Top-up home loan: Is it a better option than gold or personal loan?

It is advisable to use EPF money to reduce home loan when the home loan interest rate is higher than the dividend rate of EPF. At present, homeloan rate is about 4.5-7%, depends on your package and loan amount.

 · Personal loans don’t generally offer a zero interest promotional period, but the interest rate on personal loans may be lower than a credit card’s standard interest rate. One example is SoFi’s personal loans, which have a fixed-rate range of 5.5 (with automatic payments) to 10.24 percent based on the loan’s terms and your financial profile.

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Banks which give personal loan to customers offer a top up to its customer after 9-18 months of the sanction date. Under this programme, Bank identifies following points. No EMI is Due. No cheque bounces or EMI bounces. Cibil of the customer to check whether he has taken more loans. Job stability etc.

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You can use these tricks not just for home loans but for other loans too such as car loans, personal loans etc. These loans are much more expensive than home loans. Hence, overall interest saving is likely to be much higher. However, typically these loans are fixed rate loans. Hence, you may have to pay pre-payment penalty as per your loan.

A fixed home loan, which can be changed every few years, will definitely wipe out the very spirit of such a loan. Experts agree on the fact fixed rates are a better option if the economic scenario.

They are usually not considered for a more specific purpose such as buying a home or car. Personal loans are installment loans which means if you are approved by the lender, you will receive a lump sum of cash that you will need to repay in a certain amount of time as dictated by the lender.. You can research loan options on Credit.com at.

Here’s one more option you might consider. while also being permitted to remain in the home for as long as you can. It’s technically a loan, though. You typically borrow less than the home is worth.

If your payment is going to be a little late one month, you’re much better off contacting the mortgage lender and notifying them directly rather than contacting the VA. If you qualify for a VA home.