Vijaya Bank Loan Eligibility & Documentation
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Vijaya Bank Loan Eligibility: You are eligible for a loan if you are:
- Salaried individual
- Self employed individual
- Self employed professional like doctor, lawyer, etc.
- Aged above 18 years
- Have a good CIBIL credit score
- Good repayment capacity with fixed & stable income source
- Overall banks rating for the company you work for
- Try our Personal Loan eligibility Calculator to check how much loan amount you are eligible for.
Vijaya Bank Loan documentation: Vijaya Bank loan documentation process is minimal and generally banks require the following document:
- Identity proof (Pan card, Passport, etc.)
- 3 to 6 months bank statement (if salaried then bank statement of your salary account)
- Residence proof (rent agreement, property document, ration card, etc)
- Salary Slips
- In case of self-employed banks require balance sheets, profit & loss account, partnership deed & other documents etc.
Details of Vijaya Bank Loan
- Personal Loan Interest Rate.(Monthly reducing balance)
- 14.25% to 49% fixed.
- Processing Fees
- 1% to 5% of loan amount
- Personal Loan Tenure
- 1 year to 5 years
- Personal Loan Amount
- Rs. 1 lakh to Rs. 20 lakhs
- Pre-closure Charges
- 4% of pre-closed amount
- Guarantor Requirement
- No guarantor required
Details of Home Loan
- Home Loan Interest Rate.(Monthly reducing balance)
- 10.5% to 14.25% floating.
- Processing Fees
- 0.5% to 1% of loan amount
- Home Loan Tenure
- 1 year to 20 years
- Home Loan Amount Funded
- Up to 85% of property value
- Pre-payment Charges
- 0% to 2% of amount being prepaid
- Pre-closure Charges
- 0% to 2% of amount being preclosed
- Guarantor Requirement
- No guarantor required
Details of Car Loan
- Car Loan Interest Rate.(Monthly reducing balance)
- 10.50% to 14.25% floating.
- Processing Fees
- Up to Rs. 3,650
- Car Loan Tenure
- 1 year to 5 years
- Pre-closure Charges
- 3% to 6% of foreclosed amount
- Car Loan Amount
- Varies based on car model. Up to 100% financing for pre-approved customers.
- Guarantor Requirement
- No guarantor required
