ये न्यू कंपनी दे रही है 1 लाख से 15 लाख तक का लोन सेल्फ एम्प्लोई और सेलरी एम्प्लोई को जल्दी करे ऑनलाइन आवेदन
Website Link : https://www.qbera.com/
Paperless Process. No Collateral. No Hidden Charges & Repayment Tenures up to 60 months! Tenure from 1 to 5 Years. Disbursement in 24 hrs. Low Processing Fee. Multiple Repayment Option. Minimal Documentation. Types: Marriage loan, Travel Loan, Home Renovation Loan, Medical Loan.Qbera empowers employees of more than 7,00,000 companies in India to get access to personal loans digitally. We are a technology company capable of making instant lending decisions and getting money into borrowers accounts in as little as 8 hours.
STEP 1: ONLINE APPLICATION FORM
Get approved instantly
Fill out our online application form by answering a few questions about yourself, your employment, your education, expenses and needs. This process would take no longer than 10 minutes.
STEP 2: CONNECT BANK ACCOUNT
Submit your bank statements
Connect securely to your bank via netbanking and submit bank statements as part of the easy loan application form. Alternatively, you can upload bank generated pdf bank statements.
STEP 3: LOAN TERM
Choose your Loan Term
Using our proprietary Credit Scoring Algorithm we determine your loan eligibility in real-time. Our algorithm uses the information about you, to determine your future potential and help you get the best rate instantly.
Example:
A loan offer of ₹2 lac, for a tenure of 3 years at an interest Rate of 16.6% (on a reducing principal) and a processing fee of 2.5%. Translates to:
Processing Fee deduction of ₹5000 (2.5% of 2 Lacs) from loan amount, thus, the amount credited to your account will be ₹1.95 Lacs
EMI of ₹7091 per month
Total payable amount in 3 years = 36 times ₹7091 = ₹2,55,276
Total Interest paid in 3 years = ₹55,276, hence, annual interest paid = ₹18,425 (which translates to an effective flat annual rate of interest of 9.21%)
Documents Required after Digital Approval
- Aadhaar Card
- PAN Card
- 4 Cheques from your Salary Account
- Current Address Proof
- Permanent Address Proof (in case the permanent address is different from the address on Aadhaar card)
Eligibility Criteria
- Age: 21-57 years old
- Net Monthly Income must be more than Rs. 18,000.
- No defaults in the last 24 months.
Processing Fees
A processing fee is a very minimal amount charged to a borrower Applying for Instant Personal Loan.This amount includes the miscellaneous items such as documentation, appraisals, credit history required by the lender for underwriting process.The processing fee for different banks starts from as low as 2.5% to 6%
Interest Rate & Other Charges
- INTEREST RATE 11.99% to 35.99%
- PROCESSING FEE 1% to 5% of total loan amount
- LOAN AMOUNT ₹1,00,000 to ₹15,00,000
- LOAN TENURE 12 to 60 months
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