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Do You Need A Personal Loan?


By Joz L :  How To  |  Personal Loans  |  Credit Card Debt  |  Credit Score  |  Home Mortgage Loan  |  Reviews


You should at least ask yourself the right questions to know what exactly you need before deciding on taking up any personal loans. There are also be extra early repayment penalty if you decide to prepay your loan before maturity.

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Therefore, it is important asking yourself the right questions to determine your needs before taking up the personal loans.

  1. Do I really need the personal loans?
  2. If the loans are taken for education, it is an investment to your future. However, if the loans are taken for a holiday, it is an expense.

  3. Am I clear about the terms and conditions of loan agreement?
  4. Always look at the fine prints out understand all aspects of the personal loans and repayment.

  5. How am I going to repay the loans?
  6. Understand the consequences if you can't repay the loans. There may be an extra penalty charges can affect your credit score history.

Most importantly choose personal loans only from credible lenders such as banks or insurance companies and ensure your personal loans payment do not constitute more than one-third of your monthly income.





Next right icon  Personal Loan Repayment Options

Depending on your needs, there are different types of loan repayment options available. Most of personal loans come with a fixed monthly instalment payment.


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