{"id":2879,"date":"2020-07-31T09:55:37","date_gmt":"2020-07-31T09:55:37","guid":{"rendered":"http:\/\/magicloans.in\/?p=2879"},"modified":"2020-07-31T09:55:37","modified_gmt":"2020-07-31T09:55:37","slug":"personal-loan-noida","status":"publish","type":"post","link":"https:\/\/magicloans.in\/personal-loan-noida\/","title":{"rendered":"Personal Loan Noida"},"content":{"rendered":"\n<p><strong> Personal Loan <\/strong>Noida<\/p>\n\n\n\n<p>Personal Loan is an unsecured loan taken by any eligible applicant from a banking or non-banking financial company to meet their personal financial needs. Get the Best Rate on Personal Loan in Noida.<\/p>\n\n\n\n<p>It will help you to meet your current financial problems. You don&#8217;t need to pledge any security or collateral while applying for a personal loan. You can easily apply online via <a href=\"https:\/\/magicloans.in\">magicloans.in<\/a><\/p>\n\n\n\n<p><em><strong>Know More about <\/strong><\/em><a href=\"http:\/\/www.magicloans.in\/personal-loan\/\"><em><strong>Personal Loan<\/strong><\/em><\/a><\/p>\n\n\n\n<div class=\"responsive-tabs\">\n<h2 class=\"tabtitle\">Eligibility &amp;\nDocumentation<\/h2>\n<div class=\"tabcontent\">\n\n\n\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-9590 size-full\" src=\"http:\/\/magicloans.in\/wp-content\/uploads\/2019\/12\/download.jpg\" alt=\"Personal Loan Noida\" width=\"216\" height=\"233\"><\/p>\n\n\n<h3 class=\"wp-block-heading\">What is the Eligibility Criteria for Personal Loan Noida?<\/h3>\n\n\n\n<p>There are specific eligibility criteria and requirements which the applicant needs to fulfil to get the personal loan. The applicant is eligible to get a personal loan if you are a salaried employee or a Self Employed.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Salaried Employee<\/h4>\n\n\n\n<p>A salaried employee needs to fulfil the following requirements:<\/p>\n\n\n\n<ul><li>The applicant must have a minimum salary of Rs.18000 per month.<\/li><li>His age should lie between 21-60 years.<\/li><li>Moreover, one should possess a CIBIL score of at least more than 700.<\/li><li>His overall working experience should be 3 years and 1-year experience for current job.<\/li><li>Lastly, he must have a salary slips as proof to get the loan.<\/li><li>Most noteworthy: If a person receives a salary in cash, then he is not eligible to get the personal loan.<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Self- Employed Individuals<\/h4>\n\n\n\n<p>All self-employed individuals need to fulfill the following requirements:<\/p>\n\n\n\n<ul><li>The age of borrower varies. Usually, it is between      25-65 years.<\/li><li>He should have filed an Income tax return of 2.5-3      lakhs.<\/li><li>Also, the applicant should be filing ITR from the previous 3 years.<\/li><li>He must possess the CIBIL score of more than 700.<\/li><li>For residence proof, he should have his own office or house.<\/li><li>Also, he must have the working experience, at least of last 3 years.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">What are the Documents Required for Personal Loan Noida<\/h3>\n\n\n\n<ul><li>Firstly, the applicant must carry 2 coloured photographs in passport size.<\/li><li>After that, To get a personal loan he must have some documents for identity proof, Residential proof and Income proof.<\/li><li>Furthermore, For identity Proof, one can have a PAN card or Aadhar card or Voter Id card or Driving license or Passport. Any one of these documents can be presented in the form of Identity proof.<\/li><li>Also, For Residential Proof, again, he can have a PAN card or Aadhar card or Voter Id card or Driving license or Passport.<\/li><li>In addition, For Income Proof, you must have your salary slip of last 6 months or the bank statement. If you are self-employed, then you need to have income tax return statement of the previous 3 years.<\/li><\/ul>\n\n\n\n\n<\/div><h2 class=\"tabtitle\">Interest Rates,\nCharges &amp; Tenure<\/h2>\n<div class=\"tabcontent\">\n\n\n\n\n<h3 class=\"wp-block-heading\">What are the Interest Rates of Personal Loan  Noida?<\/h3>\n\n\n\n<p>Personal loan interest rates depend upon certain factors like income of the applicant, the amount of loan applied or the company. Usually, the interest rate of personal loan is 10.75% per annum. However, it may vary from time to time.<\/p>\n\n\n\n<p><em><strong>Check <a href=\"http:\/\/www.magicloans.in\/personal-loan-interest-rates\/\">Interest Rates<\/a> Here<\/strong><\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pre-closure Charges<\/h3>\n\n\n\n<p>When someone wants to close the loan before the completion of tenure of a loan, then this is called pre-closure. Personal Loans facilitate Pre-closure, but it includes some penalty charges. Generally, these charges are 0-2%.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What is the maximum Tenure of Personal Loan Noida?<\/h3>\n\n\n\n<p>The applicant can choose the tenure\nof their loan as per their convenience. Usually, it can be from 1 year to 5\nyears.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How can you Repay the Loan Amount?<\/h3>\n\n\n\n<ul><li>Repayment of personal loan can be made in 3 ways:<\/li><li><strong>EMI<\/strong> &#8211; Under this, the bank makes the instalment of a part of the interest rate and principal after which the customer need to pay it per month.<\/li><li><strong>Term Loan<\/strong> &#8211; The customer pays to the bank per month interest rate, and in the end, he will pay the principal amount as well.<\/li><li><strong>Overdraft<\/strong> &#8211; OD or Overdraft is a product which benefits the customer by allowing them to pay only for the used amount for that particular time. There is no interest charged on that loan amount.<\/li><\/ul>\n\n\n\n\n<\/div><h2 class=\"tabtitle\">Features<\/h2>\n<div class=\"tabcontent\">\n\n\n\n\n<h3 class=\"wp-block-heading\">What are the important features of the Personal Loan Noida?<\/h3>\n\n\n\n<ul><li>Personal Loans are easy to apply. The application process can be done offline and online as well. However, applying online is more comfortable.<\/li><li>The most desirable thing about a personal loan is that it does not require any collateral. The applicant gets the loan on the basis of their salary or income.<\/li><li>Moreover, the documentation process of personal loan is very simple. Only the basic documents are required.<\/li><li>Also, the tenure of a personal loan is very flexible. One can freely choose the period from 1-5 years.<\/li><li>Moreover, there are no restrictions upon the use of loan amount.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Where you can use the Personal Loan Amount?<\/h3>\n\n\n\n<ul><li>A personal loan is a multi-purpose loan. But still,      reasons are to be specified to get the loan.<\/li><li>Wedding- One can get a personal loan for wedding purposes. It normally involves large amounts.<\/li><li>Education- To get the excellent education you require money which you can get with the help of a personal loan.<\/li><li>Vacations-Vacations can be expensive, but this scenario can be solved with the help of a personal loan.<\/li><li>Medical- In situations like medical problems, there is a need for instant money. In this case, a personal loan can assist you with financial aid.<\/li><li>Besides these, a personal loan can be applied and used for several purposes as per the will of the applicant.<\/li><\/ul>\n\n\n\n\n<\/div><h2 class=\"tabtitle\">How to\nApply<\/h2>\n<div class=\"tabcontent\">\n\n\n\n\n<h3 class=\"wp-block-heading\">How to apply through Magicloans?<\/h3>\n\n\n\n<ul><li>First of all, visit our website <a href=\"http:\/\/www.magicloans.in\">magicloans.in<\/a><\/li><li>Then, fill the Personal Loan Application Form.<\/li><li>Lastly, you can get further details from our representatives.<\/li><\/ul>\n\n\n\n<\/div><\/div>\n\n\n<!-- Shortcode [pl-banks-cities] does not exist -->\n","protected":false},"excerpt":{"rendered":"<p>Personal Loan Noida Personal Loan is an unsecured loan taken by any eligible applicant from a banking or non-banking financial company to meet their personal financial needs. Get the Best Rate on Personal Loan in Noida. It will help you to meet your current financial problems. You don&#8217;t need to pledge any security or collateral&hellip;&nbsp;<a href=\"https:\/\/magicloans.in\/personal-loan-noida\/\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Personal Loan Noida<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","footnotes":""},"categories":[],"tags":[],"_links":{"self":[{"href":"https:\/\/magicloans.in\/wp-json\/wp\/v2\/posts\/2879"}],"collection":[{"href":"https:\/\/magicloans.in\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/magicloans.in\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/magicloans.in\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/magicloans.in\/wp-json\/wp\/v2\/comments?post=2879"}],"version-history":[{"count":0,"href":"https:\/\/magicloans.in\/wp-json\/wp\/v2\/posts\/2879\/revisions"}],"wp:attachment":[{"href":"https:\/\/magicloans.in\/wp-json\/wp\/v2\/media?parent=2879"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/magicloans.in\/wp-json\/wp\/v2\/categories?post=2879"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/magicloans.in\/wp-json\/wp\/v2\/tags?post=2879"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}