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Personal Loan Interview Questions

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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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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Question
Rating
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Are instant personal loans available to everyone?
0.7 Rating
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How is the Personal Loan eligibility calculated?
0.8 Rating
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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?
0.7 Rating
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Can a personal loan be converted into a secured loan?
0.7 Rating
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Can you tell me the details of the Federal Bank e-loan scheme?
0.6 Rating
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Can I take a personal loan for a home loan down payment?
0.7 Rating
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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?
0.6 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?
0.6 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?
0.6 Rating
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I am having trouble repaying my personal loan. Will talking to my bank help?
0.6 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?
0.5 Rating
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Are HDFC bank spot loans worth considering?
0.5 Rating
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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?
0.6 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?
0.5 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.
0.5 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?
0.5 Rating
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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?
0.5 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?
0.4 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?
0.4 Rating
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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
_________ amounts to rejection of the original offer. (a) Cross offer (b) Special offer (c) Standing offer (d) Counter offer
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
______________ contracts are also caled contracts with executed consideration. (a) Unilateral (b) Completed (c) Bilateral (d) Executory
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
_____________ is a game of chance. (a) Conditional Contract (b) Contingent Contract (c) Wagering Contract (d) Quasi Contract
There is no binding contract in case of _______ as one's offer cannot be constructed as acceptance (a) Cross Offer (b) Standing Offer (c) Counter Offer (d) Special Offer
An offer is made with an intention to have negotiation from other party. This type of offer is: (a) Invitation to offer (b) Valid offer (c) Voidable (d) None of the above
When an offer is made to the world at large, it is ____________ offer. (a) Counter (b) Special (c) General (d) None of the above
Implied contract even if not in writing or express words is perfectly _______________ if all the conditions are satisfied:- (a) Void (b) Voidable (c) Valid (d) Illegal
A specific offer can be accepted by ___________. (a) Any person (b) Any friend to offeror (c) The person to whom it is made (d) Any friend of offeree
An agreement toput a fire on a person's car is a ______: (a) Legal (b) Voidable (c) Valid (d) Illegal
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