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Find the perfect loan option for your needs from some of the world's top financial institutions. Whether you're looking for a home loan, personal loan, business loan, or more, we provide all the information you need. With partnerships across 50+ global banks and lenders, our platform offers a comprehensive loan comparison experience trusted worldwide.
Why Take a Bank Loan ?
Financial Benefits
- Competitive interest rates starting from 8.50% p.a. with special discounts
- Tax benefits under Section 80C, 24, and 37(1) saving thousands annually
- No prepayment penalties on floating rate loans after 3 years
Convenience Factors
- Quick approval with minimal documentation (some within 30 minutes)
- Online application and tracking through mobile apps
- Doorstep service available in major cities
- Flexible repayment tenures up to 30 years for home loans and 7 years for personal loans
- Balance transfer facilities available to switch to better interest rates anytime
- Pre-approved loan offers for existing customers with preferential rates
- Special schemes for first-time home buyers with reduced processing fees
- Top-up loan facilities available on existing loans without additional paperwork
- Part payment facilities to reduce principal amount anytime
- Insurance options bundled with loans for complete protection
- Flexible EMI options like step-up/step-down EMIs based on income flow
Types of Loans Available Worldwide
Home Loans
Secure funding to purchase, build, or renovate residential properties around the world. Loans are available for primary residences, vacation homes, and investment properties, with competitive rates and flexible repayment terms.
Personal Loans
Meet personal financial needs with unsecured loans for medical expenses, travel, education, or emergencies. Available in many countries with quick disbursal and minimal documentation.
Business Loans
Access funds to launch or expand your business globally. Options include startup funding, working capital, and equipment financing. Tailored to meet small business, SME, and enterprise needs.
Vehicle Loans
Finance your next car, bike, or electric vehicle anywhere in the world. Global vehicle loans offer up to 100% funding with customized EMI plans and incentives for eco-friendly transportation.
Education Loans
Empower your education goals with loans for international and local studies. Covers tuition, living expenses, and travel. Flexible repayment starts after graduation in most programs.
Loan Eligibility Criteria
While criteria vary by bank and loan type, here are general requirements:
- Minimum age: 21 years, Maximum age: 60-65 years at loan maturity (up to 70 for some pensioners)
- Minimum income: ₹15,000-₹25,000 per month depending on city and employment type (lower for government employees)
- CIBIL score of 750+ preferred for best interest rates (some banks accept 650+)
- Stable employment history (minimum 2-3 years for salaried individuals)
- Business vintage of 3+ years for self-employed applicants (1+ year for some new businesses)
- Proper documentation including ID proof, address proof, income proof, and property documents
- Debt-to-income ratio below 50-60% (including the new loan EMI)
- Property valuation and legal checks for secured loans
- Educational qualifications considered for education loans and professional loans
How to Improve Your Loan Approval Chances
Check your score annually from CIBIL, Experian or Equifax
Calculate all existing EMIs as percentage of your monthly income
Keep digital copies ready for faster processing
Spouse or family members can be co-applicants
Use EMI calculators to check affordability
Maintain accounts or investments with the lender
Reduces your credit utilization ratio
Lenders prefer 6+ months in current job
Documents Required
For Salaried Individuals
- Last 3 months salary slips
- Form 16 or last 2 years IT returns
- Last 6 months bank statements
- KYC documents (PAN, Aadhaar, Passport)
- Employee ID card or appointment letter
For Self-Employed
- Last 3 years IT returns with computation
- Last 3 years CA certified balance sheets
- Business license or registration proof
- Last 6 months business bank statements
- Office address proof if applicable
Frequently Asked Questions
Loan amounts vary by type: Home loans up to ₹10 crore (depends on property value), personal loans typically ₹10-40 lakhs based on income, business loans up to ₹2 crore or more for established businesses. Lenders generally offer 10-15 times your monthly income for unsecured loans.
Processing times vary: Personal loans can be approved in 1 hour to 3 days, home loans take 2-7 days for approval (plus property evaluation time), business loans typically 3-10 days depending on documentation. Pre-approved offers are instant.
Most loans allow prepayment after 6-12 months. For floating rate loans, RBI guidelines prohibit prepayment charges after 3 years. Fixed rate loans may have 2-5% prepayment charges. Some banks offer free partial prepayments (usually limited to 25% of outstanding per year).