There are many ways in which you can save interest on your personal loan and if you exercise some discretion, you can end up saving a good amount of money on the interest on your personal loan.If you are looking for home loans in Delhi, you can consider Loan Kumar. In addition, if you want to expand your business then you can consider business loans in Delhi offered by loan Kumar. In addition, loan Kumar offers personal loans in Delhi and loan against property in Delhi.
By making timely payments of your EMI’s and Credit Cards and also keeping a low credit balance on Credit Cards and not going for loans often will boost your credit score.
Banks prefer individuals with a good score and lend the money to them easily and so if you have a poor credit score then it is a good idea to wait for few months, improve the score, and then go form the loan and this will make the loan procedure easier and less costly
Chances are that you might get a better and lower interest rate from online lenders whose criteria for lending is also not very stringent and thus it is a good idea to check out the online lenders who are offering loans so that you might end up with a better deal and a lower interest rate
Although a shorter loan term will increase your EMI you will gain as the lender is more comfortable giving a short-term personal loan and thus you can get a low-interest personal loan for a shorter duration, which makes sense financially.
If you go for a floating interest rate as many people go for a fixed interest rate, which becomes costlier in the end as you are paying interest on the higher side from the very beginning and thus it makes sense going for a floating interest rate as that will save you money on interest.
A shorter loan tenure with a higher interest rate comes out to be cheaper and APR is the annual interest rate that the banks charge on your personal loan and thus you should check this APR before taking a loan as that would make your decision safe.
Thus, you should exercise discretion and save your hard-earned money so that you end up paying less as interest and save money, which you can invest or consume
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