Should you choose a fixed-rate or floating-rate home loan?
                           Should you 
choose a fixed-
rate or floating-
rate home 
loan?
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Home Loan 
Calculator
A home loan is one of the most 
valuable loans that help you achieve 
your wish to own a home. It is the desire 
to purchase a home that is fulfilled with 
a home loan. The high value it involves 
makes it one of the most valuable loans 
in terms of high principal loan amounts 
for a long-term loan. When you borrow a 
home loan, you will come across the 
term interest rate. An interest rate is the 
amount of money that you pay to the 
loan provider along with the principal 
loan amount to get the funds to 
purchase your home.
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Floating rate of interest
Floating rate of interest: In a floating rate of 
interest, as the name suggests, the rate of interest 
is not fixed. The interest rate that you start your 
loan with will not continue till the end of the loan 
term. It will keep changing as per the market 
conditions. You may get a low rate, you may get 
the same rate, or you may even get a higher rate 
than what you have borrowed.
There are no limitations in terms of rate 
fluctuations, as the entire thing depends upon the 
market and various factors that keep impacting 
the rate. This is okay for borrowers that are okay 
with taking a risk. This will lead to a mismatch in 
EMI as it keeps changing with the change in the 
rate of interest.
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A fixed rate of interest is 
fixed and not subject to 
any market fluctuations
It is definitely one of the best ways to have a 
perfect rate of interest and then keep having it 
for the entire loan term. There is no increase or 
decrease in the amount. This helps you to plan 
your finances as you keep having the same EMI 
for all the months till you finally repay the loan. 
Learn How to calculate business loan by using 
business loan calculator.
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Finishing up
A home loan or a house renovation loan can 
be an ideal one when you choose a low rate 
of interest. It will make your loan an 
affordable one, and it will help you manage 
your borrowing on the right terms. Make 
sure you compare the best options before 
you choose one.
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Thank You
For more information please contact:
Clix Capital Services Private Limited
Email: [email protected]  |  Mobile: 18002009898  
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