Saturday, 28 March 2015

UAE personal loan offers with added benefits

Win up to Dh250,000 with a Mashreq loan

Benefits: Sign up for a personal loan or top-up for a minimum of Dh50,000 and you may win the Mashreq Personal Loan Plus draw. While one winner will receive the loan amount back (up to Dh250,000), another 15 will receive one month’s salary back – up to a maximum of Dh25,000. Loans up to Dh1 million are available. Beware of: Applicants must have a minimum monthly salary of Dh5,000. The offer is valid until May 15.
Get Dh1,000 cash back with ADIB
Benefits: Apply for an ADIB Al Khair Liabilties Settlment and receive Dh1,000 cashback. It offers loans of up to Dh1m over a maximum tenure of four years at profit rates starting from 5.49 per cent. Applicants must have a minimum salary of Dh5,000, havwe been working for six months and must transfer salary to the bank. Beware of: The offer ends on March 31, and there is an early settlement fee of 1 per cent on the outstanding balance.
Refer a friend to Emirates NBD
Benefits: Refer your friends for a personal loan at Emirates NBD and earn up to Dh4,000 in gift vouchers for your efforts per month. The minimum loan amount a referral can apply for is Dh50,000 over a two-year period and applicants must earn a minimum of Dh5,000 per month.
Beware of: The referrals must apply for the loan using the same mobile number provided by the person who made the referral.

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Saturday, 14 March 2015

State Bank of India offers personal loans to their existing borrowers at housing loan rates:

MUMBAI: SBI(State Bank of India) BSE -2.21 % giving an amazing offer to its previous home loan customers. They can have personal or top-up and loans at the same rate that they paying on home loans under a fixed-period offer.

In effect, an existing SBI borrower can have a PL(personal loan) at the rate of 10.15% and provided he been paying his  homeloan EMIs on time.  For women, it is inexpensive at 10.10%. The rates implies on 0.35-0.40% point cut in the top-up loan rates which SBI been charging.  For more details about  Personal loan in Chennai

The rate depletion comes at a time when Reserve Bank of India(RBI) signalled a softer interest rate by cutting policy rates twice - both by a quarter percentage point - in 2015. A woman (homeloan) borrower can take til Rs 50 lakh at the rate of 10.10%. Guess its a nice allotment for womens.. . The tenure of the top-up loan be linked to the customer's tenure of the home loan. Range for Top-up loans between Rs 50 lakh & Rs 2 crore will cost just  10.75%. 

The rate will be 11.25% from the range between Rs 2 crore to Rs 5 crore. Analysts say
 the move will assist SBI to achieve their loan growth targets.

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Wednesday, 11 March 2015

Seven best Tips while applying for Personal loan -

Personal loan tips & Tricks:

On should be aware of the loans giving bank. its highly recommended to go through the tips while you go for loans at the doorstep of banks. First of all we need to make sure the possible ways about getting the loan and we have to think about the repaying option.

Have a look at this some useful tips before you decide to apply for personal loan:-

  • You must do a fullfledged & detailed market survey about different options such as the pre-payment charges, interest rates & terms and conditions.
  •  Interest rates plays vital role of all the costs that you gonna pay. So you have to go for the cheapest choice. One thing you must give attention in which of banking terms like flat personal loan interest rates which appear to be cheaper but are in fact that may be the most expensive.

For example a 7% flat rate would come out to an effective cost of around 13%. so its better to cull monthly reducing balance option than flat-rate option. This Will lower effective cost for the same stated interest rate. (I suggest you to compare with other banking option and their choices while applying for personal loans)

  • Ofcourse there will be a processing charges in every bank. Its your time to ask for zero processing fees & zero-penalty for pre-payment option. Suppose If that`s not available means , lowest cost would be better. Make sure you work out as to how much other costs add up to. Although the interest rate may be lower, it usually adds up to being expensive.
  • In general, the EMI(Equated Monthly Installment) will come out a lot more than what you can bring on a monthly term. But you need to remind yourself that is "lower tenure will reduce the loan amount & lower loan amount will reduce the tenure(duration/period)."
  • Please Kindly Make sure that all offers & deals agreed upon are supported by appropriate papers.  Its not a sin, so you can ask for a letter in a banks letter-head mentioning the exact rate of interests,processing fees, likes of, pre-payment charges with interest schedule. I suggest you to recheck all terms and conditions before signing the documents.
  • Do not bring any false information at any circumstance. If in case found ,that will lead to fraud and you will be in trouble for sure.
  • While appplying for loans, don`t leave your sign in any blank documents.
Keep calm & fill the form although if it takes you a little hours to proceed the form.
Its more important - Do not leave anything blank to be filled-up by the executive .

 Get more info about personal loan read Articles about  personal loan in chennai.

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