https://www.desidime.com/discussions/my-cycle-continues-please-suggest-tested-personal-loan-with-lowest-intrst?page=1#post_8278338
I think u r the one who has multiple CC/loan with almost 20L+ pending loan/dues
My Cycle Continues (Pls Suggest Loan ie tested Lowest Charges)
- 2187
- 17
-
- Last Comment
With No option left I am stuck in Loan cycle have to do it No other option
I have following offers But I need something which is most Economic
-Earlier had repaid Full Personal HDFC loan at 11.5% Int closed 1.5 yrs back
Current Offers-
-14.5% Loan on card hdfc + 1% PF +GST on Int on Loan on CC
-18% Loan on card kotak +1 PF + int on gst
-Applied at HDFC got rejected
-My Axis Salary A/c 2 yrs ols did not found me worth giving
-One running from SC at 11% no GST on Int (They are not giving any more)
Any one who knows for sure IF I can get at Less interest pls suggest bank or App
Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
Top Comments
16 Comments
|
5 Dimers
- Sort By
https://www.desidime.com/discussions/my-cycle-continues-please-suggest-tested-personal-loan-with-lowest-intrst?page=1#post_8278368
_Dracarys_ wrote:I think u r the one who has multiple CC/loan with almost 20L+ pending loan/dues
Yes Unfortunately, Got it down to 14 L now
https://www.desidime.com/discussions/my-cycle-continues-please-suggest-tested-personal-loan-with-lowest-intrst?page=1#post_8280271
You remind me of a quote “If you can’t be a good example, then you’ll just have to be a horrible warning.” All in lighter sense.
I am really curious – how did you manage to get yourself in this pure, organic, wholesome, thick shit?!
https://www.desidime.com/discussions/my-cycle-continues-please-suggest-tested-personal-loan-with-lowest-intrst?page=1#post_8280355
Ramta_Jogi wrote:You remind me of a quote “If you can’t be a good example, then you’ll just have to be a horrible warning.” All in lighter sense.
I am really curious – how did you manage to get yourself in this pure, organic, wholesome, thick shit?!
Not all Individuals are lucky enough not to face some real shit
Easy to Judge, Hard to empathize
i am a family oriented person Would rather die helping Loved ones
https://www.desidime.com/discussions/my-cycle-continues-please-suggest-tested-personal-loan-with-lowest-intrst?page=1#post_8280417
Expand
Atlantic wrote:Not all Individuals are lucky enough not to face some real shit
Easy to Judge, Hard to empathize
i am a family oriented person Would rather die helping Loved ones
As I said earlier – all in lighter sense. There was no sarcasm. Just curious to know. Help me avoid the disaster you got yourself into unknowingly.
https://www.desidime.com/discussions/my-cycle-continues-please-suggest-tested-personal-loan-with-lowest-intrst?page=1#post_8280441
Expand
Ramta_Jogi wrote:As I said earlier – all in lighter sense. There was no sarcasm. Just curious to know. Help me avoid the disaster you got yourself into unknowingly.
Nah Wasnt targeted at you just keeping point of view in crisis, tone sometimes goes negative
Basically if you have no debts and even have. average job of 30k per month or a business that provides net 30k earning ome shouldn’t worry abt such situation little money management can help succeed
for my case I am paying bad debts and losses faced by my family business, Initially they without telling me or anyone took non bank loans which are at local community level
Interest rate being 36% fixed annually on non emi lumpsump basis,
Basically this costed my family 72000 of interest for Each One lakh, That too just paying interest not paying even principle
So I took some loans from bank max at 15% reducing balance interest, and on emi basis ie. paying interest and principal together. This is atleast 6x cheaper than what my family took.
https://www.desidime.com/discussions/my-cycle-continues-please-suggest-tested-personal-loan-with-lowest-intrst?page=1#post_8280579
Yes. I was thinking on the same lines. My cousin’s in-laws have been doing the same – taking loans from market at whopping 20-30% since no bank would give them the loan for capital requirement.
https://www.desidime.com/discussions/my-cycle-continues-please-suggest-tested-personal-loan-with-lowest-intrst?page=1#post_8280848
https://www.desidime.com/discussions/my-cycle-continues-please-suggest-tested-personal-loan-with-lowest-intrst?page=1#post_8280980
lhgeek wrote:Did you try 12% Club or Finzy ?
hi
do you havd By personal experience
as lot of companies like this offer above 15%
https://www.desidime.com/discussions/my-cycle-continues-please-suggest-tested-personal-loan-with-lowest-intrst?page=1#post_8280986
Does anyone hold experience of personal loan fully 100% digital process
not even a single physical verification
https://www.desidime.com/discussions/my-cycle-continues-please-suggest-tested-personal-loan-with-lowest-intrst?page=1#post_8281289
https://www.desidime.com/discussions/my-cycle-continues-please-suggest-tested-personal-loan-with-lowest-intrst?page=1#post_8281490
DBS has a digital loan option if your credit score is good. I didn’t get it with 5-6L worth of loans running, but you can try.
What amount are you looking for? 12% club is the easiest and most convenient option without any physical visits or documentation, but they give max 1L and it depends on your credit score. I got 50K limit, but I can take it any time and any amount (in increments of N*1000, don’t remember exact number) and pay anytime and any amount. The interest is charged daily so you don’t have to pay extra.
https://www.desidime.com/discussions/my-cycle-continues-please-suggest-tested-personal-loan-with-lowest-intrst?page=1#post_8281744
charcoal wrote:DBS has a digital loan option if your credit score is good. I didn’t get it with 5-6L worth of loans running, but you can try.
What amount are you looking for? 12% club is the easiest and most convenient option without any physical visits or documentation, but they give max 1L and it depends on your credit score. I got 50K limit, but I can take it any time and any amount (in increments of N*1000, don’t remember exact number) and pay anytime and any amount. The interest is charged daily so you don’t have to pay extra.
thats a hekpful info thanks will give a shot
https://www.desidime.com/discussions/my-cycle-continues-please-suggest-tested-personal-loan-with-lowest-intrst?page=1#post_8282425
Atlantic wrote:Does anyone hold experience of personal loan fully 100% digital process
not even a single physical verification
Yes. HDFC Jumbo loan on credit card. Twice, second loan offer came when first loan was still open and running. Sanctioned with just an OTP.
Same with icici loan on credit card. Just an OTP on mobile and email.
https://www.desidime.com/discussions/my-cycle-continues-please-suggest-tested-personal-loan-with-lowest-intrst?page=1#post_8282679
Expand
Ramta_Jogi wrote:Yes. HDFC Jumbo loan on credit card. Twice, second loan offer came when first loan was still open and running. Sanctioned with just an OTP.
Same with icici loan on credit card. Just an OTP on mobile and email.
those guys charge too much
I am thinking to keep rotating untill some good offers come like under 12%
FYI i rotate by rent option I kow its not right but cheaper if you calculate
https://www.desidime.com/discussions/my-cycle-continues-please-suggest-tested-personal-loan-with-lowest-intrst?page=1#post_8282900
Expand
Atlantic wrote:those guys charge too much
I am thinking to keep rotating untill some good offers come like under 12%
FYI i rotate by rent option I kow its not right but cheaper if you calculate
Icici was on 12%. Icici has always given better loan rates on personal loans.
HDFC on 15 and second on 13.5%
Click here to reply
Reply
%20for%20Rs.%20%20%20at%20){kind=link}
Nah Wasnt targeted at you just keeping point of view in crisis, tone sometimes goes negative
Basically if you have no debts and even have. average job of 30k per month or a business that provides net 30k earning ome shouldn’t worry abt such situation little money management can help succeed
for my case I am paying bad debts and losses faced by my family business, Initially they without telling me or anyone took non bank loans which are at local community level
Interest rate being 36% fixed annually on non emi lumpsump basis,
Basically this costed my family 72000 of interest for Each One lakh, That too just paying interest not paying even principle
So I took some loans from bank max at 15% reducing balance interest, and on emi basis ie. paying interest and principal together. This is atleast 6x cheaper than what my family took.
Not all Individuals are lucky enough not to face some real shit
Easy to Judge, Hard to empathize
i am a family oriented person Would rather die helping Loved ones