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Date : May 6, 2009

Question

Hi Sir, iam working in IBM Hyderabad, i am getting a salary of 14000 PM, and i worked in chennai for 18months, i need a loan amount of RS 1,50,000 which is very urgent to me, i got many calls from many agencies and even i have given all the required documents but still end of the day they says that "sorry sir we are not able to provide you the LOAN", I feel bad about our government and as well as the banking sectors that even i am a regular employee earning the salary of 14 K Per month but still iam not getting the Loan when it is required, but when they come to us to take the account in particular bank, they says all the unnecessary words, but when we go for help no one comes forward, i dont know why iam not getting the Personal loan when it is very urgent to me.,could you please let me know how can i get the personal loan.

Answer

You can ask for your credit report from the bank that rejects your personal loan application. The report will outline what exactly is reported by the bank in respect to your credit account and enable you to take action. It will necessarily disclose the facts regarding your credit history, like delayed payments in the past, dues settled without write-offs on the part of the bank.

 

 

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