A loan is a form of debt, which is the borrowing of money from a lender, in order to be able to buy something. The repayments are usually made at regular intervals over more than one interest period. Loans can be provided by institutions such as banks, credit cards or other companies. With loans, you can gradually pay off the amount that you owe to the lender (often with added interest). They are often offered by financial institution or company and they usually require that you provide collateral in case of default. — A personal loan is a short-term loan where the borrower will have to pay it back with a monthly payment. A personal loan can be used to pay for expenses like home renovations, holidays, medical bills and education. The interest rate of a personal loan is usually set at an annual percentage rate which is often given on the website. In order to get approved for a personal loan, you should have a good credit history and income demonstrating your ability to repay such debt. For loans of more than $2,500 in most cases you will be required to provide some form of security or collateral. A financial institution offers different types of terms or repayment periods for loans from 3 months up to 10 years. Another important consideration when applying for a personal loan is whether there are any pre-payment दस्तावेज किसान क्रेडिट कार्ड (Kisan Credit Card) का फॉर्म पीएम किसान स्कीम की वेबसाइट PMkisan.gov.in पर दिया गया है। इसमें स्पष्ट निर्देश है कि बैंक सिर्फ 3 दस्तावेज लेकर Loan दे सकते हैं। KCC बनवाने के लिए Aadhaar card, Pan और फोटो लगती है। साथ ही एक शपथ पत्र देना होता है, जिसमें यह बताना होता है कि किसी दूसरे बैंक से कर्ज तो नहीं लिया।
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