EMI is paid monthly, and it is a constant amount for the duration of the loan term. However, the part of the amount of the EMI that goes towards paying the interest and the principal changes over the tenure of the loan. As a rule of thumb, you will pay more principal with each subs...
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●EMI Bounce Charge:It is a charge levied by the bank when there is insufficient balance in the account to pay the EMI. ●Foreclosure Charge:In case you wish to close your loan before the end of the tenure, some banks may ask for foreclosure charges. With IDFC FIRST Bank, you don’t...
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Personal loan eligibility for salaried employees As a salaried employee looking for a personal loan, you should be: A Resident Indian Be at least 21 years old at the time of loan application and not older than 60 at the time of final EMI repayment. ...
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Since the balance transfer comes with a fee, having a much lower interest rate makes sense. An example below will help you understand it better. Example – Manoj and Shashi have been servicing a 5-year personal loan of INR 6 lakh each. They have been paying the EMI of INR 14,912 at ...