Chandigarh Personal Loan are given by most major banks and financial institutions to individuals without asking for the requirement or need in Chandigarh. They are unsecured loans given from Rs. 50,000 to Rs. 40,00,000 which means that you need not mortgage anything or show an asset. Some reasons for availing a Personal Loan in Chandigarh include medical needs, travel, home renovation, wedding, good purchases and so on. Other reasons for which a loan can be availed is to get a top-up loan, balance transfer or debt consolidation.
If you need a Personal Loan in Chandigarh, you must have a good credit history and adequate salary to get your personal loan sanctioned with a Bank or an NBFC in Chandigarh. Other factors like years of employment, company you work for etc will determine the most important factors like amount, tenure and rate of interest. Some of the banks in Chandigarh give you the flexibility to pre-close the loan without any additional charges. Most banks have a pre-closure charge in the 4%-5% range.
Chandigarh derives its name from 2 words, Chandi refers to the goddess Chandi and Garh which stands for fort. Chandigarh is situated at the foothills of the Sivalik range and spread across 114 kms. Chandigarh shares borders with Haryana and Punjab. It faces extreme climates ranging from -1 degrees to 46 degrees centigrade. Chandigarh faces heavy rainfall during monsoons especially between August and September.
Chandigarh is a Union Territory of India, situated in the Northern part of India and it is considered the “Beautiful City of India”. This UT is directly ruled under the President’s command and not by any state. Chandigarh happens to be known for its architecture and design and it was in fact the first planned city of India after independence. Le Corbusier, a French Architect played an instrument role in shaping up Chandigarh back then. The roads in Chandigarh are well covered by trees and have a forest cover of approximately 8.5%, the third in India after Lakshadweep and Goa.
Along with being rated the cleanest city back in 2010, it is also tops the list of states and Union Territories for the highest per capita income. Three major trade promotion organisations are head quartered out of Chandigarh i.e. Federation of Indian Chambers of Commerce & Industry (FICCI), PHD Chamber of Commerce and Industry (PHDCCI) and the Confederation of Indian Industry (CII). It also houses some of the best education institutions of India.
There are multiple places of interest in Chandigarh, some the famous ones being Sukhna Lake, Rock Garden, the Rose Garden and the Leisure Valley.
Multiple banks and NBFCs have branches across the vast city of Chandigarh in general. Most provide full service operations in the city with may branches catering to customers with a requirement of personal loans and business loans. Apart from this they also provide the whole bouquet of services including core banking, commercial lending, asset management, investments etc.
We do not take a fee or commission from your amount when you apply for personal loan online in Chandigarh through us. We ensure that you get the best deal for personal loan in Chandigarh by comparing your details against the eligibility criteria of various banks and NBFCs. Check out our different sections on EMI calculator, CIBIL calculator, Eligibility calculator to find out more about how will be able to get the lowest interest rates for personal loan in Chandigarh. We help process requirements in every area across the city of Chandigarh. You can get instant personal loan online approval in Chandigarh provided you meet the right criteria for a bank or NBFC. Every step will completed as per you convenience with documents collected from your doorstep. Personal loan agents in Chandigarh will help you apply with a limited set of banks and might not be able to get you’re the best deal for personal loan. So apply for personal loan online through our site and we will check your ability to get the lowest interest rate for personal loan in Chandigarh.
Eligibility Criteria for Personal Loan in Chandigarh
Age of the applicant should be between 21-60 Years
Salaried individual with minimum income of Rs 15,000. Salary bracket would again depend on the city you live in and the company you work for. Eg. If you are in a Metro the salary requirement will be higher than non-metro and again if you are working in a top MNC the salary requirement would be lesser than one working with a startup.
Should be staying in the city for at least 1 Year
Total work experience should be at least 2 Years
You would require basic documentation such as your address proof, identity proof, latest bank statements etc
Be informed of the different ways your Personal Loan Rate of Interest in Chandigarh is calculated so that you take the right decision when it comes to choosing your loan at the lowest interest rates. Apply below to get started and to know the offers that are available on your Personal Loan in Jul 2017
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Start your Personal loan search by using our simple natural language form. Trust us, it takes only 37 seconds to complete!
Your information is then passed through our proprietary eligibility algorithm to tell you the different banks and NBFCs in Chandigarh who can lend to you.
After you choose a particular option that seems best to you, we call you and help you with the complete documentation.
The bank/partner in Chandigarh will then collect all your documents and start processing your loan. We will notify you when your documents are approved and when your personal loan is ready to be sanctioned.
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