HDFC PRE- APPROVED LOAN OFFER FOR REGISTERED CUSTOMERS | HDFC PERSONAL LOAN UPTO 3 LAKHS
How can I know my HDFC pre-approved offer?
If you are an HDFC Bank customer, you can log in to your Net Banking account and check your eligibility for a pre-approved offer. Know more about how to calculate Personal Loan eligibility and EMI.
Can we get pre-approved loan instantly?
Faster processing: You do not need to go through a lengthy approval process associated with regular personal loans. Instant funding: Since you are screened for your creditworthiness beforehand, the loan disbursal process is significantly shortened. You can get the funds you need in as little as 30 minutes**.
How can I check my HDFC pre-approved loan limit?
HDFC Bank customers can check their pre-approved loan eligibility via Net Banking or by typing "My Offer" on the bank's WhatsApp number 70700-22222. Enjoy competitive interest rates, borrow up to Rs.40 Lakh, and benefit from a flexible tenure of up to 5 years
How can I check my HDFC pre-approved loan limit?
HDFC Bank customers can check their pre-approved loan eligibility via Net Banking or by typing "My Offer" on the bank's WhatsApp number 70700-22222. Enjoy competitive interest rates, borrow up to Rs.40 Lakh, and benefit from a flexible tenure of up to 5 years
What is the process for a Personal Loan approval you ask?
A simple set of documentation and quick disbursals of finances have made Personal Loans the preferred choice of loans when an individual is in extreme need of money.
However, there is a faster method to be eligible for quick funding, without any additional document submissions. It is known as a pre-approved loan.
A pre-approved Personal Loan needs minimal to no documentation and or paperwork with the least processing time. It is often offered by banks to existing customers who have a clean credit record. Initial analysis of their financial standing and credibility is carried out to check the track record of clearing old dues and repayment of existing loans. So if you have a proven track record, then you are eligible for a pre-approved loan.
Who is eligible for a pre-approved Personal Loan?
You should check with your bank or through your online account, whether there is a pre-approved Personal Loan offer available for you.
At times the bank would call to advise you in this regard. Typically if you are a long-standing customer with an excellent existing balance, a substantial saving history, income and decent repayment record . You may be eligible for a Personal Loan faster.
If you are an HDFC Bank customer, you can log in to your Net Banking account and check your eligibility for a pre-approved offer.
Know more about how to calculate Personal Loan eligibility and EMI.
What are the significant features of a pre-approved loan?
The significant features of a pre-approved loan:
Immediate processing
Straight forward application practice
Beneficial interest rates
Negligible to no paperwork
Flexibility for the usage of funds
What are the benefits of a pre-approved Personal Loan offer?
Instant funds
Once the bank specifies your eligibility amount and has proof of your track record, the approval time taken for a pre-approved Personal Loan is nominal, and the funds are disbursed quickly.
A 10 second* disbursal of funds to your account for select pre-approved loan customers of HDFC Bank is available.
However, for non-HDFC Bank customers, the funds are disbursed for a pre-approved loan in under 4 hours*.
Competitive interest rates
Pre-approved loans at times come with a lower rate of interest. This is because the bank is assured about your ability to repay, given your financial prudence and stability of income.
Since you are a selected customer, the bank will offer you the most competitive interest rates on Personal Loan pre-approval.
Flexibility of purpose
A pre-approved loan is impressive to the extent that it does not have any usage barriers or any limitations. You can use the funds for any personal requirements, and no questions will be asked on how you spend the money.
Zero documentation
A pre-approved Personal Loan for an existing customer usually requires no documentation and is hassle-free.
Online and paperless
When you have a Personal Loan pre-approval offer, you can accept the loan online, without leaving your home or office. All you need to do is contact your bank or a bank representative and request for the funds to be transferred to your account. Moreover, you can log into your bank account online and request for the pre – approved loan there.
Flexible repayment
Pre-approved Personal Loans allow you to choose the tenure of repayment for the loan. You can choose a tenure that makes for pocket-friendly EMIs. HDFC Bank offers various tenures from 12 months to 60 months, with EMIs starting at Rs.2149 per lac for flexible repayment.
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