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Date : Apr 12, 2009

Question

Dear Sir, I have a personal loan of Rs.5,00,000.00 ( Five Lacs) from ICICI Bank.Rate of Interest is 19.5%. I am paying EMI of Rs15082.00(Fifteen thousand eighty two )Monthly.Till date I have paid 14 EMIs of 48.My total outstanding loan ammount is approximately Rs400000.00 ( Four Lacs ).Now I want to switch my loan to another bank who can offer me less ROI.like Bank of India or any other bank. And also I have a cash ammount of 100000.00 ( One Lac) which I want use for prepayment of loan.Can I avail personal loan of 3,000,00(Three Lacs ) and add my one lacs for prepayment of loan ammount.In this way my EMI on personal loan will come down. Is this possible to do? Please help me ..........

Answer

Yes you can get another loan based on your income, repayment track recrod and employers profile. But your existing loan will have an impact on your new loan amount. However you might want to consider the prepayment penalty that you will have to pay to prepay your existing loan.

 

 

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