{"id":2276,"date":"2023-07-29T10:05:09","date_gmt":"2023-07-29T10:05:09","guid":{"rendered":"http://tvswp.ap-south-1.elasticbeanstalk.com/?p=2276"},"modified":"2026-02-17T09:48:50","modified_gmt":"2026-02-17T04:18:50","slug":"how-to-get-the-best-personal-loan-interest-rates","status":"publish","type":"post","link":"https://www.tvscredit.com/blog/personal-loan/how-to-get-the-best-personal-loan-interest-rates/","title":{"rendered":"How To Get the Best Personal Loan Interest Rates"},"content":{"rendered":"\u003cstyle\u003e.head_h3{    display: inline;    font-weight: bold;    color: #444;    font-size: 1.5rem;    line-height: inherit;    margin: 0;}.h3_cont{    padding-bottom: 2rem;}.h3_cont p{    display: inline;}.pb_2{    padding-bottom: 2rem;}\u003c/style\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Interest rates on personal loans from major lenders typically start at 10.49% p.a. Since public sector banks offer lower interest rates, these banks usually offer the lowest interest rates on personal loans. The loan rates offered by a lender depending on the applicant’s credit history, monthly income, professional profile, etc. To choose the most suitable personal loan offer, you should compare the personal loan rates. Interest rates are offered by as many lenders as possible.\u0027 Localize=\u0027true\u0027\u003eप्रमुख लेंडरकडून पर्सनल लोन्स वरील इंटरेस्ट रेट्स सर्वसाधारण पणे वार्षिक 10.49% पासून सुरू होतात. सार्वजनिक क्षेत्रातील बँक कमी इंटरेस्ट रेट्स देऊ करत असल्याने, या बँक सामान्यपणे पर्सनल लोन्स वर सर्वात कमी इंटरेस्ट रेट्स ऑफर करतात. अर्जदाराचे क्रेडिट रेकॉर्ड, मासिक उत्पन्न, व्यावसायिक प्रोफाईल इ. वर लेंडरद्वारे ऑफर केलेले लोन रेट्स अवलंबून असतात. सर्वात योग्य पर्सनल लोन ऑफर निवडण्यासाठी, तुम्ही पर्सनल लोन रेट्सची तुलना करावी. इंटरेस्ट रेट्स शक्य तितक्या अधिक लेंडरद्वारे ऑफर केले जातात.\u003c/span\u003e\u003c/p\u003e\u003ch2 data-en=\u0027EMI Personal Loan Calculator\u0027 Localize=\u0027true\u0027\u003eईएमआय पर्सनल लोन कॅल्क्युलेटर\u003c/h2\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 Localize=\u0027true\u0027\u003eविविध इंटरेस्ट रेट्स आणि लोन अटींवर तुम्ही लोन कालावधीत किती ईएमआय भरू शकता हे जाणून घेण्यासाठी टीव्हीएस क्रेडिटचे ईएमआय पर्सनल लोन कॅल्क्युलेटर वापरा. ऑनलाईन लोन कॅल्क्युलेटर इंटरेस्ट कॅल्क्युलेटर म्हणूनही काम करते कारण ते तुम्हाला तुमच्या \u003ca style=\u0022display: initial; color: #4472c4;\u0022 href=\u0022/marathi/loans/online-personal-loans/\u0022\u003eऑनलाईन पर्सनल लोन\u003c/a\u003e वर देय असलेले एकूण इंटरेस्ट कॅल्क्युलेट करण्यास मदत करते.\u003c/span\u003e\u003c/p\u003e\u003ch2 data-en=\u0027Fixed Interest Rates\u0027 Localize=\u0027true\u0027\u003eफिक्स्ड इंटरेस्ट रेट्स\u003c/h2\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027A fixed interest rate personal loan means that the interest rate offered remains fixed and does not fluctuate throughout the life of the loan. Fixed interest rates are comparatively higher than variable interest rates. It also describes the certainty of the exact loan EMI that you must pay upfront over the life of the loan.\u0027 Localize=\u0027true\u0027\u003eफिक्स्ड इंटरेस्ट रेट पर्सनल लोन म्हणजे ऑफर केलेला इंटरेस्ट रेट निश्चित असेल आणि संपूर्ण लोनच्या कालावधी दरम्यान त्यामध्ये कोणताही बदल होणार नाही. फिक्स्ड इंटरेस्ट रेट्स व्हेरिएबल्स इंटरेस्ट रेट्सपेक्षा तुलनात्मकरित्या अधिक असतात. याद्वारे अचूक लोन ईएमआय ची सुनिश्चितता देखील लक्षात येते. जे तुम्हाला लोन कालावधी पूर्वी देय करणे आवश्यक असते.\u003c/span\u003e\u003c/p\u003e\u003ch2 data-en=\u0027Benefits of Fixed Interest Rates for Personal Loans\u0027 Localize=\u0027true\u0027\u003eपर्सनल लोनसाठी फिक्स्ड इंटरेस्ट रेट्सचे लाभ\u003c/h2\u003e\u003cul class=\u0022pb_2\u0022\u003e\u003cli style=\u0022font-weight: 400;\u0022 aria-level=\u00221\u0022\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027The interest rate remains constant throughout the term of the loan, regardless of changes in the interest rate regime\u0027 Localize=\u0027true\u0027\u003eइंटरेस्ट रेटच्या व्यवस्थेत काहीही बदल झाले तरी, लोनच्या संपूर्ण कालावधीत इंटरेस्ट रेट स्थिर राहतो\u003c/span\u003e\u003c/li\u003e\u003cli style=\u0022font-weight: 400;\u0022 aria-level=\u00221\u0022\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027The EMI of the loan does not change, providing certainty in liquidity management and budgeting\u0027 Localize=\u0027true\u0027\u003eलोनचा ईएमआय बदलत नाही. ज्यामुळे तुम्हाला लिक्विडिटी आणि बजेट राखण्यात मदत होते\u003c/span\u003e\u003c/li\u003e\u003cli style=\u0022font-weight: 400;\u0022 aria-level=\u00221\u0022\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Interest-rate personal loans will be beneficial during a rising interest-rate regime\u0027 Localize=\u0027true\u0027\u003eवाढत्या इंटरेस्ट-रेट कालावधी दरम्यान इंटरेस्ट-रेट पर्सनल लोन फायदेशीर असतील\u003c/span\u003e\u003c/li\u003e\u003c/ul\u003e\u003ch2 data-en=\u0027Floating Interest Rates\u0027 Localize=\u0027true\u0027\u003eफ्लोटिंग इंटरेस्ट रेट्स\u003c/h2\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Floating Interest Rate Personal Loans generally mean that the interest rate can change over the life of the loan due to borrowing rates. If you choose an adjustable-rate personal loan, be prepared for interest rate changes during the life of the loan.\u0027 Localize=\u0027true\u0027\u003eफ्लोटिंग इंटरेस्ट रेटसह पर्सनल लोनचा अर्थ असा होतो की लोनच्या कालावधीत लोनच्या रेट्समुळे इंटरेस्ट रेट बदलू शकतो. जर तुम्ही समायोज्य-रेट पर्सनल लोन निवडले तर लोनच्या कालावधीत इंटरेस्ट रेट बदलांसाठी तयार राहा.\u003c/span\u003e\u003c/p\u003e\u003ch2 data-en=\u0027Benefits of Floating Interest Rate for Personal Loans\u0027 Localize=\u0027true\u0027\u003eपर्सनल लोनसाठी फ्लोटिंग इंटरेस्ट रेटचे लाभ\u003c/h2\u003e\u003cul class=\u0022pb_2\u0022\u003e\u003cli style=\u0022font-weight: 400;\u0022 aria-level=\u00221\u0022\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Interest rates are comparatively lower compared to fixed interest rates\u0027 Localize=\u0027true\u0027\u003eफिक्स्ड इंटरेस्ट रेट्सच्या तुलनेत इंटरेस्ट रेट्स तुलनात्मकरित्या कमी आहेत\u003c/span\u003e\u003c/li\u003e\u003cli style=\u0022font-weight: 400;\u0022 aria-level=\u00221\u0022\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Having personal loans at variable interest rates would be beneficial during a falling interest rate regime\u0027 Localize=\u0027true\u0027\u003eपरिवर्तनीय इंटरेस्ट रेट्स मध्ये पर्सनल लोन घेणे कमी इंटरेस्ट रेट कालावधी दरम्यान फायदेशीर असेल\u003c/span\u003e\u003c/li\u003e\u003cli style=\u0022font-weight: 400;\u0022 aria-level=\u00221\u0022\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Borrowers would save money due to falling interest costs and would also benefit from falling PMI during a falling interest rate regime.\u0027 Localize=\u0027true\u0027\u003eकर्जदार इंटरेस्ट खर्च कमी होण्यामुळे पैसे सेव्ह करतील आणि इंटरेस्ट रेट कमी होण्याच्या वेळी पीएमआय कपातीचा देखील फायदा होईल.\u003c/span\u003e\u003c/li\u003e\u003cli style=\u0022font-weight: 400;\u0022 aria-level=\u00221\u0022\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Saves you the prepayment fees associated with your personal loan prepayment or foreclosure\u0027 Localize=\u0027true\u0027\u003eतुमच्या पर्सनल लोन प्रीपेमेंट किंवा फोरक्लोजर संबंधित प्रीपेमेंट शुल्कात देखील बचत होते\u003c/span\u003e\u003c/li\u003e\u003c/ul\u003e\u003ch2 data-en=\u0027Tips for getting a Personal Loan at a Minimum Interest Rate\u0027 Localize=\u0027true\u0027\u003eकिमान इंटरेस्ट रेटसह पर्सनल लोन मिळविण्यासाठी टिप्स\u003c/h2\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Here are some important things to keep in mind when getting a low-rate personal loan:\u0027 Localize=\u0027true\u0027\u003eकमी-रेट पर्सनल लोन मिळवताना लक्षात ठेवण्याच्या काही महत्त्वाच्या गोष्टी येथे दिल्या आहेत:\u003c/span\u003e\u003c/p\u003e\u003cul class=\u0022pb_2\u0022\u003e\u003cli style=\u0022font-weight: 400;\u0022 aria-level=\u00221\u0022\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Build and maintain a minimum credit score of 750 or higher\u0027 Localize=\u0027true\u0027\u003eकिमान 750 किंवा त्यापेक्षा जास्त क्रेडिट स्कोअर बनवा आणि मेंटेन करा\u003c/span\u003e\u003c/li\u003e\u003cli style=\u0022font-weight: 400;\u0022 aria-level=\u00221\u0022\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Consult Banks/NBFCs where you already have a deposit and/or loan accounts\u0027 Localize=\u0027true\u0027\u003eतुमच्याकडे यापूर्वीच डिपॉझिट आणि/किंवा लोन अकाउंट असलेल्या बँक/एनबीएफसी सोबत संपर्क साधा\u003c/span\u003e\u003c/li\u003e\u003cli style=\u0022font-weight: 400;\u0022 aria-level=\u00221\u0022\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Track interest rate rebates offered by lenders during the holiday season\u0027 Localize=\u0027true\u0027\u003eसुट्टीच्या हंगामात लेंडरद्वारे देऊ केलेल्या इंटरेस्ट रेट सवलतीचा ट्रॅक घ्या\u003c/span\u003e\u003c/li\u003e\u003cli style=\u0022font-weight: 400;\u0022 aria-level=\u00221\u0022\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Visit online financial markets to review and compare personal loan offers from different lenders\u0027 Localize=\u0027true\u0027\u003eविविध लेंडरकडून पर्सनल लोन ऑफरचा आढावा घेण्यासाठी आणि तुलना करण्यासाठी ऑनलाईन फायनान्शियल मार्केटला भेट द्या\u003c/span\u003e\u003c/li\u003e\u003c/ul\u003e\u003ch2 data-en=\u0027Factors Influencing Personal Loan Interest Rates\u0027 Localize=\u0027true\u0027\u003eपर्सनल लोन इंटरेस्ट रेट्सवर प्रभाव टाकणारे घटक\u003c/h2\u003e\u003cdiv class=\u0022h3_cont\u0022\u003e\u003ch3 class=\u0022head_h3\u0022\u003e\u003cb data-en=\u0027Credit score:\u0027 Localize=\u0027true\u0027\u003eक्रेडिट स्कोअर:\u003c/b\u003e\u003c/h3\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027 A higher credit score may qualify you for a lower interest rate.\u0027 Localize=\u0027true\u0027\u003e उच्च क्रेडिट स्कोअर तुम्हाला कमी इंटरेस्ट रेटसाठी पात्र ठरवू शकतो.\u003c/span\u003e\u003c/p\u003e\u003c/div\u003e\u003cdiv class=\u0022h3_cont\u0022\u003e\u003ch3 class=\u0022head_h3\u0022\u003e\u003cb data-en=\u0027Debt-to-income ratio:\u0027 Localize=\u0027true\u0027\u003eडेब्ट-टू-इन्कम रेशिओ:\u003c/b\u003e\u003c/h3\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027 A lower debt-to-income ratio may make you a more attractive borrower to lenders and may qualify you for a lower interest rate.\u0027 Localize=\u0027true\u0027\u003e कमी डेब्ट-टू-इन्कम रेशिओ तुम्हाला लेंडर्ससाठी अधिक आकर्षक कर्जदार बनवू शकतात आणि कमी इंटरेस्ट रेटसाठी तुम्ही पात्र ठरू शकता.\u003c/span\u003e\u003c/p\u003e\u003c/div\u003e\u003cdiv class=\u0022h3_cont\u0022\u003e\u003ch3 class=\u0022head_h3\u0022\u003e\u003cb data-en=\u0027Loan term:\u0027 Localize=\u0027true\u0027\u003eलोन कालावधी:\u003c/b\u003e\u003c/h3\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027 A shorter loan term may come with a lower interest rate.\u0027 Localize=\u0027true\u0027\u003e कमी लोन कालावधी असल्यास, इंटरेस्ट रेट कमी असतो.\u003c/span\u003e\u003c/p\u003e\u003c/div\u003e\u003cdiv class=\u0022h3_cont\u0022\u003e\u003ch3 class=\u0022head_h3\u0022\u003e\u003cb data-en=\u0027Type of lender:\u0027 Localize=\u0027true\u0027\u003eलेंडरचा प्रकार:\u003c/b\u003e\u003c/h3\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027 Different types of lenders, such as banks, credit unions, and online lenders, may offer different interest rates.\u0027 Localize=\u0027true\u0027\u003e विविध प्रकारचे लेंडर, जसे की बँक, क्रेडिट युनियन आणि ऑनलाईन लेंडर, भिन्न इंटरेस्ट रेट ऑफर करू शकतात.\u003c/span\u003e\u003c/p\u003e\u003c/div\u003e\u003cdiv class=\u0022h3_cont\u0022\u003e\u003ch3 class=\u0022head_h3\u0022\u003e\u003cb data-en=\u0027Collateral:\u0027 Localize=\u0027true\u0027\u003eतारण:\u003c/b\u003e\u003c/h3\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 Localize=\u0027true\u0027\u003e सिक्युअर्ड लोन, जिथे तुम्ही लोनसाठी सिक्युरिटी म्हणून तारण ठेवता, \u003ca href=\u0022https://www.tvscredit.com/marathi/blog/personal-loan/secured-or-unsecured-personal-loans-detailed-guide/\u0022\u003eअनसिक्युअर्ड लोन\u003c/a\u003e पेक्षा कमी इंटरेस्ट रेट असू शकतो.\u003c/span\u003e\u003c/p\u003e\u003c/div\u003e\u003cdiv class=\u0022h3_cont\u0022\u003e\u003ch3 class=\u0022head_h3\u0022\u003e\u003cb data-en=\u0027Economic conditions:\u0027 Localize=\u0027true\u0027\u003eआर्थिक स्थिती:\u003c/b\u003e\u003c/h3\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027 Interest rates may be influenced by broader economic conditions, such as the Federal Reserve\u0026#8217;s monetary policy.\u0027 Localize=\u0027true\u0027\u003eफेडरल रिझर्व्हच्या आर्थिक धोरणासारख्या विस्तृत आर्थिक स्थितींमुळे इंटरेस्ट रेट्सवर प्रभाव पडू शकतो.\u003c/span\u003e\u003c/p\u003e\u003c/div\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027It\u0026#8217;s important to shop around and compare rates from multiple lenders to find the best deal on a personal loan. Download the TVS Credit Sathi App to get easy personal loans from TVS Credit.\u0027 Localize=\u0027true\u0027\u003eपर्सनल लोनवर सर्वोत्तम डील शोधण्यासाठी एकाधिक लेंडरनी ऑफर केलेल्या ऑफर पाहणे आणि इंटरेस्ट रेट्सची तुलना करणे महत्त्वाचे आहे. टीव्हीएस क्रेडिटमधून सहज पर्सनल लोन्स मिळविण्यासाठी टीव्हीएस क्रेडिट साथी ॲप डाउनलोड करा.\u003c/span\u003e\u003c/p\u003e\u003ch2 data-en=\u0027Top personal loan benefits\u0027 Localize=\u0027true\u0027\u003eटॉप पर्सनल लोन लाभ\u003c/h2\u003e\u003cdiv class=\u0022h3_cont\u0022\u003e\u003ch3 class=\u0022head_h3\u0022\u003e\u003cstrong data-en=\u0027Hassle-Free Documentation\u0027 Localize=\u0027true\u0027\u003eत्रासमुक्त डॉक्युमेंटेशन\u003c/strong\u003e\u003c/h3\u003e\u003c/div\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027One of the most significant benefits of a personal loan is minimal documentation. In the case of an online application, the documentation is digital. You can upload the required documents together with your application form. The process is entirely electronic.\u0027 Localize=\u0027true\u0027\u003eपर्सनल लोनचा सर्वात महत्त्वाचा लाभ म्हणजे किमान डॉक्युमेंटेशन. ऑनलाईन ॲप्लिकेशनच्या बाबतीत, डॉक्युमेंटेशन डिजिटल आहे. तुम्ही तुमच्या ॲप्लिकेशन फॉर्मसह आवश्यक डॉक्युमेंट्स एकत्रितपणे अपलोड करू शकता. ही प्रोसेस पूर्णपणे इलेक्ट्रॉनिक आहे.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Some lenders like TVS Credit also offer a door-to-door document collection service. For the process, banks and financial institutions require that you provide proof of age, address, bank account details, payslips, income tax returns, credit history, etc.\u0027 Localize=\u0027true\u0027\u003eटीव्हीएस क्रेडिट सारखे काही लेंडर घरपोच डॉक्युमेंट कलेक्शन सर्व्हिस देखील ऑफर करतात. या प्रोसेससाठी, बँक आणि फायनान्शियल संस्थाना वयाचा पुरावा, ॲड्रेस, बँक अकाउंट तपशील, पे-स्लिप, इन्कम टॅक्स रिटर्न्स, क्रेडिट रेकॉर्ड यांची आवश्यकता भासू शकते.\u003c/span\u003e\u003c/p\u003e\u003cdiv class=\u0022h3_cont\u0022\u003e\u003ch3 class=\u0022head_h3\u0022\u003e\u003cstrong data-en=\u0027Fast Pay-out\u0027 Localize=\u0027true\u0027\u003eजलद पे-आऊट\u003c/strong\u003e\u003c/h3\u003e\u003c/div\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Paying off a home loan takes about 3-4 weeks. In contrast, a personal loan only takes 24 to 72 hours. Hence, they are the best financial product to meet urgent payment or cash needs. However, you must meet the eligibility criteria and have good credit for your loan to be disbursed quickly.\u0027 Localize=\u0027true\u0027\u003eहोम लोन भरण्यासाठी जवळपास 3-4 आठवडे लागतात. त्याऐवजी, पर्सनल लोनसाठी केवळ 24 ते 72 तास लागतात. त्यामुळे, त्वरित पेमेंट किंवा कॅश गरजा पूर्ण करण्यासाठी ते सर्वोत्तम फायनान्शियल प्रॉडक्ट आहेत. तथापि, तुम्ही पात्रता निकषांची पूर्तता करणे आवश्यक आहे आणि तुमचे लोन त्वरित डिस्बर्स होण्यासाठी चांगले क्रेडिट असणे आवश्यक आहे.\u003c/span\u003e\u003c/p\u003e\u003cdiv class=\u0022h3_cont\u0022\u003e\u003ch3 class=\u0022head_h3\u0022\u003e\u003cstrong data-en=\u0027No Collateral Required\u0027 Localize=\u0027true\u0027\u003eतारणाची गरज नाही\u003c/strong\u003e\u003c/h3\u003e\u003c/div\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Personal loans are unsecured loans. You are, therefore, not required to provide any security for any default or non-payment by you of any charges. This characteristic of personal loans makes them accessible to anyone with a steady source of income and a good credit history will help you with debt consolidation\u0027 Localize=\u0027true\u0027\u003eपर्सनल लोन्स हे अनसिक्युअर्ड लोन्स आहेत. त्यामुळे, तुम्हाला कोणत्याही शुल्काद्वारे कोणत्याही डिफॉल्ट किंवा नॉन-पेमेंटसाठी कोणतीही सिक्युरिटी प्रदान करण्याची आवश्यकता नाही. पर्सनल लोनची ही वैशिष्ट्ये स्थिर उत्पन्नाचा स्त्रोत असलेल्या कोणालाही उपलब्ध होतात आणि सर्वोत्तम क्रेडिट रेकॉर्ड तुम्हाला लोन्सच्या एकत्रिकरणात सहाय्य करेल\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Another key benefit of personal loans is their ability to pay off debt. If you have debt, such as secured loans or high-yield credit cards, you can use a personal loan to pay off payments and eliminate liabilities from your portfolio. Personal loan interest rates are lower than credit card rates. Therefore, you can also pay off high-interest debts with a low-interest financial product.\u0027 Localize=\u0027true\u0027\u003eपर्सनल लोन्सचा दुसरा महत्त्वाचा लाभ म्हणजे लोन्स अदा करण्याची क्षमता होय. जर तुमच्याकडे सिक्युअर्ड लोन किंवा उच्च उत्पन्न क्रेडिट कार्ड सारखे लोन असेल तर तुम्ही पेमेंट भरण्यासाठी आणि तुमच्या पोर्टफोलिओमधून दायित्व दूर करण्यासाठी पर्सनल लोन्सचा वापर करू शकता. पर्सनल लोन इंटरेस्ट रेट्स क्रेडिट कार्ड रेट्स पेक्षा कमी आहेत. त्यामुळे, तुम्ही कमी इंटरेस्ट फायनान्शियल प्रॉडक्ट सह उच्च-इंटरेस्ट कर्ज देखील भरू शकता.\u003c/span\u003e\u003c/p\u003e\u003cdiv class=\u0022h3_cont\u0022\u003e\u003ch3 class=\u0022head_h3\u0022\u003e\u003cstrong data-en=\u0027Versatility\u0027 Localize=\u0027true\u0027\u003eवैविध्यपूर्ण\u003c/strong\u003e\u003c/h3\u003e\u003c/div\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027When it comes to utilizing a loan, nothing beats personal loans. Banks and lenders do not impose any limitations or restrictions on end use. This is one of the most beneficial facets of a personal loan. You can use the borrowed money to plan your dream vacation, pay off other debts, buy luxury gadgets and accessories, or celebrate a big wedding. Personal loans also help cover medical expenses in emergencies.\u0027 Localize=\u0027true\u0027\u003eजेव्हा लोनच्या उपयोजनाची वेळ येते. तेव्हा पर्सनल लोन्सचा पर्याय वरचढ ठरतो. बँक आणि लेंडर अंतिम वापरावर कोणतीही मर्यादा किंवा निर्बंध लागू करत नाहीत. हा पर्सनल लोनचा सर्वात फायदेशीर घटक आहे. तुम्ही तुमच्या स्वप्नातील सुट्टीचे प्लॅन करण्यासाठी, अन्य लोन भरण्यासाठी, लक्झरी गॅजेट्स आणि ॲक्सेसरीज खरेदी करण्यासाठी किंवा मोठा लग्नसमारंभ साजरा करण्यासाठी कर्ज घेतलेले पैसे वापरू शकता. पर्सनल लोन्स आपत्कालीन परिस्थितीत वैद्यकीय खर्च कव्हर करण्यास देखील मदत करतात.\u003c/span\u003e\u003c/p\u003e\u003cdiv class=\u0022h3_cont\u0022\u003e\u003ch3 class=\u0022head_h3\u0022\u003e\u003cstrong data-en=\u0027Build Credit Score\u0027 Localize=\u0027true\u0027\u003eक्रेडिट स्कोअर बनवा\u003c/strong\u003e\u003c/h3\u003e\u003c/div\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Affordable personal loans are a great way to improve your credit score, especially if you are new to credit or have a low credit score. You can take advantage of these at attractive interest rates and repay them with a flexible loan term. Because you pay your EMI and interest on time, your credit score continues to improve\u0027 Localize=\u0027true\u0027\u003eतुमचा क्रेडिट स्कोअर सुधारण्यासाठी परवडणारे पर्सनल लोन्स एक उत्तम मार्ग आहे, विशेषत: जर तुम्ही क्रेडिट करण्यासाठी नवीन असाल किंवा क्रेडिट स्कोअर कमी असेल. तुम्ही याचा लाभ आकर्षक इंटरेस्ट रेट्सवर घेऊ शकता आणि त्यांना फ्लेक्सिबल लोन कालावधीसह परतफेड करू शकता. कारण तुम्ही तुमचा ईएमआय आणि इंटरेस्ट वेळेवर अदा करता. त्यामुळे तुमचा क्रेडिट स्कोअर नियमित सुधारित होत राहतो\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027But remember to take out a loan within your ability to pay. Failure to pay the EMI on the loan and you lose EMI can negatively affect your credit score.\u0027 Localize=\u0027true\u0027\u003eपरंतु तुमच्या देय करण्याच्या क्षमतेमध्ये लोन घेणे लक्षात ठेवा. लोनवरील ईएमआय भरण्यात अयशस्वी झाल्यास तुमच्या क्रेडिट स्कोअरवर नकारात्मक परिणाम होऊ शकतो.\u003c/span\u003e\u003c/p\u003e\u003cdiv class=\u0022h3_cont\u0022\u003e\u003ch3 class=\u0022head_h3\u0022\u003e\u003cstrong data-en=\u0027Flexible Term\u0027 Localize=\u0027true\u0027\u003eफ्लेक्सिबल कालावधी\u003c/strong\u003e\u003c/h3\u003e\u003c/div\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027One of the advantages of personal loans that attract borrowers is a flexible repayment schedule. The term starts at 12 months and can be up to 7 years.\u0027 Localize=\u0027true\u0027\u003eकर्जदारांना आकर्षित करणाऱ्या पर्सनल लोन्सचा लाभ म्हणजे सुविधाजनक रिपेमेंट शेड्यूल होय. टर्मची सुरुवात 12 महिन्यांपासून होते आणि 7 वर्षांपर्यंत असू शकते.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Therefore, you can choose an investment that suits your finances and needs and allows you to optimize your monthly expenses according to your needs. A longer hold means lower EMI.\u0027 Localize=\u0027true\u0027\u003eत्यामुळे, तुम्ही तुमच्या फायनान्स आणि गरजांसाठी अनुकूल आणि तुमच्या गरजांनुसार तुमचा मासिक खर्च ऑप्टिमाईज करण्याची परवानगी देणारी इन्व्हेस्टमेंट निवडू शकता. दीर्घ कालावधी म्हणजे कमी ईएमआय.\u003c/span\u003e\u003c/p\u003e\u003cdiv class=\u0022h3_cont\u0022\u003e\u003ch3 class=\u0022head_h3\u0022\u003e\u003cstrong data-en=\u0027Attractive interest rates\u0027 Localize=\u0027true\u0027\u003eआकर्षक इंटरेस्ट रेट\u003c/strong\u003e\u003c/h3\u003e\u003c/div\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Personal loans are available at competitive interest rates. As a result, you can enjoy affordable EMI. The interest rate is usually fixed. Your EMIs are also fixed for the life of the loan, and you don\u0026#8217;t have to worry about changing interest rates.\u0027 Localize=\u0027true\u0027\u003eपर्सनल लोन्स हे स्पर्धात्मक इंटरेस्ट रेट्स वर उपलब्ध आहेत. परिणामी, तुम्ही माफक ईएमआय चा आनंद घेऊ शकता. इंटरेस्ट रेट सामान्यपणे फिक्स्ड असतो. तुमचे ईएमआय देखील लोनच्या कालावधी साठी फिक्स्ड केले जातात आणि तुम्हाला इंटरेस्ट रेट बदलण्याविषयी काळजी करण्याची गरज नाही.\u003c/span\u003e\u003c/p\u003e\u003cdiv class=\u0022h3_cont\u0022\u003e\u003ch3 class=\u0022head_h3\u0022\u003e\u003cstrong data-en=\u0027Tax advantages\u0027 Localize=\u0027true\u0027\u003eटॅक्स फायदे\u003c/strong\u003e\u003c/h3\u003e\u003c/div\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Depending on how the funds are used, you can claim tax allowances for your private loan.\u0027 Localize=\u0027true\u0027\u003eफंडच्या वापरावर आधारित तुम्ही तुमच्या प्रायव्हेट लोनसाठी टॅक्स भत्ता क्लेम करू शकता.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027For example, if you are using the loan to renovate or build a house, or to make a down payment on a house, you are entitled to a Section 24B tax deduction of up to Rs 2 lakhs for interest paid during a financial year. However, other use cases are subject to additional terms and conditions. Submit the required documents to understand how you can enjoy tax benefits on your personal loans.\u0027 Localize=\u0027true\u0027\u003eउदाहरणार्थ, जर तुम्ही घराचे रिनोव्हेशन किंवा बांधकामासाठी लोन वापरत असाल किंवा घरावर डाउन पेमेंट करण्यासाठी, तर तुम्ही फायनान्शियल वर्षादरम्यान भरलेल्या इंटरेस्ट रेट साठी ₹2 लाखांपर्यंत सेक्शन 24B टॅक्स कपातीस पात्र असाल. तथापि, अन्य वापराची प्रकरणे अतिरिक्त अटी व शर्तींच्या अधीन आहेत. तुम्ही तुमच्या पर्सनल लोन्सवर टॅक्स लाभांचा आनंद कसा घेऊ शकता हे समजून घेण्यासाठी आवश्यक डॉक्युमेंट्स सबमिट करा.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Personal loans are in high demand these days. Before you decide on a personal loan, make sure that the amount used matches your payment capability. Please also read all General Terms and Conditions carefully. Many lenders, financial technology companies like TVS Credit, and banks offer personal loans.\u0027 Localize=\u0027true\u0027\u003eपर्सनल लोन्सच्या मागणीत दिवसागणिक वाढ होते आहे. तुम्ही पर्सनल लोनचा निर्णय घेण्यापूर्वी, वापरलेली रक्कम तुमच्या पेमेंट क्षमतेशी जुळत असल्याची खात्री करा. कृपया सर्व सामान्य अटी व शर्ती काळजीपूर्वक वाचा. अनेक लेंडर, टीव्हीएस क्रेडिट आणि बँक सारख्या फायनान्शियल टेक्नॉलॉजी कंपन्या पर्सनल लोन्स देतात.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\u0022font-weight: 400;\u0022 data-en=\u0027Now that you are well-informed on all the aspects of a Personal Loan. So, wait no more and apply Digital Personal Loan from TVS Credit\u0027 Localize=\u0027true\u0027\u003eआता तुम्हाला पर्सनल लोन बाबत संपूर्ण संकल्पना निश्चितच ज्ञात झाल्या असतील.. त्यामुळे, आता प्रतीक्षा करू नका आणि टीव्हीएस क्रेडिटमधून डिजिटल पर्सनल लोनसाठी अप्लाय करा\u003c/span\u003e\u003c/p\u003e","protected":false},"excerpt":{"rendered":"\u003cp data-en=\u0027Interest rates on personal loans from major lenders typically start at 10.49% p.a. Since public sector banks offer lower interest rates, these banks usually offer the lowest interest rates on personal loans. The loan rates offered by a lender depending on the applicant’s credit history, monthly income, professional profile, etc. To choose the most suitable [\u0026hellip;]\u0027 Localize=\u0027true\u0027\u003eप्रमुख लेंडरकडून पर्सनल लोन्स वरील इंटरेस्ट रेट्स सर्वसाधारण पणे वार्षिक 10.49% पासून सुरू होतात. सार्वजनिक क्षेत्रातील बँक कमी इंटरेस्ट रेट्स देऊ करत असल्याने, या बँक सामान्यपणे पर्सनल लोन्स वर सर्वात कमी इंटरेस्ट रेट्स ऑफर करतात. अर्जदाराचे क्रेडिट रेकॉर्ड, मासिक उत्पन्न, व्यावसायिक प्रोफाईल इ. वर लेंडरद्वारे ऑफर केलेले लोन रेट्स अवलंबून असतात. निवडा सर्वाधिक योग्य [...]\u003c/p\u003e","protected":false},"author":12,"featured_media":10017,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"स्टँडर्ड","meta":{"_acf_changed":false,"footnotes":""},"categories":[53],"tags":[],"class_list":["post-2276","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loans"],"acf":[],"yoast_head":"\u003c!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https://yoast.com/wordpress/plugins/seo/ --\u003e\u003ctitle data-en=\u0027How to Get Best Loan Rates for Personal Loans? 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