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The Personal Bank Loan Jargon

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

What you need to know about the personal loans. There will be many jargon words that may seem unfamiliar when you are choosing a bank loan.

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1. Actual Annual Percentage Rate

Actual annual percentage rate is the actual cost of borrowing and its interest calculated based on the declining principal balance over the loans tenure. This means that you make monthly repayments; the principal balance is reduced every month.

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2. Loan Tenure

When you considering loan tenure, it is advisable for you to take the monthly repayment commitment into consideration and take up an appropriate loan tenure based on your monthly cash flow. All the personal loan terms and conditions including computation of early settlement fees, late payment penalties, are clearly stated in all personal loan agreements.

3. Late Payment

Most personal loans stipulate late payment fees. You should go through all the terms and conditions of loan agreements thoroughly to ensure that you have clear understanding of the agreement, including conditions such as fees incurred for late payment.

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