Personal loan

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Friday, 20.01.17 (83 views)

Personal loan the lifeline for meeting your financial needs.

 

Personal loan is one among the different types of loans available which has gained popularity with the passing days. So why does this need arise for such a loan? Most of us will need this at one stage or the other in our life. It is taken to cover the different types of expenses and the purchases we have to make.

This type of loan has become the most preferred choice and if you are planning to have an occasion and need money, then personal loan can very easily take care of this situation. But most of us fail to take the advantage of this personal loan as we do not do a very good research or in some cases we fail to get a personal loan as we are ignorant of the important guidelines.

So what exactly is personal loan? It is a financial contract where one party gives a certain amount at a certain rate of interest to be returned after a specified period of time. The borrower in this case has to abide by all the terms and conditions of the contract. In the contact there should be specifically mentioned about the interest rates and the dates of repayment.

The loan interest rates on your personal loan can vary from bank to bank and it will depend on your credit history, the salary you are drawing at present. If there is a positive side to your credit side, the bank will consider you as a low risk and in a way will attract lower rate of interest.

At a Glance

  • Advantages of personal loan
  • Features of Personal loan
  • How to apply for a personal loan
  • Why personal loan can be rejected.
  • List of documents needed for personal loan
  • How interest rate is calculated on personal loan
  • List of important question regarding personal loan
  • List of banks providing personal loan

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