Mobile Apps Se Personal Loan Lete Huye Sahi Janakri Bharna – Monthly Income Aur Required Loan Kaise Kaam Karta Hai
Aaj kal mobile apps se personal loan lena easy lagta hai. Sirf few clicks aur paisa turant account me. Par problem ye hoti hai ki log wrong janakri bhar dete hain. Bank ya NBFC reject kar deta hai, ya phir interest high lag jata hai.
Is article me step by step bataunga kaise sahi janakri bhare, aur monthly income & required loan kaise calculate hota hai.
Step 1 – Monthly Income Sahi Bharna
Mobile app me sabse pehle aapse monthly income pucha jata hai. Self-employed ho ya salary based, number realistic dena zaruri hai.
- Salary – payslip aur bank statement match karo.
- Self-employed – last 2-3 saal ka ITR aur bank statement ready rakho.
- Fake ya exaggerated income fill mat karo – verification me problem aayegi.
Step 2 – Required Loan Amount Decide Karna
App me “Required Loan Amount” pucha jata hai. Ye number aapke actual need aur repayment capacity ke hisab se rakho.
- Emergency purpose – exact minimum amount fill karo.
- Large amount borrow karna hai – EMI calculate karo aur repayment capacity dekho.
- Loan purpose mention correctly karo – medical, travel, home renovation etc.
Step 3 – EMI Aur Repayment Capacity Samajhna
App me automatically EMI calculate hoti hai, but samajhna zaruri hai.
- Monthly income ka 30-40% se zyada EMI nahi dena chahiye.
- Tenure decide karo – longer tenure = EMI low, par interest zyada.
- Short tenure = EMI high, par total interest kam.
Step 4 – KYC & Documents Upload
Mobile app me documents upload karna hota hai.
- ID proof – PAN, Aadhaar, Passport
- Address proof – Aadhaar, Voter ID, Utility Bill
- Income proof – Salary slip, ITR, Bank statement
- Photograph – recent click
Sab clear aur readable photo upload karo. Blurry images se rejection hoti hai.
Step 5 – Interest Rate Aur Fees Samajhna
App me interest rate automatically calculate hoti hai, par thoda samajhna zaruri hai.
- Annual interest rate check karo – 10% se 24% usual.
- Processing fees – one-time fee hoti hai, generally 1-2%.
- Late payment charges – agar EMI miss hui to extra cost.
Step 6 – Accurate Personal Info Bharna
Bank internal verification ke liye ye bohot important hai.
- Name exactly same jaise PAN/Aadhaar
- Date of birth, address match documents ke saath
- Marital status, employment type correct fill karo
- Mobile number aur email active hona chahiye – verification OTP ke liye
Step 7 – Loan Sanction & Disbursement
App me submit karte hi bank verify karta hai. CIBIL check, income check, document verification – sab background me.
Approval ke baad, paisa aapke account me transfer hota hai. Self-employed ke liye verification thoda longer ho sakta hai, par agar sab info sahi hai, usually 1-3 din me paisa mil jata hai.
Real Life Example
Neha self-employed content writer hai. Monthly income 60,000, required loan 1.5 lakh. App me exact ITR aur bank statement upload kiya, EMI calculate ki aur documents clear diye.
Result – 2 din me approval aur paisa account me transfer. Lesson – sahi info + realistic loan = fast approval.
Tips For Fast Approval
- Exact monthly income aur documents upload karo.
- Required loan realistic rakho, purpose clear mention karo.
- Bank account aur salary flow clean rakho.
- Previous defaults ya overdue history repair karo.
- App ke instructions dhyan se follow karo, extra info fill mat karo.
Conclusion
Mobile apps se personal loan easy hai, par sahi janakri aur documents ke sath hi smooth approval hoti hai. Monthly income realistic fill karo, required loan exact rakho, aur repayment plan samjho.
Self-employed log ke liye verification thoda strict hai, par sab correct ho to 1-3 din me loan mil sakta hai. Discipline + accuracy = fast approval.