A housing loan, or mortgage, is a loan provided by banks or financial institutions to help individuals purchase, construct, or renovate a home. Borrowers repay the loan through monthly installments (EMIs), which include the principal and interest. Key features include flexible tenures, tax benefits, and the property serving as collateral. It is a convenient financial tool for achieving home ownership.
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Debt consolidation simplifies financial management by combining multiple debts into a single loan. This approach often reduces interest rates and provides a unified monthly payment, making it easier for borrowers to manage their finances and pay off debt efficiently.
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