Tuesday, 22 December 2015

Top 5 reasons why a personal loan application may be rejected

Personal loan is the best way to finance immediate requirement for cash. Let's discuss how easy or difficult is it to get your personal loan application sanctioned. Here are the top 5 reasons why most personal loan applications get rejected. 

1.    Salary payment by cash: The way you get your salary is important. If you are earning well but getting salary through cash or cheque then banks may not give you personal loan. Bank prefer customers who receive salary directly in their bank account by direct transfer or ECS.

2.    Work experience of less than 3 years: Work experience plays an important role in obtaining a loan sanction. Most banks require minimum of 3 years experience to establish job stability. Some banks may also insist upon minimum one year stability in current job. Having sufficient experience but frequently switching jobs may also lead to rejection of your loan application.

3.    Residing in negative area: Your residence locality also matters when you  apply for a personal loan. Most banks have a "negative area list" and they don’t provide loans to resident of these areas. So it is good to check the same with the banker before handing over your document to them.

4.    Poor credit history and low CIBIL score: Bank always verifies your credit history before lending you any amount. If you have skipped EMI’s and haven’t paid your credit card bill on time, this all will affect your credit history and hurt your CIBIL score. The bank will reject your application in case of bad credit history. Check your approximate credit score estimate here


5.    Invalid Details: Bank verifies every detail provided on your application. If any detail is incorrect or if you are not reachable for verification, then your application is likely to be rejected. 

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