Capital First Home Loan - Frequently Asked Questions

Who is eligible for a personal loan from Credit First?
Salaried individuals between the age of 23 to 55 years old, earn over Rs.20,000 per month and have a decent CIBIL score. Self-employed persons who are between the age of 28 to 65 years old, have a yearly turnover of Rs.10,00,000 and have a decent CIBIL score.
When, and for what purpose can I take a personal loan from Credit First?
You can take a personal loan as and when the need arises – to meet an emergency expense, to purchase assets, as capital for your business, for a marriage, or even if you just feel like it. The reason you need a personal loan needn’t be explained.
When, and for what purpose can I take a personal loan from Credit First?
You can take a personal loan as and when the need arises – to meet an emergency expense, to purchase assets, as capital for your business, for a marriage, or even if you just feel like it. The reason you need a personal loan needn’t be explained.
What is the maximum loan amount that I can take from Credit First?
Loans for salaried employees can go up as high as Rs.10,00,000 and Rs.15,00,000 for self-employed people. This, of course, is dependent on your eligibility.
What is the rate of interest on a personal loan from Credit First?
Interest rates range from 15% to 20% for salaried employees and 22% for those who are self-employed.
How secure is the application process through BankBazaar?
The BankBazaar application process is super-easy and ultra-secure. Your personal details will not be revealed or shared with anyone until you apply for a loan through a particular bank and even then, your details are only shared with the bank you choose.
What can one use the Capital First Personal Loan amount for?
The personal loan amount granted for Capital First Personal Loan can be utilised for any personal expenditure that is legal. The loan is usually utilised to fund expenses incurred from wedding, medical emergency, home renovation, education and much more.
Does one need to mortgage their property to avail the loan?
The individual can get a sanction approval for the loan without mortgaging their property.
How is the interest calculated for the personal loan?
The interest for the loan is calculated on a monthly basis for Capital First Personal Loan.
Does the bank offer foreclosure option for the loan?
The bank does offer foreclosure options for the loan.
What is the minimum age requirement for the loan?
The applicant needs to be at least 21 years of age to be eligible for the loan.
What is the Eligibility criteria for Capital First Personal Loan?
The personal loan can be availed by any customer who have already taken a Consumer Durable loan or two wheeler loan from the bank.
What are the Documents required for Capital First Personal Loan?
Listed below are the documents required to apply for the personal loan.

  • Completely finished application form
  • Passport size photograph
  • Security
  • Identity proof
  • Address proof

What are the ways through which one can apply for the loan?
There are three ways through which one can apply for the Capital First personal loan.

  • Through a phone call to the bank
  • Visit a branch of the bank personally and apply for the loan there
  • Apply online either through the bank’s official website or through a third party financial website

What is the best benefit offered by the loan?
The best benefit offered by the personal loan is that the loan provides insurance options at a lower premium.

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