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Previously titled Jullundur, Jalandhar is an important transportation centre in Punjab with effective rail and road networks. The third-largest city of Punjab is renowned for its leather industry besides being a global manufacturer and exporter of sports goods.
Jalandhar is also one of the places to be selected for the Smart City Mission Phase II, which is expected to escalate the city’s cost of living even further. Thus, individuals in Jalandhar can opt for a personal loan to keep up with the rising costs and meet other large and small-ticket expenses.
Almost every financial institution has a specific personal loan app to facilitate an easy personal loan apply procedure online.
Here are the steps to follow to apply for a personal loan:
Step 1: Go to the lending institutions official website or mobile app. One may also opt to visit the lender’s branch.
Step 2: Fill the personal loan application form with your particulars, desired loan amount, and tenure.
Step 3: Submit the required documents to the concerned authority.
Upon a successful application and approval, get funds transferred to your account.
Unfortunately, not everyone manages to acquire funds through this means successfully. That’s because of the stringent set of eligibility criteria one needs to fulfil to apply for an instant personal loan.
Although personal loan in Jalandhar comes with some notable benefits like a flexible end-use, banks and NBFCs put particular importance on the applicants’ eligibility to make up for the credit’s unsecured nature.
Following is a list of parameters that both salaried and self-employed individuals need to satisfy to avail a personal loan.
Plus, they need to provide the following documents to support their eligibility.
Particulars |
Documents |
Identification proof |
PAN card, Aadhaar card, driving license, Voter ID, passport |
Address proof |
Lease agreement, utility bills, or any ID proof |
Proof of income |
|
· Salaried |
Employee ID, bank account statements of the last 6 months, latest salary slips |
· Self-employed |
Bank account statement of the past 1 year, ITR documents, income statement and Balance Sheet |
These hard-and-fast personal loan eligibility criteria along with elaborate documentation, can delay loan transfer, invite high rates of interest, and even prevent applicants from availing one, at worst.
To avoid loan rejection or high interest rates, one can consider a gold loan.
Gold loan is gaining increasing popularity as an alternative to an online personal loan in Jalandhar, Punjab due to several unique advantages, including:
All this and zero end-use restriction! Sounds unbelievable?
Do not contemplate. Since you have chosen Rupeek among a ton of “personal loan provider near me” search results, rest assured with the best of all worlds, loan-wise.
Rupeek brings several benefits to borrowers of a personal loan. A few of these are:
Avail all the afore-mentioned benefits with instant 30-minute doorstep service in and around select locations in Jalandhar.
Following is a list of the localities where you can avail a Rupeek’s gold-backed personal loan in Jalandhar.
Swipe away your worries of multiple debts with Rupeek’s personal loan against gold. Visit our website to opt for personal loan apply online today!
Loan Amount
Tenure
Interest Rate
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Gold Weight
Gold Purity
Tenure
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Currently, our lending partners sanction loan against only gold ornaments of purity not less than 18 carats. It is subject to valuation reports on gold loan.
No, Rupeek does not specify a lock-in period, nor do they charge any pre-payment penalty on gold-backed personal loans.
Yes, you can avail a personal loan against gold with a below-par credit score. Since gold backs up the loan, a credit score is not much relevant to your eligibility.
Rupeek offers you a maximum of Rs. 1.5 crores as a personal loan, depending on the purity of gold.
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