Sep
12
Does my income tax return proof, help me in getting personal loan when Bank creates problem in giving it?
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I have given good amount of Income tax in India last year and recently I changed my Job and joined one US based company which is not listed in India and now bank says as this company is not listed so they can not give loan even though my salary and incentives are good here. I work in India and pays good taxes every year so can not this Tax Return document guarantee for me as i have been regular for many years, Is there any bank which can entertain such genuine case, Pls. suggest? (I live and work in India only)
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4 Comments
September 12th, 2009 at 1:56 pm
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September 15th, 2009 at 1:04 am
In the US it is never necessary to give money up front for a personal loan. (I did see a $519 app fee on a mortgage loan.)
I don’t know about India. Perhaps some one there could advise on normal fees for personal loan applications there.
Beware of loan scammers.
September 17th, 2009 at 10:44 pm
Banks are having their own rules. Specially Govt. Banks like SBI etc. They do not trust customers. Try private banks like ICICI & HDFC etc.,
September 18th, 2009 at 9:33 pm
If your current employer gives a undertaking to credit your salary and incentives in the bank account of this particular bank..and you obtain a third party guarantee then there is no problem.