Har lender apne rules khud tay karta hai, lekin zyadatar lenders ek jaisi basic baatein dekhte hain. Inhe poora karne se approval pakka nahi hota, aur kisi ek mein kami ho to hamesha "na" bhi nahi hoti — lender aapki poori profile dekhta hai.
Aam eligibility shartein
| Shart | Lenders aam taur par kya dekhte hain |
|---|---|
| Umar | Apply karte samay 21 saal ya zyada; upper age limit har lender ki alag |
| Nivas | Bharat ke nivasi |
| Income | Regular income — salary ya apna kaam — lender ki minimum limit se zyada, jo shehar ke hisaab se badal sakti hai |
| Naukri/kaam | Current job mein kuch time (salaried) ya business kitne time se chal raha hai (self-employed) |
| CIBIL score | Lender ki limit se upar; kai lenders 750 ke aas-paas ya usse upar pasand karte hain |
| Chal rahi EMIs | Maujooda EMIs aur nayi EMI mila kar income ka sambhalne layak hissa ho |
| Banking | Chaalu bank account, regular credits aur haal mein koi bounce nahi |
| KYC | PAN aur address proof |
Sabse zaroori baatein
CIBIL score aur credit history
Loan aur card time par chukane ka aapka record hi lender ke liye sabse bada saboot hai ki aap loan chukayenge. Score badhane ke tareeke padhein: CIBIL score kaise badhayein.
Income aur chal rahi EMIs
Lenders dekhte hain ki aapki monthly income ka kitna hissa pehle se EMIs mein ja raha hai — ise FOIR (Fixed Obligations to Income Ratio) kehte hain. Yeh jitna kam, nayi EMI ke liye utni jagah. Apply karne se pehle koi chhota loan ya card bakaya chuka dena madad kar sakta hai.
Stability
Stable naukri ya jama hua business lender ko batata hai ki loan ke poore tenure mein aapki income chalti rahegi.
Eligibility kaise badhayein
- Apni credit report dekhein aur koi galti ho to theek karwayein.
- Card ka bakaya ghatayein aur jo chhote loans chuka sakein, chuka dein.
- Utni amount maangein jiski EMI aaram se bhar sakein — pehle EMI calculator se check karein.
- Jahan lender allow kare, achhi profile wala co-applicant jodein.
- PAN, Aadhaar aur bank records mein naam, date of birth aur address ek jaisa rakhein. Dekhein documents ki list.
- Ek saath kai lenders par apply na karein — har application report mein ek enquiry jodti hai.
Naukripesha hain ya apna kaam karte hain?
Shartein milti-julti hain, bas income alag tareeke se check hoti hai. Padhein salaried ke liye personal loan aur self-employed ke liye personal loan.