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mirzaexpert · 2 years

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SBI Personal loan

SBI offers personal loans at an interest rate of 9.60% per annum onwards for loan amounts up to Rs. 20 Lakhs, and for loan tenures of up to 6 years. Apply for an SBI personal loan with CreditMantri and enjoy unlimited benefits.

https://www.creditmantri.com/sbi-personal-loan/

#sbi personal loan #personal loan

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adtv4u · 2 years

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एक अच्छे मूल्य वाले पर्सनल लोन को सुरक्षित करने के लिए कुछ उपयोगी टिप्स।

न केवल अपने वर्तमान बैंक या आस-पास के किसी अन्य बैंक से, बल्कि अन्य वित्त कंपनियों और ऑनलाइन उधारदाताओं से भी उद्धरण मांगना सुनिश्चित करें। सुनिश्चित करें कि जिन उधारदाताओं से आप पूछताछ करते हैं, वे आपकी क्रेडिट रेटिंग नहीं देख रहे हैं, जब तक कि आप उनके साथ अकेले आगे बढ़ने के लिए तैयार न हों। एक महीने में चार से अधिक क्रेडिट जांच संदिग्ध लगती हैं, और आपकी क्रेडिट रेटिंग को प्रभावित कर सकती हैं। पूछें कि क्या वे सुरक्षित पक्ष पर रहने के लिए पहले आपकी क्रेडिट-रेटिंग की जांच करने जा रहे हैं।

आपको यह जानकर आश्चर्य होगा कि ऑनलाइन साहूकार कंपनियों द्वारा दिए जाने वाले ऋण अक्सर अधिक सुविधाजनक होते हैं और बैंकों द्वारा दी जाने वाली शर्तों की तुलना में कम प्रतिबंधात्मक होते हैं। ऐसा इसलिए है क्योंकि ऑनलाइन उधारदाताओं के विपरीत, बैंक कई अलग-अलग तरीकों से पैसा कमाते हैं, जिनकी प्राथमिक आय उनके द्वारा उधार दी गई राशि का प्रत्यक्ष परिणाम है।

आपका क्रेडिट इतिहास कितना खराब है, इस पर निर्भर करते हुए, असुरक्षित ऋण ढूंढना बहुत मुश्किल हो सकता है, क्योंकि अधिकांश ऋणदाता बहुत अधिक दर लगाएं, और अन्य आपके आवेदन को अस्वीकार कर देंगे।

यद्यपि सुविधाजनक कम-रेटेड असुरक्षित या खराब क्रेडिट ऋण मिलना अभी भी संभव है, लेकिन इसकी संभावना बहुत कम है। सबसे चतुर विकल्प बजाय एक सुरक्षित ऋण की तलाश करना यदि आपके पास लौटने की वारंटी के रूप में उन्हें देने के लिए कोई संपार्श्विक है तो बहुत से ऋणदाता आपको कम दरों पर खराब क्रेडिट ऋण देने के इच्छुक हैं। आपके द्वारा उधार ली गई राशि के आधार पर, ऋणदाता आपकी कार या घर को सुरक्षा के रूप में लेंगे और खुशी-खुशी आपको अपना ऋण प्राप्त करने की अनुमति देंगे।

ध्यान रखें कि आपके द्वारा उधार लिए गए पैसे को जल्द से जल्द चुकाना हमेशा बेहतर होता है।

उन ऋणों में से चुनने का प्रयास करें जो आपको जल्दी भुगतान करने की अनुमति देते हैं; जितनी जल्दी आप वापस भुगतान करते हैं, उतना ही कम ब्याज आप चुकाते हैं। वहीं दूसरी ओर अगर आप लोन की अवधि बढ़ाते हैं, तो आपको ब्याज के तौर पर बहुत अधिक पैसा देना होगा।

यद्यपि आप वास्तव में ऋण नहीं लेते हैं, यह आपके रिकॉर्ड में दिखाया जाएगा और भविष्य में किसी अन्य के लिए आवेदन करते समय आपके इतिहास पर बहुत बुरा लग सकता है, इसलिए अपने आप को उद्धरण मांगने तक सीमित रखें और केवल उस ऋण प्रस्ताव के लिए आवेदन करें जिसे आप मानते हैं सबसे अच्छा। यदि आपका आवेदन अस्वीकार कर दिया जाता है, हालांकि, आप अपनी सूची में अगले सर्वश्रेष्ठ प्रस्ताव पर जा सकते हैं।

आपके शोध में यह समीक्षा करने की सलाह दी जाती है कि क्या प्रदाता वित्त उद्योग मानक संघ (FISA) का सदस्य है, जो इस एसोसिएशन के लिए निर्धारित गोपनीयता दिशानिर्देशों का पालन करता है, औ�� उन प्रदाताओं को भी जो डेटा संरक्षण अधिनियम (DPA) के तहत पंजीकृत हैं, जो इसका पालन करते हैं उसे कानून का पत्र डेटा सुरक्षा रजिस्टर।

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targetstudy · 19 hours

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Which Loan is Best, FD, Gold Loan, Mutual Fund, Personal Loan

What is Loan

Some Types of Loans

FD (Fixed Deposit) Loan

You can take a loan against bank FD without breaking it. In this way, along with the benefit of maintaining the savings deposited in the bank, one also gets the necessary cash.

The interest rates (12–15%) applicable on FD loans are also lower than personal loans. This loan is also easily available immediately. Also, there is no need to submit many documents to the bank for this. Savings also remain intact along with debt.

Gold Loan

Gold loans have become attractive these days as gold prices have reached Rs 75,000 per 10 grams. Now you will get more loan than before on mortgaging jewellery.

#Sbi Personal Loan Calculator

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financesevaloan · 1 year

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Business Loan in SBI (State Bank of India)

SBI provides various loans to their customers business loan in sbi(state bank of India) is one of them. You can get hassle free finance to fulfil your working capital requirements related to business activity of the unit.

Business loans can be borrowed by any business owner and any entrepreneur to run their business smoothly. Generally, they ask for the business loan to manage their cash flow. Business loans can be categorized into various parts. The working capital is also a kind of what is business loan that can be borrowed from the SBI bank.

There are a few other points which are mentioned here related to the business loan in SBI.

Who can apply

All Business units engaged in manufacturing, services activities along with self-employed and professional individuals, wholesale/retail trade.

Quantum of loan (Min/Max)

You can avail the minimum loan amount above than Rs. 10 lakhs.

The Maximum loan amount can be up to Rs. 25 lakhs.

Charges applicable

Rs. 7500/- plus applicable taxes.

Unified annual charges comprising of processing fee, EM charges, documentation charges, Inspection, commitment charges and remittance charges (1 remittance per day free)

Collateral Security

The bank asks for the Minimum collateral of 40% in the form of exclusive mortgage charge on Land & Building/cash equivalent like lien/charge on Fixed Deposit, Mutual Fund etc.

Realizable value of immovable property can be taken for the purpose of collateral and property should be SARFAESI compliant.

Personal guarantee of all the directors/partners. However, personal guarantee of Professional director / Independent directors / Nominee directors will not be obtained.

Personal Guarantee of the owner of the Collateral Security offered as Mortgage/Pledge.

#business loan in sbi(state bank of India)#what is business loan #startup loan #stand up loan #professional loan #capital loan #personal loan #business loan #financeseva

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financehindiblog · 1 year

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youtube

#sbi bank #personal loans #instant loan #Youtube

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viralbake · 2 years

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State Bank of India or SBI, the country’s largest public sector bank has introduced a new credit service called Real Time Xpress Credit (RTXC) on its mobile banking application SBI Yono. SBI will treat this service as the flagship personal lending product. This type of personal credit service always booms in the market. There is … The post Need Financial Help? Apply For Loan With SBI’s Real Time Xpress Credit (RTXC) Service appeared first on Viral Bake.

#sbi personal loan service

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creditmoney · 2 years

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#finance #loans #loan news #sbi home loan #funding #personal loan #capital #creditmoney

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rudrjobdesk · 2 years

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SBI Yono Lite के ग्राहकों को आई परेशानी, करने लगे शिकायत! क्या आपने भी फेस की यही समस्या?

नई दिल्ली. भारतीय स्टेट बैंक (State Bank of India) के मोबाइल एप्लिकेशन योनो (Yono) के यूजर्स ने आज एक बड़ी अजीब समस्या का सामना किया. इस समस्या को लेकर कई यूजर्स ने ट्विटर पर लिखा और तब SBI ने इस मामले में लोगों को बताया कि एक तकनीकी प्रॉब्लम के चलते यूजर्स को परेशानी हुई है और इस प्रॉब्लम को दूर करने की कोशिश की जा रही है. दरअसल, Yono यूजर को उनके फोन्स पर गलत नोटिफिकेशन्स प्राप्त हो रहे थे. यह…

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#Instant Personal Loan on Yono #Problem in Yono Lite #sbi yono lite #yono sbi #yono sbi app #एसबीआई योनो #गलत नोटिफिकेशन #तत्काल व्यक्तिगत ऋण

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wealthwaves-blog · 2 days

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pricemint · 5 months

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How to Get the Best Personal Loan Offers in India

Introduction

In today’s fast-paced world, financial needs often arise unexpectedly. Whether it’s a medical emergency, a home renovation project, or a dream vacation, personal loans can provide the financial flexibility you need to make your aspirations a reality.

Pricemint, an Indian fintech platform, is dedicated to helping individuals unlock their financial potential by offering a straightforward and user-friendly process for obtaining personal loans.

Benefits:

Loan Comparison: Easily compare personal loan offers from multiple banks and financial institutions.

Competitive Interest Rates: Access low-interest rates and potentially save money over the loan tenure.

Convenient Digital Process: Apply for personal loans conveniently online, from anywhere.

Customized Loan Offers: Get loan offers tailored to your unique financial situation.

Flexible Loan Amounts: Choose from a wide range of loan amounts to suit your needs.

Varied Tenure Options: Select a repayment period that matches your financial circumstances.

Regional Considerations: Loan terms are adjusted to regional factors that may affect your eligibility.

Transparent Process: Clear information about interest rates, fees, and terms is provided.

Personalized Assistance: Receive guidance and support throughout the loan application process.

Privacy and Security: Your personal information is protected in accordance with their Privacy Policy.

How to Get the Best Personal Loan in a Minute –

Step 1: Select Your Employment Type

The first step in securing a personal loan through Pricemint is to define your employment status. Pricemint recognizes that different employment types may have distinct loan eligibility criteria. You can choose from the following options:

Salaried: Select this option if you are employed by a company and receive a regular salary.

Self-Employed Professional: If you work independently as a professional, this is the choice for you.

Business Owner: If you own a business, you can choose this option.

This initial step helps Pricemint tailor your loan options to your specific employment situation, ensuring that you receive the most relevant loan offers.

Step 2: Your Monthly Salary

Your monthly income plays a crucial role in determining your eligibility and the loan terms available to you. In this step, you will be asked to provide your monthly in-hand income. It’s essential to provide an accurate representation of your earnings to receive loan offers that align with your financial capacity.

Alternatively, you can simply type in your monthly income to expedite the process.

Step 3: Choose Your Primary Bank Account

Selecting the bank account for loan disbursement and repayments is the next step in the process. Your primary account should be the one you actively use for your financial transactions. Pricemint offers a list of popular banks to choose from, including HDFC BANK, SBI BANK, ICICI BANK, KOTAK BANK, AXIS BANK, BOB BANK, YES BANK, and an option for OTHER BANK. This choice ensures seamless loan disbursements and repayments.

Step 4: Provide Your Employment/Company Name

To gain deeper insights into your employment details, Pricemint requests the name of your employer or company. This information helps in assessing your financial stability and eligibility for personal loans.

Step 5: What’s Your Residence Type?

Understanding your living situation is crucial for evaluating your lifestyle and its financial implications. You will be asked to choose from various residence types:

Owned by You/Spouse

Owned by Parents

Rented with Family

Rented and Stay Alone

Company Provided

By selecting the option that best represents your current residence type, you help Pricemint tailor loan offers to your specific circumstances.

Step 6: Enter Your Current Residence City or Town

To consider regional factors that may affect your loan terms and eligibility, Pricemint requests the city or location where you currently reside. This information ensures that the loan offers you receive are in line with the conditions in your area.

Step 7: All Set! What’s Your Desired Loan Amount?

Finally, it’s time to specify the loan amount you wish to borrow. Pricemint offers a flexible range, catering to various financial needs. You can choose from the following options:

Under 1 Lakh

2/4 Lakh

5/9 Lakh

10 Lakh And Above

This wide range provides the

flexibility to select the loan amount that best suits your unique financial requirements.

Final Step – Enter Your Personal Details

In the last step, you will be required to enter your personal details, including:

Your Name

Your Email Address

Your Phone Number

This information is necessary to complete the application process and to contact you with personalized loan offers.

By clicking the “Get Offers/Apply Now/Continue” button, you indicate your acceptance of the Privacy Policy, ensuring the security of your personal information.

Conclusion

Pricemint makes obtaining personal loans in India a hassle-free process. By following the step-by-step guide outlined in this article, you can seamlessly navigate the application process, receive personalized loan offers tailored to your unique circumstances, and secure the financial support you need to achieve your goals and secure your future.

With a wide range of loan amounts, flexible tenure options ranging from 3 months to 8 years, and the ability to compare multiple offers with different interest rates, Pricemint empowers you to make informed financial decisions and choose the best loan deal for your needs.

Don’t let financial constraints hold you back from pursuing your dreams and addressing your urgent financial needs. Unlock your financial potential with Pricemint’s user-friendly personal loan application process and take control of your financial future. Get started today and embark on your journey toward financial stability and prosperity.

#bank #banking #credit #credit cards #credit repair #credit report #credit score #finance

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