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HDFC Personal Loan: Features, Eligibility and Charges

aarthurmorgan8 by aarthurmorgan8
April 23, 2022
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If you are looking for a personal loan, you should read this article. It contains information regarding HDFC personal loan features, eligibility, and charges. This article will discuss various features of the personal loan, including the low rate of interest, eligibility criteria, minimum documentation, debt consolidation, and age criteria. HDFC Personal Loan is one of the best options for people who need money for various purposes. It offers low-interest rates and flexible repayment plans for different ages and financial backgrounds.

Low rate of interest

HDFC Bank offers a personal loan with a low rate of interest. The amount of interest a borrower will pay depends on their credit rating and income. Those who have a CIBIL score close to 900 qualify for a low rate of interest. Moreover, their age also plays a role in the interest rate. People near retirement are more likely to qualify for a low rate of interest.

The minimum salary for HDFC personal loan borrowers depends on the scheme applied and annual turnover terms. Other eligibility requirements for this loan include a duly filled and signed application form, and one of the listed identity and address proofs. Depending on the scheme, applicants can get as much as Rs. 50 lakhs of the personal loan without pledging any collateral or security. To stay updated on the status of your loan, check the HDFC Bank website or call customer care.

Minimum documentation required

To avail of HDFC Personal Loan, you must be an employee of one of the HDFC listed companies. Otherwise, you should have a monthly income of Rs. 75,000 or more. Apart from this, you must have a good repayment history. Your CIBIL score must be above 720 basis points. You can apply for this loan jointly with your spouse or parents, as long as they are your primary borrowers.

HDFC Personal Loan eligibility and charges are based on your salary and the scheme you are applying for. The minimum amount you can borrow depends on your monthly income and the terms and conditions of the scheme you apply for. Other requirements for HDFC Personal Loan include duly filled loan application forms, one of the listed identity proofs, and valid address proof. If you do not have the necessary documents, the bank may deny you an application for this loan.

Consolidation of debts allowed

With the introduction of COVID 19, HDFC Bank has resumed its operations and is now lending to nearly 27000 customers. It was almost 48 thousand before the moratorium. Despite the stabilization of the situation, borrowers were still facing a financial crunch. The bank has thus come up with a new framework to support borrowers. Listed below are some of the features of HDFC Personal Loan.

One of the key benefits of the loan is the opportunity to consolidate your debts. You can combine multiple loans into one and make payments on them much easier. Consolidating your debts can help you repay a substantial portion of your existing debts in less time. If you are paying a higher interest rate than the market average, then a balance transfer can be a great option.

Age Criteria

HDFC Bank offers several loan options to fulfill your personal needs. You can get a loan if you are a 21-year-old working in an organization. HDFC Personal Loan eligibility criteria include being employed for a minimum of 2 years. Your CIBIL score should be at least 750. The higher your CIBIL score is, the lower your interest rate. If you want to borrow more money, you can apply for a loan with a higher interest rate.

You can avail of HDFC Bank personal loan if you are working in an organization that is reputed in the market. It is best suited for those individuals who earn a steady income and have stable fixed obligations. HDFC Bank does not ask for a guarantor in the case of a co-borrower with a good credit score. Moreover, HDFC Bank does not prefer lending to certain industries or customer segments.

Balance transfer option

If you are having trouble repaying your current personal loan, you can switch to a new bank account with a balance transfer. If you are eligible for a personal loan, HDFC can help you transfer your balance to a new account with lower interest rates. This transfer option is available to salary as well as self-employed individuals, and it is a great way to lower your monthly payments while extending your repayment tenure.

Applicants must be salaried or self-employed and have a good credit score to get approved. HDFC will consider your repayment capability and credit history as the major determining factor for approval. Your CIBIL score will provide a thorough analysis of your ability to pay back your loan. In order to qualify for a loan, you must have a credit score over 750 and be a resident of India. Applicants also need to have a photocopy of all property documents, including their own contribution proof.

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aarthurmorgan8

aarthurmorgan8

Arthur is a dedicated blogger who is particularly interested in writing about what he learned, a great storyteller, ideas to make your life simpler, and how you may achieve your objectives. His sole passion is to explore the internet in search of outstanding articles that will provide her with new ideas for article writing. He despises being a commoner who squanders her time. He is also on Medium, Forbes, dirt, and many more

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