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Date : Mar 31, 2009

Question

Hi, I am working with Private LTD Company from last 2 years , My total Monthly Salary is 38,000 in hand , I have some amount due on Credit Card , should i take personal loan from any other bank and clear aal the dues or should i take EMI option from Credit card , total amount due is near about 60,000. Please suggest .. If i your suggestion is to take Personal Loan which one bank is good for me , My Salary accountis in ICICI bank , Right now one more loan is runing with me from ICICI bank its Car loan for the period of 5 years , I paid 12 installment as of now

Answer

It is advisible to take a personal loan to clear your credit cards dues rather than taking the EMI option since personal loan interest rate is lower compared to credit cards. You can get a personal loan based on your income, repayment track record and employers profile. But your existing loan and credit card dues will have an impact on your personal loan amount. You can use the personal loan comparator to find the best bank that suits your requirement. You can apply for a personal loan on apnaloan where multiple banks compete for your loan.

 

 

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