PERSONAL LOAN

CreditKlick offers personal loans from more than 30 banks and non-bank financial institutions suitable for different consumer segments. Consumers can compare key loan features from the best lenders and apply for the best loan option. We have also formed unique partnerships with multiple banks and NBFCs to offer pre-approved/pre-qualified personal loans with end-to-end digital processing and instant disbursement.

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Minimal Documentation

The personal loan documentation process at CreditKlick varies from individual to individual. The requirements are based on your profession, income, and loan.

Balance Transfer

Balance Transfer Facility to all existing personal loan holders running a successful personal loan with an external bank: with the transfer of the loan, the applicant will benefit.

Minimum Rs50,000 Loan Amount

The best personal loan banks in India offer ₹ 50,000 loans, as they offer personal loans at the lowest rate of 10.49%.

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Personal Loan Eligibility Criteria

The following factors are taken into consideration when a lender goes through your loan application: If you meet these criteria, you are eligible for a personal loan:

Criteria	Salaried	Self-Employed
Nationality	Indian Resident	Indian Resident
Age	23 to 62 years	25 to 70 years
Work Experience	3 years	5 years of vintage with the current enterprise
Minimun monthly income	Rs. 30,000 to Rs. 50,000, depending on the city of residence and age	Rs. 30,000 to Rs. 40,000, depending on the city of residence and age

Employment stability: minimum two years of work experience in the same job for salaried. Employment Type Salaried workers work with reputable organisations, MNCs, private and public limited companies, and the government. Organisations, PSUs and large enterprises Credit Score: Preferably 750 or higher, as higher credit scores increase loan approval chances Salary: At minimum Rs. For salaried customers, 15,000 per month Self-employed professionals must ensure their business operations can continue without interruption for a minimum of two years. Income: At minimum Rs. 5 lakh per annum For self-employed customers

Document required for a Personal Loan

Keep the following documents on hand when filling the online application form KYC Documents: Aadhar card, PAN card, voter ID card, driving license or any other government-approved KYC document Address Proof: Documents such as your electricity bill, rent agreement, or passport may be used as proof of address Financial Documents: Bank account statement and other financial documents Employee ID Card

Note: Latest Salary Slip or Form 16, Bank account statement of the last 6 months

HOW TO APPLY

STEP 1

Click on APPLY NOW

STEP 2

Enter your mobile number and click on ‘I have read & agreed to the terms and conditions’.

STEP 3

Click on VERIFY

STEP 4

Please enter OTP sent to your mobile number and click NEXT

STEP 5

Please enter your First Name, Last Name, Email Address, and City, and click on CONTINUE

STEP 6

Facility to check your Loan status on the go

HOME LOAN

Banks and Housing Finance Companies (HFCs) offer housing loans ranging from 75% to 90% of the value of the property, depending on the creditworthiness of the borrower, subject to lending limits set by banks and the RBI. The term of a home loan can be up to 30 years and is based on the age of the borrower and their ability to repay the loan. At CreditKlick.com, we help you evaluate home loan interest rates and other services offered by leading banks and HFCs. You can also apply online to get the best option for your credit report.

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Low EMI

Apply for higher loan amount with an extended tenure of 30 years to enjoy low EMIs

Vast database of CreditKlick approved projects

Enjoy faster loan disbursement in projects approved by us

Trackmyloan

Facility to check your Home Loan status on the go

Simplified Disbursement

Hassle-free disbursement with minimal documentation

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Home Loan Eligibility Criteria

The following factors are taken into consideration when a lender goes through your loan application. If you meet these criteria, you are eligible for a home loan:

Criteria	Salaried	Self-Employed
Nationality	Indian Resident	Indian Resident
Age	23 to 62 years	25 to 70 years
Work Experience	3 years	5 years of vintage with the current enterprise
Minimun monthly income	Rs. 30,000 to Rs. 50,000, depending on the city of residence and age	Rs. 30,000 to Rs. 40,000, depending on the city of residence and age

Document required for a Home Loan

Housing loans provided by banks and NBFCs are secured loans and are provided for the long term, taking into account the amount of the loan and the income of the individual. Different lenders or financiers have different criteria for credit worthiness which include age, income, business, job stability, etc.

Home Loan Income Eligibility and criteria for Salaried Individuals

Age – The minimum age to apply for a home loan is 21 years, and the maximum age is 58 years or retirement age, whichever is earlier. A home loan should be repaid before the borrower exceeds the age limit set by the Internal Revenue Service. Income: -The minimum net income required for a salaried individual is Rs. 20.00 thousand per month Work experience and job stability: The applicant should have at least 2 years of work experience in a full-time job. Repayment history for all loans: A salaried person applying for a home loan should have a clear repayment history for all existing and closed loans and credit cards. Type of Residence: A loan applicant must reside at the current residence for at least the last 6 months, or it should be owned or parental property. Credit score: Employees applying for a home loan should have a CIBIL score (credit score) of at least 700. The CIBIL score depends on your repayment history on bank transactions, loans, and credit cards. A good CIBIL score depends on your clear repayment behavior on loans and credit cards. Cases with a CIBIL score of less than 700 will be referred to the bank’s policy and risk team for a deviation from loan approval. If you have never availed a loan or credit card from a bank or NBFC, your CIBIL score should be minus one (-1); in such cases, banks will take a variance to approve the home loan for employees.
Under the Employee Housing Loan Scheme, employees of Indian private companies, public sector companies, multinational companies (with branches in India), banks, schools, colleges, and local companies can apply for a housing loan.

Income requirements and criteria for self-employed entrepreneurs for a housing loan

An independent contractor must be a resident of India and have valid KYC (know your customer) and financial statements, as well as a regular and stable monthly business income to repay the loan. Age: The minimum age to apply for a home loan is 21 years, and the maximum age is 65 years. A home loan should be repaid before the borrower exceeds the age limit set by the lender. Income: The minimum net income required for a self-employed person is Rs. 2.50 lacs per annum. Work experience and professional stability: The loan applicant must have been in business for at least 3 years at the time of applying for the loan. Repayment history of all loans: A self-employed person applying for a home loan should have a clear repayment history for all existing and closed loans and credit cards taken in the name of the business or individual. Type of Residence: A loan applicant must reside at the current residence for at least the last 6 months, or it should be owned or parental property. Credit Bureau Score: Self-employed individuals applying for a home loan must have a CIBIL score (credit bureau score) of at least 700. The CIBIL score depends on your repayment history on bank transactions, loans, and credit cards. A good CIBIL score depends on your clear repayment behavior on loans and credit cards. Cases with a CIBIL score of less than 700 will be referred to the bank’s policy and risk team for a deviation from credit approval. If you have never taken a loan or credit card from a bank or NBFC, your CIBIL score should be minus one (-1). In this case, banks will take a deviation from the guidelines to approve the housing loan for an independent contractor.

To be eligible to apply for housing loan under self-employed scheme, the loan applicant should be running his own business and may be engaged in trade, manufacturing, service, consultancy or professional practice like CA, CS, doctor, etc. He should pay income tax and other taxes required by law on time.

NOTE: Apart from the parameters mentioned above, in addition to the above parameters, your credit eligibility for a mortgage also depends on the type of property you’re purchasing and the area in which the home is situated.

HOW TO APPLY

STEP 1

Click on APPLY NOW

STEP 2

Enter your mobile number and click on ‘I have read & agreed to the terms and conditions’.

STEP 3

Click on VERIFY

STEP 4

Please enter OTP sent to your mobile number and click NEXT

STEP 5

Please enter your First Name, Last Name, Email Address, and City, and click on CONTINUE

STEP 6

Facility to check your Loan status on the go

BUSINESS LOAN

Small businesses and entrepreneurs can get business loans to meet their capital needs. Over 20 financial institutions offer tailored business loans at attractive rates to meet your financial needs.

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Apply in just 5 minutes

Now a days, it is not difficult to apply for a loan in 5 minutes. Since money lending and loan applications started online, applying for instant loans became easy

Get approved within 72 hours

The path to achieving your life goals may be often hindered by financial hurdles that may seem too steep to skip. Now with 72 hours Loans you can avail instant offers for a range of uses

Get loans up to Rs. 50 lakhs

Avail a business loan of up to Rs. 50 lakh at attractive interest rates to meet personal urgencies that can crop up anytime in life.

Competitive interest rates

Interest on loans with similar terms is charged by private lending institutions in the same area to borrowers of equivalent creditworthiness and access to alternative credit.

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Business Loan Eligibility Criteria

The following factors are taken into consideration when a lender goes through your loan application. If you meet these criteria, you are eligible for a business loan:

Criteria	Salaried	Self-Employed
Nationality	Indian Resident	Indian Resident
Age	23 to 62 years	25 to 70 years
Work Experience	3 years	5 years of vintage with the current enterprise
Minimun monthly income	Rs. 30,000 to Rs. 50,000 depending on the city of residence and age	Rs. 30,000 to Rs. 40,000 depending on the city of residence and age

Self-employed professionals and self-employed non-professionals can apply for the loan Self-employed professionals include chartered accountants, chartered accountants, and company secretaries. Only those applicants who can show proof of their qualifications and are also practising their profession are eligible to apply. Non-professional traders and manufacturers are examples of self-employed professionals. These entities include partnerships, limited liability partnerships, and private limited companies. A minimum turnover of Rs.40 Lakh may be required for the business. A minimum of three years of experience is required in your current business. You must have at least five years’ experience in the business. For the past two years, the business should have made a profit. A minimum annual income (ITR) is required to be Rs. 1.5 lakh per annum. The applicants should be between 25 and 55 years old. You should have filed the IT returns for the past year. Lenders might only offer loans for businesses in certain areas.

Document required for a Business Loan

Keep the following documents on hand when filling out the online application form: Duly filled out the application form along with passport size photographs and KYC documents of the applicant, including PAN card, Passport, Aadhar Card, Driving License, Voter ID card, and Utility Bills ( Water/Electricity Bills bills) Last year’s bank statement Copy of Non-Collateral Overdraft, if any copy of business Incorporation any other document required by the lender

HOW TO APPLY

STEP 1

Click on APPLY NOW

STEP 2

Enter your mobile no. and click on ‘I have read & agreed to the terms and conditions’.

STEP 3

Click on VERIFY

STEP 4

Please enter OTP sent to your mobile no. and click NEXT

STEP 5

Please enter First Name, Last Name, Email Address, City and click on CONTINUE

STEP 6

Facility to check your Loan status on the go

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