaaran unhein zyada EMI bharni padti hai ya fir unka loan EMI balance kam ho jata hai, jiske karan pehle ke installments zyada high ho jate hain. Isliye jab aap personal loan ke liye soch rahe hain, hamesha personal loan EMI calculator ka istemal karein, taaki aap jaan saken ki aapki monthly EMI kitni hogi. Aisa dhyaan rakhein ki aap asaani se EMI ka bhugtaan kar saken taki aapke finances par zyada dabav na pade aur aapka credit score negative na ho.
Apne Documents Ko Tayyar Rakhein
Har bank ya NBFC ko ek mandatory Know Your Customer ya KYC process follow karna hota hai, jisse ek potential customer ko unki services ka istemal karne diya ja sake. KYC ek aisa process hai jo frauds ko rokne aur customer ki identity verify karne ka kaam karta hai. Isliye, aapke tayyar rehne wale documents personal loan ke liye apply karte waqt bahut important hote hain. Ye documents bahut common KYC documents hote hain jo har kisi ke paas hote hain. Inmein naam aur umar ka proof, photo identity proof, address proof, aur salary proof shaamil hote hain.
Ek aam wajah jiske kaaran personal loan ka application reject ho jata hai, woh hai kyunki applicant ne sahi documents submit nahi kiye hote ya fir documents ko unke application form ke galat section mein upload kar diya hota hai. Aap aasani se isse bach sakte hain agar aap application form ko pehle se dhyaan se dekhte hain aur application ko lender ko bhejne se pehle ek final check karte hain.
Kai banks dwaara applicants se ek badi sankhya mein personal documents maangne ki practice hoti hai, jise arrange karna kaafi mushkil ho sakta hai. Lekin Upwards ke personal loan ke liye bahut kam documents ki zaroorat hoti hai - aapko sirf apna PAN card, Aadhar card, salary slips aur bank statements ki zaroorat hoti hai! Hamare paperless process mein, aapko bas form bharne ki zaroorat hoti hai aur aapke documents ko hamare app ya website ke through upload karna hota hai.
Antim taur par, personal loan ke liye apply karna mushkil lag sakta hai, lekin ismein sab kuchh uske assess kiya jana hota hai aur agar kuchh cheezein sudharne ki zaroorat ho toh us par kaam karna hota hai. Hamesha ye dhyaan mein rakhein ki aap lender ke eligibility criteria ko dhyaan se check karein taki aap loan ke layak ho. Lender loan application ko kis basis par assess karte hain, iska pata hona aapke liye kaafi helpful hota hai taki aap jaan saken ki aapko kis par kaam karna chahiye. In tips ko yaad rakhein aur aapke loan ko approval hone ke chances bahut zyada badh jaayenge.
