Personal Loans

Get Money in 48 Hrs, Compare Options from 30+ Banks, Lowest EMI. Apply Instantly Loan Up to Rs. 30 Lakhs Approval in 2 Mins Disbursal in 48 Hours.

Types: Unsecured loans in Hyderabad for Buy a New and Used Cars,Marriage, Home Renovation, Vacation, Credit Card Repayment.

Swastik Financial services in Hyderabad, Telangana, Andhra Pradesh Guntur, Vijayawada,Amaravati,Vizag, Vishakapatnam,India Personal Loans in Hyderabad  for all your immediate financial needs, it is an unsecured loan and can be availed for any purpose, let it be buying a Laptop, any consumer durable, gold, paying off high-interest loans, credit card outstandings, medical expenses, functions in family, going on holiday, children education and many more.. Swastik Loans will help you fulfill your financial needs by arranging Personal Loans.

Basic Questions about Personal Loans Asked By Borrowers

For day to day requirement Citizens require Personal Loans for Various purposes.Generally, Borrower has So many doubts about the rate of Interest, Tenure of the Loan, Processing Fees, Hidden Charges, Name of the Bank whether the Bank is Private are a Public sector bank, If the Borrower is taking a loan from NBFCs he will what is difference between NBFC and Bank.Besides this customer will ask about required CIBIL Score to apply for a Personal Loan.

How much can I borrow?

Swastik Loans offer Unsecured /personal loans ranging from Rs. 50,000 to 50,00,000 are more than for borrowers requirement and need. RBI Monetary policy plays an important role in fixing the interest rates.To get a personal Loan Borrower should have a good Track record without any CIBIL Issues.Even though Borrower has a Low Poor  Credit CIBIL Score Multiple Private and Public Sector Banks and NBFCs are providing loan Facility.Swastik Loans will support the borrower to procure the loan even though the customer are borrower as a poor credit score.

What is the tenure for a Personal loan?

Depends on the Borrower requirement Personal loan/Unsecured Loan can be taken for Short Term are medium term are long term needs.Banker or NBFCs will discuss the tenure of EMI amount will intimate to the borrower before taking the loan amount.

How are personal loan amount and interest rates determined?

The loan amount depends mainly on your income along with others such as your age, credit history, and profession. To improve your personal loan eligibility, you can also club the income of your spouse during application. Interest rates vary as per lender, your profession and credit history. Borrowers working at a reputed firm can obtain lower interest rates whereas self-employed people get a higher rate.

Are there other charges besides interest rates?

Absolutely. Lenders charge an additional fee with the personal loan such as processing fee and documentation fee. Prior to agreeing on T&C, you must read the documents carefully and in some cases, negotiate the charges. Moreover, there are service taxes on interest payments as well as additional charges.

Can I pre-close a personal loan?

Bankers and NBFCs offer the flexibility to pre-pay the loan after six months of disbursement as per the guidelines on the prepayment amount. And there are some who allow borrowers to close the loan within 30 days of disbursement with additional terms and conditions.

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How do I avail a personal loan?

Swastik loans-Swastik Financial Services  in Hyderabad and all over India will help you to avail personal loans Alternatively, you can visit the website of the Swastik Loans and apply for a personal loan in  online.

Check Personal Loan Eligibility Criteria Before Applying

It is important that you check your personal loan eligibility before you actually apply for a loan; this benefits you in various ways. First you are saved from losing the processing fee that you pay when applying for a loan which is not refunded even if your application is rejected. Second you do not end up losing time in repeating the process in case of rejection of your loan application and your credit score is not negatively impacted because of avoidable hard inquiries. Online eligibility calculators offered by almost all lenders can aid you in the process. Eligibility criteria determines that at what income and credit score level you are eligible for how much loan and for what duration.

Compare Rates and Policies

Swastik Financial Services will helps about eligibility criteria and  then Swastik will compare the rates and explain to the borrower make sure to check other terms like loan tenure, pre-payment clause, processing charges and turnaround time taken to process the loan. Based on a comparison that considers all these aspects you should shortlist the financial institution that matches your requirements.

Apply for a Personal Loan with Swastik Loans

Applying for a personal loan is fairly simple.Bank or NBFCs do not ask for too many documents and the processing is quite quick. The basic conditions that need to be fulfilled to be eligible for a personal loan pertain to the following aspects; actual policies may vary from one FI to another.

Upper and lower age limit of the applicant.

How long the person has been employed, overall and with the present employer

Minimum income per month; this varies as per city and also whether a person is salaried or self-employed.

Documentation involved in applying for a personal loan is also much simpler as compared to other loans. Basic documents that are required include:

  • Proof of Identity
  • Proof of Address
  • Bank statement for last3/6 months.
  • Latest salary slip and latest form 16.
  • Proof of continuity of business for self-employed.

Swastik Financial Services will collect the above documents need to be submitted along with the duly signed application and photographs to the concerned Financial Institution. Applying for a personal loan is quite simple; however one needs to keep in mind that it has to be paid back in a timely and responsible fashion.

SWASTIK FINANCIAL SERVICES believes in providing continuous support to our customers also to clients. Our efforts will be completely provided to manage the loans effectively with the process and service which we provide. Every Indian has a dream of buying a property are taking personal loans ,car loans with our help and procedure we would be able to provide the more cost effective plans.