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Summary: Often, while availing a personal loan, we limit our assessment to interest rate alone. There are many more things you should watch out for, lest you avail of a personal loan that isn’t right for you!
A personal loan can be a saviour when you are faced with a financial crunch and need access to funds quickly and with minimal hassle. Many times, personal loans become the last resort for many individuals. In a rush to get a Personal Loan quickly, many people consider the approval/ disbursement time and the interest rates charged.
However, there are several other factors that you need to look out for to ensure that you are not trapped with a personal loan that isn’t right for you!
Compared to other loans, personal loans usually have higher interest rates because they are provided without collateral. This makes it essential to check the repayment tenure offered by the bank or NBFC. Extremely short tenures at high interest rates could cause a burden in the long run.
IDFC FIRST Bank’s Personal Loan EMI calculator can help you assess the financial commitment you are making. The bank also offers personal loans which you can apply from IDFC FIRST Website or from mobile banking app and get tenures up to 60 months, thereby ensuring that you can repay the debt without too much stress on your financial capabilities
By adding your child as a nominee, you ensure that your child gets access to your money in your absence. However, there are two things to note here:
If you worry about your loved ones and their financial security in your absence, you should consider adding them as beneficiaries or nominees on your account. You can add a parent or even a sibling to your bank account as the nominee.
Life is ever-changing, and so are relationships. Many a time, unexpected curveballs can change your marital status. It is essential to reflect the same in your financial planning as well. If your spouse was your previous nominee and you got divorced, you may want to remove their name. In such a case, you must immediately add a new bank account nominee. Additionally, if you lose your spouse, it may be prudent to put someone else's name. In the case of remarriage, you may want to add your new spouse's name. No matter the situation, ensuring you have a nominee is critical.
Here are some things you can consider when selecting a nominee:
These are a few key instances in life where adding a nominee can not only help you be at peace but significantly help your loved ones in trying times too. Bank account nomination is a small but critical step toward financial planning – one that you should not ignore for too long.
Disclaimer
The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.
The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirstbank.com for latest updates.