The general factors taken into account while determining eligibility of NRI Personal Loan are Listed below:

1. Age (Min. 21 Year )

2. Maximum 58 age at time of closure of the loan for the salaried

3. Maximum 65 age at time of closure of the loan for the self employed

4. Total work / business Experience 3 yrs

5. Indian resident

Following are the list who can avail for NRI Personal Loan which is as follows:

Self Employed Individuals/Professionals

Proprietorship Firms / Proprietor

Partner in Partnership Firms

Director in Private Limited Companies

1. Identity Proof

2. Address Proof

3. Bank Statement (Latest 12 months)

4. 3 Months pay slip / Last 3 yrs ITR along with other relevant docs like Balance Sheet, P&L, Audit Report (Certified by a CA)

5. 3 years Form 16 / Business proof

6. All Loan Sanctions Letter

Please refer the complete list of documents on our website in the document section of Personal Loan.

Following are the list of the documents required for NRI Personal Loan:

• Application

• Documentation

• Processing

• Sanctioning of the Loan

• Disbursement

The Process may vary from bank to bank in which they will do your verification of documents, residence, office, and cibil check.

You just need to visit our website to upload the documents or call our professionals for your NRI Personal Loan. Creative Finserve gives you personalize solution and helps you to meet your financial requirement. In fact our professional team will suggest you the right product / services suitable to your requirements.

In NRI Personal Loan interest is calculated on a monthly reducing basis which means interest is calculated on outstanding principal amount left after payment of each installment.

In NRI Personal Loan no security/collateral is required. This is totally NRI form of lending where your eligibility is calculated on basis of your income.

For any loan your eligibility and credit history is taken in to consideration. So in NRI Personal Loan Your eligibility is calculated as per your income and the existing loan (obligation).

Generally in NRI Personal Loan no co-applicant is required, but if they ask for than any individual who has the ability to repay the loan as per the bank standards residing in the same city can be taken as co-applicant. This requirement varies from case to case and Bank to Bank.

In NRI Personal Loan you can repay it through PDC (post dated cheque's) or ECS which is termed as EMI (Equated Monthly Installments)

Yes you can pre-pay the loan after repaying a min. of 6 EMI's to 12 EMI's. Foreclosure charges would be applicable as per the banks term and condition.

In NRI Personal Loan the disbursement takes Approx 10 working days after all the documents are submitted. Since it is NRI form of lending it does not require valuation and legal and hence the process is very fast.

Comparing Personal Loan online depends on many factors such as your salary, company in which you are working, your obligation (existing loan) etc,. In online approach you will get general comparisons while you can get a personalize solution from Creative Finserve, which will help you with the best rate of interest and services for Personal Loan.

There is no process for applying online Personal Loan unless and until you have a relationship with the same bank. Creative Finserve gives you a personalized solution for Personal Loan, so why to confuse yourself with online approach if you can get better rate of interest and maximum eligibility through Creative Finserve.

Customers having online banking can approach their respective banks for Personal Loan through net banking and get information about Personal Loan. Appling online Personal Loan will give you information of your bank, and if you apply through us you will get information about other banks for better rate of interest, foreclosure charges, tenure and processing fees.

Appling online Personal Loan will give you information about particular bank. And if you apply through us our professionals will get exciting offers from other banks for better rate of interest, foreclosure charges, tenure and processing fees.

Personal Loan eligibility calculator is a mechanism where you can calculate your Personal Loan eligibility by sharing your information such as your salary/income. This loan eligibility calculator cannot get you the exact loan amount so we recommend you to get in touch with our professional team to serve you better.

Rather than hunting in the market or approaching unprofessional consultants for better offers give your few details and upload your few documents and get a personalized solution for your Personal Loan for better rate of interest in few minutes from our professional team.

Since Creative Finserve has immense experience and tied up with all multinational and private banks, we would be able to guide you and give you the best deal available in Personal Loan.

Personal Loan emi calculator is a process where you will be able to come to know the exact Personal Loan emi (installments) which includes principal and interest component according to your requirements.

We professional at Creative Finserve puts our best effort to give you a complete personalized solution. We take the pain of coordinating with various banks for you to give the best offer and service available in Personal Loan.

Choosing a right bank for Personal Loan is a cumbersome process, Creative Finserve guides you properly according to your requirements and gives you a personalize solution for your Personal Loan.

Once your Personal Loan is sanctioned or rejected you will get a sms alert or call from the bank and if you have applied through us we will coordinate with the respective banks and inform you.

If you are a account holder or a credit card holder with multinational or private banks with good track record and healthy transactions banks might offer you a preapproved Personal Loan. Sometimes preapproved loans are costlier affair because banks offer you at higher rate of interest, so we recommend you to call us or upload your documents for personalized solution to get best offers on Personal Loan available in the market.

It depends upon the current rate of interest of your existing Personal Loan as against the rate of interest available in the market. We recommend you to compare both the offers in our loan comparison calculator or else call us to get a personalized solution for your Personal Loan.