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1. Compare & evaluate
It is better to hear and compare 3-5 plans before taking one.
2. Terms and conditions
They are boring but always read terms and conditions before taking a loan
3. Bargain rates
It's a very competitive market and you can bargain on the basis of your past record and profile.
4. Prepayment charges
Understand the prepayment charges as most private banks have them.
5. Late payment
Understand what are the penalties for late payment and how can it be avoided.
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