Union Bank Personal Loan Interest Rate July 2017 - @ 14.40% | Documents | Eligibility | Review | Statement | Online application process

@ 14.40% | Documents | Eligibility | Review | Statement | Online application process | July 2017 -  BANKSHARERATES.COM  for your convenience...

@ 14.40% | Documents | Eligibility | Review | Statement | Online application process | July 2017 - BANKSHARERATES.COM for your convenience we are providing you all the information of Union Bank of India Personal loan and online EMI calculation tool to calculate your lowest EMI on the basis of Loan Amount  Interest Rate  Loan Tenure (Repayment) Eligibility  Documents & more.


There are some points in life when everyone stuck some where deeply in financial conditions and there is the only option for make yourself out of that dark condition is to take a Personal Loan from the banks. Though, Banks nowdays are so customer friendly and the terms and conditions are alot more lesser then before and taking a personal loan from the banks is much easy. The interest rate for personal loans is also less if we compare it to the last couple years. Here on this page we will discuss what documents you need to take a Personal Loan from Union Bank of India & we will check your eligibility and give you an EMI calculator as well so that you can calculate your lowest EMI depends upon the interest rate on the particular banks.

Union Bank of India offers some good product features to their customers who are looking forward to opting a personal loan from them such like :
  • Loan amount from Rs.1 Lakh up to Rs.10 Lakhs.
  • Convenient loan repayment option of 12 to 60 months.
  • Simplified and quick documentation
  • Attractive interest rates
  • Hassle-free loan sanction and disbursal procedure


 
USEFUL INFORMATION
Name Union Bank of India
Loan Tenor/Repayment 12 months - 60 months

(1 - 5 Years)
Interest Rate 14.40%
Age Limits 21 - 58 Years
Head Office 15, G.T. ROAD, OPP. SHAMBHU DAYAL COLLEGE,DIST. GHAZIABAD, UTTAR PRADESH,PIN - 201 001.
Description Union Bank of India Personal Loan Interest Rate
Loan Amount Upto 10 Lacs
Processing Fees 0.50% - Loan Amount
Contact No. 1800 22 22 44 (Toll Free)

1800 208 2244
Email ID ebanking@unionbankofindia.com
Website www.unionbankonline.co.in

ABOUT UNION BANK OF INDIA :

Union Bank of India was established on 11th November 1919 with its headquarters in the city of Bombay now known as Mumbai. The Head Office building of the Bank in Mumbai was inaugurated by Mahatma Gandhi, the Father of the nation in the year 1921, and he said on the occasion: "We should have the ability to carry on a big bank, to manage efficiently crore of rupees in the course of our national activities. Though we have not many banks amongst us, it does not follow that we are not capable of efficiently managing crore and tens of crore of rupees."

REQUIRED DOCUMENTS FOR UNION BANK OF INDIA PERSONAL LOAN - JULY 2017

▶ Duly signed application form.

▶ 2 photographs (passport size )

▶ Copy of Identity Proof
  • Passport
  • PAN Card
  • Voters ID card
  • Driving License etc.
▶ Copy of Address Proof
  • Ration card
  • Driving License
  • Voters ID card
  • Passport
  • Telephone Bill
  • Electricity bill
▶ Processing fee cheque

▶ Banks statement of last 3 months / 6 months bank passbook.

DOCUMENTS REQUIRED FOR SALARIED

▶ Latest salary slip

▶ Current dated salary certificate with the FORM - 16

DOCUMENTS REQUIRED FOR SELF-EMPLOYEED

▶ Bank statement (Latest)

▶ ITR or Form - 16 (Latest)



PERSONAL LOAN ELIGIBILITY - JULY 2017

The visitors can be eligible for the personal loans from one or more banks if your conditions and your financial health matches with the following eligibility points :

Note : The eligibility criteria for different banks in india can be slightly different so make sure to double check your eligibility on the official website of your desired banks or nearby banks.

How Your Income Can Effect On Personal Loan ?

▶ The biggest point for eligibility is depends upon how much your salary is.

▶ The higher the income, The higher the eligibility.

▶ The monthly income should be INR 15,000/- (Semi& Rural) & INR 20,000/- (For Metro)

Note: Some banks specify higher minimum income requirement for people staying on rent

▶ If the profile of the company in which you are doing work is high, The interest rate on your personal loan will be less.

How CIBIL Score Can Effect On Personal Loan ?

▶ The 700 or more credit history is requitred in most of the banks.

Note : Many banks can be avoid giving you their personal loan if your credit score is not matching to their needs.

▶ The Repayment capacity after paying current EMI's can also help positively in your eligibility.

How Age Limit Can Effect On Personal Loan ?

▶ The minimum age for opting the personal loan is 21 Years.

▶ The Maximum age for opting the personal loan is 65 Years.

How Much Loan Amount You Can Take From Banks ?

▶ The maximum loan amount you can take these days is INR 50 Lacs, But most of the banks are restrict their maximum eligibility to INR 25 Lacs

Personal loan depends upon the Employment Type

▶ The choices for personal loan banks is much higher for Salaried Customers.

▶ Interest Rate are normally stays in between 11.49% TO 18.00% per year/annum.

Effect Of Work Experience On Personal Loan ?

If someone wants to take a person loan from banks usually all banks will check the work experience of the customer. If the work experience is less your eligibility would be less. If the work experience is high your eligibility would be high.

▶ The person who is opting a personal loan should have the minimum work experience of 3 Years.

▶ The tenure from the current company should not be less than 6 – 12 months.

▶ Self Employed : The personal tenure should be at least 5 years & ITR required for at least 3 years.




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Bank Share Rates: Union Bank Personal Loan Interest Rate July 2017 - @ 14.40% | Documents | Eligibility | Review | Statement | Online application process
Union Bank Personal Loan Interest Rate July 2017 - @ 14.40% | Documents | Eligibility | Review | Statement | Online application process
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