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What Is a Home Loan?
A home loan is a type of secured loan that is procured to buy property by offering it as collateral. They can be repaid through EMIs.After loan repayment, the title of the property is transferred back to the borrower. Home loans offer high funding for affordable interest rates. They also offer flexibility in the repayment tenure.
What is an Educational Loan?
An educational loan is a sum of money that is borrowed to finance higher education-related expenses. Education loans are obtained to fund the cost of books, supplies, and living while the person is doing his educational course. Payments are often postponed while students are in college. Sometimes, they can be deferred for an extended period of 6 months according to the lender.
Can You Use Your Credit Card To Pay An EMI For A Home Or Educational Loan?
Credit cards have made our lives convenient. You can make big-ticket purchases using credit cards. But, it is not advisable to use your credit card to pay EMIs for home or educational loans. Because a home loan or educational loan is already a debt or liability. A credit card is also a kind of loan. If you use your credit card to pay your EMIs, then you are using a loan to pay another loan. This will not reduce your overall liability and will only add to it. You should always aim to reduce your liability for a good and safe financial life.