9312121983
9312121983
1. What is a personal loan?
A personal loan is a type of unsecured loan where the lender does not require any collateral to secure the loan. Personal loans are often used for short-term financial goals such as paying off credit card debt, buying a car, or financing home improvements.
2. How do I get a personal loan?
You can apply for a personal loan online at many different websites. You may have heard about peer-to-peer lending platforms like Lending Club and Prosper. These sites connect borrowers and lenders directly. Borrowers post their need for money and lenders provide funds based on how much they trust the borrower's repayment capacity.
3. How long will my personal loan take to approve?
The amount of time it takes to receive approval varies depending on the lender. Most lenders will send out a decision within 24 hours.
4. Can I pay back my personal loan early?
Yes! Many lenders offer flexible payment terms. If you choose a fixed-rate loan, you'll generally have the option to make extra payments throughout the term of the loan.
5. Do I need good credit to qualify for a personal loan?
No. A personal loan is a great way to finance big purchases even if you don't have perfect credit. However, some lenders may require you to have excellent credit before approving your application.
6. Are personal loans safe?
Yes! Because a personal loan is unsecured, you won't lose anything if the lender goes bankrupt. And unlike a secured loan, you won't have to worry about losing your property if you default on your loan.
7. Is a personal loan expensive?
Not necessarily. Interest rates vary widely between lenders, ranging anywhere from 2% to 24%.
LAP or Loan against Immovable assets
A loan against property(LAP) is a secured loan that is sanctioned against the asset pledged as collateral. This asset can either be an owned land, a house, or any other commercial premises. The asset remains as collateral with the lender until the entire loan against property amount is repaid.
LAP scheme is a secured personal loan which you can avail by pledging your property as a security or a collateral. These personal loan schemes are also known as mortgage loans. Loan Against Property interest rates range between 8.00% p.a. to 25% p.a. You can avail loans of up to Rs. upto 1 Crore ( Terms and Conditions Apply).
You can claim tax exemption from a loan against property if the loan amount is utilised for business purposes. In such cases, benefits can be claimed against interest paid and associated fees and charges incurred. These payables can be claimed as business expenses under Section 37(1) of the Indian Income Tax Act.
Business Loan
Business loans provide business owners with financing either as a lump-sum payment or credit line. In exchange for this funding, your business agrees to repay the money it borrows over time, plus interest and fees.
9 types of small business loans
Term loans.
SBA loans.
Business lines of credit.
Equipment loans.
Invoice factoring and invoice financing.
Commercial real estate loans.
Microloans.
Merchant cash advances.
A business term loan is a lump sum of money you borrow from a lender, then pay back at fixed intervals — with interest — over a set period of time. Depending on your lender, you'll pay off the loan on a weekly, bi-weekly, or monthly basis. Repayment periods can last from a few months up to 10 years or more
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Disclaimer
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Terms and Conditions
The terms and conditions of a loan agreement will revolve around the following points:
Fees and Charges*: These terms would deal with the applicable fees and charges levied by your loan provider. They can include processing fees, convenience charges, annual maintenance charges, bounce charges, and penal interest. Ensure that you understand all applicable fees and charges thoroughly before undertaking a loan.
Interest*: The terms and conditions here would pertain to the rate of interest charged by the loan provider. As per the stipulated due date, you would be required to furnish the interest payable.
Repayment*: This would stipulate the terms and conditions concerning the repayment of your personal loan. The EMI (Equated Monthly Installments) due every month is calculated by taking into account your interest rate, the repayment tenure and your loan amount.
Default*: If the borrower fails to pay the amount due on the relevant due dates, they would be defaulting on their payments. In such cases, the loan provider would generally follow-up by way of text or call and, at certain times, may levy a penalty.
Foreclosure*: When an individual is able to repay all their dues earlier than warranted, this is known as the foreclosure of a personal loan account. While certain loan providers would levy charges on foreclosure, others opt not to do so.
ENTIQS ENTERPRISES reserves all rights to change or edit any Terms and conditions with or without informing*
* Means Terms and conditions.
** Terms and conditions applicable.
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