Personal Loan

Personal Loan @ 10.50%

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Personal Loan Features

Eligibility Criteria Details
 Personal Loan Interest Rate 9.75% p.a.
Lowest EMI per lakh Rs 2112
Tenure 12 to 60 months
 Personal Loan Processing Fee 1% to 2% of Loan Amount
Prepayment Charges Allowed after 12 Months (2 – 4 %)
Part Payment Charges Allowed after 12 Months (2 – 4 %) 
Min Loan Amt ₹ 50,000
Max Loan Amt ₹ 75 Lakh

What is a Personal Loan?

A personal loan means to take a loan from the bank. The moneylender (bank) provides funds to the applicant against the documents that are shown by him to the bank. Instant personal loan disbursal is provided by banks across the country. The process is hassle-free and get the loan amount within 24 hours.

A Personal Loan SBI may be considered when you need immediate funds for a family function, any medical issue in the family, education loan, home renovation, wedding, traveling or to repay any other loan.

Why BookMyLoans?

BookMyLoans is a platform where you can compare the best banks in India regarding a personal loan. We help you with the deals and offers by different banks across the country. Our customer relationship managers will get in touch with you as soon as you finish filling the application form that is displayed on our website. They will provide you the most relevant information that you require.

Eligibility Criteria for Personal Loan

CIBIL Score/Credit Score: It is a track of your credit history. All of the payments that you have done so far is recorded through this. Make sure to maintain your CIBIL Score.

Salary: It is one of the essential factors that is considered while sanctioning of your loan amount is your salary. Salary is checked just to ensure your capability of repaying the loan money.

Location-specific: Personal loan is location-specific. Hence, you get loan disbursal only from the bank branches that are within 25 km of range from your current location.

Age of person: The age of the person must be at least 21 or above. The range is between 21-60 years.

Company’s Profile: For both salaried and self-employed applicants, their company’s profile is checked.

Stability: You must have a stable lifestyle according to the bank so that there are no rejections for your loan.

Documents required for Personal Loan

It is an important step in the process of sanctioning a personal loan. Always ensure that the documents you provide are genuine because most of the rejections are based only on fraud documents that people offer.

Documents required in case of a salaried applicant:

Salary slips of last three months

Bank statements that are six months old

PAN Card is a must

Aadhar Card is also required

Residence proof (self-owned or rented or company provided) is necessary

Two passport size photographs

*NOTE: In case of people living in rented apartments, rent agreement is required and must be attached along with other documents.

Documents required in case of a self-employed applicant:

All financials are considered, including the ITR documents and files of the company.

PAN Card

Aadhar Card

Residence Proof (as mentioned above)

Two photographs that are passport size are required

What is a Personal Loan Interest Rate?

Different banks offer nominal charges for every personal loan that they give to their customers. The range of interest rate is from 9.75@ that can go up to 13.45%, depending on the bank and the applicant’s profile and financial stability.

How to calculate your monthly EMI?

Now with fewer efforts and with a single click, you can calculate your personal loan EMI with the help of personal loan EMI Calculator. You are now independent of knowing that what will be the fixed amount you will pay to the bank every month after taking a loan.

Basic FAQs

Whenever a person is interested in taking a personal loan, many questions come in his mind. So the questions and answers below might help you in solving your queries.

Who can apply for a Personal Loan?

A self-employed or a salaried person can opt for this type of loan.

How can I apply for a Personal Loan?

Visit any nearby SBI bank branch or go to our website BookMyLoans to apply for a personal loan online.

What is the tenure of a Personal Loan?

This type of loan is available for a minimum period of 1 year to a maximum period of 5 years.

How do I escape from rejection on my loan?

If a person provides original documents and everything goes well with the verification of the person, then he can escape from rejections on loan.

What happens when an applicant fails in repaying his loan amount?

In that case, your CIBIL Score is affected a lot.

Can I take more than one Personal Loan at a time?

No, you cannot take more than one personal loan when you are already undergoing one loan. 

 

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  12. Where to study music in the UK?
    Studying abroad is a complex and expensive business: the cost of a year can vary from hundreds of thousands to one and a half million rubles per year. However, there are many grants and scholarships available, some of them covering up to 100% of the tuition costs. You can learn about the subtleties of preparing a portfolio for admission and receiving scholarships at the exhibition of British education “Study UK: Discover You”. We advise you on which educational institutions you should pay attention to.

    BIMM (British & Irish Modern Music Institute)
    The music industry in miniature .Britain’s most prestigious school of contemporary music. It teaches not only how to play a musical instrument well, but also how to interact with the industry. Among the directions — vocals, playing instruments, music business, production and songwriting (it is taught, for a moment, vocalist Lamb).

    On the territory of the Institute there are several rehearsal bases and small studios: young musicians gather groups, record demos and organize concerts without leaving the walls of their native University, and student journalists publish LDN magazine, where they talk about their colleagues and interview masters from big show business. Senior colleagues (ranging from Chuck D to Brian may) also visit students, telling them about the intricacies of their work and leaving Souvenirs: in one of the halls, for example, you can admire an autographed Niall Rogers guitar. In General, there is a whole model of the music industry-and the model is quite working. As a result, bimm alumni include George Ezra, Tom Odell, Izzy Bizu, and the Cure drummer Jason Cooper. Royal Academy of Music. The oldest Conservatory in the United Kingdom, under the personal patronage of Her Majesty, will celebrate its bicentenary in 2022. The list of graduates and alumni is no less impressive: among others, Annie Lennox from Eurythmics and Elton John studied here (for authenticity, a couple of scenes of “Rocketman” were filmed in the Royal Academy

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  13. Studying abroad is a complex and expensive business: the cost of a year can vary from hundreds of thousands to one and a half million rubles per year. However, there are many grants and scholarships available, some of them covering up to 100% of the tuition costs. You can learn about the subtleties of preparing a portfolio for admission and receiving scholarships at the exhibition of British education “Study UK: Discover You”. We advise you on which educational institutions you should pay attention to.

    BIMM (British & Irish Modern Music Institute)
    The music industry in miniature .Britain’s most prestigious school of contemporary music. It teaches not only how to play a musical instrument well, but also how to interact with the industry. Among the directions — vocals, playing instruments, music business, production and songwriting (it is taught, for a moment, vocalist Lamb).

    On the territory of the Institute there are several rehearsal bases and small studios: young musicians gather groups, record demos and organize concerts without leaving the walls of their native University, and student journalists publish LDN magazine, where they talk about their colleagues and interview masters from big show business. Senior colleagues (ranging from Chuck D to Brian may) also visit students, telling them about the intricacies of their work and leaving Souvenirs: in one of the halls, for example, you can admire an autographed Niall Rogers guitar. In General, there is a whole model of the music industry-and the model is quite working. As a result, bimm alumni include George Ezra, Tom Odell, Izzy Bizu, and the Cure drummer Jason Cooper. Royal Academy of Music. The oldest Conservatory in the United Kingdom, under the personal patronage of Her Majesty, will celebrate its bicentenary in 2022. The list of graduates and alumni is no less impressive: among others, Annie Lennox from Eurythmics and Elton John studied here (for authenticity, a couple of scenes of “Rocketman” were filmed in the Royal Academy

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  14. What Red Bull Music Academy was for musicians and why we will miss it
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    International music residency for artists, producers and DJs, which was sponsored by Red Bull, and the musical and organizational part was handled by yadastar from Cologne. A creative residence is something similar to a children’s camp for adults: participants gather in one place, live together, engage in creativity and make joint projects.

    In addition to the creative residency, RBMA is also a huge archive of video lectures from well-known producers, sound engineers and musicians: all these lectures were held live during the residency.RBMA started working in 1998 in Berlin. At that time, the tumultuous nineties and euphoria that came after the fall of the Berlin wall were already fading, and people who came to Berlin for inspiration either left or lost their enthusiasm.
    “We were 23 years old,” says Torsten Schmidt and Mani ameri, the founders of Yadastar, which founded the residency in collaboration with Red Bull, ” and we really missed the opportunity to learn music: it was difficult to exchange experiences, all like — minded people seemed to be scattered and confused all over the world, pathetic sound engineering courses and music colleges did not provide a single gram of valuable or even relevant information. When Red Bull asked what kind of project they could do with us in the music field, the idea was obvious — it would be cool to bring together musicians of different styles and cultures and give them the opportunity to learn from each other.”

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  15. Learn several foreign languages

    It’s nice to come to Italy and say “Buongiorno!” passing waiter. And then catch the admiring glances of those with whom you came. Is not it? But it has long been known that learning foreign languages contributes to the development of a good memory. It’s also very interesting! So why not take advantage of this?

    These are effective methods for training memory. But there is also something interesting. Memory is inextricably linked to proper and good brain function. This means that stimulating its work allows you to improve memory:

    It has been proven that regular sports activities increase brain activity and improve memory;
    No to gray days! It is well remembered that that does not fit into the framework of everyday life. Try to change the environment, add bright colors, go to the store on a new path … It is not necessary to radically change your life. Just add something new to your daily routine, and your brain will work with renewed vigor;
    Add new habits. For example, tidying up your desk in the morning is a great start to a productive day!
    Meditation, relaxation make the brain switch, relax. This means that he will perform new tasks with renewed vigor;
    Music has a magical effect on our brain. It has been proven that people who practice music have better memory and analytical skills;
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    The brain assimilates and sorts information while we sleep. So don’t ignore this process.
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    This is just a small part of the effective techniques for developing memory. But simple reading will not work. Apply these techniques. Remember, only 50% of the result depends on the doctor, and the remaining 50% on the patient. Without working on yourself, you will never reach the top.
    Figure 1. Sample structure of coursework
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    Dated using verbs – “analyze”, “consider”, “characterize”, “describe”, “classify”, “reveal” and others.

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