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Personal Loan

Unlike an education loan, a personal loan can be used to pay for more than just tuition fees. You may use your personal loan to pay for essential student equipment such as mobiles, laptops and tablets, additional textbooks and reference material, food and transport costs, and even off-campus living arrangements.
Processing time for personal loan varies for each bank. On average, it takes 14 days from the application date until the loan is disbursed. However, several banks can process your loan only in 2-3 days. Other thing that affect processing time is historical credibility of debtors. If the debtors have previously taken a loan from a bank and repayed it on time, then the next time they look to borrow they may get approved faster.

First is annual fee. Banks usually charge an annual fee for the first year and the following year. For the first year, bank will charge you a certain percent of fee from the total loan value upfront, and will be deducted from your loan value. The following years, bank will charge fixed annual fee, which must paid on the 13th of the month, the 25th, and so on.

Second is administration fee. Bank will charge this fee upfront, usually deducted from the initial loan value.

Third is loan disbursement transfer fee. Banks will charge this fee upfront, usually deducted from the initial loan value.

Fourth is late payment fee. Banks will charge you if you failed to pay the instalment until deadline.

Fifth, early repayment/cancellation fee. The bank will charge a certain percentage from the total loan value that has not yet been repaid. However, some loan providers may waive this fee.

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