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Secured or unsecured loan? These 5 points may help you decide

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There are a couple factors that go into deciding on a secured vs. unsecured loan. A secured loan is normally easier to get, as there's less risk to the lender. If you have a poor credit history or you’re rebuilding credit score, lenders will be more likely to consider you for a secured loan than an unsecured loan.  

SECURED LOAN VS. UNSECURED LOAN: WHAT’S THE DIFFERENCE? 

When you’re borrowing money, you'll likely need to make a decision about a secured loan vs. unsecured loan. What's the difference? To be a sma

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How to apply for a credit card in just 6 steps

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Applying for your first credit card? Getting credit for the first time isn't always easy. Most creditors want you to have credit before they'll give you credit, which makes it kind of tough to get started. Once you've gotten credit for the first time, the next time will be a little easier. 
The best way to start is with a basic card with no annual fees, low spending limit that is suitable for your current income level. Don’t aim for the premium or super premium cards which have a much higher eligibility and have hefty annual fees. Use your first card to create a healthy c

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Got good credit score? Get cheaper home loan

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Highlights: 

  • Banks would reward ‘good borrowers’ by giving them a differential pricing on their home loan interest rates based on their credit scores. 
  • The credit score lies in the range of 300-900 depending on the repayment and credit management history. Higher the score, higher the chances of securing a credit(loan). 
  • With more information flowing in from non-banking financial companies and other finance institutions to credit bureaus, banks will now have more comprehensive set of data to assess  
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