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- 6 Personal Loan Benefits you need to know today
6 Personal Loan Benefits you need to know today
A Personal Loan is a great boon when you need money without too much of a hassle or borrowing from friends or family. Whether it’s for medical expenses or a wedding, foreign travel or study abroad fees, home renovation or short-term cash, you can get a Personal Loan quickly and easily. A Personal Loan is convenient because you can repay it over a period of time in pocket-friendly instalments and you can get quick disbursal with little or no paperwork.
Here are some of the key advantages of Personal Loans.
Hassle-free loan processing: You can apply for personal loan online on the website or via NetBanking, at an ATM or by visiting your nearest branch. The application process is quick and the documentation is minimal
Instant disbursal: You could get a personal loan in 10 seconds* if you are an HDFC Bank customers. Others can get one in 4 hours*.
Free to use the funds for any purpose: One of the biggest advantages of Personal Loans is that you can use your funds for any purpose you like – be it a wedding, a holiday, a gadget, business investment, home renovation etc. A Home Loan or a Car Loan must be used for the purpose that you borrow it.
No need to provide collaterals against the loan: Personal Loans are unsecured loans – this means you do not have to mortgage collateral such as your home or shares to get the loan.
Easy documentation: The paperwork and the processing time required for a Personal Loan is much lower than for most other loans. You can get a loan with the following documents: ID proof, address proof and income proof. If you are pre-approved for a Personal Loan, you may not even need to submit any documents.
Pocket-friendly repayment: You can pay off your Personal Loan in easy instalments or EMIs. The payment terms are usually flexible, and you can choose a tenure that allows you to optimize your monthly outgo according to your needs. HDFC Bank offers tenures of 12 to 60 months with EMIs as low as Rs 2,162 per lac. You can check your Personal Loan EMI calculator.
With so many benefits, a Personal Loan offers the ideal financial assistance, to Jio Shaan Se! Apply now!
Know What is the best way to choose a best Personal Loan?
Terms & conditions apply. Personal Loan disbursal at sole discretion of HDFC Bank Ltd. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances.