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5 reasons why buying on EMI Finance is better than on a credit card

We all want to flaunt a Rolex or own the latest iPhone. And today, we have the means to. Of all the means available to us, the Credit Card is probably the lowest hanging fruit.

It has become, the ticket to our dreams. To achieving what we could tomorrow, today. After all, who wants to put off the good life?

However, what might surprise you is that in some cases, even credit cards have their limitations. Take for instance, durable or lifestyle product purchases. Is there a better way to indulge in a 4K LED or an Italian sofa, than swiping you credit card? The answer is yes.

Bajaj Finserv EMI Finance allows you to purchase a wide range of durable and lifestyle products by splitting their costs, into small, interest-free EMIs. Here are some of the reasons why buying on Bajaj Finserv EMI Finance is a smarter option:

When we say interest-free EMIs, we mean it

The most common complaint that a credit card user has is that he/she fails to understand how interest is levied on them. When taking a credit card, users are told that the monthly interest rate is 3 per cent but what is not known to them is the fact that when a user fails to pay an outstanding amount in the current billing cycle – he/she can end up paying an interest of up to 40% per annum. So while you might have only spent Rs.25,000, you might be rather unpleasantly surprised to see your outstanding at Rs.40,000.

With Bajaj Finserv EMI Finance, you can now purchase any durable or lifestyle product on easy installments which are interest free. All you need to do is pay a nominal processing fee and divide the total cost of purchase between a one time, initial down payment and the rest in easy interest-free EMIs. There are no hidden charges.

Click here to see the range of durable and lifestyle products that you can buy on Bajaj Finserv EMI Finance.

A loan limit to match your lifestyle

Usually all credit cards come with a pre-approved spending limit. In India, the average credit card spending limit is up to Rs.57,000. But Bajaj Finserv EMI Finance gives you the freedom to buy more. The average limit for a customer is Rs.75,000.

As easy as a swipe

People generally use a credit card as they find it easy to use and associate EMI Finance with heaps of paperwork and lengthy processes. But with Bajaj Finserv EMI Finance, you needn’t worry about any of these. All you need is a few documents like PAN card or driving license and you can complete the basic formalities at the store itself.

And to top it all, if you are an existing Bajaj Finserv customer, you have the option of an EMI (Existing Member Identification) Card, which comes with a pre-approved and interest-free loan. So you literally have to just swipe, sign and buy.

Changing with your needs

If your credit card has a credit limit of Rs.50,000 and you swipe it to buy a product worth the same and convert your repayment into EMIs, you won’t be able to use the card until the last EMI has been paid.

For example: If you paid off Rs.20,000 your loan amount, you can’t use the amount that you have paid off to make further purchases until you have paid off your EMI.

But this is not the case with Bajaj Finserv EMI Finance. If your credit limit is Rs.75,000 and you have used the entire amount to buy a product and then you have paid off Rs.15,000 of your loan, you are eligible to make another purchase up to Rs.15,000.

Customized offers

Being a Bajaj Finserv customer gives you access to a host of special pre-approved offers across 12 product lines that include Home Loans, Personal Loans, Business Loans amongst others, which means less documentation and quicker disbursal.

To know more about our other products, visit: Bajaj Finserv

<Click here to check your Home Loan eligibility>>

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Personal Loan for Home Improvement

Personal Loan for Home Improvement

Here’s the situation: your house looks drab and you want to add some oomph to it, not just for your pleasure, but for anyone who walks into your sanctuary. Why? Because it always feels great when someone walks into your home and says, ‘wow! I love what you’ve done with your place.’ It’s not just the compliments though. When you say ‘home sweet home’, you’d rather it feels like it as well.

But getting your place renovated is easier said than done. You have to consider the cost of the materials, the labour charges, and a few other miscellaneous expenses which could end up burning a hole in your pocket.

So, what do you do?

Do you just wait till you’ve saved up enough?

What if the prices become higher by then?

Will you wait more?

Instead of wasting time, just go for a Personal Loan for Home Improvement. With a Personal Loan, you can renovate your home and avoid straining your finances. Regardless of your plan, be it painting, or remodeling, or minor aesthetic improvements, you won’t end up emptying  your savings as you can comfortably pay back the amount over the duration of your loan instead of shelling out a large amount at one go.

Eligibility

If you’re employed and are earning enough to clear the minimum salary requirement, you can get your loan sanctioned with ease. An unsecured Personal Loan for home improvements doesn’t require you to declare any of your assets as collateral.

The Documents Required for Personal Loan will include:

Salary Slips

The salary slips for the last three months from the date of the application need to be shown to your lender to verify your financial capability to repay the loan.

Bank Statements

Your bank statement will have the complete history of your income and expenditure which needs to be assessed by the bank to ensure that your finances are stable.

Employee Identification

If you’re employed, you will need to provide a copy of an employee ID issued by your current employer.

Personal Details

This can be a copy of PAN/ Voter Id or any government identity card providing details like your age, address, and signature.

Employment Credentials

If you’ve worked with more than one employer, you’ll have to provide the bank with letters of experience from the previous employer, copies of your form 16, and the appointment letters for all the jobs you’ve held.

With financial institutions like Bajaj Finserv you can apply for a home improvement loans online, not only does this drastically reduce the amount of paperwork, you can get almost instantaneous approval and get your renovation started in a jiffy.

Getting a Personal Loan for Home Improvement

The process for taking Personal Loans for home renovation is pretty straight-forward. If you have plans to remodel your house the total cost for renovation (which will include labour charges) must be calculated before the loan application can begin.

  • Once you’ve calculated your estimate, the bank will begin the personal verification process. This includes verification of the estimate you have provided and the legitimacy of the papers you have submitted for the loan application. The verification of the estimate will involve authorities from the bank visiting your project site. They will carefully validate the type of renovations and the corresponding costs involved before approving the loan.
  • The terms and conditions for repayment of the loan also differ from bank to bank. A majority of banks, however, provide a repayment tenure that ranges between 15- 30 years.
  • The rate of interest for an unsecured Personal Loan is considerably less than other similar loans. Having said that, don’t sign-up for a Personal Loan without doing a thorough market research. Seek advice from personal finance professionals, or visit as many financial institutions as you can and compare their offers before you lock in on a specific lender.

Apply for Personal Loan Online Check your Personal Loan Eligibility

Personal Loan for Medical Emergency

Personal Loan for Medical Emergency

When you’re struck by an unexpected catastrophe endangering your life, a Personal Loan for medical emergency can help you pay off the medical bills for treatment without putting your financial stability at peril.

A medical emergency might appear in the form of an elective procedure such as cosmetic or dental surgery. If you’re not careful, this can easily obliterate all the money you have saved. In situations like these, ones that demand enormous figures instantly, a Personal Loan will give you a way out with minimum fuss. Bajaj Finserv provides Personal Loans to help you secure the required amount within 72 hours.

You might ponder about the possibility of your medical insurance paying all the bills. Sadly, medical insurance does not cover all kinds of emergencies. To add to the muddle, medical insurance has another drawback: the paperwork is time-consuming and meticulous—an obvious enemy during a medical emergency. When the doctor’s fee, medicine and diagnostic bills, and other miscellaneous expenses are levied at the time of crisis, you might be dismayed when you realise that your medical insurance will not pay for everything.

Your safest bet in this circumstance is to take a Personal Loan. Why? Read the benefits mentioned below and judge for yourself.

Advantages of Taking a Personal Loan for Medical Expenses

You don’t have to worry about collateral

Probably the greatest advantage you get from a Personal Loan for medical expenses is that it’s unsecured, which means you don’t have to attach any of your assets as collateral.

Painless application procedure

The application process for such a loan is simple and straight-forward. You can sign-up for Personal Loan online without visiting the bank. Once you furnish your details on the bank’s portal, approval does not take more than 24 hours. However, you must verify your personal eligibility criteria and your credit score with CIBIL well ahead of time if you don’t want your loan application to be categorised as ‘doubtful’ by the bank.

Stress-free payment process

You needn’t worry about repaying the loan amount instantly as the tenure provided for returning the amount will be ample. The interest rate will depend on the time allocated for repayment. If you’re worried about the loan amount or the tenure of repayment, sit back and relax because you get to pick both.

Short surgery or drawn-out cure

Whether it’s the case of an ailment (short or long term) that will require therapy to provide a cure, or a disorder requiring surgery, taking a Personal Loan for medical treatment can help. You can make the initial payment to get the treatment underway, and pay for other expenses as they arise. Repayment of the loan will not be an issue as it can be done by opting for the EMI mode of payment.

Breaking down the Personal Loan process

You’re probably convinced by now that a Personal Loan offers you so much more than regular medical insurance. Here are a few more things to keep in mind regarding Personal Loans for medical procedures. This will give you a clear idea about the process.

Are you credit-worthy?

One of the hurdles you face while securing a Personal Loan for medical emergenciesis proving your credit worthiness and assuring the lender of your ability to repay the loan. This is dependent on your income and credit history.

For example, unpaid bills from previous consultations visible on your credit history will be subject to scrutiny by your lender. Although taking Personal Loans for medical expenses in advance can be beneficial, unpaid bills and expenses in your credit history might hamper its approval.

Deliver all the proof needed

Providing proof that you have a steady source of income during the loan application process might be a problem. For an individual earning on an hourly basis, frequent doctor visits and leave of absence for medical reasons can affect the pay unless the company provides paid vacation time or sick leaves for the hours lost.

If you’re applying for a Personal Loan after a major surgery with a long-term recovery schedule, your income might constitute a small amount of your salary depending on the disability benefits provided by your employer. Not just that, your loan application might be rejected if the injury sustained by you might result in you quitting your job.

Clear all your doubts

Getting in touch with a reputed financial organisation for a Personal Loan in advance might prove beneficial in dodging any burden or crunch. Before you decide to go under the surgeon’s knife or enrol in a treatment schedule for the malady, discuss all costs and the coverage your Personal Loan will bear.

It’s also beneficial to talk to your employers about the disability benefits, and the income you’re going to receive if you’re going to be sidelined in case of surgery or a long-term treatment plan.

This way, you can assure your lender about your income, preventing rejection of your Personal Loan application. Communication is your ally.

Personal Loans are versatile

In addition to Personal Loans for general medical expenses, some lenders provide specialised loans to pay for your medical costs. Some of the loans that fall under this category are listed below.

Cosmetic surgery loans

Some loans are used to fund elective procedures such as liposuction, breast reductions or implants, and nose jobs. Such procedures demand tremendous financial investment, but a Personal Loan will be able to withstand all the costs associated.

Loans for dental procedures

You can take a loan to pay for dental procedures like surgery, braces or other cases involving reconstruction of your teeth. Some of the dental procedures fall under the elective procedure category, but you won’t have to worry as the loan can cover the expenses, be it elective or simply a surgery.

Medical tourism loans

If you’re planning to get yourself checked in at any hospital or medical centre abroad for specialised treatment or surgery, some banks provide customised Personal Loans to cover both travel and medical expenses.

Taking a Personal Loan for medical bills shouldn’t keep you from opting for medical insurance. It’s simply a contingency plan for medical emergencies. It’s important to stay informed about other ways you can tackle these unexpected problems.

Apply for Personal Loan Check your Loan Eligibility Calculate Your EMI

Types of Home Loan

5 Types of Home Loan

Home Loans make the mammoth task of buying a home much easier. Since buying a home is one a biggest steps you take, it is advisable to understand the different types of Home Loans that you can avail of. Home Loans from Bajaj Finserv make it significantly easier for you to finance your dream home.
The two basic types of Home Loans based on the interest rate are fixed and floating interest rate Home Loans. When you take a Home Loan on a fixed rate, the interest rate remains that same through the tenure of the Home Loan, while floating rate varies as per the market conditions. Usually, the fixed interest rate is about 1% to 2.5% higher than the floating interest rate.

5 Different Home Loans that You May Consider Based on Your Needs

Land Purchase Loan :

When you’re building a home from scratch, you will need to buy a plot of land. However, building a home that is uniquely yours is easier said than done. You can take a land purchase loan for the purchase of a plot through direct allotment or a resale plot. Although the maximum loan amount will depend on the lending bank, most banks will provide up to 80% to 85% of the property cost. Please note, that there are no tax benefits that will be applicable for a loan for land purchase. You can get tax benefits once the construction starts.

Home Purchase Loan :

If you are buying an existing property, either in an apartment building or a stand-alone home, a home purchase loan is your best bet. A home purchase loan can get you tax benefits under Section 80C and Section 24 (d) of the Income Tax regulations as per the applicable tax rules for FY ‘10-‘11.
If yours is a joint loan, then the other person, say your spouse or parent can also avail of the tax benefit. The loan amount in this case is usually 80% of the total amount whereas the monthly EMI would depend on a number of factors, such as your monthly income, the tenure of the loan etc. However, there are some hidden costs that you should be aware of.

Home Construction Loan :

If you already own a plot where you would like to construct a home to your liking, then you can consider taking a home. The cost of the land will be included in the cost of the house only if the land has been purchased within the previous year. You will need to give an estimate of the entire construction which will then be evaluated by the bank before granting you a loan.

Home Conversion Loan :

If you already have a Home Loan but wish to purchase and move into a new house, this loan would work best for you. With this loan, you can transfer your current loan to the new house and you don’t have to repay the current loan. These loans can be a little expensive in terms of the interest rate.

Home Improvement Loan :

If you already own a home but lack the funds to renovate your home, a home improvement loan can help. With this loan, you can fund all kinds of renovations, such as internal and external painting, waterproofing and construction, tiling, plumbing and all sorts of electrical work.
Another advantage to taking a Home Loan is that you can continue to take a mortgage loan against your property in India. As you can see, there are a number of housing loan options available in India.
It is advisable, however, do read the fine print before signing on any agreement. It is also advisable that once you have decided on the type of Home Loan, you should negotiate the interest rate with the bank. Lastly, before applying for Home Loan, check your credit rating and verify your eligibility criteria.

Calculate Home Loan EMI     Apply for Home Loan or Balance Transfer

Personal Loan for a wedding

Financing A Wedding – The Easy Way

Weddings celebrate the union of two souls, and everyone knows that Indian weddings can be an expensive affair. It doesn’t matter what your initial budget is, you’ll always end up spending a little more to make your special day the grandest and most memorable celebration ever.


Personal Loans are a great way to cover your expenses for occasions where money shouldn’t be a limiting factor. No matter what it costs, there are no compromises for something as momentous as a wedding. Let’s take a look at why you shouldn’t think twice before you avail of a Personal Loan for wedding.

Why are Wedding Loans Necessary?

A typical wedding nowadays is quite a fancy affair. Apart from the usual decor and food you now have swanky dessert bars and photo booths which add that much needed ‘wow factor’ to keep the guests entertained. A new trend that’s on the rise is a themed wedding, which is usually accompanied by heavy decoration and costume bills.

That’s not the end of your wedding expenditure though; you still need to meet the regular costs of a wedding, like the catering service, decorations, entertainment, the ceremonial rings or mangalsutra, photography and a dazzling set of clothes. All of these can take a heavy toll on your pocket, and this is why there’s a need for a financial cushion, namely a Personal Loan, for wedding expenses.

In fact, many expenses aren’t immediately apparent – most families realize too late that weddings can cost almost twice the planned budget! You’ll also have to put money aside for post-wedding expenses like honeymoons and housing for the newly-wedded couple. But there’s no need to worry, with a wedding loan you can take care of all these expenses and comfortably pay it back every month.

Also Read : How a Loan Can Help You Have Your Dream Wedding ?

As simple as saying ‘I do’

Since the eligibility criteria of Personal Loans aren’t very strict, they are the primary choice when it comes to managing wedding expenses. Multiple companies provide Personal Loans, so it doesn’t matter if you’re looking for a Personal Loan for son’s wedding or a Personal Loan for daughter’s wedding – there is always a good choice. For instance, Bajaj Finserv, a leading Non-Banking Financial Company, offers loans up to amounts of INR 25 lakh, with great features such as 5 minute online approval and a record-setting turnaround period of 72 hours. All these options make it perfect for that quick injection of funds you need to smooth over expenses during your family’s time of joy. Just ensure that you choose the right lender, based on the conditions and features of the loan.

How can I get a Wedding Loan?

Any salaried employee earning a monthly income of at least Rs.18,000 at a registered organisation can get a Personal Loan quite easily.

You could apply for a wedding loan online with NBFCs like Bajaj Finserv who offer Personal Loans of up to Rs.25 lakhs. Another option that you can explore is going for a joint loan with either your spouse or your parents.

If you are a parent who is now retired and wants to take a loan for your child’s wedding, you may do so against your pension. Senior citizens are permitted to take loans of up to Rs.5 lakh until the age of 70.

Thepaperwork

The documents that you’ll need for loan application vary according to whether you’re a salaried employee or a self-employed businessman.

If you fall into the first category, you’ll need to submit:

Before you take the final step

Just before you take that Personal Loan, it’s vital that you keep some factors in mind to ensure that you don’t get caught up in the loan trap:

  • The first is your capacity to pay the monthly recovery amount for your loan. You must be able to afford your EMIs. There are simple methods to calculate your preferred EMI on a loan and correspondingly, the total loan tenure. Once you’ve done that, you’ll be free to decide the scale of your wedding. Make sure you borrow within your means, or you might land yourself in a sticky situation.
  • The second factor is your lender, and the Personal Loan interest rates that you’re offered. There is no way to know whether a given bank will offer you the best principal, tenure, and rate of interest, so make a habit of doing thorough market research before you fill out an application form. You could apply online for a Personal Loan at organisations like Bajaj Finserv, who offer Flexi Personal Loans at low interest rates. The key is to make sure you know the nature of the loan you’re applying for, and not ignoring the fine print.

Let the bells ring

Now that you’ve got all these details down, you can proceed to apply for the Personal Loan that best suits your wedding needs. You’ve got the necessary details, documents, and all the advice you will ever need – all that’s left is for you to do is spend lavishly on the wedding you’ve always dreamt about, and make it a truly unforgettable event!

Also Read : 
Your Guide to Planning a Gorgeous Indian Summer Wedding


Apply for Wedding Loan Online Check your Personal Loan Eligibility

Personal-Loans-for-Your-Holiday

How a Personal Loan can Fund Your Summer Vacation

Unlike the past, a holiday is not an unachievable luxury anymore. Just like buying a home or a car, you can take a Personal Loan for travel to finance the summer vacation with your family that you’ve been planning for quite some time. Whether you’re treating your family to a lazy holiday, or are looking to satiate the wanderlust in you, opting for a Personal Loan is the most convenient option you can find right now to fund your travel plans.

Why should I take a Personal Loan for vacations?

For starters, Personal Loans are extremely easy to avail and rarely require any form of collateral. If you meet the eligibility criteria set by the lending institutions and have the appropriate documentation in place, there is a definite chance your application will get an approval. There are certainly a lot of attributes that emphasise the usefulness of a Personal Loan for a vacation. Here are a few of them.

  1. Quick processing: Generally, holiday plans in Indian households tend to materialise out of the blue. Imagine you have some very close guests home who pitch the idea of a dreamy holiday far away from the hustle and bustle of the city and deep down inside, you know that you’re desperately in need of a break from the monotony of your life. Instead of being disheartened by thinking that you might not have the sufficient funds, you can simply opt for a Personal Loan.
  2. Fits your budget: One advantage of choosing a Personal Loan for a summer vacation in India or abroad is that the EMIs follow a fixed timeline that is decided before the loan is sanctioned. This period could range anywhere between 1-5 years. This means that you can comfortably chalk out a budget that lets you plan your finances without much trouble.

Now that you know the benefits of using Personal Loans for travelling, here are a few of the travel itineraries that lending institutions fund.

Personal Loan for Overseas Travel

A vacation loan is certainly a great option to assist you on your overseas travel, whether you are visiting the beautiful countryside of Sicily or exploring the wild, untamed rainforests of South America. If such an expedition is on your mind and you’re looking for financial reinforcements, you can opt a Personal Loan from lenders like Bajaj Finserv, who offer loans of up to Rs.25 lakh with various features like instant approvals and part prepayment facility.

Personal Loan for Vacation in India

Doesn’t the idea of touring the far corners of India appeal to you? Whether it’s trekking through the magical Himalayan foot-hills, going on a guided tour of the majestic city of Jaipur or chilling on a cruise to the Andamans, vacation loans are your best source of money.

Things to keep in Mind While Applying for a Vacation Loan

While using Personal Loans to fund your travel is a good option, you also must be aware of the dos and don’ts so that you don’t overburden your finances.

What to do

  • Set a budget

Yes. Setting a budget is the first and most essential step you can take. Without a budget, there’s a high chance that you may spend beyond your means and end up regretting your decision to take the trip altogether. So, always plan accordingly and decide on the amount you want to take before you drop in your application.

  • Keep a check on the interest rates

It is a known fact that Personal Loans come bearing high interest rates than other types of loans. However, you need to keep a track of the interest rate trends so that you can sketch out how much you are going to pay during the duration of the loan. You should also be wary of loans with added benefits, as they may come with much higher interest rates.

Look for Flexible Repayment Schedule

Always look for loans that come with flexible repayment schedules. For instance, if you’re going for an unsecured loan, look out for any penalties in case you decide to foreclose or extend your loan period. Choose the one with the best terms and conditions.

  • What not to do

In your pursuit to get the travel loan you are looking for, you must certainly avoid making these mistakes as they may cost you big.

  • Never borrow too much

It is of no doubt that you will have a splendid, luxurious experience if you have more money to spend. But refrain from falling under the temptation and borrowing more than you can handle because doing so may put your finances in jeopardy.

  • Repayment tenure

Try not to extend your repayment tenure as it may increase the interest rate on your loan. Making such a move can also have an adverse effect on your overall credit score. On the other hand, if you shorten your repayment tenure, you’ll save up on interest costs and can look forward to affording another loan in the future.

How do I Apply for a Travel Loan?

Availing of a travel loan is fairly simple as all the banks and NBFCs follow a similar process wherein you have to submit a completely filled form to the respective institutions along with the documentation. There are several financiers who also allow you to apply online. For instance, lenders like Bajaj Finserv encourage you to apply travel loan online while offering benefits such as low interest rates and much more.

There you have it. That’s everything you’ll ever need to know about availing of a Personal Loan to fund your summer vacations. But before you actually go through with the process, you need to evaluate your financial standing and plan the trip accordingly so that you don’t end up in a sticky situation wherein the loan amount becomes too hard for you to handle.

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Renting-vs-Buying-a-House

Renting vs. Buying – should you make the big leap ?

The biggest decisions of your lifetime, gets simplified here!

 

Buying a new house is one of the biggest decisions anyone makes in their lifetime.

But the question that arises most often is whether to rent a house or to buy one. While buying a house requires immediate availability of funds, renting does not provide the same security of owning a home. Both cases present some compelling arguments.

The decision usually depends on your current financial condition, ease of moving, availability of homes and other such personal circumstances. Lets’ take a look at some factors that influence the decision of renting vs. buying a house.

Pros & Cons of Buying a Home
Buying a home is a huge financial commitment. However, the introduction of home loans has made this task much easier. Home loans allow you to make the big leap and own that beautiful home you always wanted.

Owning a home has a lot of emotional value attached to it as it provides long-term security and a sense of permanency to you and your family.

When you buy a house, there are a lot of other benefits too. Buying a house is a long-term investment for one, and you can expect high returns as the property prices are usually on the rise. This gives you the added advantage of a possible lower interest rate in the future.

In addition, when you take a home loan you can avail of tax benefits under Section 80C of the Income Tax Act. Lastly, your credit profile improves if you own a home.

The downside to buying a home is that you are committed to staying in the place for at least 10-15 years. Therefore, you should make sure you like the locality too, as moving to another home will not be that easy.

Additionally, if you are taking financial help to own a home, there are some initial costs that need to be incurred, including the down payment and additional fees.

And after the down payment, comes the monthly interest or the mortgage. Other recurring costs include home insurance and property taxes, although these are tax deductible. Maintenance also becomes your responsibility, so you have to pay for day-to-day expenses, such as costs for plumbing issues, chipped walls and other such breakdowns.

Advantages & Disadvantages of Renting a Home
On the other hand, renting a house gives you relative freedom from the responsibilities of owning a home. For all maintenance issues, you can simply call the owner and get it done. You do not have to pay insurance and property taxes per month either.

And say, if you want to move for any reason, you can just pack up and leave as there is very little procedure involved. You will, however, need to serve a notice as per the initial agreement.

There are some disadvantages to renting a home. The money that you pay as rent does not go towards any investment and therefore could be considered unproductive.

Dealing with the landlord on a daily basis can be a tedious task, and disputes on home-related issues are common. Your initial deposit can get wiped out eventually with the maintenance costs incurred. In addition, you do not get complete control of your home, that is, there are limitations on the way you can decorate or furnish your rented home.

Renting or Buying, Which is Right for You?
As you can see, renting vs. buying a house is a tough decision to make. It is therefore advisable to consider both options thoroughly, especially when the interest rates are low.

In which case there could be very little difference between buying and renting a home. Check your monthly outgoing before making such decisions. A simple comparison of your monthly rental and your monthly EMI will give you the answer.

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Top reasons for Personal Loan rejections

Top Reasons for Personal Loan Rejection

Who likes to wait in a long line, and then be told, you’re not eligible? We demystify the top reasons for Personal Loan rejections here.Taking Personal Loans is one of the best ways to finance your immediate requirement for cash. Banks or any other financial institutions however, will verify your profile against strict lending criteria, before approving a loan application. Getting a Personal Loan is therefore not easy and having a good credit history is extremely important.

Your credit score is determined by the Credit Information Bureau (India) Limited or Credit score. Sometimes though, your Personal Loan can be rejected even if your CIBIL score is high.

Here are Some of The Reasons For a Personal Loan Rejection

Reasons for Personal Loan Rejection

  • Insufficient Income
  • Bad Credit History
  • Invalid Details
  • Previously Rejected Loans

Insufficient Income:

Your income plays a major role in influencing the bank’s decision. If your income is unable to sustain your monthly repayments then your application for a Personal Loan is likely to get declined. The bank will also check your job profile to assess the stability of your current job. If you are on probation, have a temporary job, or are constantly switching jobs, you may not get pre-approval from your bank. If, however, you lose your job between the time you apply for the loan and the time your loan gets finalized, or if there are any other changes in your financial situation, the bank would have enough reasons for a loan denial even after giving you a pre-approval.

Banks will also consider the financial situation of the company you are working for. In addition, if you are already paying EMIs on another loan, then your income minus the EMI will be considered for the approval.

Bad Credit History:

Before lending any amount, any lender, whether a bank or another financial institution, will first verify your credit history. Defaults on loans taken earlier, loans that are overdue, court judgments, skipping EMIs, as well as late payment of electricity, telephone and credit card bills are all factors that impact your credit history. If you have been a loan guarantor to someone who defaulted, the bank will consider you as accountable.

Also Read : How to get a Personal Loan with bad credit

Invalid Details:

All the details provided on your application will be verified. If any incorrect details are provided, the bank will have a good reason to reject your request.

Previously Rejected Loans:

A loan application that has been previously denied gets reflected on your CIBIL record. This greatly reduces your chances for a loan approval. It is therefore advisable to hear from one bank before you apply to another. This gives you the opportunity to raise your credit score and apply again.

Also Read : How To Raise and Increase Your Credit Score

To avoid your loan application being rejected, always check your credit score before applying. You can get a copy of your credit record from CIBIL and sort out any issues thus found. Moreover, you must find out your bank’s requirements for getting a Personal Loan. For instance, you can ask your bank what is the minimum income required for a Personal Loan. Lastly, always validate all the eligibility details and documentation that you will be providing to the bank.

 Top reasons for Personal Loan rejection


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