Prevalence of wide variations in loans financing schemes lead to great confusions and complexities for seeking the perfect type of loan in need. These variations result in due the uses of loans, mode of availability etc. A loan can be available as –
• Instalment loan – An instalment loan is given all the money at once. This loan is repayable in fixed amounts or instalments at regular intervals for a specific period of time.
• Overdraft – The overdraft loan is a revolving credit that enables you to write checks by mentioning the amount that is pre-sanctioned by the lender. Until the borrower writes the check, the credit costs nothing. The amount you repay becomes the available credit for you to borrow again.
There are other types of loans available in respect to the involvement of collaterals, rates of interests, mode of repayments and purposes of taking loans. Four major categories of loans available –
1. Secured loans – Lenders secure these loans with the pledge of valuable collaterals such as residential property, cars etc. Lenders take possession of such collaterals on default of the loan repayment. Car and home equity loans are these types of secured types of loans.
2. Unsecured loans – Instead of any pledge of collaterals, this loan is given on the promises of repayment. Due to the risks involved in lending these loans involves risks lenders charge much higher rate of interests on them.
3. Fixed rate loans – The rate of interest of these loans remains the same throughout the entire tenure of the loan.
4. Adjustable rate loans – The adjustable rate loans involve increasing or decreasing of the rates and monthly payments as per the repayable amount.
Before you are ready for signing at the dotted line during loan agreement, make sure you have shopped around and compared the rates and benefits of each loan scheme irrespective of the type of the loan.
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