A Personal Loan is a loan which is given to an individual as an unsecured loan to meet to the individual immediate requirement. Need of money can come anytime and anywhere let it be for medical purposes or educational purpose or house renovation or a wedding or a holiday trip. This is where a personal loan comes into the picture. It's easy to have one and is quick to process from a bank. Your immediate need is fulfilled within few days and in certain cases within hours depending upon the amount of loan, the bank and your credit history.
We at Starlight Solution shall make your job easy to avail Personal loan from banks and institutes at very low rate of interest for the following purposes:
- Education
- Medical emergency
- Wedding
- Buying Fridge, sofa or TV or any house hold stuff
- Holidays
- Many other personal reasons
- No Collateral
- No end use Quick processing
- Fixed Rate of Interest
- Repayment flexibility
- Applicant or applicants should be between 21 years to 65 years old for self-employed and salaried persons.
- Businessman, self-employed, proprietors, partnership firms, private limited companies, LLP’s and public limited companies can apply for the same.
- The income of the applicant should match the loan amount and banks or lenders basic criteria.
- Usually the business should be minimum 2 years old and should be profit making. Again the same depends from bank to bank basis.
- The previous credit history of the Applicant’s promoters or partners or proprietor’s should be positive and there should not be any over dues of payment defaults.
- Applicant’s promoters or partners or proprietor’s credit score should me more than minimum 650. This is become a very important aspect and we always direct and request the clients to make sure their credit history is in good health always.
Identity Proof :
- PAN Card
- Aadhar Card
- Voter ID
- Driving License
- Passport
Address Proof :
- Registered Rent agreement
- Aadhar Card
- Driving License
- Lease agreement
- Passport
- Latest Gas or electricity bill
Financial Documents - Employment or Business Proof
- Salary slips for the last 6 months in case you are a salaried employee (In addition, you can provide IT returns for the past 3 years along with Form 16)
- IT returns for the past 3 years in case you are self-employed (Some banks accept 2 years IT returns as well)
- Statement of A/c for the past 1 year where your salary is credited (in case of salaried people)
- Profit and Loss statement and Balance sheet for the last 2 years in case of self-employed persons
- Sales tax, GST registration certificates, if applicable
- Partnership deed in case of partnership firms (if the applicant is one of the partners)
- Certificate of Incorporation in case of limited companies(if the applicant is one of the directors)
Other Documents:
- Loan application form duly filled in
- Photographs
- Signature Proof
Property documents:
- Copies of all property documents that can establish the chain of ownership for the past 30 years
- Encumbrance certificate for 30 years
- Property tax paid receipt in case you reside in the property being mortgaged (usually when you apply for Home Loan Balance Transfer)
Our Associated Banks for Personal Loan:
- Icici Bank
- Aditya Birla Finance - Home Loans
- Citibank
- HDFC Bank
- India Bulls
- Many more
Why Choose Starlight Solution for Personal Loan?
- The loan interest rate will be at rock bottom
- Very less preparing & processing fees
- Simple documentation
- Speedy loan sanction turnaround time
- Terms of dispossessions and pre-installment of Home Loan portions
Starlight Solution expertise in Personal Loans and shall assist you to understanding and finalize your loan with the best rate of interest by making sure you get the required amount to prosper
