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Welcome to loanz - a complete loan information site for India

If you are looking for a loan for your home / car or you are in search of financing for your new business, you will find this website quite useful. In India when it comes to a loan, there a number of providers for Personal Loans, Home loan or any other types of finances. So deciding your lender is an important step before taking a loan.

Lenders vary in the nature of their business. So it is advisable to do a thorough research about different loan options and different lenders, repayment period, rate of interest etc.

Generally interest rates can be fixed or floating in type. A fixed interest rate by the name it suggests does not change during the loan tenure. A floating interest rate on the other hand is the rate updated by the lender due to market trends. A floating interest rate can go up or down depending on the financial trend. Some lenders are also providing the option to take the loan which is split between fixed and floating interest rates.

Loan Research - Choosing the best loan option for you

Once you identify the need for taking a loan, you will have an idea how much money you need to be taken as a loan. The next step what you need to do is checking your eligibility for taking loans. Lenders have their own criteria for determining the loan eligibility of an individual. For salaried persons, the amount of loan will be a multiple of their gross monthly income. For business persons, it can be a multiple of total annual income.

Having the loan amount and the possible interest rate in your mind, the next thing is to plan the repayment period. The EMI ( Easy Monthly installments ) will be low for a loan with a longer period.

For further information, please go to the page of the loan you are looking for.

All basic definitions of loan related terms are included in this web site for your reference. An attempt is made to compile the basic requirements to apply for a loan is also made.

Loanz - Personal Loans and home loan information in India