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loan from oriental bank of commerce

LoanMoney's Partner -- Oriental Bank of Commerce

Personal Loan

Oriental Bank of Commerce is a private sector bank in India and was established in Lahore. The bank offers personal loan to the government employees and for the corporate employees to meet personal expenses or expenses like marriage, education and family functions or to purchase consumer durables. The Oriental Bank of Commerce offers attractive rates of interest and flexible personal loan amount with nominal documentation and easy repayments.

The maximum loan amount offered is Rs.5 lakhs and Rs.2 lakhs for the pensioners. Guarantor is required to avail an Oriental Bank of Commerce personal loan. The term to repay the loan for working borrower is 60 EMIs and for pensioners it is 36 EMIs and to be repaid before they turn 70 years of age.

LoanMoney help you to embark on your dream at the right time with Oriental Bank of Commerce Personal Loan opportunities available! Follow a few simple steps to help LoanMoney team understand your requirements.

Oriental Bank of Commerce Personal Loan Features & Benefits in Delhi/NCR
Oriental Bank of Commerce Personal Loan Eligibility & Documentation in Delhi/NCR
Oriental Bank of Commerce Personal Loan Interest Rates and Charges in Delhi/NCR
Oriental Bank of Commerce Personal Loan Frequently Asked Questions (FAQ) in Delhi/NCR

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Home Loan

Oriental Bank of Commerce provides personal loans to corporate employees for various personal reasons like to meet educational expenses, to meet marriage expenses, for buying consumer durables and to meet the expenditures of family functions. Point to be noted here is that the reason of availing personal loan must not be for speculation.

A penal interest of 2% is charged which is over and above the normal lending interest rates on the outstanding amount for the time for which the amount is unpaid.

Oriental Bank of Commerce Home Loan Features & Benefits in Delhi/NCR
Oriental Bank of Commerce Home Loan Frequently Asked Questions (FAQ) in Delhi/NCR

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Loan Against Property

Oriental Bank of Commerce offers two types of Loan Against Property: one is the Oriental Business Scheme and the second one is Oriental Mortgage Loan Scheme. In this section, we will take a closer look at the two types or subcategories of the OBC Loan Against Property.

A financial product in the form of fixed deposits on which financial institutes offer comparatively higher interest rates is a way to save for future. Oriental Bank of Commerce offers additional benefit over these fixed deposits in the form of loan against FD. These loans against FD are offered to account holders to meet personal expenses or business expenditure except for speculative or prohibited purposes.

Oriental Bank of Commerce Loan Against Property Features & Benefits in Delhi/NCR
Oriental Bank of Commerce Loan Against Property Eligibility & Documentation in Delhi/NCR
Oriental Bank of Commerce Loan Against Property Fees and Charges in Delhi/NCR
Oriental Bank of Commerce Loan Against Property Frequently Asked Questions (FAQ) in Delhi/NCR

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Business Loan

Oriental Bank of Commerce Business Loan provide hassle free credit to meet working capital requirements / augment long-term margin /financing of fixed assets related to business activity or for expansion of business to Traders, Micro, Small and Medium Enterprises (Manufacturing and Service),Contractors /Commission agents, and Authorized service centre /Service Sector viz. hotels, guest houses etc.

Oriental Bank of Commerce offer term loan/ overdraft facility for specified purpose against the security of immovable property (i.e. for investment in business, personal expenses etc.).

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Oriental Bank of Commerce MCLR Rate in Delhi/NCR

Marginal Cost of Funds based Lending Rate (MCLR) w.e.f January 03, 2017

Tenor

MCLR ( in % )

Overnight

8.40%

One Month

8.45%

Three Month

8.50%

Six Month

8.55%

One Year

8.60%

About Oriental Bank of Commerce

Oriental Bank of Commerce is an India-based bank established in Lahore (then the city of British India, and currently in Pakistan), is one of the public sector banks in India.

Rai Bahadur Lala Sohan Lal, the first Chairman of the Bank, founded OBC in 1943 in Lahore. Within four years of its coming into existence,OBC had to face Partition. The bank had to close down its branches in the newly formed Pakistan and shift its registered office from Lahore to Amritsar. Lala Karam Chand Thapar, the then Chairman of the Bank, in a unique gesture honoured the commitments made to the depositors from Pakistan and paid every rupee to its departing customers.

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Loan Application

 

It is a type of unsecured loan and helps to meet your current financial needs. You don't need any security/collateral while availing it. Personal Loan is your solution for instant cash and can be used for travelling, wedding, medical emergency, home renovation, or anything else.

 

Home Loan is a Secured loan offered against the security of a house/property which is funded by the banks and NBFCs the property could be a personal property or a commercial one. Home loans consist of an adjustable or fixed interest rate and payment terms.

 

Loan Against Property belongs to the secured loan category where the borrower gives a guarantee by using his property as security. Banks and financial institutions offer this LAP, which can either be a residential/commercial building or a piece of land.

 

A Business Loan is a loan specifically intended for business purposes. As with all loans, it involves the creation of a debt, which will be repaid with added interest. Banks and other financial institutions are there to provide you with suitable lending assistance.

Different Purposes for Personal Loan through LoanMoney

Marriages are made in heaven and its celebration is one of the happiest and memorable events for married couples and their families. Wedding loan is available to people looking to meet their wedding expenses in order to make the wedding a grand success.
Debt consolidation/ Financial Restructuring is a process to streamline one’s financial stability and debt. Thus by consolidating many small debts with one debt, one gets favourable payment off terms and lower burden of EMI.
Home is the place where your story generates. Home Renovation Loans are designed for the purpose of renovating a house and can be taken by a person who owns the property to be renovated.
A Medical Loan is extended by a bank or a financial institution under the category of personal loans. A medical loan can be used for multiple emergency purposes such as an operation, surgery, procedure, therapy or for any concern related to health.
The Education Loanaims at providing financial support from the bank to deserving/ meritorious students for pursuing higher education in India and abroad. Students enrolled in career-oriented courses e.g. medicine, engineering, management etc, can avail this.
Balance transfer is the process where a customer transfers his outstanding principal amount to another bank or financial institute primarily for a better rate of interest and also for better features. Balance transfer reduces your interest rates and finally ensure saving.
Travel loan is a kind of Personal Loan that you can apply while planning a travel. It can help to cover the costs associated with your holiday, such as airfares, accommodation, hotel fares, tour packages, travel gears/accessories, or any other type of expenses associated with your travel.
The Credit Card Payment Loan is designed to allow you to take control of your finances and pay your credit cards off faster. This is made possible by consolidating your high-interest card balances into one monthly payment at a fixed rate and term.

Disclaimer: LoanMoney is not a Loan Providing Organization. We are facilitating the Loan Process from various Banks & NBFC. The rate, eligibility criteria, term & conditions of various banks are subject to change as per bank discretion. We try our best to keep the data up-to-date, but we can't guarantee the accuracy of data provided in this site. LoanMoney help you to embark on your dream at the right time with many Banks/NBFC's Loan opportunities available! Follow a few simple steps to help LoanMoney team understand your requirements.

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