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Interest rates vary among lenders. Some banks offer rates as low as 9.5% per annum, especially to existing customers. It’s essential to compare rates to find the most affordable option.

Balance your EMI and loan tenure to avoid financial strain. Opting for higher EMIs can shorten the tenure and reduce interest, but ensure it doesn’t pressure your daily budget. Avoid excessively long tenures, which increase total interest payable.

Inquire about all applicable charges, including processing fees, documentation charges, credit report fees, stamp duty, prepayment, foreclosure, late payment penalties, and others. Comparing these across lenders can help you choose the most cost-effective option.

Some banks impose prepayment or foreclosure charges if you repay the loan early. Prefer lenders that charge minimal or no fees for early repayment, allowing flexibility if you decide to clear the debt ahead of schedule.

Typically, you’ll need KYC documents (identity, address, and age proof), bank statements, income proof (like salary slips or IT returns), business or employment stability proof, and partnership deeds if applicable. Having these ready can expedite the loan approval process.

Credit cards offer convenience, rewards, and the ability to build your credit score. They can also provide fraud protection and financial flexibility.

Balance transfer is the transfer of your existing credit card balance to another card for lower interest rates or better terms to reduce your interest burden.

Criteria typically include age (21-60 years), income stability, employment status, credit score, and credit limit.

Interest rates vary but generally range between 2.5% and 4% per month. We help compare rates from multiple banks to find the best deal.

A credit score of 700 and above is preferred, though some banks may approve cards for scores as low as 650 with higher interest rates or stricter terms.

Any salaried or self-employed individual with a stable income can apply. Eligibility varies by lender.

KYC documents, income proof, property documents, and bank statements are generally required.

Approval timelines vary, but loans can be sanctioned in as little as 24-48 hours for eligible applicants.

Yes, tax deductions are available under Section 80C and 24(b) for principal and interest repayments.

Missing an EMI can lead to late fees, impact your credit score, and increase your repayment burden.

Any salaried or self-employed individual, business owner, or professional who owns a property can apply. Eligibility depends on income, credit score, and property valuation.

Both residential and commercial properties can be used as collateral. Some lenders also accept industrial properties, depending on their policies.

The loan amount depends on the property’s market value, your income, and the lender’s loan-to-value (LTV) ratio, typically ranging from 50% to 75% of the property value.

Approval timelines vary, but loans can be sanctioned within 48-72 hours if all required documents are submitted correctly.

Yes, Loan Against Property usually offers lower interest rates, higher loan amounts, and longer repayment tenures compared to personal loans.

Any salaried or self-employed individual with a steady income can apply.

The loan amount depends on your income, credit score, and lender policies, ranging from ₹50,000 to ₹50 Lakhs.

Loan tenure typically ranges from 1 to 5 years, based on lender terms.

No, Personal Loans are unsecured, meaning you don’t need to provide security.

Rates start from 10.85% p.a., but actual rates depend on the borrower’s profile and lender’s policy.