लोन
यह ब्लॉग स्व-व्यवसायी व्यक्तियों के लिए पर्सनल लोन प्राप्त करने के बारे में विस्तृत गाइड प्रदान करता है, जिसमें बताया गया है कि लोन का इस्तेमाल अलग-अलग कामों के लिए कैसे करें, एप्लीकेशन प्रोसेस, पात्रता मापदंड, ज़रूरी डॉक्यूमेंट्स और लोन मिलने में लगने वाला समय क्या है. इसका उद्देश्य स्व-व्यवसायी प्रोफेशनल्स को लोन प्राप्त करने में उनके सामने आने वाली विशिष्ट चुनौतियों का समाधान करने में मदद करना है.
In today's dynamic economy, more people opt for self-employment, driven by the desire for independence and flexibility. However, when it comes to securing a personal loan, self-employed individuals often face unique challenges. This blog aims to provide a comprehensive guide on obtaining a personal loan for self-employed professionals, exploring the requirements, benefits, challenges, and tips to enhance your chances of approval.
You will receive funds in one go. HDFC Bank offers loans up to Rs 40 lakh.
You get the flexibility to choose tenure (from 12 to 60 months) and repayment options (pocket-friendly EMIs starting at ₹2,149 per lakh).
You can use the funds from a Personal Loan for several purposes.
Personal loans can help cover the high costs of weddings, including venue, catering, decorations, and attire, easing the financial burden and allowing you to enjoy the celebration without worrying about immediate expenses.
Use a personal loan to fund home improvements such as kitchen remodels, bathroom upgrades, or new flooring. This allows you to enhance your living space or increase your property’s value without depleting your savings.
A personal loan can finance your dream holiday, covering travel, accommodation, and activities. It enables you to enjoy a memorable trip without waiting or cutting back on other essential expenses.
Personal loans can support educational expenses like tuition fees, books, and extracurricular activities, ensuring your children receive quality education and the opportunities they deserve without straining your budget.
Consolidate high-interest debts into one personal loan. This simplifies your finances, potentially reduces your interest rates, and helps manage repayments more effectively, improving your overall financial health.
Fund the purchase of new electronics such as smartphones, laptops, or home entertainment systems with a personal loan. This allows you to enjoy the latest technology without impacting your immediate financial stability.
Use a personal loan to cover medical costs not included in your insurance policy, such as treatments, surgeries, or medications. This ensures you receive necessary care without delaying or forgoing treatment due to financial constraints.
अप्लाई करने के लिए पर्सनल लोन for self-employed from HDFC Bank via नेटबैंकिंग, follow these steps:
The bank may require self-employed Personal Loan applicants to have a specified minimum income, which can vary by location. Financial documents showing income stability will help you easily get a Personal Loan for the self-employed.
The bank may also require self-employed individuals to be in business for a certain amount of time.
You can check your Personal Loan for self employed eligibility here.
Besides the standard documents such as proof of address and proof of identity, you will need additional documents to indicate continuity in your business and steady income.
These documents can be in the form of recent bank statements, audited financials, tax returns, and office lease agreements.
You may require additional documents depending on the type of profession you practice and your organisational set-up.
HDFC Bank disburses pre-approved Personal Loans to customers in 10 seconds and to non-HDFC Bank customers in 4 hours.
Personal Loans are unsecured loans, which means you do not need to provide security or collateral.
So what are you waiting for? अप्लाई करें for the self-employed Personal Loan now!
* नियम और शर्तें लागू. एच डी एफ सी बैंक लिमिटेड के विवेकाधिकार पर पर्सनल लोन डिस्बर्सल.