Common Reasons for Loan Rejection in India and How to Avoid Them | Loansathi.in

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Loan Rejection Kitna Common Hai?

India mein har saal hazaron logon ka loan reject ho jata hai. Chahe aap personal loan apply karein, home loan, business loan ya loan against property – approval ke liye strict rules hote hain.

Aksar log samajhte hain ki loan reject ho gaya matlab ab chance hi nahi hai. Lekin sach yeh hai ki sahi reason samajhne aur correct step lene se loan easily approve ho sakta hai.

Top 5 Reasons for Loan Rejection in India

1. Salary Kam Hona

Sabse common wajah yeh hai ki applicant ki salary ya monthly income bank ke minimum requirement se kam hoti hai. Har bank ka ek standard hota hai – jaise minimum ₹15,000–₹25,000 monthly income.

Solution: Salary slip aur bank statement updated rakho. Agar salary kam hai to NBFCs ya private lenders ke option explore karo via Loansathi.in.

2. CIBIL Score Low Hona

Agar aapka credit score 650 se kam hai, to bank aapko high-risk category mein rakhta hai aur loan reject kar deta hai. CIBIL 700+ hona chahiye for smooth approval.

Solution: Purane loans/credit card dues clear karo. EMI timely bharna shuru karo. Apna credit score improve karo before applying again.

3. Documents Incomplete Hona

Bahut cases mein loan reject isliye hota hai kyunki applicant ke paas proper KYC ya financial documents nahi hote. Jaise PAN/Aadhaar mismatch, address proof outdated, ITR missing.

Solution: Sabhi documents updated rakho: Aadhaar, PAN, bank statement, salary slip, ITR, business proof. Loansathi.in aapki document checklist verify karta hai.

4. Multiple Loans Already Hona

Agar applicant ke upar pehle se hi bahut saare loans ya credit card EMIs hain, to bank samajhta hai ki repayment capacity kam ho gayi hai. Is wajah se naya loan reject ho jata hai.

Solution: Existing loans consolidate karo aur EMI-to-income ratio 40% se kam rakho. Debt consolidation loans ka option bhi Loansathi.in par available hai.

5. Property Papers Issue

Loan against property ya home loan mein sabse badi problem hoti hai property ke documents. Agar registry incomplete hai, dispute hai ya legal clear title nahi hai – loan reject ho jata hai.

Solution: Property papers pehle hi verify kara lo. Loansathi.in aapke documents ko sahi lender ke sath match karta hai jahan acceptance chances high hote hain.

Loansathi.in Aapki Madad Kaise Karta Hai?

Loansathi.in ek loan marketplace hai jo 150+ Banks, NBFCs aur private funding partners ke sath connected hai. Yahaan ek application se aapko multiple loan offers milte hain.

• ✔ Loan rejection reasons identify karte hain
• ✔ Aapke profile ke hisaab se best lender choose karte hain
• ✔ Documents complete karne mein help karte hain
• ✔ Private funding options provide karte hain agar banks reject kar dein
• ✔ Approval chances 2x–3x increase hote hain

FAQs on Loan Rejection

1. Agar mera loan reject ho gaya to kya main re-apply kar sakta hoon?

Haan. Lekin pehle rejection ka reason samajhna zaruri hai. Loansathi.in mein experts aapka profile check karke right lender suggest karte hain.

2. Kitne time baad re-apply karna chahiye?

Generally 3–6 months baad re-apply karna safe hai jab tak aap apne issues (CIBIL, documents) improve kar lo.

3. Kya private funding safe hai?

Loansathi.in sirf trusted private lenders ke sath kaam karta hai. Terms clear hote hain aur transparency maintain hoti hai.

Conclusion

Loan reject ho jana end nahi hai. Salary, CIBIL, documents, existing loans aur property papers jaisi problems common hoti hain. Lekin sahi guidance ke saath aapka loan easily approve ho sakta hai. Loansathi.in aapke liye second chance create karta hai with 150+ options.

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