HDFC Personal Loan Eligibility for Salaried Person
Giving you the liberty and convenience of taking personal loan up to Rs 15,00,000 for a variety of purposes, HDFC bank’s personal loan schemes are bound by some eligibility criteria for salaried people.
To add to your benefits, HDFC, lets you repay in easy EMIs or installments. What’s Best! You don’t need any guarantor, security or collateral for taking a personal loan with HDFC. Compared to other banking institutes, with HDFC you enjoy the speedy loan approval process while the flexible repayment options let you chose your own repayment tenure between 12 to 48 months.
Once you are eligible for a personal loan with HDFC, you can be rest assured to find the required services and facilities delivered to your doorstep. The other benefits include credit shield and personal accident cover as well.
The salaried persons like Doctors, CAs, employees of selective Public and Private limited companies, Government employees, public sector employees and people working in central, state and local bodies can take HDFC personal loans for salaried person.
The salaried person taking a personal loan from HDFC bank should be at least 21 years old. The maximum age limit is 60 years. The loan applicant should be working for minimum 2 years and he should be functional in the current company for at least 1 year.
His minimum net monthly income should be Rs 10,000. In Mumbai, Delhi, Bangalore, Chennai and Hyderabad the salary limit is 15,000 while in Kolkata, Cochin and Ahmedabad, the salary limit is Rs 12,000. The document proofs that you need to provide are identity proof in the form of a copy of Passport or Voters Id card or driving license.
Address proof is another important factor For address proof, you need to show ration card or Electric Bill or rental agreement or copy of passport or sales tax certificate. The current 3 months bank statement or 6 months bank passbook is also important in terms of bank statements. Finally, you need to show your salary slip or the latest salary certificate with the current form 16.
With HDFC bank personal loan solutions, getting loans for any and every personal requirement has become all the easier. With all your worries taken care of by the bank, you just need to adhere to the certain HDFC personal loan eligibility factors mentioned for the salaried persons.
However, you should understand that these eligibility criteria are applicable only for the salaried persons, the self-employed people will need to look into a different set of dos and don’ts while taking personal loans from HDFC bank.
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