To buy a home, you can take a home loan, and to buy a vehicle, a car loan. For most other needs, people often assume that their only option is a personal loan. Most consumers are unwilling to take these as they are available at very high rates of interest, usually ranging from 16-22%.
Now, however, public sector banks are offering
loans designed for specific spending purposes. These loans are available at lower interest rates than those for personal loans . Here's a look at the various options that are available to you.
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