Best Personal Loans in Gurgaon, Delhi-NCR
Gurgaon is one of the most important and economically developed towns in India located in the state of Haryana. It is considered a part of the National Capital Region and adjoins Delhi. Popularly called the Millenium City the town has seen rapid development over the past 30 years having one of the highest per capita incomes in the country. It is divided into 36 wards which are further divided into blocks hosting many apartments and residential complexes. The main road is the NH-8 expressway passing through Gurgaon which joins Delhi to Jaipur. The area hosts the offices of 250 of Fortune 500 companies and is a major outsourcing haven. The DLF Cyber City is a large hub which hosts many of these offices. Many famous educational institutions like the MDI Gurgaon, ITM University, The Shri Ram School are situated here. Leisure and commercial centres like Ambience Mall, Epicentre etc are located here. The area has seen heavy residential development with high property rates.
Personal loans in Delhi-ncr are given by most major banks and financial institutions to individuals without asking for the requirement or need. 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. The most common reason for taking a loan is debt consolidation. Some of the other reasons include medical, travel, home renovation, wedding and so on.
You need to have a good credit history and adequate salary to get a loan sanctioned. 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 Delhi-ncr 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.
There are multiple banks which offer a personal loan in Delhi-ncr such as HDFC Bank, ICICI Bank, Kotak bank, Axis bank and so one. There are also multiple NBFC’s in Delhi-ncr such as Bajaj Finserv, Fullerton, Tata Capital, etc which offer unsecured personal loans.