Q1
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Personal Loan?
I want to know how do I get get a personal loan of a decent amount of money. Repayement of loan should be in EMIs. I have newly made PAN card, so haven't any IT return at all. Everybody is asking for 1-2-3 years IT returns. Could you please let me know whethere I'll be able to get any loan or not, if yes then from where if not then never mind.
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Asked by Debraj on 2006-08-14 06:08:20. |
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You can go for a personal loan without IT papers. There are many surrogate schemes that are available in the market such as
1)LIC Premium surrogate - you should have a LIC policy in your name and should be paying the premium on a regular basis. Also there is one more option in this LIC scheme - if you walk down to the LIC regional office and try to get what is the surrender value of your policy - LIC will provide you 90% on the surrended value immediately.
2)Auto Loan repayment surrogate - For this you need to have a car loan running with any financier and the repayment should be clean.
3)Credit Card Surrogate.- you should have a credit card in your name issued by any of the banker.
Hope this clarifies.
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Answered by banker on 2006-08-16 00:08:55. |
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A1
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Q2
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personal loan?
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Asked by deepak a on 2007-04-26 19:04:50. |
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Whats the ?
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Answered by yolandajdukes on 2007-04-26 23:04:39. |
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A2
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Q3
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Personal loan for salaried employee who is drawing RS.5000/month?
Require personal loan for home needs
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Asked by napasuresh_qc on 2006-08-31 09:08:16. |
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Every Bank has strict Lending norms one of them being Minimum income. In your case i would suggest have a look at an NBFC which should be able to provide you the loan, but the flip side being interest rate would be on the higher side compared to a Bank.
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Answered by lguru on 2006-08-31 10:08:37. |
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Q4
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i want apply for personal loan?
I am getting a sal of Rs. 12,000 pm. I want to apply for a personal loan of 1,50,000. i have a bank account from 3 months that my sal is credited in that, driving licence, voter ID, and also i have a salary statement that my company provided for this purpose. Is pay slip is necessary for this personal loan? (my company is not providing.) Can anyone help me in this regard. please refer any banks giving with these stated above.
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Asked by sweet on 2007-08-10 13:08:58. |
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If you could asked your company to divert your salary so you can draw it direct from the bank and not through the company,you can easily get a personal loan from that bank,but they will deduct(the payment) it from your pay every month.
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Answered by AnuRemi on 2007-08-10 14:08:37. |
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A4
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Q5
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Cheapest Personal Loan in new delhi?
I am looking for a personal loan. Please suggest a bank which is the best in the market and offers minmum rate of interest?
Also state whether bank provide loan on fixed rate or floating and which one is better.
Also, guide as to which are the things that I should keep in mind while taking the loan.
Please asap, its urgent.
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Asked by Still Waters on 2006-08-03 14:08:15. |
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Check out State Bank of India, they offer the cheapest rate that too on reducing balance and yes they charge at a floating rate rather than a fixed rate this is the practise everywhere.
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Answered by Bond 000 on 2006-08-03 18:08:04. |
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A5
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Q6
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Need a personal loan to repay credit card debt(s) i've accumulated, & i have changed to a new job. Pls advise.
I live in mumbai, was working for PC sales & service, at a Branded Computers Dealer.
Due to delays in payments from customers & non payments by other dealers, my boss ended up with 5 to 7 lakhs of bad debt. And my salary & commission were on hold..
Last few months, I've been living on Credit Cards. Accumulating a debt of 2 lakhs, adding non payments and late fees.
It would be helpful if you could guide me to a bank, any financial consultant, or institute which can take over the credit card debt(s) to convert it to personal loan.
Thank you, God bless..
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Asked by vinod on 2008-01-12 13:01:05. |
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Those are called debt consolidation loans very hard to get. Google "debt consolidation loans" you will get a lot of junk sites, but also some that help. Also, try a personal loan from a bank, if your credit can handle it. Other than that, call a debt consolidation company, they will work with the creditors to lower the amount owed, and make a monthly payment schedule with you according to your budget.
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Answered by Jon K on 2008-01-12 13:01:13. |
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Q7
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Getting a Personal Loan?
I live at Mira Road (E), Thane, whenever i try to get a Personal Loan from any bank / institution they reject my application saying that the area where i live is a Negative Area, even after furnishing all the required details & documents...why this...i cannot understand...where can i get the right info from these people...or bring them to task?
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Asked by sabir s on 2008-03-14 17:03:50. |
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Write to RBI and copy to Ministry of Finance with the details of the bank, your interaction with them, etc. Each bank has an ombudsman appointed, approach this authority as well. You can complain to NHRC as well.
Remember, accepting or rejecting loan application is a bank's prerogative, but the ground for rejection can not as flimsy as you mentioned.
Try your luck. You can apply complete information under RTI Act.
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Answered by menauto on 2008-03-15 00:03:16. |
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Q8
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Use of personal loan amount for house construction be considered for deductions under IT rules?
I am planning to use personal loan amount for house construction and hence would like to know whether the interest component of it could be deducted under the 1.5 lac sealing( housing loan interest deduction).
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Asked by babu n on 2007-02-25 21:02:15. |
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Personal loan is used for personal purpose other than housing construction . In personal loan rate of intt is higher than housing loan. Again in personal loan no property is offered as security but in case of housing loan Equitable motrgage is created as security, so no income tax benefit is available in personal loan if ,is used for house construction.
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Answered by SONU on 2007-02-25 22:02:48. |
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A8
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Q9
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on what basis Personal Loan can get Gross Pay or Net Pay?
on what basis Personal Loan can get Gross Pay or Net Pay?
how much maximum loan i can get. My gross pay is 19500/- and Net pay is 11200/-
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Asked by sankum7104 on 2008-04-24 17:04:04. |
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just go through this site http://personalfinance2u.blogspot.com
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Answered by ramesh on 2008-04-24 17:04:39. |
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A9
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Q10
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I need a personal loan urgently. which bank to get?
Iam looking for a personal loan from a bank. please tell me the names of the banks. I am a salaried person .
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Asked by Bani M on 2006-07-09 21:07:19. |
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It depends on your credit. If you have good credit, any bank. Average credit, try the bank that you do business with and actually speak to the manager.
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Answered by BritLdy on 2006-07-09 21:07:55. |
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A10
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