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So, evaluate the available lenders to find out which one would sanction your loan despite your historical past. Also, examine the personal mortgage rates of interest to ensure you could avail of a cheap mortgage. Though personal loans are unsecured loans, pledging an asset as collateral can help you get the loan in case you have a default history. As the loan could be secured towards the asset, the chance of default would reduce and the mortgage could be issued. If you present an elevated income, sufficient to pay the mortgage EMIs, the lender will sanction the loan.

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