Do you receive a message or email from HDFC Bank that you are one step away from securing a personal loan? If yes, it is the result of your good credit history and discipline loan payment that HDFC Bank has considered your profile eligible for a pre-approved personal loan in India. A personal loan is an unsecured loan which is borrowed from the bank. There are various purposes of a personal loan and the advantage in this is that you don’t need any collateral or security. Read this article below to know how to apply for a HDFC pre-approved personal loan in India.
How the Process Will Start?
A simple set of documentation is the first step to apply for HDFC personal loan. However, the method will be faster without any additional documents if you have a HDFC pre-approved personal loan in India. Because in a pre-approved personal loan there is no such need for documentation. It is offered by the HDFC bank to the existing customers only. Your clean and default free proven track record makes you eligible for a pre-approved loan in India.
How Do I Know I am Eligible for HDFC pre-approved personal loan in India?
To find whether you are eligible for a HDFC pre-approved personal loan in India or not visit the official HDFC Bank website or login to the HDFC Bank Mobile banking app. Check the loan offers by clicking the pre-approved options.
What Benefits Do I Get?
Instant funds: The benefits of the HDFC pre-approved personal loan in India is that the funds will be disbursed to your bank account in just 10 seconds. Whereas the regular loan customer has to wait for 4 hours minimum to get their loan amount.
Competitive interest rates: Another advantage is that you might get a lower interest rate compared to others. And the reason for this is simple as you have a credit record which has zero due, no nonpayment record and timely paid credit card and loan EMIs which is ideal to borrow a personal loan.
Flexibility of purpose: You can use HDFC pre-approved personal loan in India for any financial need whether there is shortage of funds in your wedding, you need financial support for your child’s education, or there is a medical emergency which is not covered in your health insurance.
Zero documentation: Unlike other customers you don’t have to collect documents and submit it to the bank. As you are an existing customer the bank already has your financial or personal records.
Online and paperless: The HDFC pre-approved personal loan in India is easy to apply, just visit the HDFC Bank official website and click to apply now. Within a few minutes the bank representative will get in touch with you and give you details about the HDFC personal loan.
Flexible repayment: HDFC Bank as per your HDFC pre-approved personal loan terms and conditon provide you full freedom to choose the repayment tenure from 12 to 60 months. You can choose the tenure where the EMI is affordabel and interest outgo is less for which you can take HDFC personal loan EMI calculator help as well.
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