99% People Make This BIG Loan Mistake😱 | Banks Never Tell This Secret! | Loan Tips in Malayalam

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00:01 - 🔔 Introduction & Loan Planning Questions
01:35 - 💳 What is a Personal Loan? (Unsecured Loans Explained)
02:00 - 📈 Interest Rate vs Real Cost of Loan
02:45 - ❌ Biggest Mistake: Looking Only at Interest Rate
03:13 - 💸 Total Cost of Loan Explained (Processing Fee, GST, Insurance)
03:51 - ⚠️ Hidden Charges You Must Know
04:03 - 🧾 Types of Hidden Charges (Processing, Prepayment, EMI Bounce)
05:07 - 📉 Credit Score & Loan Eligibility
05:55 - 💼 EMI Rule & Income Ratio (30% Rule)
06:02 - ⏳ Choosing the Right Loan Tenure
06:52 - 🔄 Prepayment, Foreclosure & EMI Flexibility
08:03 - 🏦 Comparing Banks & Negotiation Tips
08:27 - 🚑 When You Should Take a Personal Loan
08:49 - 🚫 When You Should Avoid Personal Loans
09:02 - 📱 Warning Against Loan Apps
09:15 - ✅ Final Advice & Conclusion


99% People Make This BIG Loan Mistake😱 | Banks Never Tell This Secret! | Loan Tips in Malayalam

Most people take loans without understanding the hidden rules, and that one mistake costs them lakhs in extra interest 😱. Banks rarely explain these details clearly, and borrowers end up trapped in long-term debt.

In this video, we reveal the biggest loan mistake 99% people make and the bank secrets you must know before taking any loan. Whether it’s a personal loan, home loan, car loan, or business loan, these mistakes apply to all.

You’ll learn:
✅ The biggest loan trap banks never talk about
✅ How interest calculation actually works
✅ Why EMI looks small but costs you more
✅ Smart loan tips to save money legally
✅ How to avoid debt stress and financial loss

This video is made for anyone interested in personal finance, financial awareness, and smart money management. If you want to make better financial decisions and stay out of debt traps, this video is a must-watch.

📌 Watch till the end to avoid costly loan mistakes
📌 Subscribe to malayalam.finance for honest finance education
📌 Share this video to help others avoid debt traps

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DISCLAIMER
This video is for educational and informational purposes only and does not constitute professional financial, investment, or legal advice. While we strive to provide accurate information regarding personal loans, interest rates, and bank policies, financial products and regulations vary by region and institution.

Taking a loan involves significant financial risk. Always perform your own due diligence, read all loan agreement terms carefully, and consult with a certified financial advisor or banking professional before making any commitments. We do not endorse any specific bank, app, or financial product. The creator is not responsible for any financial losses or decisions made based on this content.