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SBI Personal Loan Friends from State Bank of India How to apply for personal loan at home by apply online To take a personal loan from SBI What documents do you need And following which terms and conditions You can be eligible to take a personal loan from SBI How much maximum loan amount can you get from SBI? And how much interest will be charged on that loan amount To refund the loan amount How many months do you get And the most
important thing That after taking this personal loan What extra charges do you have to pay We will know all these things in this video So let's know First of all, let me tell you that There are some types of personal loans in SBI. For example SBI Pension Loan , SBI Xpress Credit Loans Against Securities , SBI Quick Personal Loan There are many other similar types. So In this video, we will know about SBI Xpress Credit Personal Loan First of all here friends SBI Xpress Credit Personal Loan Let's know about some benefits The first of its benefits That is, under this, you can take a maximum loan of up to 20 lakhs. And the interest that is charged on this loan amount If you take the same loan amount from another bank So there is as much interst on According to him, very little charge interest is given in SBI Along with this, the processing fee has to be paid very less. The document is also very rarely given here. Along with Hidden Cost i.e. Extra Charges They have to pay almost nothing And the most important thing guys Here you do not need Guarantor at all. That you would know If you take a personal loan from a bank So there you need a guarantor That means you there You have to provide some costly paper Like Land, House has to give some paper of all this You get a loan on its basis Otherwise, A person has to become a guarantor So that if you can't repay the loan there So the bank can sell your product and repay the loan. Otherwise the person who made the guarantor They have to pay a loan amount there So there is no need for a guarantor here. Here are some benefits guys Now it comes under SBI xpress credit Which people can get a loan What is its eligibility First of all here friends What ever person wants to take a loan under this Their minimum age should be 18 years And together here you are taking a personal loan So your CIBIL score should also be good If there is any problem in your CIBIL score So you first get her to Solve If it is bad you improve it After that you apply for loan Because if your CIBIL score is bad So here it is confirmed that You will not get the loan amount So if you don't know much about CIBIL score Then I have a link to a dedicated video of your CIBIL score I will give this video in the description And in the eye button above From there you can know all about CIBIL score And if your CIBIL score is poor So you can improve it So here you have to see the CIBIL score After that, friends here on SBI Xpress Credit Loan The Banner is given on its website It is written on the above Loan to Salaried Employees having salary account with SBI That is, this loan Only the person who does the job And the salary account they have together He should be in SBI Only then you can get a loan Those whose salary account is not in SBI Or those who don't do jobs How will they get a loan I will share this further in the video So here friends, this is the condition The second condition is Income of those who do jobs The minimum should be at least 15000 rupees. Or should be more than that Only then they can get this SBI Xpress Credit Loan Together friends here EMI BY NMI Ratio Must be less than 50% That is what it means Like if your income is up to 50 thousand So if you have already taken a loan Or have any product taken on EMI So by adding that total EMI amount Must be less than 25000 rupees That is, it should be less than 50% Only then you will be able to get SBI Xpress Credit Loan So these are some conditions guys Now comes the document So as I told you, very few documents have to be given here. Because when you apply this loan So here you have to give salary account details So if you already have an account with this bank So you have already given all the documents So you have to give very few documents here Now it comes here that under this SBI Xpress Credit Personal Loan How much amount can a maximum and minimum loan take? Here friends, personal loans are also of two types. First Term Loan And Second Overdraft Loan So if you take a term loan So here you have to take a loan of minimum 25000 The same if you want to know the maximum loan amount So that's 20 lakh That is, you can take a loan of up to 20 lakh rupees. Together friends talk about the overdraft loan So what is this overdraft loan What happens in an overdraft loan As if you took a loan of 5 lakh rupees And you get money from somewhere in the middle Extra money that you have So if you deposit that money in the bank So there was interest Not in the total amount that you deposited After that, the remaining loan amount will be levied on him. That is, you have to pay less interest. So if you get the facility of overdraft loan amount So in that condition You have to take a minimum loan of up to 5 lakhs. And it also has a maximum of 20 lakh rupees. Here friends, your monthly income is People know that they get loans up to 24 times more. Very few people are able to take this loan. So now the point is that here is the loan amount you have How much time will you have to return it And how do you return the loan amount? Friends, Here you can get a term loan or an overdraft loan. In both types of loan you get minimum 6 month time. To refund the loan amount And you can get maximum time of 6 years i.e. 72 months To return the loan amount to the bank So how will you return money to the bank Here you have to manually go to the bank and deposit No Dosto If you want, then you have given the details of salary account While taking loan, you will give the details of salary account Every month from the same salary account Your EMI amount That means your installment amount has been made That installation amount every month Automatic salary will be deducted from your salary account You don't have to do anything here So friends, your repayment gets completed So now it comes to how will you apply this loan online If you want to apply offline Then you can go to Normally Bank very easily and apply Same if you want to apply online So you have two options The first is that You can apply by going through the official website of SBI. So friends on the webpage that This loan is applied directly Direct link to that webpage You will find this video in the description By clicking on which you go directly to that webpage. And there you have to complete some simple steps You will get some account number, name That is to fill some personal details. And your loan is applied And another way is friends Yono application So guys what do you have to do in yono First of all you have to download YONO from PlayStore Then you have to register in it Then you have to register in it After registering, friends simply there Three lines in the left upper corner You have to click on it On clicking on it, you will get a loan option You have to click on it Then there will be an option of SBI Xpress Credit. You have to click on it Loan has to be applied to page There, you will be told all the things like eligibility, documentation And then you will get a button of apply now From where you can apply for SBI Xpress Credit Personal Loan So friends from there you applied Some time after applying or after few days As the bank service is going on now According to that a call will come from the bank They will ask you some details Will verify your document And after that, friends, if you are eligible So in a very short time You will get your loan amount in your bank account. And then friends, you can use that loan amount anywhere. Here you don't have to share anything with the bank Where will you use that loan amount Where will you use that loan amount Because this is a personal loan So guys, you will get a loan in this way. So guys, you will get a loan in this way. So now it comes to Which extras charges are required to this loan amount Friends, we have not told extra charges in the video Extra Chagas gives you the comment section of this video In that, you have a full list of extra charges in the top comment. You can know by going from there That in this personal loan What extra charges do you have to pay So now it comes to those whose salary account There is no maintenance with SBI How can they take a personal loan from here Friends when i was talking about loan types So there was also an option of an SBI Quick Personal Loan So this is SBI Quick Personal Loan Friends It is given only to such people Those whose salary account is not
maintained with SBI Are you in another bank So if you want to make a video Also if you are on another loan type That is, people who are self-employed Or people who don't do anything How will they get a loan How much interest will be charged Want this kind of video So you can comment in the comment box of this video The type whose comments will be more By making videos of that type I will upload on my channel soon So guys if you liked this video So you can like this video If you notice anything bad in this video So you can comment in the comment box of this video So that we can improve our upcoming videos
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