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A personal loan for home renovation is a type of loan that can be used specifically for home improvement projects. It is an unsecured loan, meaning you don't need to put up any collateral to secure the loan. This makes it a popular choice for homeowners who may not have enough equity. Furthermore, personal loans often come with fixed interest rates and predictable repayment schedules, which can make budgeting for your house renovation costs easier.
You can also consider a smart personal loan for home improvement which is what FIRSTmoney is all about. With FIRSTmoney, you get a credit limit sanctioned based on your eligibility parameters. Thereafter, you can make multiple withdrawals for different incurring costs/spends from the approved limit and repay over a flexible tenure. Pay interest only on the amount withdrawn which lowers the overall interest outgo too.
So, you can consider FIRSTmoney for your home improvement needs and get a cost-effective financial solution.
* CIBIL Score is a 3-digit numeric summary of your credit history, derived by using details found in the ‘Accounts’ and ‘Enquiries’ sections on your CIBIL Report and ranges from 300 to 900. The closer your score is to 900, the higher are the chances of your loan application getting approved.
Documentation
You need to display your physical PAN card for Video KYC (VKYC) during the online smart personal loan application.
You need to display your physical PAN card for Video KYC (VKYC) during the online smart personal loan application.
FIRSTmoney is available for borrowers with a credit score of 750+. So, check your credit score and ensure your eligibility
All you need is your physical PAN card for VKYC verification. Keep the document handy for completing the application quickly and get the credit limit sanctioned at the earliest.
Apply for FIRSTmoney online by following a few simple steps –
Once the credit limit is sanctioned, make as many withdrawals as you want and get your home renovated.
Embark on your dream adventures with an online personal loan designed exclusively for elite travellers like you. Whether you're planning a luxurious getaway, an exotic expedition, or a cultural exploration, a FIRSTmoney loan offers the financial freedom to turn your travel aspirations into reality.
With competitive rates and flexible terms, a FIRSTmoney smart personal loan empowers you to book premium accommodations, indulge in once-in-a-lifetime experiences, and create unforgettable memories without compromise. Apply for a travel personal loan seamlessly on an end-to-end digital journey and make Instant bookings without dipping into your savings.
Advantages of a FIRSTmoney smart personal loan for travel expenses:
In times of financial emergencies, FIRSTmoney smart personal loan stands as a beacon of stability and support. Instead of depleting your savings or tapping into your investment accounts, this smart personal loan enables you to preserve your financial reserves for long-term goals. Here's how our emergency loan can be a lifeline during uncertain exigencies:
Make your wedding dreams a reality with our smart personal loan for weddings designed exclusively for those who deserve it the most. Rather than depleting your savings or resorting to high-interest credit cards, a FIRSTmoney smart personal loan allows you to maintain financial stability as you start a new chapter of your life. Here's how our loan can add value to your special day:
Medical emergencies often come with unexpected expenses and a personal loan can offer access to quick funds. With a FIRSTmoney smart personal loan, you have the financial flexibility to explore various treatment options, including specialists, alternative therapies, or out-of-network providers, ensuring that you can pursue the best possible care for yourself or your loved ones. FIRSTmoney – our smart personal loan for medical expense, offers invaluable support and peace of mind during medical emergencies. Here's how:
Renovating your home or any structural upgrades can put a significant financial strain on your savings and personal loan proves to be a reliable solution. Manage and plan your home improvement expenses depending on your needs with FIRSTmoney, our smart, instant personal loan. Apply for a personal loan online and get approved seamlessly. Use your credit limit as an when you need.
Embark on your dream adventures with an online personal loan designed exclusively for elite travellers like you. Whether you're planning a luxurious getaway, an exotic expedition, or a cultural exploration, a FIRSTmoney loan offers the financial freedom to turn your travel aspirations into reality.
With competitive rates and flexible terms, a FIRSTmoney smart personal loan empowers you to book premium accommodations, indulge in once-in-a-lifetime experiences, and create unforgettable memories without compromise. Apply for a travel personal loan seamlessly on an end-to-end digital journey and make Instant bookings without dipping into your savings.
Advantages of a FIRSTmoney smart personal loan for travel expenses:
In times of financial emergencies, FIRSTmoney smart personal loan stands as a beacon of stability and support. Instead of depleting your savings or tapping into your investment accounts, this smart personal loan enables you to preserve your financial reserves for long-term goals. Here's how our emergency loan can be a lifeline during uncertain exigencies:
Make your wedding dreams a reality with our smart personal loan for weddings designed exclusively for those who deserve it the most. Rather than depleting your savings or resorting to high-interest credit cards, a FIRSTmoney smart personal loan allows you to maintain financial stability as you start a new chapter of your life. Here's how our loan can add value to your special day:
Medical emergencies often come with unexpected expenses and a personal loan can offer access to quick funds. With a FIRSTmoney smart personal loan, you have the financial flexibility to explore various treatment options, including specialists, alternative therapies, or out-of-network providers, ensuring that you can pursue the best possible care for yourself or your loved ones. FIRSTmoney – our smart personal loan for medical expense, offers invaluable support and peace of mind during medical emergencies. Here's how:
Renovating your home or any structural upgrades can put a significant financial strain on your savings and personal loan proves to be a reliable solution. Manage and plan your home improvement expenses depending on your needs with FIRSTmoney, our smart, instant personal loan. Apply for a personal loan online and get approved seamlessly. Use your credit limit as an when you need.
A home renovation loan is a type of personal loan which you can avail of for renovating, redesigning, or refurbishing your home.
Yes, there are home loans specifically designed for home renovations or house repair. You can apply for such loans to fulfil your needs.
The limit depends on the type of home improvement loan that you avail of. With FIRSTmoney, smart personal loan, it covers you for every need and you can get a maximum credit limit of ₹10 lakhs.
A home loan is primarily used for purchasing a new property or constructing a house, whereas a home renovation loan is specifically for funding the refurbishment or improvement of an existing property. Home renovation loans usually have a shorter tenure compared to home loans.
The maximum tenure for a FIRSTmoney loan for home renovation expenses ranges from 2 month to 60 month. You have the flexibility to choose a suitable tenure based on your financial planning.
Eligibility criteria for a home remodel loan generally include:
If you go the traditional way, a home renovation loan requires lengthy documentation with personal identity and proof of property being a part of the documentation process. However, with IDFC FIRST Bank FIRSTmoney smart personal loans, you only need to present your PAN Card during the V-KYC process.