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Both tenants and homeowners can have access to these loans. There is no clause of collateral associated with the loan, making it fully risk free for the borrowers. The only risk is that your credit rating will go down in the event of not making the timely payments. In the absence of collateral, your repayment ability is the sole basis of the loan approval. You should make an assuring repayment plan, keeping your earnings and month outgoings in mind. Your employment record and bank statements are also essential in taking the loan.

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