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Loans...

Human Life is full of challenges and surprises. In our normal routine life some times unexpected happens, and that at times comes with a hefty price tag. Maybe your car breaks down or your child needs help paying for college or you suddenly feel the need for a luxury vacation or you just want to consolidate your debts.

Personal Loan
A personal loan is a loan that can be designed for any sort of personal expenses. There are two types of personal loans available: secured personal loans and unsecured personal loans. A secured personal loan is one that uses collateral, such as a house or car, till repay the loan. To be eligible for unsecured personal loans, which are by far much more common, you don’t need to put up any kind of collateral. You can apply for a personal loan at any bank, agency, or other official lender.

Home Loan
Home Loan is offered to individuals who wish to purchase or construct a house. The property is mortgaged to the lender as a security till the repayment of the loan. The bank or financial institution will hold the title or deed of the property till the loan has been paid back with the interest due for it.
Through a Home Loan, one can purchase or construct a new house/apartment; a Home Improvement loan is offered to those who wish to renovate their houses; a Home Extension loan is for consumers planning to add extra space to their house such as a new room or a new wing; A Land Purchase Loan is provided to consumers buying land as an investment, maybe to build a house later on and a Balance transfer loan is basically a home loan to pay off an existing home loan as this enables you to avail a loan with a lower interest rate.

Loan Against Property
A loan against property (LAP) is exactly what the name implies - a loan given or disbursed against the mortgage of property. The loan is given as a certain percentage of the property's market value and offered for a individuals seeking loan against an already existing property.
Loan against property belongs to the secured loan category where the borrower gives a guarantee by using his property as security.

 
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