How to improve your credit score after a loan settlement

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Settling a loan with a one-time payment adversely impacts your future loan prospects. If you find yourself in such a situation, don't despair as there are steps you can take to remedy it.

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Defaulting on a personal loan will almost certainly impact a person’s mental health and mental peace. If a person does not repay their loan on time, then they will start receiving numerous calls from their lender. Certain lenders often send bank personnel to the defaulter’s residential or commercial address to pressurise the person to repay their loan amount. In such cases, the overall impact on mental health can be devastating.

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Borrowing funds to meet your funding needs is never a bad idea, especially if you are an entrepreneur.. In fact, having finances available when you need them allows you to seize new business opportunities, pay your creditors on time, and keep reserves for unforeseen events. If you are still wondering what business loans can be used for or why companies borrow money, this article will address your questions.

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A personal loan means exactly that – it can be used for any personal need and there is no need to explain officially why it is being taken. Since there is no end-use tied to it, your eligibility does not depend on the purpose of the loan. This also means that you do not officially need to write down the reason why you are applying for a personal loan and how you intend to use it. However, you may be asked by your loan officer the purpose of taking a loan, since a lender always wants to make sure that you will be able to pay back the loan.

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Over the last few years, online personal loans are rapidly taking over the financial industry. The shift in consumer behaviour and government initiatives have made this loan popular among millennials. According to Reserve Bank of India data, overall digital lending increased more than twelvefold from 2017 to 2020. In terms of figures, the total digital disbursement in 2020 was Rs 1,41,821 crore, up from Rs 11,671 crore in 2017. Out of these disbursements, the majority are personal loans.

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Whether you are a working professional or a student, a laptop with an efficient processor, good storage and decent graphics quality is a must-have. The more features you seek, the more expensive it becomes. While, today, you get good laptops within a fair budget, buying the one that can serve your purpose best and last long may still need you to shell out some good money. But that should not dampen your plans of getting a good laptop. So, how would you go about arranging the funds?

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