a Personal Loan Through an Aggregator

ccident 於 2018-10-30 11:48:13 發表  |  累積瀏覽 509


1. Multipurpose loan: Personal loans can be used for a variety of purposes such as paying off for marriage, medical expenses, renovating your house, supporting your child’s education, or even paying back an existing loan. Barring a few speculative purposes, there is no restriction on the end use of a personal loan.

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2.  No collateral required: You do not need to pledge, provide any security or collateral to get a personal loan.

3. Quick disbursal: If you meet the eligibility criteria and have a good credit score, you can get a personal loan in as quick as 24 to 72 hours. In fact, some of the banks also provide a pre-approved facility for their existing customers.

4. Hassle-free paperwork: Availing a personal loan requires minimal documentation. You are just required to submit your personal information, income information and employment information. Existing pre-approved applicants of banks are not even required to submit any documents in some cases.

6.  Low-interest rates: Many banks and NBFCs offer personal loans at affordable interest rates to salaried individuals working with top and reputed corporate. Personal loans start at a minimum rate of 10.75% and can go up to 22% p.a. The interest rate usually depends on your eligibility and CIBIL score.

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7. Tax benefits: A personal loan can also yield tax benefits, depending on the end use it has been taken for. If you use the loan for construction, renovation of the house or making down payment for the house, you can avail the tax deduction of up to Rs. 2 lakh under Section 24B for the interesting part in a financial year. You can also get tax benefits if you use the personal loan for business purposes, subject to your ability to provide enough documents to show that the money has been utilized for that purpose only.

8. Fixed rate of interest: A personal loan comes with a fixed rate of interest which means you pay fixed EMIs during the tenure, without worrying about interest rate changes.

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