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Co-operative Loans | Personal Loan |     
 
Personal Loan
 
   
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TARGET GROUP

   Residents of Ernakulam District.  

PURPOSE

Purchase of home appliance including computer and lap top

LOAN AMOUNT LIMIT

Upto 1 Lakh

RATE OF INTEREST

ü  13.00%

REPAYMENT PERIOD

60 Months for home appliances and 36 months for computer and laptop

ELIGIBILITY

ü  SALARIED PERSON: Basic pay not less than Rs. 3000/-; total deduction not exceed 50 % of    gross   salary.

ü  FOR OTHERS: Sufficient personal or family income.

GUARANTEE

ü  If applicant is an Employee:

1) Upto Rs.50000/-:- Employment Certificate of applicant.

2) Rs.50, 001 to Rs.1, 00,000/-: 1 Employed surety.

 If Applicant is not an Employee :-

1)Upto Rs.50,000/-:- 1 Employed surety & LTR of applicant

2) Rs.50,001 to Rs.1,00,000/-: 2 Employed surety & LTR of applicant

Consumer articles shall be hypothecated to Bank

Margin

20% of the applied amount.

INTEREST REBATE

Applicable to this loan (Subject to condition)

MORATORIUM

Not applicable to this loan

DOCUMENTS TO BE SUBMITTED

ü  Income proof

ü  Salary Certificate of the Applicant & Guarantors in the prescribed form.

ü  Photocopy of Ration card of applicant & Identity card of Guarantors

 

 
 
 
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