₹3 lakh ke loan ki EMI
| Tenure | 11% par EMI | 14% par EMI | 18% par EMI |
|---|---|---|---|
| 12 mahine | ₹26,514 | ₹26,936 | ₹27,504 |
| 24 mahine | ₹13,982 | ₹14,404 | ₹14,977 |
| 36 mahine | ₹9,822 | ₹10,253 | ₹10,846 |
| 48 mahine | ₹7,754 | ₹8,198 | ₹8,812 |
| 60 mahine | ₹6,523 | ₹6,980 | ₹7,618 |
14% par 12 ki jagah 60 mahine chunne se EMI ghatti hai, lekin kul byaaj lagbhag ₹23,234 se badh kar lagbhag ₹1,18,829 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.
₹3 lakh ka loan kaun leta hai
₹3 lakh shaadi ke budget mein jodne, medium size ki marammat, ya kai credit card aur app loan ke bakaye ko ek EMI mein laane ke liye aam amount hai.
₹3 lakh par kin baaton ka dhyaan rakhein
Agar sirf aapki income se EMI nahi banti, to kuch lenders co-applicant ki income bhi jodte hain — lekin woh bhi loan ka barabar zimmedar banta hai. Karz ek karte samay pehle har bakaye ki list banayein taaki naya loan sab chuka de.
₹3 lakh aur aas-paas ki amounts ka comparison
Example ke liye 14% par 36 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 ₹10,253 ki EMI (14%, 36 mahine) agar aapki koi aur EMI na ho to lagbhag ₹21,000 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.