Catalogue loan products dekhein, planning estimates compare karein aur lender-linked reviews padhein. Rates, eligibility aur conditions har lender se check karein.
Is catalogue ki verification date recorded nahi hai. Yeh planning examples hain, current offers confirm nahi hue. Decision se pehle lender sources aur product limits check karein.
2 Catalogue products · Catalogue starting rate ke order mein
| Bank aur product | Interest Rate | Benchmark spread | Maximum tenure | Processing fee | Actions |
|---|---|---|---|---|---|
DMI Finance | 13.00% - 22.00% p.a. on reducing | Fixed Rate | 3 saal (36 months) | 2% (cap ₹2,500) + 18% GST | |
TVS Credit Services | 14.00% - 20.00% p.a. on reducing | Fixed Rate | 2 saal (24 months) | ₹750 + 18% GST |
Consumer durable financing short-term (3-24 months) credit facilities hoti hain. "No-Cost EMI" me interest merchant subsidize karta hai, lekin upfront processing fee plus 18% GST ki wajah se effective borrowing cost positive rehti hai.
RBI Digital Lending guidelines ke tahat retail borrowers ko look-up cancellation rights aur zero hidden foreclosure terms protect karte hain.
Personal electronics par consumer durable financing non-tax-deductible hoti hai. Business owners office laptops aur equipment par depreciation aur GST input claim kar sakte hain.
RBI Master Directions ke mutabik individual retail borrowers ko home, auto aur personal credit lines par floating interest rate hone par koi bhi foreclosure ya prepayment penalty nahi deni hoti.
Commercial banks ko retail credit ki pricing RBI Repo Rate (EBLR) jaise external benchmarks se link karni padti hai. Loan tenure ke dauran spread arbitrary change nahi ho sakta.
CredSutra Day-1 upfront cash outgo (processing fees, 18% GST, legal/valuation charges) aur lifetime compounding interest dono ko combine karke transparent cost discovery deta hai.
Is catalogue ki verification date recorded nahi hai. Yeh planning examples hain, current offers confirm nahi hue. Decision se pehle lender sources aur product limits check karein.