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23rd February 2016, 08:53 AM
Super Moderator
 
Join Date: May 2012
Re: Citifinancial Personal Loan

Hello, here I am providing you the details of the personal loan offered by the Citifinancial as under:

Loans available:

Loan Against Property
12 Month Loans
Business Loan
Same Day Loans
Mortgage Loan
No Credit Check Loans
Short Term Loans
Loans for Unemployed
Personal Loan for low CIBIL Score
Small Business Loan
Loan Against Credit Card

Eligibility Criteria

Salaried Individual
The individual should be a permanent employee with the government or a reputed company.
The minimum age to avail loan against property is generally around 24 to 25 years.

Professional

The applicant can be a professional in any field (doctor, engineer, architect, chartered accountant, etc).
The maximum age of the applicant can be 65 years.

Self-Employed Individual

The individual should be a regular at filing income tax returns.
The individual should have been in the same business for a minimum number of years – generally between 3 to 5 years.

Interest rates:
Fixed Interest Rate –

This interest rate remains fixed throughout the loan duration. It varies from institution to institution but the general rate lies in the 11 – 15% per annum range.
Adjustable Rate –
This interest rate is not fixed and static, it varies according to prevailing market conditions. This could be beneficial for those who wish to keep the loan for a short duration.


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