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Flat Interest Rate : Flat Interest Rate calculation method on other hand implies that your rate of interest remains the same & is calculated over the entire loan period. Depending on your profile which is further linked to your occupation, salary/income, credit history etc. The personal loan interest rate ranges from 11.99% to 25%, you must go for that loan which is offering you at the minimum rate. Your loan history also plays a vital part to loan providers by gathering credit data from varied financial institutions. This is extremely vital for the bank to provide a loan. Now right bank will come at your doorstep with lowest Interest Rate in India .Indexia Finance is one of the best finance company in India. From the main Binance page, click on the profile icon on the top right once logged in. On the whole, smart contracts are the main blocks of the NFT. Penalties : If you think of closing your loan earlier, this will invite the prepayment charges levied by the bank which are up to 5% of the outstanding loan amount. The outstanding loan amount is never reduced over the loan tenure. The chances are much higher for securing a loan.