Loans
What each kind of borrowing actually costs, who it suits, and the cheaper option people usually miss.
- Loan against a fixed deposit: why the net cost is only the spread Borrowing against a fixed deposit costs only the spread over the rate the deposit itself earns. Why that usually beats breaking it, and where it stops being true.
- Gold loan or personal loan: cost, speed, and what you put at risk A gold loan is cheaper and disburses faster because your jewellery secures it. A personal loan costs more but nothing goes to auction. How to choose between them.
- Education loan for studying abroad: the secured versus unsecured decision Collateral is the fork in the road. A secured loan costs materially less and sanctions more; an unsecured one is faster and capped lower. Here is how to choose.
- Loan against mutual funds: the lien, the LTV and the margin call Your units are lien-marked rather than sold, so you stay invested and trigger no capital gains. The catch is the margin call, and it arrives when markets fall.
- Personal loan for the self-employed: what lenders actually assess Lenders judge self-employed applicants on filed ITRs, banking turnover and vintage. Why tax-optimised income hurts eligibility, and which alternatives work better.