A Loan meant for a specific purpose needs to be used in the appropriate manner, as the lending authority
monitor it. With a personal loan the flexibility of usage is far higher as it is meant for personal use. The bo
rower can be more at ease while making use of this type of loan, as there is no strict vigil over it.
Being the boom in real estate in India, home loan has become the most popular form of loan. Home loan benefits the middle class in their quest of fulfilling their lifetime dream of owning a house. 
Since beginning a luxury car owned by the rich only, now the car has become a necessity even to the middle class of the society. This dream of owning a car has become a reality with the availability of loans for new and used cars
Simply, a loan against property is a loan given or disbursed against the mortgage of existing property. This is just like a personal loan at lower interest, which is disbursed to an individual. No questions asked for end use. 
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