লোন (Loan) আবেদন করার আগে কি জানেন এই 7 টি বিষয়গুলি ?

Paying off a loan before its scheduled tenure—also known as loan prepayment—can be a great financial decision in some cases, but it also comes with potential downsides. Before making a lump sum payment towards your loan, it is essential to understand the benefits, drawbacks, and best strategies for early repayment. In this guide, we will…

Applying for a loan requires submitting the right set of documents to verify your identity, income, and financial stability. Below is a comprehensive checklist based on your employment type and loan category to ensure a smooth and hassle-free loan application. Loan Documentation Checklist Based on Employment Type For Salaried Employees: Document Type Required Documents Identity…

When taking a loan, most borrowers focus on the interest rate and EMI amount but often overlook the hidden charges that lenders impose. These charges can increase the total cost of borrowing and impact your repayment strategy. In this article, we will break down:✔ Processing Fees✔ Prepayment & Foreclosure Penalties✔ Other Hidden Loan Charges✔ How…

Introduction A No Objection Certificate (NOC) is one of the most crucial documents a borrower must obtain after fully repaying a loan. Many people neglect this final step, assuming that once their last EMI is paid, their financial obligations are over. However, failing to secure a loan NOC can lead to issues such as incorrect…

When applying for a loan, borrowers often come across two major charges: log-in fees and processing fees. While both are upfront costs, they serve different purposes. Understanding these fees is crucial to avoid unnecessary expenses and make informed borrowing decisions. 1. What is a Log-In Fee? A log-in fee is a non-refundable charge paid at…

A No Objection Certificate (NOC) is a crucial document that proves you have fully repaid your loan, and the lender has no claims against you. However, some borrowers face delays or even refusals from banks when requesting their NOC. So, can a bank legally refuse to give you an NOC? No, they cannot—if you have…