Paying off loans is harder than you think!!! We all may have taken or planning to take a loan to buy a bike, car, vacation or for personal reasons. But let’s try to understand the process & how it impacts our lives. We start with the thing we want to buy or the service we want to avail & decide on the best option in terms of price & quality. Then we search online or look for a retailer that will give the best deal. Then comes the reality of payment, which we would not have in full so end up choosing the available credit options we or the retailer is tied up with. In the particulars a high interest rate & processing fee is discussed which is agreed upon with no choice. Once the required docs are submitted a credit score check is done & you hope that those late payments on your credit card bills don’t bite you now. Finally on approval you will be informed of the date when the funds will be auto debited every month so you are made aware to keep the funds else the entire amount would need to be paid.
You finally get your product or service but is that all? No,it’s just the start as after a month’s long work you await your salary to be credited but wait, you see a message in your phone & it’s the auto debit leaving you with hardly enough money to take care of your basic monthly expenses like rent, groceries etc. If you are unable to manage them, the only way you would resolve the situation would be to give away your savings like break your FDs, SIPs or sell your jewels. Let’s try to understand how all of this happened. Basically it was by a want for which you resorted to taking www.ozoprop.com
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