{"id":7416,"date":"2020-02-19T11:03:14","date_gmt":"2020-02-19T11:03:14","guid":{"rendered":"\/blog\/?p=7416"},"modified":"2022-02-11T10:24:10","modified_gmt":"2022-02-11T10:24:10","slug":"5-things-to-keep-in-mind-before-applying-for-a-marriage-loan","status":"publish","type":"post","link":"https:\/\/tata-blog.osian.dev\/blog\/loan-for-wedding\/5-things-to-keep-in-mind-before-applying-for-a-marriage-loan\/","title":{"rendered":"5 Things to Keep in Mind Before Applying for a Marriage Loan"},"content":{"rendered":"\n

<\/p>\n\n\n\n

A marriage is a union of two souls. In India, the institution also symbolizes coming together of two families. When it comes to weddings in India, the norm is the bigger, the better. While internationally, it is a one-day affair; having lavish parties for three days is considered to be regular practice in India. There are also extravagant weddings that continue for a week! It isn\u2019t for nothing they say Indian weddings are unlike anything else in the world.<\/p>\n\n\n\n

While\nthe singing, dancing and traditional ceremonies make for memories of a lifetime,\nthey also come at a hefty cost. In most cases, wedding overshoot the\npre-decided budget. While families save for a lifetime to fund a wedding, there\nare always chances that they would need that little bit more to meet expenses.\nThis is where a marriage loan comes to rescue. <\/p>\n\n\n\n

What is a marriage\/wedding loan?<\/strong><\/p>\n\n\n\n

A marriage loan is a type of personal loan<\/a> for wedding offered by banks and NBFCs in India. Realizing that people need help to finance their weddings or that of their loved ones, lenders now offer such loans. These loans can be used to meet all kinds of wedding expenses – from funding the wedding functions to buying jewelry and gifts. Marriage loans are designed to ensure people can have the wedding of their dreams.<\/p>\n\n\n\n

Wedding\nloans are a perfect instrument to get the right help at the right time.\nHowever, it is important to tread carefully.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Here\nare five things to keep in mind before applying for a marriage loan:<\/p>\n\n\n\n

Loan amount needed<\/strong><\/p>\n\n\n\n

Go\nthrough your budget a few times to understand what your expenses are. This will\nhelp you estimate your loan amount correctly. Get a loan of only the amount you\nneed. Do not go overboard just because a wedding loan is readily available.<\/p>\n\n\n\n

Interest rate<\/strong><\/p>\n\n\n\n

Shop\naround for interest rates. Wedding loans start at about 10% and can go up to an\nexpensive 20% or more. Do your research and try to get the most cost-effective\ninterest rate. This will help you in the long run. <\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Make\na smart decision by availing a wedding loan from Tata Capital with affordable\ninterest rates starting at 10.99%.<\/p>\n\n\n\n

Additional Read<\/strong>:- Tips to combine Savings & Marriage Loan for your Great Indian Wedding<\/a> <\/p>\n\n\n\n

Flexible EMI<\/strong><\/p>\n\n\n\n

Ask\nfor flexible EMI option before you sign on the dotted line. This will help you\nrepay your marriage loan according to your convenience. <\/p>\n\n\n\n

Foreclosure charges<\/strong><\/p>\n\n\n\n

Tenure\nof wedding loans ranges from one year to six years. However, there could be a\npossibility that you could repay the loan sooner. Check if your lender allows\nprepayment of loans as many banks\/NBFCs levy a penalty or foreclosure charge.\nGo for a loan that gives you the flexibility to repay the amount earlier.<\/p>\n\n\n\n

Strict control<\/strong><\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Keep\na watch on your expenses at all times. Make the wedding memorable, but do not\ngo into debt that you cannot repay. Leverage a wedding loan, use it well and\nplan your expenses such that you can repay it on time. <\/p>\n\n\n\n

A wedding is a once in a lifetime event, and Tata Capital can help you make it perfect with loans from Rs. 75,000 to Rs. 25 lakh. You can get a Tata Capital wedding loan<\/a> with minimal paperwork and no collateral. You can also apply for a Tata Capital personal loan that you can use for wedding expenses.<\/p>\n\n\n\n

Additional Read<\/strong>:- Easy Loan Planning with Personal Loan Calculator<\/a><\/p>\n\n\n\n

So, go ahead and plan. Tata Capital is here to bring your fairytale wedding to life!<\/p>\n\n\n\n

Apply Now<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"

A marriage is a union of two souls. In India, the institution also symbolizes coming together of two families. <\/p>\n

Read More<\/a> <\/p>\n","protected":false},"author":1,"featured_media":7418,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[30],"tags":[],"class_list":["post-7416","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loan-for-wedding"],"yoast_head":"\n5 Things to keep in mind before applying for a marriage loan- Wedding Loan BLog by Tata Capital<\/title>\n<meta name=\"description\" content=\"People need finances for wedding, as weddings these days are too costly so availing a maraige loan is common. 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