₹1 lakh ke loan ki EMI
| Tenure | 12% par EMI | 16% par EMI | 20% par EMI |
|---|---|---|---|
| 12 mahine | ₹8,885 | ₹9,073 | ₹9,263 |
| 24 mahine | ₹4,707 | ₹4,896 | ₹5,090 |
| 36 mahine | ₹3,321 | ₹3,516 | ₹3,716 |
| 48 mahine | ₹2,633 | ₹2,834 | ₹3,043 |
16% par 12 ki jagah 48 mahine chunne se EMI ghatti hai, lekin kul byaaj lagbhag ₹8,877 se badh kar lagbhag ₹36,033 ho jaata hai. Yeh rates sirf example hain; aapka rate lender aur aapki profile par depend karta hai. Apne numbers neeche ke calculator mein try karein.
₹1 lakh ka loan kaun leta hai
₹1 lakh sabse zyada search hone wali loan amounts mein se hai. Isse aksar koi medical procedure, shaadi ke kharche ka hissa, purani two-wheeler, ya card ke ooche byaaj par badhta credit card bakaya chukaya jaata hai.
₹1 lakh par kin baaton ka dhyaan rakhein
Agar jaldi chukane ka iraada hai, to sign karne se pehle Key Fact Statement mein part-prepayment aur foreclosure ki shartein dekhein. ₹1 lakh se mehenga card bakaya chukane par monthly bojh ghat sakta hai, par tabhi jab card par naya kharcha ruk jaaye.
₹1 lakh aur aas-paas ki amounts ka comparison
Example ke liye 16% par 24 mahine ke liye:
Eligibility
Lenders aapki income, chal rahi EMIs, CIBIL score, job ya kaam ki stability aur banking history dekhte hain. Mote taur par, lagbhag ₹4,896 ki EMI (16%, 24 mahine) agar aapki koi aur EMI na ho to lagbhag ₹10,000 mahina ki take-home income ke aadhe mein fit hoti hai. Zyadatar lenders apni minimum monthly income bhi tay karte hain, jo aksar isse zyada hoti hai, isliye dono mein jo zyada ho wahi laagu hogi. Puri jaankari: personal loan eligibility.
Documents aur apply karne ka tareeka
Aam taur par PAN, Aadhaar ya koi aur address proof, aur income proof (salary slips ya ITR) chahiye — dekhein documents ki list. Oxon Fintech ke saath aap ek chhota application bharte hain, apni consent se Account Aggregator ke zariye bank statements digitally share karte hain, aur hamare lending partners ke woh offers dekhte hain jo aapki profile se match karte hain. Accept karne se pehle lender ka Key Fact Statement padhein; paisa lender seedha aapke bank account mein bhejta hai.