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Pro Tips on How to Manage Your Personal Loan EMI Payments!

Ina L. McManus by Ina L. McManus
January 26, 2022
in Finance
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In a financial emergency, a personal loan can save the day. A personal loan, unlike other loans, is an unsecured loan. Hence, a borrower is not required to furnish any collateral as security. Furthermore, the loan can be used for personal purposes, including paying medical costs, remodeling your home, or sponsoring a major event. However, while getting a personal loan is simple for most people, paying back can be challenging. Most people are so preoccupied with their daily lives that arranging for their loan repayment falls to the bottom of their priority list. This, however, is not a sound financial strategy. Hence, here are some tips for managing your loan EMI payments efficiently.

Personal Loan EMI Payments

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Article Summary show
Opt For a Longer Loan Tenure
Negotiate With Your Lender
Apply With Your Savings Bank Account

Opt For a Longer Loan Tenure

The EMI amount is inversely proportional to the loan length of your loan. The longer the loan term, the lower the EMI, and vice versa. If you don’t want your EMIs to become a financial burden in the future, you can choose a longer loan term when you apply for your loan. Resultantly, your EMI amount may be drastically reduced, thereby making it easier to manage each month. You can use the free personal loan EMI calculator to know your monthly installments before you even opt for a loan.

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Negotiate With Your Lender

A Credit Information Bureau (India) Limited (CIBIL) score determines a borrower’s creditworthiness. It’s a three-digit number that reflects your previous credit history. Generally, a CIBIL score of 700 or higher is regarded as good. Borrowers with high CIBIL scores are more likely to get approved for a personal loan. A borrower can also get personal loans with cheap interest rates if they have a decent CIBIL score. A high CIBIL score also shows the borrower that you are trustworthy. Thus, if the borrower requests an extension of the EMI payment date or the loan term, the loan provider may grant the request based on the applicant’s previous credit history and high CIBIL score.

Apply With Your Savings Bank Account

If you’re already a customer of a particular bank, availing of a personal loan from the same bank is a good idea. Having a good relationship with your bank will benefit you; they may decide to retain and offer you a reduced interest rate, thus allowing you to pay cheaper EMIs.

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Getting a personal loan and paying back EMIs can be comfortable if you follow these pro tips. Moreover, after reading these tips, you can opt for a hassle-free personal loan that disburses the amount directly in your account in the shortest period. You can also choose the loan tenure from 1 to 5 years; top-up features and the application process are quick so that you can enjoy your loan almost instantly. However, ensure to check your eligibility criteria before applying for a personal loan.

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Ina L. McManus

Ina L. McManus

Hi,This is Ina who works hard for this website and love to share the news in my website. You are most welcome to contact me anytime you want.I am always dedicated and well researched person.

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