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Flexible loans for self employed Shekhar is a self-employed professional who is looking for a personal loan. But he is worried whether any bank will actually give him the loan as his net annual income is around Rs 1 lakh. more » |
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Longer repayment period: A costly affair Jyoti is looking for a personal loan. Out of the five banks considered a couple look good to her and hence she is thinking of choosing between these two offerings. One factor that has been at the back of her mind is the time period for the repayment of the loan. more » |
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How to select a personal loan Like in all other loans, the component that bothers one most in a personal loan is the interest rate. Personal loans are known for their high interest rates, falling in the range of 14% to 25% per annum. So it goes without saying that the lower the interest rate, the better it is for you. more » |
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How to prepay a personal loan Prepaying a personal loan is the effective way to get the debt monkey off your back. But keep in mind that it comes with a hefty penalty. Most banks have clauses regarding prepayment included in a loan agreement and charge a fee, up to 5%, on the outstanding principal amount. more » |
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Should you shift credit card dues to personal loan These are times with many choices. Here's just one other choice that many of you might be pondering over - should you shift to a personal loan to pay off your credit card dues? Raghu has the same question. more » |
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How to look at a pre approved loan Rajesh has been a credit card holder of a foreign bank since the last 2 years. He recently got a letter in the mail from the same bank saying that it had approved a Rs 2,14,000 loan for him at a lower interest rate than what was being offered to other customers. more » |
