Clarify Personal Loan Terms & Costs -- 2
Budget: ₹600 – ₹1,500 INR
I have two personal-loan offers on the table and want to be 100 % sure of what I’m signing. Your task is to translate every clause—interest-rate structure, APR calculation, origination and late fees, pre-payment penalties, insurance add-ons, and repayment schedule—into plain language I can act on confidently.
Scope of work
• Analyse the loan documents I will supply (PDF and Word).
• Build a simple comparison sheet in Excel showing total cost, break-even points, and best- and worst-case scenarios.
• Flag any hidden or unusual terms that could raise my long-term cost.
• Summarise your findings in a concise report (max 3 pages) and provide actionable recommendations.
• Wrap up with a 30-minute video or voice call to answer follow-up questions.
Acceptance criteria
1. Clear side-by-side cost comparison over the full repayment period.
2. Plain-English explanation of all key terms and potential risks.
3. Practical advice on whether to proceed, negotiate, or walk away.
I will share the documents as soon as we start; please keep everything confidential. A background in consumer lending, financial analysis, or certified financial planning is strongly preferred.
Scope of work
• Analyse the loan documents I will supply (PDF and Word).
• Build a simple comparison sheet in Excel showing total cost, break-even points, and best- and worst-case scenarios.
• Flag any hidden or unusual terms that could raise my long-term cost.
• Summarise your findings in a concise report (max 3 pages) and provide actionable recommendations.
• Wrap up with a 30-minute video or voice call to answer follow-up questions.
Acceptance criteria
1. Clear side-by-side cost comparison over the full repayment period.
2. Plain-English explanation of all key terms and potential risks.
3. Practical advice on whether to proceed, negotiate, or walk away.
I will share the documents as soon as we start; please keep everything confidential. A background in consumer lending, financial analysis, or certified financial planning is strongly preferred.