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Personal Loan Interview Questions & Answers

Below we have listed all the Personal Loan Interview Questions and answers. Feel free to comment on any Personal Loan Interview Questions or answer by the comment feature available on the page.

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Personal Loan Interview Questions & Answers

Unsecured loans (called signature loans) are advanced on the basis of the borrower's credit-history and ability to repay the loan from personal income. Repayment is usually through fixed amount installments over a fixed term. Also called consumer loan. Personal loan, a loan to meet your current financial needs, is also referred to as an unsecured loan as there is no security against it. It is usually taken by borrowers who are looking for quick and easy loans with manageable interest rate and minimum documentation.

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I work in the mining industry and my bank has rejected my personal loan on the grounds that my job is risky. Can they do such a thing or are they discriminating?
0.3 Rating
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I need a personal loan but bank is seeking copy of ITR. As I am just a starter with low salary and non taxable income I have not filed my ITR. What can I do?
0.3 Rating
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I have a personal loan default but I am looking to sell of some assets. Will the bank give me some time?
0.3 Rating
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I have heard about a personal loan scheme for senior citizens by SBI. Can you share any details on the same?
0.2 Rating
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Can a personal loan be converted into a secured loan?
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Which is a better idea when it comes to a personal loan, a short tenure or a long one considering a long tenure may mean lower EMI?
0.3 Rating
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I am a railway employee and my monthly income is Rs. 22,000. I need a personal loan of Rs. 4 lakhs and prefer to get it from SBI. Kindly guide me if I am eligible to get one.
0.3 Rating
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Can you tell me the details of the Federal Bank e-loan scheme?
0.2 Rating
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I need a loan of Rs. 5 Lakhs and i am getting a PL offer at 10% flat rate for a 5 year tenure. Is it a good option?
0.3 Rating
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How is the Personal Loan eligibility calculated?
0.3 Rating
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I am having trouble repaying my personal loan. Will talking to my bank help?
0.3 Rating
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I have a pension account with Bank of India. I need funds for some medical emergency. Can I get a personal loan for pensioner?
0.2 Rating
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Who can apply for HDFC Bank 10 second loan? Is it a good idea to opt for a PL using the scheme?
0.2 Rating
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Can I take a personal loan for a home loan down payment?
0.3 Rating
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Are HDFC bank spot loans worth considering?
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I need money for some personal use. I was all about to apply for a PL when a friend advised me to go for a loan against my car as it is cheaper. What do you suggest?
0.2 Rating
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Can I prepay my personal loan? My friends told me there is prepayment penalty involved. Are there any charges applicable for prepaying a PL?
0.2 Rating
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Are instant personal loans available to everyone?
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I have applied for a personal loan with my bank and the terms and conditions are quite detailed. Should i consider it as a formality since i have no plans to default?
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Latest 20 Questions
Payment of time- barred debt is: (a) Valid (b) Void (c) Illegal (d) Voidable
Consideration is defined in the Indian Contract Act,1872 in: (a) Section 2(f) (b) Section 2(e) (c) Section 2(g) (d) Section 2(d)
Which of the following is not an exception to the rule, "No consideration, No contract": (a) Natural love and affection (b) Compensation for involuntary services (c) Completed gift (d) Agency
Consideration must move at the desire of: (a) The promisor (b) The promisee (c) The promisor or any other party (d) Both the promisor and the promisee
An offer which is open for acceptance over a period of time is: (a) Cross Offer (b) Counter Offer (c) Standing Offer (d) Implied Offer
Specific offer can be communicated to__________ (a) All the parties of contract (b) General public in universe (c) Specific person (d) None of the above
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A advertises to sell his old car by advertising in a newspaper. This offer is caleed: (a) General Offer (b) Special Offer (c) Continuing Offer (d) None of the above
In case a counter offer is made, the original offer stands: (a) Rejected (b) Accepted automatically (c) Accepted subject to certain modifications and variations (d) None of the above
In case of unenforceable contract having some technical defect, parties (a) Can sue upon it (b) Cannot sue upon it (c) Should consider it to be illegal (d) None of the above
If entire specified goods is perished before entering into contract of sale, the contract is (a) Valid (b) Void (c) Voidable (d) Cancelled
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A offers B to supply books @ Rs 100 each but B accepts the same with condition of 10% discount. This is a case of (a) Counter Offer (b) Cross Offer (c) Specific Offer (d) General Offer
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