We work hard and we want to enjoy our spare time with our
family. Thus we plan for holidays and vacations. Many of us consider taking a
personal loans for our vacations and it very important to consider all the
factors before actually taking a plunge and going for a personal loan.
Loankumar provides you personal
loans for all your needs like travel and holidays and gives you loans at very
competitive rates. Loankumar.com is your perfect partner for all your personal
loan needs.
These are the steps you should take while going for a
personal loan:
- ANALYZE YOUR REQUIREMENT
The first thing to do before applying for your personal loan
is to analyze your requirement. Don’t over extend your limits and go for a
moderate amount which is in sync with your earnings. Travel and Holidays are
recreational activities and you should not over spend on them. Determine a
decent amount which you can afford and be able to pay back to the bank in easy
installments.
- CHECK WHETHER YOU ARE ELIGIBLE FOR THE LOAN AMOUNT
It is also important to find out your credit rating and
check how much amount you are eligible for. This will depend on your earnings
and financial transactions. There are many online eligibility calculators available
and you can go and check your eligibility online.
- CHECK WHETHER THE EMI’S ARE WITHIN YOUR BUDGET
The EMI should not be more than 10 to 15 per cent of your
monthly earning. This is important to be on the safer side. Look at the
interest rate and tenure and that will give you a clearer picture as to whether
you can afford the personal loan for travel and leisure.
- CHOOSE TH BANK WHO GIVES THE BEST DEAL
Different banks have different schemes and different rates.
So check out some of the well-known banks and also check about the extra hidden
costs like sundry charges, processing fee etc. so that you have a clear picture
as to how much the loan will actually cost you
- SUBMIT YOUR DOCUMENTATION
The final step after choosing the Bank is to submit your
documentation which include:
1. Salary
Slips/Bank Statement
2. Id
proof
3. Residence
proof
4. PAN
card
5. Aadhar
Card
ABOUT US
Loankumar.com is one of the best and fastest growing website
and loan provider in the Indian financial retail space. We provide all
different kinds of loans like personal loans, business loans, home loan and Loan
against Property loans. We provide loans at competitive interest rates which
are much lower in the market rates.
Our entire focus is to provide customer delight and
satisfaction. We leave no stone unturned and make all possible efforts to see
to it that our customers are satisfied and happy.
The best part is that we do not take too much time in
processing the loan. Our loan dispersal is much quicker and faster than other
banks and financial institutions. We are a no-nonsense organization which makes
sure that the customer is happy & satisfied.
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