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    Traps to Avoid When Availing a Personal Loan this Diwali

    Diwali is a great time to make purchases as there are offers galore in the market. Several banks and financial institutions offer special loans for customers during Diwali for festive shopping. Although it is a good idea to utilise such a time instead of collecting credit card debt, you need to be careful while availing this extremely tempting offers and deals in the Diwali season.

    Some of the things to keep in mind and avoid falling into traps during this Diwali season are:

    • Check your existing liabilities:

      No matter how tempting it is to take that Diwali special loan to make that expensive purchase, however you must first be aware of your existing liabilities. You must be sure if you can afford an additional debt apart at present. By taking any festive loan momentarily, you should not disturb your debt to income ratio and keep it above 35%. It is not advisable that you take a loan just because you are being offered one on Diwali, as you may not have sufficient funds when you actually need one.

    • Read fine print:

      Loans offering during festive season such as Diwali may have much lower interest rate than in case of regular loans or even credit card and hence, may seem very attractive. However, do remember to find out other costs such as processing fee, etc. which may increase the overall cost of the product. Also, read about any pre-closure charges that you may have to face later, which may bring about an untimely dent in your financial plan. Do not jump on the first loan being offered to you, read the fine print to understand all terms and conditions of the personal loan.

    • Do not make impulsive decisions:

      Diwali is the season of gifts, big purchases, and all sorts of expensive spends. With endless discounts and deals all over the marketplace, ‘easy finance’ offers seem very easy to avail and perfectly timed. Ensure you are availing the loan for something you genuinely need and not just because you are being offered at special rates. Even though you are being offered the loan as a part of a festive deal, you would still need to have some finances kept aside for the same and not purely depend on the loan.

    • Loans on select products:

      Lenders and banks usually collaborate with select brands during the festive season. This could mean that the product you intend to buy using the loan, may not be covered in the offer. Also, these offers are limited to deadlines, and you may have to make the purchase even before you are ready.

    • Fit in your budget:

      Diwali month is a month of festivals, with Dussehra falling around the same time. You may want to slow down and re-look at your budget for the month, before falling trap to another loan being offered to you.

      The lure of purchasing in the festival season is irresistible, however taking a personal loan is a huge responsibility. It can also turn into a burden if it is not a part of your budget. Making a well-informed, and practical decision is what is required in order to save yourself from falling into a trap of personal loans, this Diwali season.

    BankBazaar can help you choose an ideal personal loan through its website where you can compare all loans on a single platform. The site has announced a Dhamal Diwali Flash Sale starting from 6th October, 2016 running till 30th October, 2016. You can avail personal loans via BankBazaar’s website and get a gift voucher worth Rs.1,000 from Amazon and Go-cash points from Goibibo, worth Rs.1,000, which will be available only during the sale period. Banks that are participating in this offer are Citibank, ICICI Bank, Indusind Bank, Kotak Mahindra Bank, Standard Chartered Bank, and financial institutions like HDB Financial Services and Tata Capital Limited.

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