Agar aap naukripesha hain, to personal loan ka faisla zyadatar teen baaton par tika hai: regular salary, achha payment record aur nayi EMI ke liye budget mein jagah.
Lenders kya dekhte hain
- Har mahine bank account mein aane wali salary, jo salary slip se match kare
- Current job mein time aur kul experience — shartein har lender ki alag
- Company ki profile — kuch lenders companies ko categories mein rakhte hain
- CIBIL score — padhein CIBIL score kitna hona chahiye
- Take-home salary ke mukable chal rahi EMIs
Documents
PAN, address proof, recent salary slips aur salary credit wale bank statements; kuch lenders Form 16 bhi maangte hain. Oxon Fintech ke saath bank statements Account Aggregator se digitally jaate hain. Poori list: documents.
Salaried logon ke liye tips
- Agar abhi naukri badli hai, to nayi naukri mein kuch time poora hone ke baad apply karein.
- Salary ek hi account mein aane dein.
- Apply karne se pehle card ka chhota bakaya chuka dein, taaki chal rahi dendari kam dikhe.
- EMI ki date salary aane ke theek baad rakhein.
- EMI calculator se pehle EMI tay kar lein.