HDFC bank offers the lowest interest rates in the market across all segments. As we offer customers an unsecured loan i.e. collateral-free loan, the rate of Interest will be higher as compared to secured products offered by banks.
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When you take a car loan, you can repay it in equated monthly instalments (EMIs) till the end of the repayment tenure. However, if you decide to pay off the outstanding loan amount before your tenure ends, you will be foreclosing or prepaying your loan.
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A home loan is a secured loan taken from a financial institution for the purpose of buying a residential property. You can avail a home loan to buy a ready-to-move in house or apartment or one that is under construction.
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A credit card comes with a specified pre-approved credit limit which can be used by the holder in a month. However, if you are in urgent need of cash, most banks offer you the facility of loans against credit card. Here, you can take a loan against the credit limit which you have been given.
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Gold loan is a form of secured loan, generally sanctioned by financial lending institutions like, where they accept gold ornaments from the customer as security. The amount lent to the customer is a certain percentage of the gold’s value.Typically, you can get up to 75% of the pledged gold’s value as loan amount.
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A mortgage loan is one in which you secure funds by pledging your property. The interest rates on mortgage loans range from 8.15% to 11.80% p.a. Usually, the amount of funding you can avail will be up to 60% of the registered value of the property.
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