Facts About Personal Loan

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      Amazing Facts about Personal LoanFacts About Personal Loan

      A personal loan is an unsecured loan that you can use to fulfill your personal needs. There are so many banks that provide you with a personal loan at very easy rates of interest. Personal loans are available online too. There are some facts about personal loan that you may not know.

      Fixed Interest Rates

      The personal loan interest rates can be fixed. In this loan, you may know your repayment amount before getting the loan. And then you can easily decide whether you can repay the loan or not. They will be the same for the whole tenure.

      Prepayment

      In a personal loan, the facility of prepayment is also available. Pre-closure is a facility to close the loan before the tenure of the loan. For example, if you have taken a loan for 3 years but you want to close it after two years than you can do so.

      Flexi

      Now your personal loan can be Flexi. It means that it offers the facility that if you have taken the loan of Rs. 10 Lakhs but you have used only Rs. 2 Lakhs then there is no need to pay the interest rate on 10 Lakhs. You will be charged an interest rate for only Rs. 2 Lakhs.

      Ease to Get a Credit Card

      If you are having a personal loan then you can easily get a credit card. This is an unknown advantage of personal loan. In fact, you have to manage your debts eventually. So always be careful with your loans and other debts.

      Enhance Your CIBIL Score 

      Personal loans are always helpful to enhance your CIBIL score. If you pay your EMI on time then it can build a good personal loan credit score. And a credit score is always helpful to in your financial life.

      Facts About Personal Loan

      Multi-Purpose

      A personal loan is a multi-purpose loan. You can use this loan for various purposes. You can use this loan for educational purposes, you can use this amount for wedding purposes. Besides that, you can use this amount of loan to get some help in your business, in your agricultural activities or anywhere.

       

      Special Note: An individual must examine the whole EMI amount payable to the lender with the Personal loan EMI calculator.

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