How is my personal loan eligibility determined?

Personal loan eligibility is determined based on your income and repayment capabilities. This is deduced from the type of your employment, job stability, monthly income, age, liabilities and sometimes even marital status! Banks look at details like organization you’re employed with, job history, salary and household liabilities. Some of them give personal loans to individuals within an age bracket and have a minimum monthly income criterion which is higher for those in urban areas.


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