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Author Message   Brad Celebrity Bewarse Username: Brad Post Number: 28640 Registered: 03-2004 Posted From: 196.15.16.100 Rating: N/A Votes: 0 Posted on Tuesday, February 12, 2013 - 2:12 am:    "first EMI daaka rendo dhaanikosam aagaala annai? " not required. First approve ayyaka even before the deposit comes to the account you can apply for the second one. Actual gaa simultaneous gaa apply cheyyatam better. "aina vere bank ku apply chesetapudu ilaa already inko loan undhani cheppakunda manage cheyoccha...? " manage cheyochhu. b'cos the emi doesn;t hit the account and not recording in cibel report. " personal loan Pre payment ki 4% penalty untundi" Bajaj has no prepayment penalty, " hdfc ollu...ninna 15.75% ani cheppindhi..." if you go to the bank where your salary gets deposited, they will offer better rate. yes it is around 14~16% other option is to take a gold loan faster process and less interest rate.