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Date : Apr 6, 2009

Question

Hi sir, iam working in a company and my net salary is 30000 p.m. In which 14500 goes to personal loan EMI. and Rest goes in Credit Card Bill Payment. the even through iam making payment to my four credit card ( HDFC =50000(limit), hsbc = 50000, citi= 50000 and dets = 20000) around 15000 p.m ,the interest eats me like any thing , No way the credit cards amt are not becoming less, since last five months iam following the same . so iam planning to take one more personal loan to solve all my credit cards dues. Kindly suggest me what to do , and where should i contact.

Answer

You can get a personal loan based on your income, repayment track record and employers profile. But your existing loan and credit dues will have an impact on your new loan amount. You can apply for a personal loan on apnaloan where multiple banks compete for your loan. Alternately you can also take a consolidated loan where one loan will take care of all your loans and credit card dues and you will have to pay only one EMI to one single lender. You can approach any bank for a consolidated loan.

 

 

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