{"id":2188,"date":"2018-03-13T07:28:36","date_gmt":"2018-03-13T01:58:36","guid":{"rendered":"https:\/\/www.antworksmoney.com\/blog\/?page_id=2188"},"modified":"2018-03-13T07:28:36","modified_gmt":"2018-03-13T01:58:36","slug":"sbi-loan","status":"publish","type":"page","link":"https:\/\/www.antworksmoney.com\/blog\/sbi-loan\/","title":{"rendered":"SBI Loan"},"content":{"rendered":"<p><b>Check SBI Loans offers online<\/b><\/p>\n<p><b>SBI Loan Eligibility:<\/b>\u00a0You are eligible for a loan if you are:<\/p>\n<ul>\n<li>Salaried individual<\/li>\n<li>Self employed individual<\/li>\n<li>Self employed professional like doctor, lawyer, etc.<\/li>\n<li>Aged above 18 years<\/li>\n<li>Have a good CIBIL credit score<\/li>\n<li>Good repayment capacity with fixed &amp; stable income source<\/li>\n<li>Overall banks rating for the company you work for<\/li>\n<li>Try our Personal Loan eligibility Calculator to check how much loan amount you are eligible for.<\/li>\n<\/ul>\n<p><b>SBI Loan documentation:<\/b>\u00a0SBI loan documentation process is minimal and generally banks require the following document:<\/p>\n<ul>\n<li>Identity proof (Pan card, Passport, etc.)<\/li>\n<li>3 to 6 months bank statement (if salaried then bank statement of your salary account)<\/li>\n<li>Residence proof (rent agreement, property document, ration card, etc)<\/li>\n<li>Salary Slips<\/li>\n<li>In case of self-employed banks require balance sheets, profit &amp; loss account, partnership deed &amp; other documents etc.<\/li>\n<\/ul>\n<div class=\"loans_sprite tablebg\">\n<div class=\"faq_interest\">\n<h3>Details of SBI Loan<\/h3>\n<dl class=\"clearfix\">\n<dt class=\"first odd\">Personal Loan Interest Rate.(Monthly reducing balance)<\/dt>\n<dd class=\"first odd\">14.25% to 49% fixed.\u00a0<span class=\"showEligFormLink\">Check Customized Interest Rates Now!<\/span><\/dd>\n<dt>Processing Fees<\/dt>\n<dd>1% to 5% of loan amount<\/dd>\n<dt class=\"odd\">Personal Loan Tenure<\/dt>\n<dd class=\"odd\">1 year to 5 years<\/dd>\n<dt>Personal Loan Amount<\/dt>\n<dd>Rs. 1 lakh to Rs. 20 lakhs<\/dd>\n<dt class=\"odd\">Pre-closure Charges<\/dt>\n<dd class=\"odd\">4% of pre-closed amount<\/dd>\n<dt>Guarantor Requirement<\/dt>\n<dd>No guarantor required<\/dd>\n<\/dl>\n<div class=\"loans_sprite tablebg_bottom\"><\/div>\n<\/div>\n<\/div>\n<div class=\"margin-top15\"><\/div>\n<div class=\"loans_sprite tablebg\">\n<div class=\"faq_interest\">\n<h3>Details of Home Loan<\/h3>\n<dl class=\"clearfix\">\n<dt class=\"first odd\">Home Loan Interest Rate.(Monthly reducing balance)<\/dt>\n<dd class=\"first odd\">10.5% to 14.25% floating.\u00a0<span class=\"showEligFormLink\">Check Customized Interest Rates Now!<\/span><\/dd>\n<dt>Processing Fees<\/dt>\n<dd>0.5% to 1% of loan amount<\/dd>\n<dt class=\"odd\">Home Loan Tenure<\/dt>\n<dd class=\"odd\">1 year to 20 years<\/dd>\n<dt>Home Loan Amount Funded<\/dt>\n<dd>Up to 85% of property value<\/dd>\n<dt class=\"odd\">Pre-payment Charges<\/dt>\n<dd class=\"odd\">0% to 2% of amount being prepaid<\/dd>\n<dt>Pre-closure Charges<\/dt>\n<dd>0% to 2% of amount being preclosed<\/dd>\n<dt class=\"odd\">Guarantor Requirement<\/dt>\n<dd class=\"odd\">No guarantor required<\/dd>\n<\/dl>\n<\/div>\n<\/div>\n<div class=\"loans_sprite tablebg\">\n<div class=\"faq_interest\">\n<h3>Details of Car Loan<\/h3>\n<dl class=\"clearfix\">\n<dt class=\"first odd\">Car Loan Interest Rate.(Monthly reducing balance)<\/dt>\n<dd class=\"first odd\">10.50% to 14.25% floating.\u00a0<span class=\"showEligFormLink\">Check Customized Interest Rates Now!<\/span><\/dd>\n<dt>Processing Fees<\/dt>\n<dd>Up to Rs. 3,650<\/dd>\n<dt class=\"odd\">Car Loan Tenure<\/dt>\n<dd class=\"odd\">1 year to 5 years<\/dd>\n<dt>Pre-closure Charges<\/dt>\n<dd>3% to 6% of foreclosed amount<\/dd>\n<dt class=\"odd\">Car Loan Amount<\/dt>\n<dd class=\"odd\">Varies based on car model. Up to 100% financing for pre-approved customers.<\/dd>\n<dt>Guarantor Requirement<\/dt>\n<dd>No guarantor required<\/dd>\n<\/dl>\n<ol>\n<li style=\"list-style-type: none\">\n<ol>\n<li><strong>What are the interest rates for SBI Loans?<\/strong><br \/>\nEach bank will have different Interest rates. Interest rates will also vary depending on each individual\u2019s eligibility criteria\u2019s. Typically Interest rates start at 12% and can go up to 28%.<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n<ol>\n<li style=\"list-style-type: none\">\n<ol>\n<li><strong>How much money am I eligible for?<\/strong><br \/>\nYou can borrow as much as you can repay. This in banking terms would mean a Loan that has an EMI that does not exceed 40% of your monthly take home income, where the EMIs for existing loans are also deducted.<br \/>\nFor self-employed applicants, profit is the benchmark that determines loan value. The longer the time frame for repaying the loan the lower the EMI and this also means you can opt for a larger loan amount. The loan amount you are eligible for is also dependent on other factors like the company you are employed with, the location of your residence and your credit history.<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n<ol>\n<li><strong>Can I have a co-applicant for a SBI Loan?<\/strong><br \/>\nYes, you can opt for a co-applicant. This can help you increase the loan amount you are eligible for as the income of the co-applicant is also taken into consideration.<\/li>\n<\/ol>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Check SBI Loans offers online SBI Loan Eligibility:\u00a0You 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 &amp; stable income source Overall banks rating for the company you work &hellip; <a href=\"https:\/\/www.antworksmoney.com\/blog\/sbi-loan\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;SBI Loan&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2188","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>SBI Loan | Antworks Money - The Blog on Personal Finance | Guide to Loans, Credit Cards, Insurance and Investments<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.antworksmoney.com\/blog\/sbi-loan\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"SBI Loan | Antworks Money - The Blog on Personal Finance | Guide to Loans, Credit Cards, Insurance and Investments\" \/>\r\n<meta property=\"og:description\" content=\"Check SBI Loans offers online SBI Loan Eligibility:\u00a0You 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 &amp; 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