Top 5 Reasons for Loan Rejection in India and How to Fix Them | Loansathi.in
Top 5 Reasons for Loan Rejection in India and How to Fix Them | Loansathi.in
Website: Loansathi.in
WhatsApp: 9403893123
Instagram: @Loansathi.in
Introduction
India mein loan apply karna easy hai, lekin loan approval paana utna hi tough. Bahut logon ka loan reject ho jata hai sirf isliye kyunki unhone basic requirements clear nahi ki hoti. Aayiye dekhte hain Top 5 common reasons for loan rejection aur unhe avoid karne ke tarike.
1. Salary Kam Hona
Bank aur NBFCs minimum income criteria rakhte hain. Agar applicant ki salary unse kam hai, toh loan reject ho jata hai. Aksar minimum ₹15,000–₹25,000 monthly income required hoti hai.
Solution: Low salary wale applicants Loansathi.in ke through NBFCs aur private lenders ka option explore kar sakte hain jahan eligibility flexible hoti hai.
2. CIBIL Score Low Hona
Credit score loan approval ka sabse bada factor hai. Agar CIBIL score 650 se kam hai, toh banks applicant ko high-risk category mein daal dete hain. Ideal score 700+ hota hai.
Solution: Purane dues clear karein, EMI time par bharna shuru karein aur ek–do mahine baad dobara apply karein. Loansathi.in aapka profile sahi lender ke sath match karta hai.
3. Documents Incomplete Ya Invalid
KYC aur financial documents agar incomplete ya outdated ho toh loan turant reject ho jata hai. Jaise PAN mismatch, Aadhaar update na hona, ITR missing, ya address proof outdated.
Solution: Loansathi.in ek proper document checklist provide karta hai jisse applicant ki file complete hoti hai aur rejection ka risk kam ho jata hai.
4. Property Issues
Home loan ya loan against property mein sabse badi dikkat aati hai property papers mein. Agar title clear nahi hai, registry incomplete hai ya legal dispute hai toh loan reject ho jata hai.
Solution: Property ke documents pehle hi verify kara lo. Loansathi.in ke experts aapki property file ko suitable lenders ke sath connect karte hain.
5. Multiple Active Loans
Agar applicant ke upar already multiple EMIs chal rahi hain, toh bank repayment capacity ko weak maanti hai. Is wajah se naya loan reject kar diya jata hai.
Solution: Debt consolidation loan ek achha option hai jahan ek single EMI se multiple loans close kiye ja sakte hain. Loansathi.in aapko yeh service bhi provide karta hai.
Loansathi.in Ka Role
Loansathi.in ek loan marketplace hai jo aapko 150+ Banks, NBFCs aur private lenders se connect karta hai. Yahan ek application ke saath aapko multiple options milte hain aur rejection ka risk kaafi kam ho jata hai.
- ✔ Identify rejection reason
- ✔ Suggest suitable lenders
- ✔ Document verification support
- ✔ Private funding option for rejected profiles
Conclusion
Salary kam, CIBIL low, incomplete documents, property issues aur multiple loans — yeh paanch sabse common reasons hain loan rejection ke. Lekin Loansathi.in ke experts aapko right guidance dete hain jisse aapka loan approval chances double ho jata hai.
Contact Loansathi.in:
â–ª Website: Loansathi.in
â–ª WhatsApp: 9403893123
â–ª Instagram: @Loansathi.in