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Andhra
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Products
Personal
UNION PERSONAL - NON-SALARIED
UNION PERSONAL - NON-SALARIED
FEATURES
PURPOSE
To meet personal expenses such as marriage, purchase of consumer durables, travel, holiday, etc.
ELIGIBILITY
Non-salaried individuals having regular source of income**.
Minimum age of the applicant should be 25 years.
Maximum permissible age at the end of repayment to be 75 years. This is subject to assessment at the time of sanction the adequacy of income to meet repayment obligation till the age of 75 years.
Applicant should be customer of our Bank for at least 24 months prior to considering the loan proposal.
Applicant should necessarily maintain savings or current account with us with average quarterly balance of Rs.25000 & above for immediately preceding 4 quarters and conduct of account should be satisfactory, i.e. no cheque returns for financial reasons, no adverse feature reported etc.
NATURE OF FACILITY
Term Loan
QUANTUM
Minimum Amount – No limit
Maximum: subject to repayment capacity, maximum quantum of loan per individual is as under:
New/first time borrowers - Rs.5.00 lakh
Existing borrowers with a satisfactory repayment record of 2 years - Rs.15.00 lakh
MARGIN
Nil
RATE OF INTEREST
Please click here
to know our latest interest rates.
REPAYMENT TENURE
The maximum repayment period will be earlier of the following two:
5 years (60 months)
Up to the age of 75 years
SECURITY
No security, subject to the condition that Spouse of the applicant must join as co-applicant.
GUARANTEE
In case borrower is single/widow/divorcee, then guarantee of a person having means equivalent to the loan amount.
**Conditions apply.
**Contact our nearest branch for further details**
FORMS & DOCUMENTS
LIST OF DOCUMENTS
Proof of identity (any of the following)
Passport
PAN Card
Employee identity card
Any other valid proof
Proof of address (any of the following)
Electricity bill
Telephone bill
Aadhar
Any other valid proof
PAN Card.
Proof of income
Last three years ITR
2 photographs
Proof of out-goes
Loan repayment statement, if any
LIC Policies, if any
Valid proof of any other out-go
Any other document required as per the application form.
APPLICATION FORM
To download the application form, please
click here
.
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Education Loan
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