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Een lening aanvragen is over het algemeen zo geregeld, maar welke zaken moet je regelen in India of Amerika?

Men kan op elk moment een lening zonder BKR aanvragen in afwachting van een snelle, probleemloze en ongedekte financiering voor welk doel dan ook. Het verificatieproces in de woning en op kantoor gebeurt fysiek binnen 2/3 dagen na indiening van alle vereiste documenten. Er wordt een gelijktijdige kredietcontrole uitgevoerd om de krediethistorie van de aanvrager in de toegepaste bank te achterhalen, net als bij andere banken. Als alle controles positief zijn, heeft de kredietfunctionaris normaal gesproken een telefonisch of fysiek gesprek met de aanvrager op zijn kantoor/werkplek.

Als het gesprek positief is, moet de aanvrager een overeenkomst ondertekenen en ook PDC’c (Post Dated Checks) of een autorisatie voor ECS (Electronic Clearing System) overhandigen. De aanvrager krijgt over het algemeen ofwel een direct tegoed op zijn rekening, ofwel ontvangt hij binnen 2/3 werkdagen na de uitvoering van de overeenkomst een Concept. Het gehele proces kan 5/7 werkdagen in beslag nemen.


Particulieren in loondienst en zelfstandigen, vennootschappen voor partnerschap, Pvt. Ltd. en Deemed Ltd. kunnen een aanvraag indienen.

Wat zijn de inkomenscriteria voor werknemers?
Een persoon in loondienst moet een minimum NTH (Net Take Home Salary) van Rs. 20000/- p.m. hebben.

Wat zijn de inkomenscriteria voor zelfstandigen?

Minimuminkomen van Rs. 2. 5 tot Rs. 3 lakh per jaar is de geaccepteerde norm.

Wat is het minimum en maximum leenbedrag?

Het minimum leenbedrag in loondienst is Rs. 50, 000/- en maximaal Rs. 15 lakh. Voor zelfstandigen is het minimum leenbedrag Rs. 1 lakh en maximaal 20 lakh.


Voor werknemers is de minimumleeftijd 21 jaar en maximaal 60 jaar.
Voor zelfstandigen is de minimumleeftijd 25 jaar en maximaal 65 jaar.

Is er geen inkomensbijslag beschikbaar?

Ja, werknemers en zelfstandigen kunnen een aanvraag indienen op basis van een bestaande persoonlijke lening, autolening en woningkrediet, waarvoor minimaal 9/12 EMI’s zijn betaald.


De minimale looptijd van de lening is 1 jaar en maximaal 5 jaar.

  1. Zijn er zekerheden of borgstellingen nodig voor een persoonlijke lening?
  2. Voor een persoonlijke lening is geen zekerheid, hypothecaire zekerheid, borgstelling of hypotheek nodig.

Kan een persoon die op huur verblijft een aanvraag indienen?

Ja, aanvragers die verblijven in een eigen, gehuurde of bedrijfsmatige accommodatie kunnen een aanvraag indienen. In geval van een huur/verhuurde, door het bedrijf verstrekte accommodatie kan een bewijs van een permanent verblijfsadres worden verlangd.

8 Simple Steps on How to Choose Friends Wisely

We as a whole need companions that we can converse with, somebody who we can vent our hardships throughout everyday life. Or on the other hand we very well might need a companion who we can play around with. Finding the correct companion who can live up to your desires can be testing. You need a companion who you share similar qualities a companion who can energize you, praise you in the wake of achieving something, regards you and furthermore a companion who doesn’t exploit you.

By picking the correct companions you will stay away from frustrations, stress or even melancholy.

You should search for a companion who has your wellbeing in their souls. There can be such individuals who appear as though they care about your life however actually they are simply keen on getting something from you for their own egotistical addition and they will do anything without thinking about you, regardless of whether you are agreeable to them.

Before you realize how to pick your companions you have to “study everybody” know their shortcoming and quality, attempt to get them. This will give you a comprehension in picking your companions and furthermore turning into a pioneer.

The Following Are Steps That I use to assist me with choosing the Right Friends.

2.Pick a Friend with the Same Values as You.

Everybody has their own qualities and it is an unquestionable requirement for an individual who is your companion not to conflict with these qualities.

Suppose you are extremely conscious about your assets and you would despise somebody who might treat your assets with no regard. At that point you should search for a companion who has your wellbeing in their souls and not a companion who is happy to please individuals without thinking about your limits. This is an individual who can without much of a stretch sell out you particularly in the event that it is an individual attempting to be cool so the person can fit in another social gathering.

  1. Pick a Friend who energizes you.

A Friend that energizes you is nearly the closest companion. This is an individual who is keen on your life, your objectives and what you need to achieve without controlling you for their own narrow minded increase. A companion who supports you won’t put you in a spot where you are desirous. An individual who makes you jealous and is professing to be your companion doesn’t generally think about you.

There Are Many Different Kinds Of Friends

“Individuals are a major part of your life for an explanation, a season or a lifetime.”

I don’t recall whether I read this on a welcome card, an image for sure however it has truly stayed with me and helped me see to such an extent. For the vast majority of my more youthful life I meandered around asking why companions I thought would be companions forever were no longer there for me. I had this thought in my mind that in the event that somebody was really a companion they would be there forever.

The truth of the matter is there are various degrees of kinships and connections and if individuals were all the more tolerating of this reality they would eventually be a lot more joyful. On the off chance that individuals would be increasingly genuine with each other and all the more unmistakably characterize what their relationship was it would spare a ton of misconception and despair. In the event that individuals would figure out how to proceed onward from a relationship that was over they would be in an ideal situation; realize what there was to gain from it yet proceed onward.

All the individuals that come into your life simply won’t be companions for as long as you can remember and that is OK. Those sort of companionships are uncommon. In the event that you have one individual in your life that is companions with you forever you are really honored. Those kinds of kinships are for the most part between a wedded couple who remain together forever.

Know the estimation of simply being a companion. How can it be that each other gender relationship thinks they must be beau/sweetheart? For what reason wouldn’t we be able to simply have folks that are old buddies and young ladies that are old buddies? Indeed, even a marriage relationship needs to have a solid establishment of fellowship. What is a companion in any case? Indeed, it is an individual you know and with whom you have an obligation of shared fondness. Companionship is elite of sexual or family relations. Despite the fact that your companion ought to be your closest companion, still your kinship ought to have nothing to do with sexual relations. Furthermore, to the extent family, indeed, you may have a companion who is additionally identified with you however and, after its all said and done your fellowship ought not have anything to do with being identified with them. These two clarifications are what I mean by ‘Fellowship is restrictive of sexual or family relations’. Try not to underestimate kinship, both having companions and being an old buddy.

We should take a gander at the various types of fellowships:

• THE SOCIAL FRIEND: This is the sort of companion that a great many people have a large portion of. This sort of companion isn’t somebody who you spend time with constantly or live with however you know them and partner with them at a bar, church, store or some other open spot. Companions you have that have moved far route fall under this classification. They are ideal to converse with when you see them and are generally useful for a snicker. They are bad for imparting an issue to. Now and again you leave wishing you stuck around together more however that simply isn’t this sort of companion. Simply acknowledge your relationship for what it is.


July 2020