Affin Bank Personal Loan: Fill & Download for Free

In other cases, the funds that you are in need of may not be covered by what a Personal Loan can offer. In such circumstances, it could be a useful remedy to opt for a secured loan- either a loan against property or a gold loan. If you are caught in a dilemma on which one you should go for, worry not! Here is a useful comparison of gold loans and loans against property, which will help you comprehend the one that would suit you better, given that every person has means and needs.Gold LoansThe Indian population does share a rather distinctive affinity towards gold. Each family, no matter what their financial status is, makes it a point to invest in keeping some amount of gold jewellery as a treasured possession. This is a great back-up asset indeed, as gold loans can offer instant liquidity to these gold articles, without having to sell them altogether, if one is just willing to pledge it as collateral in times of a crisis.Advantages and Disadvantages of Gold LoansGold loans, which were once a very common loan medium, have not been as popular over recent years. However, in the current crisis situation, they are certainly regaining popularity by leaps and bounds, Here are some of its characteristics that you need to consider before opting for a loan against gold.Easy availability: It is easy to get a Gold loan, which makes it an ideal option during an urgent need for funds. Presently, most banks and NFBCs offer loans against gold. The time taken to process a gold loan is pretty short, which means you could get the gold loan amount disbursed within a few hours. This translates into an instant loan facility.Flexible repayment options: As opposed to other loan types, lenders offer many flexible schemes on gold loans. For instance, you could pay only the interest component during the loan tenure and pay principal at the end of it. The absence of a prepayment fee makes it all the more accessible for people of different financial means. Find out more on the different ways you can repay gold loans over here.Less consequences: Even if it comes to the worst, in that you are incapable of repaying the loan, the lender can recover its dues by taking possession of the pledged gold. The lender as well as the borrower is faced with a straightforward solution to the recovery problem, as opposed to the case of a loan against property, where the property has to be sold for a price worth the loan. The situation is even more inconvenient in the case of unsecured loans like Personal Loans.Interest rates: Gold Loans have relatively low interest rates, as compared to personal loans. However, the rates tend to be higher than that of a Loan against Property, as Gold Loans are secured with comparatively less substantial collateral.Low LTV and short tenure: The Reserve Bank of India does not allow NBFCs to offer loans with Loan-To-Value ratio above 75%. So, if you mortgage gold ornaments worth Rs. 10 thousand, at best you can get only a loan of up to Rs. 7,500. Along with the processing fee and miscellaneous charges, the final amount that you get in hand would be fairly reduced. Gold loans also offer a maximum tenure of 1 year. Hence, make sure you take a gold loan only if you can repay the amount within the short tenure.Loan against PropertyIf you have any property registered in your name, you could opt for a loan against your property to finance any of your needs. The value of the loan is calculated according to the market value of the property, as well as your repayment capability.Advantages And Disadvantages of Loan Against PropertyLower interest rates: Since LAPs are secured loans with substantial collateral as security, lenders are willing to offer much lower interest rates. As compared to that of Personal Loans or Gold Loan this can be quite less.Tiresome loan procedure: While going for an LAP, the lenders often take quite a lot of time to evaluate the market value of your asset, review the legal documents, and to conduct other background checks such as assessing your repayment capability. As this takes time, you cannot expect to get a loan instantly even in the face of an emergency situation.Chances of higher financial stress: On Home Loans, you get some tax advantages while paying EMIs. However, the same is not applicable for an LAP. Once you get a Loan against Property, there are several stringent terms and conditions that you have to abide by. Missing payment of EMIs or making late payments could result in a penalty, as per which you could suffer heavy losses.Non-repayment woes: In a worst case scenario, if you find yourself in a position where you cannot repay the loan, the lender has the right to take over possession of your property, and then auction it in order to recover its dues. This is certainly a heavier blow to the borrower, than in the case of losing a few gold ornaments.

He doesn't know just how much trouble he's in right now. Forget deep state he's in deep shit. The law does not mess around when you are involved in high crimes like him. He's lived his life thinking he has superior DNA (thanks to his father) and with all the money given to him he has been able to buy or lie his way out of everything he's ever done (also thanks to his father).He isn't able to do that and he's not handling it very well. The similarities between him and Nixon are strikingly similar with the exception that Trump has done far worse than break into the DNC building for information. I have no doubts about him “colluding" with Russia. You have his son, campaign manager, and son in law talking with Russians in the floor just below him. He absolutely knew they was there.He's always had an affinity for Russia. He took his beauty pageant there, he wants to build the biggest building in the world there in the “Moscow Trump Tower" meetings. He borrows millions of dollars from them since he can't get a bank loan in the United States of America, the country he's supposed to be president of.This also spiderwebs out into all the businesses he ever took part in, then you got Saudi Arabia buying hotel rooms for 500 vets and Trump had no qualms about it. He always talks a big game on the vets yet he let Saudi Arabia piggy back dirty money into his hotel, effectively laundering it on our War Veterans. Not to mention the 5 million he tried to steal when he raised it as charity and made a fake book on it. Speaking of charity his has to dissolve.Yet the Christians would have you believe he's been sent by God to clean up the deep state and bust the Obama and Hillary child sex ring with the help of Mueller, and if you don't believe in Q's great awakening then you are asleep. Trump and Q have taken full advantage of their blind faith. Find a Trumper and a Q believer and you will find Christian God and Country in their Twitter bio. It's not just Trump that will have some cleaning up to do but the Christian's are going to have a repentance on a massive scale to try and salvage whatever is left of their religion.So in one fell swoop Trump had managed to destroy the GOP, Christianity and seriously divide our country. His Karma cloud is as dark as the universe and just as violent as it can be for one man.

It depends on your life goals. What do you want to do after MS? since MS is a certainty, look beyond your life beyond MS. If you have dollops of money, and are not planning to return and settle down then US gives a better return on investment. If you are taking a loan and plan to repay it, then Canada because the fees are lower. I don’t know how you assessed that you can get into top 40, and also you haven’t mentioned your MS field so I will make sweeping generalisations, some of which will be harsh on the way we Indians think.Go to US only if you are getting into top 20. Any thing lower is suicidal if you are not prodigal enough like the Chief designers at Tesla who haven’t take top notch degrees from top notch colleges. Because later life gets shitty, and you are in such deep trouble that you can’t even return home. Your average starting salary is around $75000 for a good MS from a below top 20 uni. 1/5th of this money goes on your House rent. You will be happy if you convert in Indian money. But when you realise that you don’t save you will screwed. Come marriage and kids, this is a big trouble because saving interest rates are 1–2% in US whereas banking loans are at 3–3.5%. When you are just out of clearing your ed loan, you plan to buy a house and then you can’t afford the house loan but still you take it and pay for it the rest of your lives. Since savings are low anyway, you are doubtful if you can finance your kids ed.Still you take a loan and burden him with it for the rest of his life. Just because some neighbours kid went to US for education. Ofcourse if you are very intelligent and talented, ignore my comments. I am speaking for the average joe. If you have been raised lovingly by your parents, returning to India will haunt you for the rest of your life. Not finding people around you for miles in a low density populace like US is quite depressing for Indians and that is why only 30 lakh Indians in US. If it was that exciting , 30 million would be staying in US. Moreover the tax you pay to US doesn’t give you benefits like the ones given to its citizens by Major European economies. Hence US ranks well below Canada,Germany and Australia in terms of quality of life. It is rarely about the education you take, you have to plan well ahead. Just because a place gives you more money, doesn’t mean life is going to be great. You have lower salaries in India, because inflation is lower, saving rates are higher and property rates are not stupid. You don’t need that sort of money in India. You can ask a top executive in India and he will say the same.Comparatively Canada is great. Its better than all the above I state for US. You atleast won’t regret settling down in Canada. Again I don’t know your family background and psychological state and affinity towards family so I make sweeping generalisation. Canada’s HDI is better than US and Canadian campuses don’t have random shooters walking in with guns. I always suggest people to think objectively as humans and emotional implications of their decisions. Its okay to think by heart. Canada won’t give you good research opportunities BUT if research and good science Tech is what you are looking for, why not go to Europe. If you can get in top 40 in US , you get definitely get in top 40 in Europe. The quality of research and tech is significantly higher and fees are lower. Salaries are equivalent with the best quality of life. Refer google if you think I am lying. Personally I don’t want to be shot dead in US by a person who doesn’t even know me. Also if you settle down, the government pays for your kids education and familys health care is cheap.