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Frequently Asked Questions

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A personal loan can be used to cover practically any type of spending, from large equipment purchases and home improvements to luxury trips and debt reduction. Personal loans can also be used to pay for unforeseen medical expenditures, company investments, automobile repairs, down payments on new homes, and much more.

To determine eligibility for a personal loan, it's essential to have a consistent income source, regardless of whether you're employed, self-employed, or working as a professional. Your eligibility is also influenced by factors such as your employer, credit history, place of residence, and other criteria set by the lender

Individuals, whether they are self-employed or have a salaried profession, can seek home loans if they possess a steady income source. The age range for eligibility starts at 21 years when the loan term commences and should not surpass 65 years by the loan's conclusion or at the point of retirement. It's important to note that while this serves as the general eligibility criteria for home loans, specific details like minimum and maximum age requirements and income thresholds may vary among different lenders.

Primarily, the bank assesses your ability to repay. To compute the loan amount, they consider factors like your earnings, age, educational background, the size of your family, your partner's income, possessions, debts, job stability, consistent employment, and past savings. Yet, loans typically don't surpass 60 percent of the property's market value in terms of eligibility.

No specific limitations are placed on an individual's age or income when initiating a savings account. Nevertheless, varying minimum balance criteria could apply contingent on the type of savings account chosen.

Certainly, you can obtain a car loan for used vehicles. However, the interest rate for such loans will differ from those for new cars. It's important to note that the loan amount will only encompass the car's purchase price; additional expenses like registration transfer will need to be covered by you. u

Your credit score constitutes just a portion of your complete credit report. The broader credit report encompasses your complete credit interaction history, encompassing loans and credit cards, and tracks your payment history, whether punctual or delayed. This report also reflects the current state of each credit account, indicating if it's active, closed, delinquent, settled, and more. Together with these details and other information in your credit report, your credit score is determined.

The initial deposit amount necessary for opening an FD account is Rs. 1,000, though this requirement might differ among different banks.
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