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Date : Dec 28, 2008

Question

hi harsh, my salary is 25K. Am haivng two personal loans, 1 Lakh [4 year repayment ] with citi bank with an emi of 2733 per month, and 264000 with hsbc - 4 year tenure - 5785 EMI . Its been 2 years am repaying both the loans and still 2 more years to go. now i would like to repay one, please suggest which loan should i close before.

Answer

You can first close the loan which has the highest interest rate. You will also have to pay a prepayment penalty for prepaying the loan.

 

 

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