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Smart Finance: Lower Your Loan Interest Rates

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Created December 28, 2025

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Video Transcript

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Are you tired of seeing sky-high interest rates every time you apply for a new

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loan? Your credit score is the most powerful factor that decides your final

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bank interest rate offer. Don't settle for the first offer. Always compare different

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banks and NBFCs side by side today. Check with your existing salary account

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bank first. They often provide exclusive loyalty discounts for you. By increasing your

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down payment even slightly, you can drastically reduce your long-term interest burden and

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EMI. Watch out for hidden costs. Decline unnecessary insurance or add-on products

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that inflate your total loan cost. Everything is negotiable! Use better offers from other lenders

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