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SBI Personal Loan Kaise Le | Instant Loan Online |Eligibility Documents Fee and charges - YouTube
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SBI Personal Loan
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Friends from State Bank of India
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How to apply for personal loan at home by apply online
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To take a personal loan from SBI
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What documents do you need
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And following which terms and conditions
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You can be eligible to take a personal loan from SBI
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How much maximum loan amount can you get from SBI?
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And how much interest will be charged on that loan amount
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To refund the loan amount
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How many months do you get
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And the most important thing
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That after taking this personal loan
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What extra charges do you have to pay
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We will know all these things in this video
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So let's know
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First of all, let me tell you that
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There are some types of personal loans in SBI.
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For example SBI Pension Loan , SBI Xpress Credit
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Loans Against Securities , SBI Quick Personal Loan
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There are many other similar types.
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So In this video, we will know about
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SBI Xpress Credit Personal Loan
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First of all here friends
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SBI Xpress Credit Personal Loan
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Let's know about some benefits
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The first of its benefits
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That is, under this, you can take a maximum loan of up to 20 lakhs.
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And the interest that is charged on this loan amount
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If you take the same loan amount from another bank
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So there is as much interst on
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According to him, very little charge interest is given in SBI
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Along with this, the processing fee has to be paid very less.
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The document is also very rarely given here.
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Along with Hidden Cost i.e. Extra Charges
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They have to pay almost nothing
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And the most important thing guys
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Here you do not need Guarantor at all.
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That you would know
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If you take a personal loan from a bank
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So there you need a guarantor
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That means you there
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You have to provide some costly paper
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Like Land, House has to give some paper of all this
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You get a loan on its basis
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Otherwise, A person has to become a guarantor
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So that if you can't repay the loan there
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So the bank can sell your product and repay the loan.
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Otherwise the person who made the guarantor
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They have to pay a loan amount there
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So there is no need for a guarantor here.
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Here are some benefits guys
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Now it comes under SBI xpress credit
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Which people can get a loan
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What is its eligibility
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First of all here friends
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What ever person wants to take a loan under this
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Their minimum age should be 18 years
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And together here you are taking a personal loan
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So your CIBIL score should also be good
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If there is any problem in your CIBIL score
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So you first get her to Solve
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If it is bad you improve it
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After that you apply for loan
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Because if your CIBIL score is bad
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So here it is confirmed that
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You will not get the loan amount
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So if you don't know much about CIBIL score
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Then I have a link to a dedicated video of your CIBIL score
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I will give this video in the description
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And in the eye button above
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From there you can know all about CIBIL score
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And if your CIBIL score is poor
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So you can improve it
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So here you have to see the CIBIL score
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After that, friends here on SBI Xpress Credit Loan
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The Banner is given on its website
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It is written on the above
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Loan to Salaried Employees having salary account with SBI
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That is, this loan
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Only the person who does the job
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And the salary account they have together
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He should be in SBI
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Only then you can get a loan
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Those whose salary account is not in SBI
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Or those who don't do jobs
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How will they get a loan
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I will share this further in the video
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So here friends, this is the condition
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The second condition is
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Income of those who do jobs
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The minimum should be at least 15000 rupees.
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Or should be more than that
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Only then they can get this SBI Xpress Credit Loan
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Together friends here
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EMI BY NMI Ratio
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Must be less than 50%
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That is what it means
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Like if your income is up to 50 thousand
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So if you have already taken a loan
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Or have any product taken on EMI
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So by adding that total EMI amount
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Must be less than 25000 rupees
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That is, it should be less than 50%
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Only then you will be able to get SBI Xpress Credit Loan
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So these are some conditions guys
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Now comes the document
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So as I told you, very few documents have to be given here.
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Because when you apply this loan
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So here you have to give salary account details
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So if you already have an account with this bank
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So you have already given all the documents
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So you have to give very few documents here
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Now it comes here that under this
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SBI Xpress Credit Personal Loan
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How much amount can a maximum and minimum loan take?
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Here friends, personal loans are also of two types.
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First Term Loan
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And Second Overdraft Loan
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So if you take a term loan
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So here you have to take a loan of minimum 25000
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The same if you want to know the maximum loan amount
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So that's 20 lakh
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That is, you can take a loan of up to 20 lakh rupees.
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Together friends talk about the overdraft loan
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So what is this overdraft loan
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What happens in an overdraft loan
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As if you took a loan of 5 lakh rupees
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And you get money from somewhere in the middle
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Extra money that you have
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So if you deposit that money in the bank
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So there was interest
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Not in the total amount that you deposited
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After that, the remaining loan amount will be levied on him.
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That is, you have to pay less interest.
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So if you get the facility of overdraft loan amount
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So in that condition
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You have to take a minimum loan of up to 5 lakhs.
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And it also has a maximum of 20 lakh rupees.
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Here friends, your monthly income is
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People know that they get loans up to 24 times more.
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Very few people are able to take this loan.
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So now the point is that here is the loan amount you have
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How much time will you have to return it
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And how do you return the loan amount?
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Friends, Here you can get a term loan or an overdraft loan.
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In both types of loan you get minimum 6 month time.
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To refund the loan amount
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And you can get maximum time of 6 years i.e. 72 months
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To return the loan amount to the bank
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So how will you return money to the bank
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Here you have to manually go to the bank and deposit
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No Dosto
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If you want, then you have given the details of salary account
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While taking loan, you will give the details of salary account
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Every month from the same salary account
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Your EMI amount
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That means your installment amount has been made
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That installation amount every month
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Automatic salary will be deducted from your salary account
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You don't have to do anything here
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So friends, your repayment gets completed
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So now it comes to how will you apply this loan online
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If you want to apply offline
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Then you can go to Normally Bank very easily and apply
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Same if you want to apply online
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So you have two options
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The first is that
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You can apply by going through the official website of SBI.
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So friends on the webpage that
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This loan is applied directly
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Direct link to that webpage
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You will find this video in the description
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By clicking on which you go directly to that webpage.
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And there you have to complete some simple steps
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You will get some account number, name
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That is to fill some personal details.
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And your loan is applied
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And another way is friends Yono application
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So guys what do you have to do in yono
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First of all you have to download YONO from PlayStore
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Then you have to register in it
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Then you have to register in it
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After registering, friends simply there
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Three lines in the left upper corner
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You have to click on it
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On clicking on it, you will get a loan option
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You have to click on it
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Then there will be an option of SBI Xpress Credit.
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You have to click on it
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Loan has to be applied to page
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There, you will be told all the things like eligibility, documentation
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And then you will get a button of apply now
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From where you can apply for SBI Xpress Credit Personal Loan
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So friends from there you applied
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Some time after applying or after few days
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As the bank service is going on now
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According to that a call will come 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 that, friends, if you are eligible
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So in a very short time
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You will get your loan amount in your bank account.
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And then friends, you can use that loan amount anywhere.
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Here you don't have to share anything with the bank
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Where will you use that loan amount
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Where will you use that loan amount
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Because this is a personal loan
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So guys, you will get a loan in this way.
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So guys, you will get a loan in this way.
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So now it comes to
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Which extras charges are required to this loan amount
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Friends, we have not told extra charges in the video
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Extra Chagas gives you the comment section of this video
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In that, you have a full list of extra charges in the top comment.
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You can know by going from there
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That in this personal loan
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What extra charges do you have to pay
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So now it comes to those whose salary account
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There is no maintenance with SBI
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How can they take a personal loan from here
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Friends when i was talking about loan types
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So there was also an option of an SBI Quick Personal Loan
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So this is SBI Quick Personal Loan Friends
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It is given only to such people
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Those whose salary account is not maintained with SBI
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Are you in another bank
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So if you want to make a video
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Also if you are on another loan type
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That is, people who are self-employed
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Or people who don't do anything
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How will they get a loan
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How much interest will be charged
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Want this kind of video
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So you can comment in the comment box of this video
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The type whose comments will be more
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By making videos of that type
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I will upload on my channel soon
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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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