Loan from the bank - International

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What are the five basic things to take into consideration from taking a loan from the bank?

In case of fixed interest rate bank loan, the interest rates remain the same for the entire period of the loan. Interest rates in variable loan rates are linked to the marginal cost of lending rates (MCLR) and changes occur in them.

Given the low-interest rates environment at present, you have the advantage in variables rates when interest rates fall further. When you are watching that interest rates are expected to increase, then you should immediately shift to the fixed rate of the interest rate.

Many banks offer flexible schemes with mortgage loans. In this, you can deposit additional amount in the savings / Current Account in the bank instead of repaying the loan amount. This account is linked to your home loan account. While calculating interest, the loaning bank does not add interest on the amount deposited in your account and adds interest only on the outstanding principal, which would reduce the burden of bank loan on you. You can also withdraw the deposit amount in your account according to your need.