• Don’t get carried away by a flat ROI, as they might also keep changing with market (read the fine prints before signing). Always opt for a loan where interest is calculated on the reducing balance.
• Get all the promises made by the bank on writing. Nothing oral otherwise you wont be able to make a claim of it later.
• Banks have got a band of rates. Always know that in which band you fall under and negotiate to get the lowest rate.
• Always have all the revelant documents and submit the same, then only can you would be able to get the best quote from the bank.
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