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Is foreclosure allowed without penalty?
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Recent queries from borrowers across India, answered by experts and community members
I took a floating rate home loan 2 years ago. Recently noticed my tenure jumped by 48 months with no SMS or email from the branch.
Settled a personal loan in 2023 with a 20k discount. Now my housing loan application is rejected. What is the process to get an NOC?
Currently paying ₹34,000 across 3 credit cards with 42% APR. An NBFC is offering 13.5% APR personal loan for 36 months.
Faced job loss last month and missed one installment. The recovery agency called my HR manager at 8:30 PM. What action can I take?
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How our community helped real people navigate their loan challenges
Pune
“Saved ₹23,000/month by consolidating 3 credit cards into one loan. The community gave me the exact strategy and bank comparison.”
Bengaluru
“My bank tried charging 2% foreclosure penalty. Someone on Loanazonec shared the exact RBI circular. Bank waived the charge within 2 days!”
Delhi NCR
“A closed loan was showing as 'written off' on my CIBIL. Following the step-by-step dispute guide here, my score went from 630 to 765 in 45 days.”
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