एजुकेशन लोन लेना हुआ आसान | HDFC Credila Education Loan | Education loan for students |
Hello Everyone
Kindly subscribe my channel
If you have any query then you can send me an email
sharmashewata7@gmail.com
In this video I have explained how to get education loan from hdfc credila education loan. Hdfc credila is 100% subsidiary company of hfdc limited corporated in February 2006 and registered as a non deposit taking NBFC with RBI.
HDFC Credila Loan up-to 40 lacs without collateral.
interest rate is not fixed it varies from 10.5% to up-to 14%
totally depend on your profile like your source of income / income tax return / Cibil score.
Mostly students get education loan on 10.75% to 11.75% rate of interest.
Apart from that they also charge processing fees varies from 1% to 1.5%.
They finance 100% of loan amount including your one year tuition fees +GIC + other expenses or travel expenses and they don't require your margin money.
Repayment -
They charge partial instalments till 2-3 years after completion your course you will get 6 months after that EMI starts.
that is something you keep in mind while taking the loan from hdfc credila education.
Documents Required for Loan:
1. HDFC Application from + 2-2 photographs
2. All KYC - Main applicant + Co-applicant
adhar cards / pan cards
student passport
3. Student Academics -
10th, 12th, bachelor's or master degree mark sheets
4. PTE or IELTS score
5. University or college Admissions /offer letter
6. Financial docs-
latest 3 months salary slips
last 6 months bank statements
Fixed deposit
ITR with computation
Form 16
Thanks for watching my video kindly subscribe my channel for more updates.
#Educationloan
#educationloanforstudents
#hdfccredilaeducationloan #easyeducationloan #educationloanforstudyincanada #hdfccredilaloan #howtogeteducationloan #loanlenahuaeasy #
Пікірлер: 278
Very informative...Thanks Shweta Ma'am 😊
I appreciate your hardwork... Subscribed ur channel for further updates..🥰🥰
Amazing video packed with so much details must watch 😇
@canadadiyangallan
Жыл бұрын
Thanks God bless u 🙏
Processing fee and insurance fee loan amount se deduct Hoga ya alag se payment karna hoga please give me answer
Direct full amount beneficiary account me credit ho jata hai ya gradually. Full information dijiye. Please
Thanx for this information mam😊😊 your videos is very helpful for students 🙏🙏🙏🙏
Mam isme repayment ek sath kr skte hain after studies ...like study k ek ya do saal baad agar loan close krna hai toh ...usme kya condition hogi..
Hi Shweta, i want to know the maximum age limit for applying collateral free loan. Plz reply fast.
Very nice information Maa’m thank you i will aappy student loan for my son in hdfc Credila
Very nice and informative...
Your lecture on loan and reality facing documents totally different.
@surajgupta1993
Жыл бұрын
Yes they demand collateral
@canadadiyangallan
Жыл бұрын
If a student is 12th then collateral is must if a student is graduate then without collateral he can get education loan depending on the profile.
Mam month ke payment keteny chaye aur bank balance ketena chaye thik
Thankyou for sharing this information
can i get eductional loan for diploma from HDFC credila
Mam kya hdfc bank selected colleges pai hi loan clr krta ha
If I want to repay full loan at once. Should I have to pay all interest of 10 years or I have to pay interest of 3 to 4 years of my studies.
Mam hamare parents ka occupation farming hai ,kya hme mil skta hai loan ,jameen hamari nhi hai ,please reply mam
Mam agar coaching ke liye loan lena chahte hain to admition latter kaha se layenge. 2.50-3 lakh coaching ka aur sab kharch milakar 5 lakh. Kya loan mil jayega. Pls reply...🙏🙏🙏
Madam mere father farmer hai or wo i t r nahi bharte kabhi jarurat hoti hai toh ham income proof or sapath patar lagate hai to kya loan me manay nahi hai
Mam mera graduation distance se h kya main education loan lekr uk master kar sakta hu
Mam what is the minimum credit score required for education loan?
Mam if i am not working rn , and my parents are not working job that can give a sallery slip , my parents are farmer so would i be eligible for the loan.
mam mera cibil score 568 ha kya mera hdfc se education loan milega ke nhi aur nhi milega to altarnative kya ha me chandighar universty me admission lene sahatahu..
Mam mujhe hdfc credila ka dsa code laina hai how and where I can apply
Can i get a loan of 20 lakhs for doing Undergraduate diploma in Canada after 12 . My father is self-employed just doing contract jobs and real estate and his income is less than one lakh and he is my Coapplicant and using his property ( house) which is in an village. Plz reply..
Mam agar village Mai house ho to v loan mil Sakta hai
tnx for this worthy info mam😍
@canadadiyangallan
2 жыл бұрын
Thanks 😊
Vv thx mam good imformation😘
@canadadiyangallan
2 жыл бұрын
Thanks dear
Mam mere father itr to nahi bharte to Kay muje education loan mil sakta hai kya
Thank you very much
Mam yee online bhii mil jaygaa??
Mam mom ko co applicant rakh skte hai itr fill krte hai business ki but business close hai market down ki vjhe se dad ka cibil nhi shi baaki collateral bhi ho jaye to bhi bta do agar ho jaye to
@canadadiyangallan
2 жыл бұрын
Dekhiye ek ki fixed income hona bht jaruri hai.. Kynki bank loan dega vo bhi ye dekhte h ki kal ko loan repayment kr skte h ya nhi.. Loan kitna chahie ye depend krta h profile pe. Ap bank visit kr aao
Your Vedio is very clear thanks maam, if co.applicant have 2 years i.t. returns is sufficient or not For unsecured loan canad.
@canadadiyangallan
Жыл бұрын
Yes 2 years ITR is good ..no problem at all
mam loan application number sanctioned hone k baad next step kya hoga ?? kya uske baad koi originations fee pay krni hoti hain disbursement ke liye ??? please tell me
@RahulSingh-qu9um
Жыл бұрын
Loan Lene Ke Liye Call Karen Loan Mil Jayegi ,,
Mam nice video 👍
Meri salary slip nhi hai please koi other options hai
Mam mena suna ha ki agar hm private institute se loan leta ha jesa 15 lakh loan leta ha to hme 30 lakh loan return krna hoga ...or hm ikhte repayment nhi kr sakta...
Thank you so much ma'am...all my doubts are clear now.... waheguru ji bless you🙏😊
@canadadiyangallan
2 жыл бұрын
Thanks dear. God bless to u too ..good luck 😊
What about the all negative ratings on Quora and other platforms..???
@canadadiyangallan
2 жыл бұрын
Hi swati.. Actually mere known me 3 students ne Loan lia h hdfc bank se..my sister also took loan from hdfc credilla.. So don't worry.. If you want to take loan kisi private bank me problem face kr re ho then only I recommend this bank.. Otherwise it's totally up-to you jaruri nhi ki har kisi ka Loan hojae thats totally depend on your profile.. Thanks
Mam mai to majduri karta hu kya mujay lone mil sakta hai mera beta diploma me liye Jana chata hai
ITR ZERO KA CHALEGA KYA
I need 10 lakh education loan but I don't have collateral for this can any bank will give me this
Mam mai abroad me MBBS karna chahta hu HDFC se lone mil sakta hai??
mam sade bache nu ovaroll 7 band aeaa asi i t r nai barde sanu loan milega
@mahindrafinance5132
2 жыл бұрын
Loan Lene Ke Liye Call Karen,
Mam my father is farmer so can I take loan for Indian study
Mam I've applied Loan in HDFC credila last month but till now my loan didn't get approved ,every single time they ask more documents and in between my last date of fees payment has already passed now what should I do
@ametoj.cgamerz5783
2 жыл бұрын
Same problem muje v face ho rhi hai
@tjassar
Жыл бұрын
Have you applied directly? Or via wemakescholers or gyan dhan?
@ravikantverma6693
Жыл бұрын
@@tjassar is there any difference
@tjassar
Жыл бұрын
@@ravikantverma6693 via them there is less hustle
@Bulldozerwala
Жыл бұрын
@@tjassar how I can contact them? Can you explain bro ?
Hello Sweta mam co applicant ka itr or sellery slip base per lone 900000 ka ho jayega ager graduation key bad Canada diploma key liye apply kerna please mam suggest me
@RahulSingh-qu9um
Жыл бұрын
Loan Lene Ke Liye Call Karen..,
Ku aap favour kar rahi ho hdfc vedika ka
Best information for me thanks
@canadadiyangallan
2 жыл бұрын
Good luck thanks 👍
Madam g meri salary Rs20000 , meri property nhi hai,meri wife's brother pnb bank clerk hai, isne home loan le rakha,, mera koi loan nhi chal rha, g mada mera loan ho sakta hai, kya aap paper work help karwa sakte ho g, thanks🙏
Suppose I have a loan requirement of 8 Lakhs/year for 4.5 yrs then how loan amount ( i.e. 36 Lakhs) can be sanctioned & if I want to give interest from day 1 then how interest can be calculated?
@RahulSingh-qu9um
Жыл бұрын
Loan Lene Ke Liye Call Karen.,
@shahzaib880
Жыл бұрын
Did you got the loan brother?
Mam ye lone safe hai nhi jese hm apne documents shere krte hai to koi miss use to nhi ho ga na pls mam reply krna
@canadadiyangallan
2 жыл бұрын
Hi dear.. Nhi ap konsa apne original documents submit krva rhe ho. Hdfc bank also a reputed bank. Ap bank visit kro then u will get to know.. Don't worry.. Mere khud K cousin and friend ne loan lia hua h hdfc se.
Valuable information thanks Madam collateral education loan 15 lac chahiye tu kaise milsakta direct hamare account me paise milte kya property meri hai .
@canadadiyangallan
2 жыл бұрын
Hi.. Hope u r doing well.. Hnji loan mil jaega with collateral.. Loan repayment K liye apki profile achi honi chahie.. Apki salary slips. Bank statements Last 2-3 years ITR etc
Hdfc credila k liye hdfc bank jana padega , mam
Papa ka cibil kam hai kiya aise Mai loan ho sakta hai
Hlo dear apne loan liya h nbfc se khabi iska interest rate yearly wise up hota raheta j
@RahulSingh-qu9um
Жыл бұрын
Loan Lene Ke Liye Call Karen Loan Mil Jayegi ,, x
Mam there is no office near my city so how can i contact them?
@RahulSingh-qu9um
Жыл бұрын
Loan Lene Ke Liye Call Karen Loan Mil Jayegi ,,
मैडम, किसी भी बांच में आवेदन कर सकते हैं क्या
Hello mam the age of my father is 56 he is a farmer itr fill krte hai age matter krti hai mam
@rahul6581
2 жыл бұрын
Loan Lene Ke Liye Call Karen,.
Do the student need to open an account in HDFC bank first
@canadadiyangallan
2 жыл бұрын
Yes.. If student wants to take the loan from hdfc then banker will open student's account automatically at the time of loan..
Madam agar salary slip na ho salary cash ho to loan nahi dega hdfc
Mam, can a co applicant be a NRI? Student is Indian resident but father is NRI
@canadadiyangallan
Жыл бұрын
Yes student can get education loan if his/her co applicant is NRI..
Hello ma, any concession to women applicants on HDFC credila edu loan?
@mahima9804
Жыл бұрын
on ROI
Mam hamari shop ha to mera finical paper kon se laga ga
@chhinabegamsohni6293
2 жыл бұрын
Apna business msme pr registerd krwaye c a k through aur itr bhi file kre usk base pe
किसान सॅलरी स्लिप और ITR कहा से लायेंगे उनके लिए क्या ऑपशन हैं मॅडम
Mam, what will be the EMI for 20 lacs loan once I complete my course.
@mahindrafinance5132
2 жыл бұрын
Loan Lene Ke Liye Call Karen,
@TarunPandey-ys8rh
4 ай бұрын
@@mahindrafinance5132hello bro. Kaise kren? Phone number?
Thanks 👍😌
Meri beti ka uk university Belfast se offer letter aa chuka hai,mai govt employee hun ,property hai nhi rakhne ko ,40 lakh loan ki jarurat hai,pg course medical science ka offer letter hai
@patna1724
2 жыл бұрын
Emi Pe Loan Le,.
Mam HDFC Credila loan sanction ho jata hai to loan mil jata hai
Maine HDFC credila mien pta kiya but wo bhi bina clolletral ke loan nhi de rahe 😕
@canadadiyangallan
2 жыл бұрын
Hi priya.. Mene video me explain Kia hua h ki without collateral tbhi loan milta hai agr profile strong ho.. Like salary bht achi h other source of income h agr ya business h Income tax return h 3 saal ki 6 Months bank statements saving account details Salary slips Fixed deposit any liquid cash in account .. Otherwise without collateral tough hojata h.. Apko property K docs submit krne pdte hai
Hello mam Man Mujhe apne bete ki education ke liye loan chahie. Hamen apni Kitni income Bank walo ko show karni hogi
@canadadiyangallan
2 жыл бұрын
Hello .. Mam depend karta h apke bete ki education k liye loan kitna chahie.. Apki profile thik honi chahie. Minimum 25k ya 25+ ho salary Baki maximum to kitni bhi ho
माम मेरी लाडकीको अंडर पोस्ट ग्र्यजुएट 4 साल का कोर्स मैनेजमेंट कोटा से मिला है,तो मुझे HDFC बैंक से लोन एजुकेशन लोन मिलता है क्या.कृपया जाणकारी दे🙏
@canadadiyangallan
2 жыл бұрын
Hello mam.. Loan totally apki profile pe depend karta h Salary kitni h Other source of income kya h Loan kitna chahie Ap income tax fill karte Ho ya ni Salary slips Bank statements Residence proof Tb uske according hi loan milta h.. Ek baar ap hdfc bank ja aao U can mail me your details sharmashewata7@gmail.com
Thanksmam
Kya account kisi or bank ka ho to HDFC bank loan provid krti hai kya
@canadadiyangallan
2 жыл бұрын
Hi prachi. Agr apko loan hdfc se lena h then hdfc me vaise bhi apka account open hoga..
@Prachi_pawar
2 жыл бұрын
@@canadadiyangallan nahi hai agr lena hoga to open krna pdega ??
@canadadiyangallan
2 жыл бұрын
@@Prachi_pawar yes
Mam, jitna easily apne explain Kiya na ,, agar utna hi easy loan approval process hota na to ,, bahut se middle class family ke meritorious students ki kismat hi badal jati
@canadadiyangallan
Жыл бұрын
Yes that's true but banks ke bhi apne policies hoti h sb profile pe depend krta hai .. And yes banks ko student loan bht easy krna chahie taki kisi bche ko problem na aae vo study kr ske.
@shubhammaddhesiya4100
Жыл бұрын
@@canadadiyangallan mam, kya profile chahiye students ka ,, pahle to jee mains jaise exam ko crack kiya ,, phir ek reputeded college me admission liya,, meritorious students hone ke alwa aur kya chahiye,,, mam ek middle class family ke ladko ke pass itna junnon hota hai na ki wo ache se acha placement le sakte hai,,,,,,, but bank ko to kewal paper chahiye.....
Mam, mujhe 7.5 lacks ka loan sanction krwana hai, nd as a co-applicant mere father saab honge, but hum ITR ni bharte, kyuki private job krte hai dad.toh ITR ke bina loan mil jayega kya? 2. Mujhe canada ke liye loan chahiye, post graduation diploma ke liye. There will be no problem if I go for that study. Please reply mam
@canadadiyangallan
2 жыл бұрын
Hi dear. Dekhiye ITR is must agr apko loan chahie.. Chahe private job Ho ya govt job ho Last 2 years ki to ITR mandatory hai.. Uske sath father ki latest 3 months salary slips, 6 months ki bank statements Identity proof Address proof Ye sb docs lgte hai.. But yes ITR honi jaruri hai .. Agr fir bhi possible nhi ITR to ap ek kaam karo IDFC bank visit kro father K sath vo bina ITR K loan kar deta hai 1 lac se 9 lac tak 3 months ki latest salary slips ho ya OD ya saving accounts h usme liquid cash hai ya FD's hai.. Pls visit kro ek baar IDFC bank me
@deeptiwana5210
2 жыл бұрын
@@canadadiyangallan ok. Thanku mam
@SidhuMoosewala-tt6ew
2 жыл бұрын
@@deeptiwana5210 Did you get ?
@deeptiwana5210
2 жыл бұрын
@@SidhuMoosewala-tt6ew no, I didn't get because there are lots of documents repaired...so
Hdfc credila education loan processing fees kitni h
Very good 😊
Is insurance compulsory when taking loan?
@canadadiyangallan
2 жыл бұрын
Hi dear. If u take loan without collateral u must purchase an education loan insurance.. This is compulsory for those who want to take education loan without property ( collateral).
Thanks mam
hlo ma'am i don't have colletral my coapplicant is my dad who already have housing loan. as per u it is possible to get education loan for master's in australia ❓
@canadadiyangallan
2 жыл бұрын
Yes it is possible to get loan for further studies. Your father is your co applicant then That's totally depend on his profile Father income ( depend krega kitna loan milega..) Last 3 years ITR with computation Last 6 months bank statements 3 months salary slips Ap bank visit Kro.
@bilasarora
2 жыл бұрын
@@canadadiyangallan ok thnx alot
@bilasarora
2 жыл бұрын
one more thing i need to know an education loan cover 1 year tution fees or whole course tuition fees + living expenses ❓
@bramniyasonia1411
Жыл бұрын
Hey sir my case is same as yours.....can you please tell if u get any loan or not .
without ITR CAN i apply for education loan?
@mahindrafinance5132
2 жыл бұрын
Loan Lene Ke Liye Call Karen,.,
Agar 3 saal ke liye education loan chahiye to kya ek saath pura 3saal ka loan de denge ya every year Bank se College Ko rupiya bheja jaega
@RahulSingh-qu9um
Жыл бұрын
Loan Lene Ke Liye Call Karen Loan Mil Jayegi ,,
Yes sir kahne ka baat hai nothing else koi loan nahi hoga
@mahindrafinance5132
2 жыл бұрын
Loan Lene Ke Liye Call Karen,
Thx bhabhi jn❤🥰
Mere father ki annual income 4.8lakh hai. Me 12th kiya hu. Ug diploma karna hai canada me. 20lakh ke loan ke eligible hu? Me plz reply mam
@msmehelpline2521
Жыл бұрын
Loan Lene Ke Liye Call Karen Loan Mil Jayegi,.,
Quora says different things about hdfc !!.
@canadadiyangallan
2 жыл бұрын
It's better to visit hdfc loan branch and discuss them about your profile.
Hum ne 15 din before is bank se aply kiya hai chandigarh branch se koi reply nhi kiya unhone hume aurgent tha ap Kuch bta sakti ho😊
@canadadiyangallan
Жыл бұрын
Hanji kya puchna h apne ..btao query kya h apki
Muje greajvation k liyr lone chyea 40 s 50 hjar tk ka kya muje mil jyega kya mam please tell me muje bhut jrorat h
@rahul6581
2 жыл бұрын
Loan Lene Ke Liye Call Karen,.
Can i apply for Study abroad
@canadadiyangallan
2 жыл бұрын
Yes you can apply ..
Hello , my cousin brother can be my co-aplicant? For non collateral study loan
@canadadiyangallan
2 жыл бұрын
Yes anyone can be ur Co applicant if he/she is working. His profile should be good like good income ITR last 2-3 years (income tax returns) must Banks statements Salary slips
My son wants to go to Canada for education and required education loan of Rs.30 lacs I am retired person and can I be a co applicant? If so I have mortgage my property like House etcPlease reply to my queries thanks and regards
@canadadiyangallan
2 жыл бұрын
Yes. If you are a govt retired person you can take loan for your son. Your son will be the main applicant you will be the CO applicant in his case. Means you are sponsoring your son during his studies. You can take 30 Lacs loan with collateral. Go ahead.. Your son documents.. Adhar Pan card Passport College / university offer letter Photographs 10th, 12th if graduation then all mark sheets Your docs Pan card Adhar card 6 months bank statements 3 months pension slips Balance certificate any fixed deposit Last 3 years ITR with computation PPO certificate Property docs And when u will go in bank they will explain u each docs in detail.
Mam,EMI job Milne ke bad se pay kr skti hu kya?
@Asultana786
Жыл бұрын
No
Very precious information. Thanx. But to whom we contact no address and no ph no.
Mm muje mil jahega kya m 2 year me hu and m ssc ki tyari ke liye एकेडमी में जाना चाहती हु 1 year ke liye mm pse nhi h mm bhaut tangi h help mm muje mil jahega kya tell me
@canadadiyangallan
Жыл бұрын
Hi Mene already video me details provide ki hue h ki profile pe depend krta h loan amount. Like apki income Ya koi business Job private ya govt Income tax returns Salary slips Bank statements Address proof Tb ap eligible hote ho loan without collateral bhi mil jata hai.. It's better ki ap ek baar hdfc credila loan branch me visit kro
Can I apply an education loan for Germany
@RahulSingh-qu9um
Жыл бұрын
Loan Lene Ke Liye Call Karen Loan Mil Jayegi ,
Maine apne bete ke liye loan apply kiya tha per aaj tak koi reply nahi aaya
@canadadiyangallan
2 жыл бұрын
Hi dear. Apne kis bank me loan apply kia tha.. Loan process start kia tha ya sirf consult hi kia tha
मॅडम loan amount सारी एक बार मे मिळती है क्या हमको क्या college के पास tarnsfer होती है
@mahindrafinancepvt8147
2 жыл бұрын
Emi Pe Loan Le 85/37/83/62/39...
Ma'am isme Jo bhi intrest rate hoga uska full amount monthly bank ko dena hoga beginning se hi ya fr usme bhi kuchh time le skte hain Please reply
@canadadiyangallan
Жыл бұрын
Nhi full interest jb apki studies complete ho jaegi tb se hoga . Starting me kuch amount hoti h jo har month deduct hoti h Jaise 4-5k
@youtuberockers5152
Жыл бұрын
@@canadadiyangallan thanks ma'am for kind information
@youtuberockers5152
Жыл бұрын
@canadadiyangallan Ma'am itr to father fill krte nhi hn mere agriculturist hn kya mujhe hdfc credilla loan provide krega without collateral
Mujhe 40 to 45 lac ki requirements h mam, MBBS. Private college se course kr rahe h , ye possible h kya without colletral
@canadadiyangallan
2 жыл бұрын
Hi..40-45 lac amount without collateral not possible in govt banks.. And har ek private banks me bhi nhi.. If I talk about hdfc credila education loan then kuch exceptional case me up to 40 lac ho jata h loan but that's totally depend on your profile.. Apke family me annual income kya h ..ITR fill karte ho ya nhi because last 3 saal ki ITR must.. Bank statements, salary slips, any commerical property or residence property .. So it's better go to hdfc loan branch and apni profile btao unse discuss kro.. They will guide you each and everything in detail..
@subhashshrivastava9299
2 жыл бұрын
Mujhe under 40 v chal jayega mam, 35 to 40 tk v chalega, mrs govt job me hai, form 16 IT return v mil jayega, mrs ki gross salary 84 thousand k around h, property k liye 3000 sqft divrtd open residential land hai, can i deserve to gat that amt as education loan
@canadadiyangallan
2 жыл бұрын
@@subhashshrivastava9299 yes you can easily get that amount of loan. No problem. Visit the branch and start your process for Loan.
@subhashshrivastava9299
2 жыл бұрын
But mam aapne jo colletral free loan ki information di hai wo credila k aur kisi vdo me nahi h, without colletral only 7.50 lac batate h then wht to do, please suggest us, thanking you
@canadadiyangallan
2 жыл бұрын
@@subhashshrivastava9299 that's not a problem you can get Loan collateral in hdfc credila. Pls visit branch then you will get to know that's true.