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SBI Personal Loan Kaise Le | sbi quick personal loan Online |Eligibility Documents Fee and charges - YouTube
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SBI Personal Loan
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Friends, we will know in this video
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How can we take a personal loan from SBI
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People who already have a salary account with the SBI
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If they want to take a personal loan
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So we have already done a video for them
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Uploaded to your channel
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Whose link will be found in the description of this video
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Otherwise you will get the eye button
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So in this video we will know
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That the person whose salary account is not in SBI
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How can those people take a personal loan from SBI
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To take a loan from them
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Which documents will be required?
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Those people by following which terms and conditions
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You can be eligible to take a personal loan from here
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For repayment ie to repay the loan
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How many months will you get
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How much percent interest will be charged
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That is, all the things related to SBI's personal loan
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We will know in this video
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So let's know
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First i tell you
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That person whose salary account is not in SBI
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Those who get personal loans
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It is called SBI Quick Personal Loan
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Friends you under SBI Quick Personal Loan
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You can take a maximum loan of up to 20 lakh rupees
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With very little interest
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Together here, like you repay loan
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As the interest gets reduced
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That is, if you take a Normal loan from somewhere
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Then the entire loan amount is charged interest
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And the amount of interest is the amount
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You have to repay it by adding it
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But what is on here like if you took a loan for 12 months
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You repaid for 1 month
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So the amount that remains after the repayment
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He has an interest
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Then you make 2 months of repayment
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So after 2 months, interest is paid on what is there
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So in this way you have to give less interest here
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The processing fee here also very low.
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Hidden Charges friends do not have to pay here
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And the most important thing
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That here you do not need the security
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If you take a personal loan from anywhere
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So, as a gurantor there, you have to give a person
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Or a property has to be given
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So that if you are not able to repayment the loan amount
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So here you have the property with the bank
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The bank will sell the property and complete its loan amount
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Otherwise if someone has made person you a guarantor
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So if you do not repay the loan amount
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So that person has to repayment the loan here
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So friends here do not even need a guarantor.
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You can take a personal loan from SBI without any gurantor
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So now it comes to know which people are eligible
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To take a personal loan from SBI
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Here friends are the first age limit
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Whose names do you want to take a personal loan
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Must be at least 21 years old & maximum 58 years old
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Same friends is another condition
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That people are doing jobs
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Whose salary account is in another bank
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Their job must be a minimum of 1 year
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Together friends here
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EMI / NMI ratio should be less than 50%
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That is, if you have already taken a loan
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Or have a product taken on EMI
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So his installment should be less than 50% of your salary.
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That is, if your salary is 50 thousand
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So less than 25000 should be your repayment amount
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If you are paying EMI
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Or are you repayment a loan
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So add your total in a month
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Must have a repayment of less than 25 thousand
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Or must have EMI payment
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Only then you can take a personal loan from here
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Together, here your Net monthly income
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Must be more than 15 thousand
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Only then you will be able to get a personal loan from here
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Now it comes to how much amount of personal loan you can get from SBI
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Friends, you can get a loan of at least 24 thousand i.e. 24000 from SBI.
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And maximum of maximum
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Can get a loan of 20 lakh rupees
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From here friends you can take loan of so many rupees
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Then how much time will you have to repayment it
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Friends, you can take a minimum of 6 months to make a repayment.
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And you can take maximum time of 72 months i.e. 6 years
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So you can get this much time to refund the loan amount
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Now it comes to which document you will need here
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First of all, friends in the document
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2 passport size photograph will be required
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Second friends here, you have to give salary slip of latest month.
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The salary slip of last month will have to be given
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If you do the job, then you must know about the salary slip
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So here you have to give salary slip of last month
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Also the bank account in which your salary comes
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You have to give the last 6 months statement of salary account
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If you get income tax return
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So here you have to give income tax return paper
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And most important here
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You have to give an identity proof & Address proof
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So friends here to take a loan
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You will need this total of documents
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So now it comes to know how you will get this loan
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Friends to take this loan
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You can also apply offline by going to Normally Bank
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Otherwise if you want to apply online
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Then you will find a link in the description of this video
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SBI official website has a link to that webpage
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From where you can apply for this loan directly
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So you have to open that link Normally
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There you Name , Email Address , Mobile Number
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All these things have to be filled
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And then friends, you have to fill some personal details.
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And then you will be able to apply this loan online.
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Friends in a very short time after applying
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If you are eligible for loan
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Then you will get a call from the bank
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They will ask you some details
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Will verify your document
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And after verifying
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You will get a loan amount in your bank account.
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Then you can use that money anywhere.
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There is no need to give any detail in personal loan
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Where would you use the money
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So this way, friends, you will be able to take this loan
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Now it comes to this loan amount
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How much percent will you have to pay
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And which extra charges to pay
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Friends these data changes happen
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So we did not tell both these details in the video
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But rather the comment section of this video
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His top comment has interest and extra charges
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List of both
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From there you can know all about these two.
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So this way, friends, you must know by now
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That if your salary account is not in SBI
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Even then how can you take a personal loan from SBI
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Now it comes that if you do not have a salary account
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That is, if you do not jobs
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You are self-employed
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How can you take a loan then
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So if you want video too
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So you can comment in the comment box of this video
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If more comments come
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So By making a Dedicated video
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Upload it to my channel
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So guys if you liked this video
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So you can like this video
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If you notice anything bad in this video
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So you can comment in the comment box of this video
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So that we can improve our upcoming videos
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