Are you thinking of taking a loan? So the alternative is also the best

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Image: Freepik

New delhi date. 27 November 2023, Monday

If you are also thinking of taking a loan or you need money, now you don't need to take tension at all. Whenever a problem arises, people first think of taking a loan. But people understand that they can take loans from banks.

Now you can take a loan that puts less burden on your pocket. Interest rates on personal loans are very high, due to which customers have to pay huge interest.

These three loans can be taken

Gold Loan

If you don't have FD or PPF account then the best option for you is gold loan. You can take gold loan instead of personal loan. According to the State Bank website, you will not have to pay any kind of processing fee on loans up to Rs 3 lakh. Gold loans are considered safe. Currently, gold loans in State Bank will start at 8.70 percent. In which you can take loan against your gold.

FD Loan

You can also take a loan against Gold Loan, FD Loan and Public Provident. The interest rate in this is lower as compared to other loans.

Do you know that you can also take a loan on the FD made by you. If you have FD in any bank, you can take loan on it instead of personal loan. You can get around 90 to 95 percent of the total value of your bank FD as a loan. In which you don't have to pay any processing fee. The interest rate on this is 1 to 2 percent higher than the interest on FD, so it is cheaper than a personal loan.

Loan against Public Provident Fund Account

If you have invested your money in Public Provident Fund then you can take loan against your Public Provident Fund. If you have invested money in PPF then you can avail it. For this your PPF account should be around 1 year old. You can get loan based on the amount deposited in your account. Currently the interest rate on PPF is 7.1 percent. At the same time, the loan is being given interest at the rate of 8.1 percent.

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