1 lakh loan from Aadhaar: Friends, in today’s digital age, if a person suddenly needs money then he goes to the bank and it takes a lot of time in the bank.
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And it requires a lot of documents but now your friends do not need to worry at all because we are going to tell you a way through which you can take a loan of up to ₹ 100000 with Aadhar card
The Rise of Mobile Loan Apps:
Friends, we have seen that in the last few years, many apps have been launched in the market which help you a lot in taking loans online from home. You can get instant loans without any charges by using these apps. These apps are run by institutions registered by RBI which give loans only on the basis of KYC documents.
Process of taking loan:
1) First of all, your friends, you have to download an app which is real and 100% genuine
2) You have to register in this application with the mobile number linked to your Aadhaar
3) You have to fill in all the information like what is your occupation, what is your job and you have to enter all the details of your bank account.
4) You must have PAN card on Aadhaar card to do KYC
5) There are many people who can ask for your bank statement, so you should have that too
6) Your friends, based on your eligibility, you get a loan offer in a very short time.
7) Your friends, if you are completely satisfied then you can accept this loan agreement through the cover of Aadhaar
8) There are loan apps, if you are approved then your money is transferred directly to your bank account
Loan Features:
1) Loan amount: In these apps, people can usually give loans ranging from ₹30000 to ₹100000
2) Interest rate: Friends, here you have to pay much higher interest as compared to banks, mostly it is 20% to 35% per annum
3) Repayment period: You are given a time period of mostly 3 months to 12 months to repay the loan
4) Processing fee: The processing fee can be up to four percent of your total loan amount
5) Other fees: Some apps or platforms may also charge you credit card value fees
6) Late Payment Charges: If you do not pay your EMI on time, then you have to pay extra late fee
7) GST: 18% GST is applicable on all charges.
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Benefits:
1) Quick Process: Your friends can get loan here in very less time
2) Less documentation: Only one type of PAN card or Aadhaar card is required to avail a loan through these apps
3) Convenience at home: Friends, you have to complete the entire process online from your mobile phone
4) Flexible amount: You can take a loan from a very small amount and gradually increase it to a large amount
5) For any purpose: The advantage of taking a loan through these apps is that you can do this whenever you need it
6) Available all over India: You can avail a loan through them even while sitting in a hut in a farm
7) Improvement in credit score: If you repay this loan on time, then your credit score or civil score also increases.
Harm and precautions:
1) High interest rate: Friends, if we talk about the interest rate, it is very high and much higher as compared to banks.
2) Short term: In this, you have to return or repay the loan very quickly
3) Additional charges: Processing fee or platform fee is payable by you
4) Credit score impact: If you do not repay the loan on time, your CIBIL score also goes down
5) Recovery calls: If you don’t make the payment, you may receive repeated calls from your friends through apps
6) Data security concerns: There are some apps that can misuse your Aadhaar card or PAN card information.
Friends, it has become very easy to avail a loan of up to ₹ 100000 through apps using Aadhar card. For this, you have got many options through which you can get money if you need it immediately.
However, it is important for us to keep these things in mind because the loans in these are usually very expensive and we get the loan for a short time, so keeping in mind our financial situation, we have to choose a loan in this way.
Friends, you should repay the loan reimbursement responsibly so that your current situation can be made stronger and you should use the loan facility wisely.