Andhra Bank Personal Loan - Eligibility & Documentation

There are a few factors which can affect the eligibility of an applicant when it comes to obtaining a personal loan from Andhra Bank, some of which are mentioned below.

Income –Income plays a crucial role in loan applications, and individuals with high income have a better chance of getting their loan approved. A healthy income instils confidence in the repayment capacity of the applicant.

Age – Youngsters might find it hard to obtain loans as they are viewed as carefree, with less financial obligations. Experienced applicants are likely to get a favourable response, as banks consider them stable and settled. Individuals approaching their retirement age can be viewed as risky prospects as they might not have a steady source of income to repay the loan post retirement.

City of Residence – It is easier for applicants from big cities to get their loan approved compared to applicants from smaller towns and villages.

Type of Employment – Permanent employees with a steady source of income are likely to get their loan sanctioned faster than probationary or temporary employees as probationary employees have no job guarantee and are viewed as risky propositions.

History of company – Banks are cautious about new companies or those embroiled in controversies, as employees of these companies might not get their salaries on time. Employees from government organisations and reputed firms are likely to get their loan application approved faster compared to others.

Andhra Bank Personal Loan in Delhi/NCR through LoanMoney

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