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The purpose of borrowing a Personal Loan is different for different people. A Personal Loan is a good option if you are short of money to pay your bills or want to reconstruct your house. After researching the various options available, select the best one for you.
Yes, Personal Loans have processing fees. The processing fee is charged to cover the cost of giving a loan. This charge may vary from one financial institution to another. While choosing a Personal Loan, you must ensure it is reasonable.
Most financial institutions allow customers to make EMI payments after the due date. However, a penalty for late payment will be charged. Making EMI payments on or before the due date is advised to avoid late fees and maintain good financial health.
Lock-in period structure : |
A) Loan tenure <= 18 months : Lock-in period will be 50% of the total tenure period. |
B) Loan tenure > 18 months : 12 months Lock-in period. |
Banks accrue administrative costs to approve and disperse a loan. Even though it is a small amount compared to the loan offered, it varies across financial institutions. For instance, the processing fee may change depending on the loan amount.
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