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Types of Bank Loans

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Personal Loans

A personal loan has a minimum age criteria of 18-21 Years. A net income of INR 1-2 Lakhs per annum is necessary. A loan amount ranging from INR 50000-INR 15 Lakhs is generally available.

Home Loans

A home loan has a minimum age criteria of 18-24 Years. A net income of INR 1-1.5 Lakhs per annum is necessary. A loan amount ranging from INR 2 Lakhs –INR 2 Crores is generally available.

Car Loans

A car loan has a minimum age criteria of 18-21 Years. .A net income of INR 1-1.5 Lakhs per annum is necessary.

Loan Against Property

A loan against property has a minimum age criteria of 18-24 Years. A net income of INR 1.2-2.0 Lakhs per annum is necessary. A loan amount ranging from INR 2 Lakhs –INR 1.5 Crores is generally available. The land should be within the municipal limits and 50%-60% of its value is sanctioned.

Education Loan

Student should be between 16-35 years of age .Co Applicant of the loan should be between 21-60 Years of age. In India generally a loan of up to INR 10 Lakhs is provided for studies done in the country. For Foreign studies the amount sanctioned may be up to INR 20 Lakhs. In certain cases it might go up to 30 Lakhs.

Prajna Capital always advocates that one should study the eligibility criteria of his/her loans.

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