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Personal Loan For Self-employed Loan
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Features & Benifits
Features & benefits of personal loan for self-employed
Get personal loans from Rs. 5,000 to Rs. 10,00,000
Get personal loans from Rs. 5,000 to Rs. 10,00,000 and accommodate all your expenses without worrying about the cost.
Flexible tenure
At Housing.com, you get an extended tenure of 3 to 42 months. You can choose the tenure period you are convenient with to repay your loan.
No collateral is required
Unlike other loans, our personal loan is unsecured and doesn’t require you to submit collaterals like property, gold, etc. You just need to submit some documents to get your loan approved.
Get loan approval in minutes
One of the best things about online personal loan applications is that you can get your loan approved in under 3 minutes. Once the loan is approved, your loan amount will be disbursed to your bank account within 24 hours.
Entirely digital process
Transparency is an important aspect of personal loans. Our entirely digital process keeps you updated on the status of your application. You also don’t need to travel between your place and the bank to apply for the loan.
Attractive interest rates
With interest rates as low as 12%, you can save money when you are repaying the loan.
Note: Your interest rate depends on your credit score and other factors. So, maintain a high credit score for lower interest rates.
Eligibility criteria
Understanding whether you fit the eligibility criteria before applying for a personal loan can help you avoid unnecessary hassle and loan rejections. Read the table below to understand the minimum eligibility for the self-employed category.
| Particulars | Eligibility |
| Age limit | 21 to 60 years |
| Minimum monthly income | Minimum Rs. 15,000/- per month |
| Credit score | Minimum 700 |
| Nationality | Indian |
| Note: You should also meet your minimum income requirement as per your city of residence. |
Documents required for self-employed
Self-employed applicants are those who run their own businesses. If you come under this category, you must have the documents below to apply for a personal loan.
| Proof | Document required (any one in each category) |
Photo Identity Proof |
1. Aadhar Card 2. Passport 3. Voter’s ID 4. PAN Card 5. Driving License |
Address Proof |
1. Passport 2. Aadhar Card 3. Ration Card 4. Utility Bill(electricity, telephone, gas, water, etc.) - the bill should be within 2 months 5. Driving License |
Residence Ownership Proof |
1. Property documents 2. Electricity bill 3. Maintenance bill |
Office Address & Ownership Proof |
1. Property documents 2. Electricity bill 3. Maintenance bill |
Business Existence Proof |
1. Company registration license 2. Copy of GST registration 3. Shop establishment proof |
Income proof |
1. Income tax returns of the last 2 years along with computation of income duly attested by a Chartered Accountant 2. Audited balance sheet, profit & loss accounts, with tax audit report (if applicable) 3. Bank statement of current/savings account (or) bank passbook for the past one year |
Photograph |
Colored passport-size photo |
Proof of investment (if any) |
1. Fixed assets 2. Fixed deposit 3. Shares, etc. |
Proof of existing loans (if any) |
Payment track record & sanction letter |
Professional degree certificate |
In the case of professionals |
FAQ's
Personal Loan by Amount Required
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What is the meaning of payday loans?Reviews
I had been saving up for years to buy my dream home, but I fell short on the down payment. Housing.com's personal loan was a lifesaver, providing the extra cash I needed to close the deal and move into my forever home.
Amit S
from Hyderabad
I needed to make some major updates to my rental property. Housing.com's personal loan gave me the funds I needed to make the necessary repairs and increase the value of my property.
Kavita M
from New Delhi
I needed a personal loan to cover unexpected medical expenses, and Housing.com came through with competitive rates and fast approval. I'm so grateful for their support during a tough time.
Vaibhav N
from Gurgaon
My wedding was just around the corner, and I needed some extra cash to cover the expenses. Housing.com gave me the flexibility I needed to make my dream wedding a reality.
Rohit S
from Bangalore
Help & Support
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