In today's era, everyone needs a loan. If you do not have
money and you want to buy something, then taking a bank loan is a convenient
option. Apart from this, in the event of any financial disaster, bank loan
makes our life very easy. Have you ever noticed how the financial institution
lending to you charges interest rate on your loan. Behind this is the role of
loan emergency, loan repayment and interest rate etc.
We are telling you those 7 easy ways, with the help of which
you can take a loan immediately.
Before reading this story further, do not forget to ensure that the loan should be taken only when it is absolutely necessary. Always try to keep the loan amount to a minimum. If you are not able to repay the loan amount in time, then you can get stuck in the debt trap.
Employer loan
Before reading this story further, do not forget to ensure that the loan should be taken only when it is absolutely necessary. Always try to keep the loan amount to a minimum. If you are not able to repay the loan amount in time, then you can get stuck in the debt trap.
Employer loan
Many companies loan a part of salary to advance as an advance. This can be up to six times your monthly salary. You can repay this amount from your salary for the next 24 months.
Rate of interest: 5-8% (Sometimes this rate of interest can
also be zero.)
Benefits: You can get this amount in three days.
Disadvantage: This is only a part of your salary, Business Loan according to this
you will have to pay tax on it. If you spend this amount on health facilities,
and it is less than Rs 20,000 only then you can get the benefit of tax rebate.
Personal Loan
Personal Loan
You can get this loan within 30 minutes to three days. It depends on your relationship with the bank. If there is a pre-approved (pre-approved) loan offer on your account, then the process becomes very easy.
Rate of interest: 13-24%
Advantage: Pay immediately on taking a personal loan from
your bank
Disadvantages: 2-3 per cent is charged as processing fee.
Apart from this, you have to pay GST on monthly installment. If the loan is
repaid ahead of time, then a charge of 2-3 per cent is levied for it
separately.
Property Loan In Delhi
Property Loan In Delhi
If you have a house and you want to take a big loan, then you can take a loan from the bank in exchange for that property. In this way, you can take a loan ranging from five lakh to 10 crore rupees. In this loan period can be from 2 to 15 years.
Banks lend you up to 65% of the value of the property. For
this, the house is insured. In this, the processing fee is 1.5-2% while the
loan for repaying the loan prematurely is 2-3%.
interest : 9.5-13%
Advantage: low interest, big money
Disadvantages: It may take up to 3-10 days to take a
loan.
Loan
against shares
You can also take Loans Against Your Shares, mutual funds,
fixed deposits or insurance policies. In the case of mutual funds and shares,
banks give you a loan of up to 50% of the investment amount. In case of fixed
deposits, you can get interest up to 75% of the investment amount.
Rate of interest: 9-15%
Rate of interest: 9-15%
Advantages: Instant payment, low interest rate
Disadvantages: If the value of the portfolio falls,
you will have to keep more funds with the lending institution.
Loan
against gold
You can also take a loan in lieu of gold or gold
ornaments kept with you. Banks can give you a loan ranging from Rs 10,000 to Rs
25 lakh against the value of gold. The repayment period is usually 6-12 months.
When you repay the loan, you get back the gold kept
as a mortgage.
Rate of interest: 10-17% from bank, 14-26% from non-banking finance company
Rate of interest: 10-17% from bank, 14-26% from non-banking finance company
Benefits: Loan is available in few hours.
Disadvantage: Gold may have to be paid up to
250-2500 rupees as an appraisal charge. If you are unable to repay the loan,
then your gold can be confiscated.
Credit
Card Cash Withdrawal
Loan
Against Card Receivables You can
withdraw up to 40-80% of your credit card limit. Many times credit card
companies also fix the limit according to the daily cash withdrawal. In this,
you may have to pay an over limit fee.
Rate of interest: 2-3.5% month
Rate of interest: 2-3.5% month
Benefits: Cash is available within minutes.
Disadvantages: 2.5-3 per cent charge has to be paid
as transaction fees. From the day you withdraw money, the interest starts from
the same day.
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