- Income/ Other Income
- Property value
- No of dependents
- Bank Balance
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A Personal loan is unsecured form of loan that can be used for multiple purposes such as for travelling, education, purchase, home renovation, for marriage, in case of medical emergencies, for business purpose or any other household expenditures.
The illustration below indicates what to expect at every step during the loan evaluation process. It helps understand how the credit decisioning works in banks and the steps they take before deciding to accept or reject a loan/ credit card.
Applicant Fill Out A Loan Application Form.
Documents Hand Over To The Bank.
Bank Check Your Reports And Cibil Score.
High Cibil Score Leads To Eligibility Check Basis Documentation.