ಮೋಸ ಹೋಗಬೇಡಿ: Personal loan Kannada 2023 |ಸಾಲ ಮಾಡೋಕೆ ಮುಂಚೆ ಕೇಳಬೇಕಾದ 20 ಪ್ರಶ್ನೆಗಳು| Ashish Saradka
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- เผยแพร่เมื่อ 8 มิ.ย. 2024
- #personalloan #money #personalfinance
Welcome to My TH-cam channel! In this video, we're going to dive deep into the world of personal loans, answering all your burning questions and providing you with valuable insights. Whether you're looking to apply for a personal loan or just want to learn more, you've come to the right place.
Timestamps:
0:00 - Introduction
0:55 - Unsecured vs Secured Loan
1:38 - Personal Loan Interest rates
2:20 - Fixed vs. Floating Interest Rates
3:28 - Reducing Balance interest Rate vs. Flat Interest Rate
5:30 - Loan Amount and Tenure
6:38 - EMI Calculation
7:10 - Processing Fees and Charges
8:04 - Prepayment charges & Foreclosure Charges
9:30 - Penal Charges and Check Bounce charges
10:55 - Documentation Requirements
11:18 - Credit Score and Eligibility
11:44 - Loan Disbursal Timeframe
12:15 - EMI payment date Choice
13:00 - Late Payment Penalties
13:20 - Collateral and Co-signer
13:52 - Term insurance for Personal Loan
14:50 - Interest Rate Conversion from floating to fixed interest rate
15:20 - Loan Agreement and Terms
16:15 - Pre-Application Checklist
17:15 - Interest Rate Comparison
18:10 - Default Consequences
18:50 - Conclusion
1. Interest Rate:
Are you wondering what interest rate you'll be charged for your personal loan? Stick around as we uncover the details.
2. Fixed or Floating Interest Rate:
Find out whether a fixed or floating interest rate suits your needs and learn how often a floating rate can change.
3. Reducing Balance vs. Flat Interest Rate:
Discover the difference between these interest rate types and how they can impact your loan repayment.
personal loans, interest rates, loan amount, tenure, EMI calculation, processing fees, documentation requirements, credit score, eligibility, loan disbursement timeframe, repayment options, late payment penalties, collateral, co-signer, loan insurance, interest rate conversion, customer service, loan agreement, terms, pre-application checklist, loan repayment schedule, interest rate comparison, default consequences
4. Loan Amount and Tenure:
Explore the maximum loan amount you can apply for and the various tenure options available to tailor your loan to your needs.
5. EMI Calculation:
We'll help you estimate your Equated Monthly Installment (EMI) based on your loan amount and tenure.
6. Processing Fees and Charges:
Learn about the processing fees, prepayment charges, penal charges, and bounce charges associated with personal loans.
7. Documentation Requirements:
We'll provide you with a checklist of documents you need to streamline your loan application process.
8. Credit Score and Eligibility:
Discover the minimum credit score required and how your eligibility for the loan is determined.
9. Loan Disbursal Timeframe:
Find out how long it typically takes to get your hands on the loan amount once it's approved.
10. Repayment Options:
Learn if you can choose your EMI deduction date and whether part-prepayment or foreclosure options are available.
11. Late Payment Penalties:
Understand the penalties for late or missed payments and whether there's a grace period.
12. Collateral and Co-signer:
Explore whether collateral is necessary and how a co-signer can affect your loan terms.
13. Loan Insurance:
Discover loan insurance options, what they cover, and associated costs.
14. Interest Rate Conversion:
Find out if you can switch between fixed and floating interest rates during your loan tenure.
15. Customer Service and Support:
Learn how to reach customer support and address any concerns or disputes.
16. Loan Agreement and Terms:
Get insights into the loan agreement and specific terms and conditions to be aware of.
17. Pre-Application Checklist:
Maximize your approval chances by preparing in advance.
18. Loan Repayment Schedule:
We'll provide you with an amortization schedule to visualize your repayment plan.
19. Interest Rate Comparison:
Compare interest rates with other available loan products to make an informed decision.
20. Default Consequences:
Understand the repercussions of defaulting on your loan, including legal actions and credit score impact.
Thanks for joining us on this comprehensive journey through personal loans. Don't forget to like, subscribe, and hit that notification bell to stay updated on all things finance! If you have any questions or topics you'd like us to cover in future videos, feel free to leave a comment below. See you next time!
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Personal finance Checklist :
Personal loans are a type of unsecured loans
1. Interest Rate:
What is the interest rate for the personal loan?
2. Is the interest rate fixed or floating? If it's floating, how often does it change?
Floating is better
3. Reducing Balance Interest Rate or flat interest rate
4. Loan Amount and Tenure:
What is the maximum loan amount I can apply for?
What loan tenure options are available?
5. EMI Calculation:
Can you provide an estimate of the Equated Monthly Installment (EMI) for the loan amount I need and the chosen tenure?
6. Processing Fees and Charges:
What are the processing fees for this personal loan?
Are there any prepayment or foreclosure charges?
Penal charges
Bounce charges
7. Documentation Requirements:
What documents are required for the loan application?
Is there a checklist of documents I need to provide?
8. Credit Score and Eligibility:
What is the minimum credit score required to qualify for this loan?
How is my eligibility for the loan determined?
9. Loan Disbursal Timeframe:
How long does it typically take to process and disburse the loan amount once approved?
10. Repayment Options:
Can I choose a convenient date for the EMI deduction?
Is there an option for part-prepayment or foreclosure, and if so, what are the associated charges?
11. Late Payment Penalties:
What are the penalties for late or missed payments?
Is there a grace period for late payments?
12. Collateral and Co-signer:
Do I need to provide collateral for this personal loan?
Can I have a co-signer to improve my loan eligibility or get a better interest rate?
13. Loan Insurance:
Do you offer loan insurance, and is it mandatory?
What does the loan insurance cover, and what are the costs?
14. Interest Rate Conversion:
Is it possible to convert the loan from a floating interest rate to a fixed rate or vice versa during the loan tenure?
15. Customer Service and Support:
How can I reach your customer support for any loan-related queries or concerns?
What is the process for addressing issues or disputes?
16. Loan Agreement and Terms:
Can you provide a copy of the loan agreement for me to review?
Are there any specific terms and conditions I should be aware of?
17. Pre-Application Checklist:
Is there anything I should do or prepare before submitting my loan application to increase my chances of approval?
18. Loan Repayment Schedule:
Can you provide an amortization schedule that outlines the repayment plan, including principal and interest components?
19. Interest Rate Comparison:
Can you provide a comparison of interest rates with other available loan products?
20. Default Consequences:
What are the consequences of defaulting on the loan, including legal actions and impact on credit score?
ನಿಮ್ಮ ಮಾಹಿತಿ ತುಂಬಾ ಇಷ್ಟ ಆಯ್ತು ,, ನಾವೂ ಕೂಡ 2 ಲಕ್ಷ ಲೋನ್ ತಗೋಬೇಕು ಅಂದು ಕೊಂಡಿದ್ದೇವೆ ,, ಎಷ್ಟು e m i ಕಟ್ಟಬೇಕಾಗಬಹುದು ತಿಂಗಳಿಗೆ , ತಿಳಿಸಬಹುದೇ ,, ನೀವು ಕೊಟ್ಟ ಮಾಹಿತಿ ಕೇಳಿದ್ರೆ ಭಯ ಆಗುತ್ತೆ , ಬ್ಯಾಂಕಿನವರು ಯಮನಿಗಿಂತಳು ದೊಡ್ಡ ಅಟ್ಟಹಾಸ ,, ಇದಕ್ಕೆ ಕಡಿವಾಣ ಹಾಕಲು ಸರಕಾರಕ್ಕೆ ಯಾಕೆ ಸಾಧ್ಯ ಇಲ್ಲ ,, ರಕ್ತ ಹೀರುವ ಬ್ಯಾಂಕ್
Good information
Thank you soo much Ashish sir for giving knowledge to us👌👌👏👏👏👏
Thanks for watching bro
ಒಂದಲ್ಲಾ ಒಂದು ಸಮಯದಲ್ಲಿ ಎಲ್ರೂ ಪರ್ಸನಲ್ ಲೋನ್ ಮೊರೆ ಹೋಗುವವರೇ. ಹಾಗಾಗಿ ಈ ವಿಡಿಯೋ ತುಂಬಾ ತುಂಬಾ ಉಪಯುಕ್ತ. ಅಂದಹಾಗೆ ಇಷ್ಟರ ಮಟ್ಟಿಗೆ ಮಾಹಿತಿ ನೀಡಿದ್ರೆ ಬ್ಯಾಂಕ್ನವರು ನಿಮ್ಮ ಮೇಲೆ ಕೋಪಿಸಿಕೊಳ್ಳಬಹುದು... 😀
ನಾನಿರುವುದು ನಿಮಗಾಗಿ ಬ್ಯಾಂಕಿಗಾಗಿ ಅಲ್ಲಾ ಅಂತಾ ಹಾಡು ಹಾಡ್ತೀನಿ ನಾನು 😜
Tq bro
Very nice...🎉🎉
Thanks for watching
Good information sir
Thanks for watching
Tq ಸರ್
Thanks
Tqu sir
Thanks for watching
Super sri
Thanks
Very nice....i have one doubt...loan sanctioned and sanctioned letter received but we have not executed. In that case any impact on cibil score??
It is will not affect your cibil score sir
@@AshishSaradka thanku sir....
Sir unsecured loans some finance civil 750 mele edre personl loan kodtivi yavde security beda only adar pancard bank pass book keltare etara loan right wrong tell me sir
Interest estu? ಯಾವ ಬ್ಯಾಂಕು?
@@AshishSaradka sir adhu Bank alla private finance navru intrast rate 12% to 14 % heltare sir e loan details keldure first nemdu adar pancard system alli check madudre details barutte elandre munchene yav details helala antare sir nevu helid unsecured loans details yavdu avru first helalla sir edu clarity kodi sir
🌹🌹
Thanks for watching
I have home loan already but how to check whether they are charging Flat interest rate or Reducing balance interest rate?
Home loans have reducing balance interest rates sir. don't worry
K..Thank you sir
Icici banknalli loan tagobavuda sir
ತೊಗೋಳಿ
ಸಾರ್ ನನ್ನದಲ್ಲದ ಲೋನ್ ಗಳು ನನ್ನ CIBIL score ನಲ್ಲಿ ಸೇರಿಕೊಂಡಿವೆ ಅವುಗಳನ್ನು ಹೇಗೆ remove ಮಾಡೋದು
Adu hege? Neevu yaavudaadaru postpaid schemes ola money, Amazon pay postpaid tarahaddu use maadtaa idderaa
Top up loan thogollodu olleyada?. Loan prepayment madidre Credit score ge impact agutha?
Prepayment won't impact negatively. Infact they will increase credit score a little
Top up loan ಯಾವುದರಲ್ಲಿ??
@@AshishSaradka personal loan mele Top up kodthare
@@AshishSaradka oh okay thank you
Good information sir
Thanks