Home Credit Loan Kya hai | Documents | Customer Care | Eligibility

Home Credit Loan Kya hai | Documents | Customer Care | Eligibility

In these times of age, there are certain situations in your life where you need emergency money. This need can be anything like buying the latest phone or going to a dream destination or buying a solid home buyer or other items.

If your urgent need can be met for less than INR 2,40,000, there is nothing better than choosing a Home Credit Personal Loan at an affordable interest rate. Yes, Home Credit India Finance Pvt. Ltd, one of the leading Non-Banking Finance Companies (NBFCs) in the field of consumer lending, offers customized personal loans.

With this page, we will tell you everything about Home Credit Personal Loan so you do not have to worry about choosing this loan.

Home Credit Loan Customer Care Number

Loan documents can be downloaded from my “Credit section” of the Home Credit India mobile app. Please make sure you use the same phone number registered in the Home Credit application mobile app.
If you have any questions, please email us at onlineloan@homecredit.co.in and we will be back within 3 days.
Alternatively, you can call us on 0124-6628811 from 9 a.m. to 6 p.m. – Monday through Sunday, excluding holidays.

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Home Credit Personal Loan Interest Rates

When choosing a personal loan from any lender, the value of the interest rate becomes greater because of its role in determining the repayment pattern. And this is the part where you will find that choosing the interest rate for a personal loan is a great advantage for you. You can check some of the key factors such as interest rate, loan amount, duration, processing fees, and more in the table provided below.

Why Choose Home Credit Personal Loan?

In times of financial crisis, there are a number of important reasons why Home Credit is one of the best options available in the current financial market. Take a look at some of them listed below!

  • Quick, Easy and Quick Approval: If you need up to R2,40,000, Home Credit is the best option you have because of its simple, quick and trouble-free loan approval process. You will receive instant digital approval for your loan application.
  • Very Simple Application Process: If you decide to opt for any type of loan in India, there is a reluctance to complete various complex application forms. That can lead to mistakes, which may delay the process. Don’t worry, as you do not have to deal with anything like that when choosing a Home Credit Personal Loan. You just need to provide basic information about yourself and documents like PAN and proof of address to apply for a personal loan.
  • Instant Loan Disbursement: Once all information provided by you is verified, the loan amount will be credited to your verified account within a day.
  • No Coordinated and Unnecessary Payments: Home Credit India Finance Pvt. Ltd. does not require any kind of collateral or collateral to give you a loan amount. Also, the entire loan process is transparent and has no hidden costs.

EMI Home Loan Calculator

With the help of the Home Credit EMI calculator for Home Credit, you can easily estimate the EMI value. This measure helps you to manage your finances more efficiently. You will also be able to know if EMI is within your ability to pay or not.

To use the EMI calculator, you will need to have a few details. Without this information, this tool will not work. See details below.

  • Loan
  • Interest Rate
  • Time to stay

Once you have entered all this information into the calculator, we will download the EMI amount and interest rate that goes out. To illustrate this further, let us consider an example. For example, one wants to choose to borrow a Credit 2,00,000 Home Credit for a period of 4 years at an interest rate of 25% per annum. What will be the EMI and interest rate?

What is Home Credit Personal Loan Eligibility?

You should now have enough information about personal loans. But there is one thing where all your details will be incomplete. This item is known as one that is not eligible for eligibility. These are actually a set of conditions that the bank imposes on the individual. This includes age, monthly income, type of work, and other limitations. It is important to know about them so that your application will not be rejected.

You can check the eligibility criteria outlined below.

  • Eligible Indian residents can apply for this personal loan
  • Leading, self-employed and pensionable applicants are eligible for this loan
  • The minimum age of the applicant must be 19 years and the maximum allowed age up to 68 years
  • The applicant must have proof of his or her current address, PAN, and bank account with the
  • Internet Banking Facility attached to it.
  • Monthly income should be at least ₹ 10,000

Know about Home Credit Affordability Calculator!

There is this common question among people about the amount of EMI that they can afford keeping in mind the costs they incur. If you have a problem with this question, you don’t even have to worry about it anymore. Why? Because you can with the help of the Home Credit Access Calculator.

To use this, you will only need to enter a few details in the calculator. This information is your monthly income, additional family income (if any), approximate monthly family expenses and any other financial obligations. Based on this information, the calculator will tell you two things like this.

  • Recommended Home Loan Savings
  • Monthly affordable EMI

So, using this calculator, you will have a better idea of ​​the amount of EMI you can afford with the monthly income you receive in your hand and the expenses you incur.

Required Documents for Home Credit Loan

To apply for a Home Credit personal loan, you will need a specific set of documents. It is important to know yourself in advance so that you do not have to deal with any kind of problem later. The list of documents you need is listed below.

  • PAN Card or Form 60
  • Voter ID Issued by the Indian Electoral Commission
  • driving Licence
  • Adhar Card
  • Work Card announced by NREGA
  • The letter was announced by the National Population Register
  • Passport with expiration date and not within three months of the Application

How to Apply for Home Credit Personal Loan?

Now that you know almost everything about Home Credit, you should be curious about how to apply. Well, don’t worry as we will tell you how to apply for a loan. All you need is one smartphone and do what is described in the following directions.

  • Download the Home Loan Application from the App Store.
  • Register the application by filling in details such as your name, age, country, PAN, Aadhar, monthly salary, etc.
  • Select Loan Amount and Local Time According to your repayment ability. After choosing this, you just need to visit one of the KYC Centers around the last one and the required documentation.
  • Once your KYC is completed, the amount will be transferred to your account within a day.

After you get the loan amount, you will also get several amazing offers. You can speak directly to customer representatives to get any of your loan queries resolved.

Home Credit Personal Loan EMI Payment Methods

We want to tell you that there are more than one ways you can pay for EMI. Take a look at all the ways you can make an EMI payment below.

  • Through the Home Credit Website

When you visit the official Home Credit website, you will see a ‘PAY EMI’ button above it. Once you click on it, you will need to enter the required loan details and monthly installment. Select the payment method you want to use.

  • Pay with Home Credit Mobile Application

In addition to the website, you can also make EMI payments with the Android Home Credit app.

  • Funding at Authorized Branches

If you do not want to choose any of the online methods and instead rely on the usual offline payment method, you can choose the investment method. You just have to visit the branches of any Home Credit accredited channel partners such as Axis Bank and ICICI Bank. You just have to fill out the loan details on the deposit slip, and with this slip, you will be able to deposit cash to make EMI payments.

  • Pay EMI via Net Banking

In addition to all of the methods listed above, you can also pay for your EMI by direct bank transfer using any NEFT or RTGS.

How Can You Contact Customer Home Loan Care?

If at any time, you encounter any question or question about your personal loan, you have the option of contacting Home Credit loan customer care in a different way. These methods are Online Form, Phone and Email.

With an online form, you can get your questions resolved or offer suggestions about any services. You should go to the official Home Credit website and there you will have the opportunity to complete an application form.

Apart from this, you can call + 91-124-662-8888 to contact customer care managers who are available from Monday to Sunday from 9pm to 6pm. You must state your loan account number or your registered mobile number in order to register your complaint or query. Representatives will hear your problems patiently and resolve the same as soon as possible.

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