₹2 lakh ke loan ki EMI
| Tenure | 12% par EMI | 16% par EMI | 20% par EMI |
|---|---|---|---|
| 12 mahine | ₹17,770 | ₹18,146 | ₹18,527 |
| 24 mahine | ₹9,415 | ₹9,793 | ₹10,179 |
| 36 mahine | ₹6,643 | ₹7,031 | ₹7,433 |
| 48 mahine | ₹5,267 | ₹5,668 | ₹6,086 |
16% par 12 ki jagah 48 mahine chunne se EMI ghatti hai, lekin kul byaaj lagbhag ₹17,754 se badh kar lagbhag ₹72,067 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.
₹2 lakh ka loan kaun leta hai
₹2 lakh aksar ghar ki marammat, shaadi ke kharche, higher education ki saal bhar ki fees, ya ilaaj aur family ke mile-jule kharche ke liye liye jaate hain.
₹2 lakh par kin baaton ka dhyaan rakhein
Is amount par apna kaam karne walon se zyada income proof maanga jaata hai — salary slip ki jagah aam taur par ITR aur bank statements. Dekhein self-employed ke liye personal loan.
₹2 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 ₹9,793 ki EMI (16%, 24 mahine) agar aapki koi aur EMI na ho to lagbhag ₹20,000 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.