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Travel Loan in Delhi
Travel Loan in Delhi
Delhi is the national capital city of India. It is considered to be one of the oldest existing cities in the world. Delhi is a hub for following fields:
- Education
- Entertainment
- Fashion
- Media
- Professional services
- Tourism and transport
Nowadays vacationing is a top priority for a majority of Indians. People frequently want to take breaks from their professional routine. A holiday is what they find very rejuvenating. The older generation saved for months to plan a holiday. But people now do not want to wait to explore the world. They do not wait to save for years. Travel loan is what they find the best solution to their instant holiday moods. If you are also looking for a travel loan in Delhi, then Qbera is the answer. Qbera offers a personal loan to salaried individuals in the age group of 23-57.
What is a Travel Loan?
A travel loan is an unsecured personal loan that helps you finance your travel needs. It can cover the travel costs such as airfares, hotels, and travel accessories and so on. You can pay the loan amount within 6 to 60 months. Many banks and financial institutions provide travel loans at different interest rates. Qbera charges interest rates on par with the current market.
Benefits of Qbera’s Travel Loan
- Unsecured
- Travel loans at Qbera are unsecured. Which means it does not require any legal properties to be submitted against the loan. Hence no need to worry if you don’t have any car or bike to giveaway.
- No limit to end use
- Personal loan can be used for innumerable purposes. It is up to you whether you want to borrow the money for a domestic travel or an international. The end usage of loan money is in your hands.
- Flexible loan tenure
- You can pay the loan amount at your convenience in a flexible loan tenure of 6 to 60 months.
- Minimal documentation
- The process of a personal loan involves the least number of documents. This is the reason they are quickly disbursed.
- Low interest rates
- Qbera provides travel loans in Delhi at a very low interest rate. It ranges between 14-24%.
- Multiple repayment options
- You can easily pay the loan amount through EMIs using Post-dated Cheques (PDCs), ECS or through net-banking.
Eligibility Criteria for Travel Loan/Holiday Loan:
To get a Travel Loan in India, you must be:
- In the age group of 23 – 57.
- Have a net monthly income of Rs. 20,000.
- Be working with a private limited company or a public organization.
- Must not have any defaults in the last 24 months.
Travel Loan Interest Rates & Other Charges:
Qbera’s typical interest rate rests at a minimum range of 14-24%. The processing fee charged by Qbera is as minimal as 2-4% of the principal amount. Other charges such as pre-closure fees and part payment fees is based on RBL norms. The maximum loan amount is ₹10 lacs and minimum is ₹25,000. The loan tenure is of 6 to 60 months.
How to Calculate EMI for Travel Loan in Delhi?
The calculation of EMI for your travel loan is very easy with Qbera’s EMI Calculator. The result obtained is very accurate and error-free. Follow these 4 steps to your EMI in minutes:
- Login to Qbera.com
- Click on ‘Personal Loan EMI Calculator’.
- Now feed the 3 values: loan amount, the rate of interest and loan tenure.
- That’s your EMI!
Note: Put different values for loan amount and loan tenure to get multiple EMIs. And then select the best EMI as per your needs.
1. What is the tenure of a personal loan from Qbera?
The loan tenure at Qbera is a flexible one and it ranges from 1 to 5 years (12 to 60 months).
2. What is an EMI?
It is the fixed amount that a borrower pays to the lender on a particular date every month. An EMI includes the principal and interest charged on a loan.
3. What is the minimum and maximum loan amount that I can get from Qbera?
The loan amount ranges between Rs. 25,000 to Rs. 10 Lacs.
4. What is unique about Qbera?
Our technology and lending partnership allow us to offer a world-class experience to our borrowers:
- Paperless application
- Instant lending decision
- Digital verification of income, employment and residence
- Disbursement of loan within 24-48 hours
Our CIBIL score cut-off is 625 and we can give loans to employees of more than 9 lac companies in India. Now you don’t have to get rejected by banks just because they have not analyzed and categorized your employer.
5. What should be my age to apply for a loan with Qbera?
You must be at least 23 years old to apply for a loan.
6. What should be my minimum salary to get a loan?
Your net monthly income must be Rs. 20,000 or more.
7. What should be my CIBIL score cut-off for a personal loan?
Our CIBIL score cut-off is 625 (V2 score).
8. What is the rate of interest charged on a personal loan?
Rate of interest depends on a borrower’s income, CIBIL score, employer, age etc. Qbera collects information from your application form and various other data sources to create a personalized loan offer for you. Our interest rates start at 11.99%.
9. What is the eligibility criteria to get a loan from Qbera?
To get a loan from Qbera, a borrower should meet the following eligibility criteria:
- Must be a salaried employee.
- Age must be between 23-55 years.
- Net monthly income must be Rs. 20,000 or more.
- No defaults in the last 24 months.
- You must be residing in Delhi/NCR, Bangalore, Pune, Chennai, Mumbai or Hyderabad.
10. How do I apply for a loan online?
To apply for a loan online, click here. For queries, please Whatsapp us on +91 89719 28484.
11. What are the documents required to get a loan from Qbera?
The following documents would be required after your loan is digitally approved:
- Aadhar Card
- PAN Card
- 4 cheques from your salary account
- Current address proof
- Permanent address proof (in case the permanent address is different from the address on Aadhar card)
- Passport size photo
12. What is the processing fee charged on a personal loan by Qbera?
The processing fee ranges between 2% - 4%.
13. How can I repay my loan?
Qbera provides easy repayment of its smart loans through automatic debit of EMIs via NACH mandate.
14. Why was my loan application rejected at Qbera?
Although we have one of the best approval rates in the industry, we may have to reject some applications if they do not meet our basic qualification criteria. You can re-apply after 3 months in case you think that your credit profile has improved.
15. Can I re-apply for a loan?
Qbera requires you to wait for at least 3 months before re-applying for a personal loan.
16. How much time does Qbera take to process a loan application?
It will not take more than 10 minutes to fill up your online application form. Our technology allows us to disburse the approved loan amount within 24-48 hours.
17. Is part/prepayment allowed on my personal loan?
We do not allow part-payments. However, you can prepay your loan after completing 1 year of repayment. (Foreclosure charges: 5% + GST applicable).
18. Do I need to submit any collateral to get a personal loan from Qbera?
All personal loans offered by Qbera are unsecured. Hence, you need not submit any assets or property to secure a loan.
Interest Rate & Other Charges
| Interest Rate
|
11.99% to 35.99%
|
| Processing Fee
|
1% to 5% of total loan amount
|
| Loan Amount
|
₹1,00,000 to ₹15,00,000
|
| Loan Tenure
|
12 to 60 months
|
Pradeep
"I am really happy that I got a loan from Qbera. My application has been rejected by lenders in the past without giving any explanation for rejection. Qbera approved my loan with minimum documents. Thanks a lot once again."
Shekhar
I did not want to make many enquiries as many requests can lower the CIBIL score. I contacted Qbera on a Monday and by evening itself they had an offer for me. They kept me informed through every step of the process and were also flexible with regards to my commitments. In the end, the loan was disbursed within two days of documents submission. Thank you Qbera for simplifying the process and helping me find a loan. " Show more...
Syed
"It was a nice experience with Qbera. I have never seen such an easy process for getting a loan, especially when you need it the most. Thank you Qbera for your support."
Anish
"I had a hassle-free experience with Qbera. It was a very easy application procedure and in a short span of 3 days I got my loan credited to my account. Thank you so much for the support Team Qbera"
Arun
"It was very easy to get a loan from Qbera. I just applied on their website and got a confirmed offer immediately. The amount was transferred soon after. Will give it 5 out of 5"
Bhaskar
"It's good and quick response from the Qbera team to get the loan. They are very good at the communicating the things properly and appropriately"
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QBERA
We are a Bangalore-based company offering digital, quick, hassle-free personal loans to people when they need them.
Loan amounts range from Rs.1,00,000 to Rs.15,00,000. APR ranges from 11.99% to 35.99%. Loan lengths range from 12 to 60 months. Administration fee ranges from 1% to 5%.
* Subject to Risk Profile
Contact our support team via WhatsApp by clicking below:
contact@qbera.com
1800 4198 121
+91 95135 55475
2nd Floor, Featherlite Vista Building,
MV Jayaram Road,
1st Main,
Vasanth Nagar.
Bangalore 560 052