Home Ideas Personal Loan or Overdraft Facility – What should you choose and. Personal Loan or Overdraft Facility – What should you choose and. Posted By: admin on: December 29, 2018 In: Ideas No Comments

Dear Prince Arora , First of All Banks are not offer OD facility against Home Loan. Only Few Banks offer Like PNB,SBI,BANK OF INDIA, AXIS BANK etc offer Home loan overdraft facility. What is Home Loan OD & Eligibility Criteria: An overdraft is a f.

First of All Banks are not offer OD facility against Home Loan.. in this bank account at your discretion, just like you do in a regular savings account. Any one otherwise eligible for a Home Loan can opt for a Home Loan OD,

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The home loan overdraft facility allows the borrower to use the advance as a savings account and transfer surplus there. The advantage is that no interest is charged on the home loan to the extent of the extra money kept in the account. Under this.

When friend or relative is unable to help you can opt for either personal loan or overdraft facility from the bank. A personal loan is an unsecured loan. It is not secured against any assets such as car loan, home loan etc. If you opt for overdraft facility it is a facility to borrow money via current account.

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Why Should You Opt For Overdraft? There are certain reasons which make overdraft a better option as compared to the loan such as:-An Overdraft loan facility is involved with the flexibility in borrowing and the repayment options. This allows you to set a specific amount that you want to pay on a monthly basis.

One way out of this problem could be to opt for the home loan overdraft facility with the home loan account. This will reduce the interest payment and the loan tenure and if needed, one will also be able to withdraw the surplus amount that has been deposited in the home loan account anytime from the bank, should an emergency arise.