application letter for reducing loan tenure

You can enter loan amounts from 25,000 to 4,000,000 and term from 1 to 5 years. Monthly repayment = RM2,191. Can I Change My Housing Loan Tenure in HDFC Bank? | Wishfin Steps for Availing Home Loan for Villa Projects and ... We have affordable prices and work very fast. Home loan prepayment: If there is an opportunity to prepay a part of the home loan before the end of its tenure, then it can reduce the overall interest payments. This is loan EMI calculator excel sheet formula. PDF Loan Moratorium Request Letter - Shamrao Vithal Co ... Learn how to write request letter for reducing/changing emi of any loan. "Opting for home loan balance transfer in the second half of your tenure is not worth it. Application Letter For Reducing Loan Tenure "THANKS FOR EXCELLENT WORK. Top-up Loan. Sample Request Letter to Bank for Reducing Interest Rate. Best age to apply for a loan: Can I be denied a loan ... The concerned official will go through your loan statement and latest income statements before allowing you to change the tenure. I will have 6+ Lakh's with me(in next 4-5 months) which I can deposit in OD(after completion of 1 years in march 2013) and ask bank to get that amount permanently deducted.As I don't want to withdraw it. The list of the Bank's customer service hotlines is also available at the ABM website at www.abm.org.my or you may call ABMConnect at 1-300-88-9980 for information on banking issues in the country. Fill out form. Get a good deal out of a home loan If you wish to lower your EMI, you can do so by reducing the loan amount or the interest rate or by increasing the tenure. Students get a chance to work with the writer of your own choice. Such problems can happen to almost every student - especially, to those who study abroad. Sample Request Letter to Bank for Reducing Interest Rate. Your kind cooperation in this matter will be highly appreciated. The housing loan needs to be paid for the entire tenure of the loan by funds received in India through banking channels by way of inward remittance from any place outside India or (ii) funds held in any non-resident account maintained in accordance with the provisions of the Act, rules or regulations framed thereunder. I would request a reply from you with in 15 days from the receipt of this letter. If a loan or a banking facility's repayment period extends to the retirement age, as per UAE Central Bank norms, banks and finance companies must re-schedule reduction of these loans or finance . Step 3. New home loan borrowers You are required to sign up for Mortgage Reducing Term Takaful (MRTA) to protect your interest in the event of death of permanent disability during the loan tenure. Thank you guys for saving us from flunking every semester! 50 lakhs at an interest rate of 11% and a tenor of 20 years. This letter is the place where the borrower can express his or her financial troubles in personal terms to have the best chance to stop a foreclosure or receive better terms on an outstanding loan. However, to also benefit from a lower interest cost, it is recommended to maintain a higher current account . Class of 2022 Loan Reduction for Private Sector Employees HBS is pleased to offer a loan reduction program for students from the Class of 2022 working in the private sector with compensation significantly below the HBS average. You may choose to maintain the original loan tenure or extend the loan tenure by the 12 months. Loan Moratorium Request Letter . In Short Term: The estimated EMI reduction will be from Rs.56,409 to Rs.55,399 (Saving of Rs.1,010 each month). Interest rate = 6.4% - 2.4% = 4%. Taking certain measures will help you action this. Please Note! 100% GREAT." Questions & Answers Plagiarism Free TutorHemerein CLAIM OFFER Pages Loan Tenure Calculator. This educational loan is under my … Continue reading . 47. A loan restructuring request letter is a formal way to request a modification to a loan. 9. A. Also, you can apply for Houseowner or Fire Insurance to cover for loss and damage to your . I would like to bring to your notice that my car loan started with your bank in the year 2014 in the month of June for three years. I have obtained SBI home loan of ~37 lakhs and I am having EMI of 41879k per month for 15 year's. I am thinking of how to reduce my EMI. Sub: Reduction of Existing Interest Rate against Loan A/C # [insert Account No]. For ex impaired loan and defaulted repriced account, the loan tenure could be extended beyond 5 years upon reamortisation of outstanding owing with revised instalment amount at prevailing contracted interest/profit/rental rate at the point of TRA. Professional essay writing guarantees the plagiarism free essays and If you wish to change the EMI adjust any of the three sliders on the personal loan EMI calculator. I Love your work. Amber Alice Request a Call . Flexible Loan Instalment Plan (FLIP): FLIP is a repayment facility, given when incomes are going to reduce after a certain time period during the loan tenure due to one of the borrowers retiring before the loan maturity. Sanction: Based on various parameters, Bank will evaluate the loan application for your villa projects in Edappally & Kakkanad. The processing time for the application will take up to 7 working days, upon receipt of your completed application. Manager, Atom and Sundry Bank System, Texas, United State of America. Application Letter For Reducing Home Loan Tenure 23. julie2211 offline. Interest rate with 20-year tenure. many consumers have begun to fight back and are working to get a reduction. Applicants must be Indian citizens. Keep doing the assignments for us and we will keep scoring high!! If you have taken a loan of Rs 40 lakh for a tenure of 15 years and you are paying an interest rate of 9.05 per cent - the total interest outgo on this loan will be around Rs 33.24 lakh. The sample academic papers can be used for the following purposes: to enhance your subject knowledge; to cite references for ideas and numerical data included; to paraphrase the content, in line Application Letter For Reducing Home Loan Tenure with your . 184 completed orders. Loan application process for Extension of Debt Consolidation Plan: Step 1. Here are some ways how a new or an existing home loan borrower can reduce the EMI burden of their home loan efficiently. Loan tenure There will be an extension in loan tenure. Redemption Letter Fee RM50 per request Letter for EPF Withdrawal Fee RM20 per request . Besides, dealing with a difficult assignment can become a real problem when you have little knowledge Application Letter For Reducing Home Loan Tenure of Application Letter For Reducing Home Loan Tenure the subject. Just enter your details, company details and your letter is ready. Ref: Loan Sanction Letter No: [insert number] dated [insert date]. To, Mr. All such reasons should . Fill up online form here. 51,610, the loan tenor will be reduced by 1 year. Interest Rate: All rates displayed on the platform are in APR (Annual Percentage . Up to 85% + 5% MRTA (inclusive of FEC* of not more than 2%) Minimum: 5 years. As such, you should discuss and appraise the Branch Manager. Assume that you've borrowed a home loan of Rs. If we don't receive a response from you within five (5) calendar days from the date stated within the Letter of Variation, your application will be deemed as cancelled. Using an EMI calculator, you will see that your EMI without any prepayment is Rs.17,995. I Application Letter For Reducing Loan Tenure Love your work. Getting a reduction on your credit card interest is not impossible, provided you are a good customer, you pay on time all the time, you have a good credit score, you pay more than the minimum each month, and you do not have a high debt-to-income ratio. RM 50 (inclusive of service tax and/or any applicable taxes imposed from time to time) per transaction. Using the following values in the PMT formula in excel: Loan Amount = Rs 50 lakh. At the end of 5th year you made a partial prepayment of Rs 2 lakh. The tenure can be changed voluntarily anytime during the course of the loan. Please refer to Q5 and Q6 for more information. Wait for approval. 2. Dear Sir, We have been maintaining the above loan account since [insert year]. I have every intention of paying my debt, but am not able to make the usual payments at this time. In Long Term: Over a period of time, due to reduced EMI, the person will pay only Rs.1,34,21,897. Best Paper Writing Website 2020 - Estimated Price . With the Home Saver Loan you can reduce the loan tenure by 3 Months and save up to AED 1,184 in interest cost compared to standard Home Loan With your estimated account balance you would benefit from a reduction in your home loan tenure. loan account close application format; application for closing bank loan account letter format; letter for closing bank loan account; This means a savings in EMI outgo for 15 months (120-105) or Rs. It comprises of both, principal repayment and interest payment. This letter is to formally request a reduction in payments on my debt for the next six months. of loan tenure/calculation of financing tenure with extension of 2 to 5 years. Flexible loan tenure Interest rate reduction Loan consolidation for easy payment Reduced burden on disposable income Flexible terms of repayment. For processing pre-payment requests, you are required to send HSBC a written instruction communicating your desire to pre-pay with the intent of wanting to reduce the loan tenure or EMI. For bank loans, variable rates will kick in after the fixed rate lock-in period ends (differs by loan package). of our Loan will be rescheduled/extended by three months and that new EMI (wherever applicable) will be payable w.e.f. Attractive interest rates that maximise your savings. If you choose to keep the earlier EMI unchanged (Rs. In case you choose the latter option, you can quickly estimate how much time is required to repay your refinanced loan. Subject: Requesting the bank for reducing interest rate on housing loan. Disbursement: The sanctioned amount is generally paid . 2.11 lakhs (approximately). To commence after the 6-month PEMULIH ETRA deferred repayment/payment (moratorium) ended. Banks . 50,671 for the tenor. Request Letter to Bank Reduce Monthly Educational Loan Installment 2nd January, 2019.Your NameYour AddressCity, State Zip Collection AgencyCollection Agency AddressCity, State ZipRe: Acct # XXXX-XXXX-XXXX-XXXX To Whom It May Concern Dear Sir, I am regretfully informing you that I would like to request for the release of educational loan. 43,475), for the principal of Rs. How to write a application letter to bank for incresing the tenure of home loan? Continuing with the above example, after the reduction of 0.50% in the interest rate, if you continue to pay the same EMI of Rs 44,505, you can close your loan in 18 years that is 2 years before its closure date. Respected Sir, It is to state with much care and respect that I am Mr.Lorre Layman and I am here with a purpose. 32.60 lakhs for 10 years and interest rate of 8.00%, you will pay the last EMI in the 105 th month. You are eligible if you are an existing Maybank home loan customer who have not taken up relief; you are impacted by COVID-19, with a reduction of at least 25% in In case of any change in EMI amount due to prepayments or fluctuations in MCLR/Repo Rate, the EMIs existing at the time of waiver will be considered Monthly Interest Rate = 8%/12 = 0.666%. However, if you choose to pay the initial EMI of Rs. Application Letter For Reducing Loan Interest Rate, Custom Persuasive Essay Writer Services Ca, Case Study For Foot And Mouth Disease, Help With My Life Science Letter Step 2. for a tenure of 20 years. These awards offer a one-time loan reduction and typically range from $5,000 - $15,000 USD. I request to pay AMOUNT starting on DATE and beginning the normal payments on DATE. I will resume my regular monthly payments as soon as I recover from this financial crisis and keep you updated about any change in my financial situation. During this long tenure we have been loyal enough to pay the interest as per your stipulated rate. We will start paying the EMIs from July onwards as usual and undertake to pay the 3 months Monotarium EMIs through an extended Tenure by three more months. Now, the lender reduces the interest rate to 10.75%. The reason for closure is due to _____ (reason for account closure - loan tenure complete/EMI Complete/ Full Amount Paid/Any other reason). Our service is legal and Application Letter For Reducing Home Loan Tenure does not violate any university/college policies. From the above it is clear why reducing the tenure shall lead to . Shortening the tenure. Higher down payment: Making a higher down payment when obtaining a home loan can reduce the principal amount. Say you availed a home loan of Rs 30 lakh about 5 years ago at 10 percent per annum. A lower principal amount means lower interest and EMI payments. Request Letter to Bank Reduce Monthly Educational Loan Installment 2nd January, 2019.Your NameYour AddressCity, State Zip Collection AgencyCollection Agency AddressCity, State ZipRe: Acct # XXXX-XXXX-XXXX-XXXX To Whom It May Concern Dear Sir, I am regretfully informing you that I would like to request for the release of educational loan. Hi..I have a home loan of around 23 lakhs INR i have been paying an EMI of INR 29000 every month from past 2 years, I am presently based in UAE and earning a good amount of money and its not difficult for me to pay the EMIs now. But see the savings you have overall. To, Mr. Reduce EMI, reset tenure September 02, 2020 6:50 AM If possible, give an authority letter to a friend/relative whom you trust to collect the papers and loan closure letter from the bank on your. Get Top-up Loan upto 100%* of original loan amount You can visit the branch of the lender and give a request for the same. Terms and conditions . Your EMI now will be Rs.17,095. Moreover, our team is also proficient to provide Application Letter For Reducing Home Loan Tenure custom written papers for your guidance. Application Letter For Reducing Loan Tenure, Importance Of Studying English Essay, Formato Curriculum Vitae Europeo 2018, Cover Letter Format For Jrf Position This educational loan is under my … Continue reading . Here's how the math works: In the case of 'QuikPay Home Loan', the principal repayments remain fixed and the interest outgo reduces over the tenure of the home loan. Tenure = 20 years. Eligibility 5 Am I eligible? Lowering tenure of home loan means you continue to pay the same EMI and hence wrap-up your loan before time. Here is why HDFC is a household name that Indians proudly reckon with. Repayment Effective Date TRA Extended TRA To commence wef the following month upon opt in. Essayhelp.org gives all the student a chance to get some well-deserved rest. With our customised solutions we have fulfilled over 5.4 million dreams since it's inception. Loan amount (principal) = Rs.20 lakh. The HDB Loan Eligibility (HLE) letter and property loan fact sheet contain the terms of your loan and show how rising interest rates could affect your repayments. Complete all fields. Sample Payment Reduction Request Letter. INR 2,03,136. It is a fixed amount which you pay every month towards your loan. If all these tenure changes are taken into consideration, your original loan tenure of 20 is cut short to 16 years, yielding you a savings of INR 6,81,304. Call Maybank Group Call Centre at 1-300-88-6688 for general inquiries on the announced reduction. I'd like to offer a reduced monthly payment of $ instead of the regular monthly payment of $ that I've been making each month. The aim of is to demolish the stress Application Letter For Reducing Loan Interest Rate and make academic life easier. If you have taken a loan and you are unable to pay full EMIs due to some reason. How to Reduce Your Home Loan Interest Home loans are usually of a high amount and involve a longer repayment tenor. Whenever you take a home loan, the interest rate payable on it and the tenure of the loan are the main determinants of the amount of equated monthly instalment (EMI) you have to pay. Depending on the savings you put in the Smart Home account, you can reduce the quantum of interest paid and thereby reduce the tenure of your loan. All our papers are 100% authentic, perfectly structured and free of any errors. Loan Application Letter is a ready-to-use excel template that helps an individual to request a loan from his/her employer in just a few minutes. That's a reduction of Rs.900 every month (5% EMI savings). Therefore, we request you to grant us three months moratorium period in our loan tenure starting from the EMI due in April and also for the months of May and June. Which is a saving of Rs.1,16,145 (13538042 - 13421987). Let's have a look at the eligibility criteria given by the bank -. So, reducing your home loan's interest payment is something that you should consider seriously. In case we/ I have an Overdraft account, we/ I undertake to repay the dues as and when Application to bank manager for home loan tenure reduction format I want submit a reuquest letter to college .to extend my fees payment date.becuase my bank loan is not yet ready it will take time to sanction.plea. HDFC is a leading provider of Housing Finance in India. 10 years later, you've decided to refinance with a housing loan that has a new interest rate calculated as such: BR - 2.4% (assuming the BR is the same). As a result, the revised EMI will be Rs. Brilliant team work. Answer (1 of 5): The loan applicant decides the quantum of requirements in the application alongwith many particulars and the sanction is done only after the discussions in person and field visits etc. In case no clear instruction is received to reduce loan tenure or EMI, we will by default reduce the loan tenure basis the pre-payment amount received. If you can afford higher monthly payments . Dear Sir, I, Ramesh Gupta, am writing this letter to request you to grant me some extension for repayment of my car loan with your bank. If you are interested in reducing your home loan interest rate I will stay with you, otherwise I will seriously consider transfering my home loan to another bank. STEPS FOR AVAILING A LOAN. We get, PMT (0.006667, 300, 5000000) = Rs 38,591. Details of the account are mentioned below: Loan Account holder/s name . Application Letter For Reducing Home Loan Tenure, Shorthand Writing Help, Personality Development Essay In Hindi, Footnotes Turabian Citation Examples. Subject: Requesting the bank for reducing interest rate on housing loan. Sample letter to bank for Lowering interest rate I am writing this letter to request a reduction in the interest rate of my credit card payments. Now let's say you make a prepayment of Rs.1 lakh. Loan tenure. Reduce Tenure: Loan tenure on the first month was 240 months. Remaining loan amount after the first 10 years = RM361,549. Refinancing a home loan may help you save on the interest. Swift transfer of loan. The benefit passes on to you is in the form of reduction in tenure twice during the tenure of the loan on the completion of 10th and 15th year from the date of 1st disbursement. All you need to do is to put your usual savings, in the Smart Home account. Applicants must have secured at least 50% in the last appeared exam for, XIIth or graduation. Hence once the decision taken by the bank for sanction of specified sum, and any other terms, . You can take advantage of this facility by paying a nominal fee and opt for either reducing your monthly instalment (EMI) or loan tenure. As exhibited by the table above, the total interest outgo under 'QuikPay Home Loan' stands reduced to Rs lakh 46.19 (compared to 57.96 lakh in case of a typical regular . The remaining tenure on your home loan is a crucial factor when deciding to transfer your loan account. But our company strictly recommended you that do not submit the paper as it is because provided paper is not a final paper and it is only for your reference. Loan Tenure in Months = 25 years * 12 = 300 months. Yes, the latest rejig to your loan schedule will require you to pay a greater EMI of 40,420. Post evaluation it would release the sanction letter mentioning the amount of loan sanctioned and other terms and conditions of sanction. RM100,000. Subject: Request for reduction of home loan interest Respected Sir/Madam, Respectfully, my name is ____________ (Name) and I am a _____________ (Mention home loan account details) account holder in your branch for the last _________ (Duration) months/ years having loan account _______ (loan account number). Redraw fees. forum Live chat: 24/7 online support. If you are planning to refinance your loan at a lower rate, you have the option to either reduce your EMI or loan tenure. Application Letter For Reducing Loan Interest Rate No worries if have only few bucks because cheap essay writing service is offered only at . This would lead to overall interest saving of Rs 5,96,254 and reduction of loan tenure from 240 months (20 years) to 213 months, i.e., a reduction of 27 months. 15% off. If you receive a Letter of Variation (for reduction in monthly instalment by extension of loan / financing tenure), you are required to follow the instructions provided therein. I hope you will understand my situation and acknowledge my request. Conditions of sanction age reaches 70 years old whichever is earlier reduced by year! Debt for the next six months deferred repayment/payment ( moratorium ) ended a request for reduction of Rs.900 month. From the receipt of your tenure is not worth it and application for... Rate No worries if have only few bucks because cheap essay writing service offered... Customised solutions we have been loyal enough to pay the initial EMI Rs... Free of any errors variable rates will kick in after the first month was 240 months - 13421987.... Legal and application letter for reducing home loan efficiently details, company details and your letter is to formally a! Cooperation in this matter will be highly appreciated given by the Bank - the parties the..., the revised EMI will be reduced by 1 year will understand my situation and acknowledge my request can estimate! Mrta ( inclusive of service tax and/or any applicable taxes imposed from time to time ) per transaction tenure have... Loans, variable rates will kick in after the 6-month PEMULIH ETRA deferred repayment/payment ( moratorium ) ended a... May choose to pay the last EMI in the last appeared exam for, XIIth or.... Emi will be reduced by 1 year and/or any applicable taxes imposed from time to time ) transaction. A savings in EMI outgo for 15 months ( 120-105 ) or Rs acknowledge my request due... ) will be payable w.e.f our service is offered only at of Rs EMI will highly. Paying my debt for the application will take up to 85 % + 5 % MRTA ( inclusive of tax... The lender and give a request for reduction of EMI should have convincing reasons: [ insert ]. Now let & # x27 ; s a reduction of EMI should have convincing reasons write request letter for loan! Go through your loan before time lakhs at an interest rate to 10.75 % mentioned. Payment is something that you should consider seriously it requires agreement from all the parties to the tenor! Taken by the Bank for reducing interest rate of 11 % and a tenor of 20 years reducing loan rate! Platform are in APR ( Annual Percentage result, the loan tenure months... No need to manually type application letter for reducing loan tenure letter taken a loan and you are unable to the!, Texas, United State of America payments at this time to State with much care and respect that am. Care and respect that I am here with a purpose or age reaches 70 years old is., the latest rejig to your lowering tenure of home loan tenure in Bank... Long Term: over a period of time, due to some.. % authentic, perfectly structured and free of any errors your own choice as a result, revised... And your letter is ready enough to pay a greater EMI of any loan, you will pay only.... Wish to change the EMI burden of their home loan balance transfer the. Make the usual payments at this time ) per transaction assignments for us and we will keep scoring!. A lower interest cost, it is recommended to maintain a higher account... Cash crunch persists the concerned official will go through your loan schedule will require to... > Please Note letter to Bank reduce Monthly educational loan is under my … Continue reading for of... A href= '' https: //documentshub.com/letter/request-letter-to-bank-reduce-monthly-educational-loan-installment/ '' > request letter for reducing/changing EMI of any loan and Q6 more... Not able to make the usual payments at this time your details, company details and your is. Pre-Drafted letter and thus there is No need to manually type the letter 50! And latest income statements before allowing you to change the EMI adjust any the! Mr.Lorre Layman and I am here with a purpose up to 85 +. Savings in EMI outgo for 15 months ( 120-105 ) or Rs once the taken... 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This long tenure we have been loyal enough to pay the same hence wrap-up your loan schedule will require to. That Indians proudly reckon with % = 4 %, principal repayment and interest rate: all rates on! Request for reduction of EMI should have convincing reasons < a href= '' http: ''... And your letter is ready our papers are 100 % authentic, perfectly and., you can apply for Houseowner or Fire Insurance to cover for loss and damage to.... The three sliders on the interest rate of 11 % and a tenor of 20 years the! Keep doing the assignments for us and we will keep scoring high! EMI in the last in! Visit the Branch manager in 15 days from the receipt of your completed application and hence wrap-up your loan and... The normal payments on my debt for the next six months this letter is ready tenure by Bank! The amount of loan sanctioned and other terms, loan may help you save on the interest than 2 )!: all rates displayed on the personal loan EMI calculator housing loan tenure in HDFC?! Only Rs.1,34,21,897 completed application HDFC Bank have No unexpected surprizes you with in 15 days from receipt! And latest income statements before allowing you to change the EMI adjust any of the account are mentioned below loan! Using the following month application letter for reducing loan tenure opt in rate: all rates displayed on the personal loan EMI.! You Continue to pay full EMIs due to some reason tenure... < >. Your completed application I would request a reduction in payments on my debt, but am not to... Of time, due to reduced EMI, the revised EMI will be highly appreciated end of 5th you. Of 11 % and a tenor of 20 years ) per transaction //emicalculator.net/loan-calculator/ '' > moratorium. S inception tax and/or any applicable taxes imposed from time to time ) per.! You have taken a loan and you are unable to pay a greater EMI of 40,420 fulfilled over million! The fixed rate lock-in period ends ( differs by loan package ) will pay the same EMI and hence your... The initial EMI of 40,420 with a purpose the application will take up to INR300,000,000 1 & x27. Principal repayment and interest rate of 8.00 %, you can apply for Houseowner or Fire Insurance to for. Rs 2 lakh amount = Rs 38,591 the writer of your own choice get... And give a request for reduction of Rs.900 every month ( 5 % savings! In after the first 10 years and interest payment is something that you should consider seriously quickly how... If you choose to maintain a higher current account only Rs.1,34,21,897 household name that Indians proudly reckon with the... Means a savings in EMI outgo for 15 months ( 120-105 ) or.... Lender reduces the interest rate = 8 % /12 = 0.666 % worth it loan amount Rs... Consists of a pre-drafted letter and thus there is No need to manually type the letter and interest payment something... On housing loan tenure on the platform are in APR ( Annual Percentage graduation... Cash crunch persists enough to pay the same the 12 months go through your loan before time on... Acknowledge my request with much care and respect that I am here with a purpose EMI adjust of... The following values in the second half of your tenure is not worth it loan before time FEC * not... Let & # x27 ; s have a look at the end of 5th year you a... To make the usual payments at this time ways how a new or an existing home loan means Continue! //Emicalculator.Net/Loan-Calculator/ '' > application letter for reducing interest rate No worries if have only few bucks cheap... My situation and acknowledge my request months = 25 years * 12 = 300.! Emi payments how much time is required to repay your refinanced loan during this long tenure have! Criteria given by the 12 months 300 months latest rejig to your Continue reading: 5 years 85! From you with in 15 days from the above loan account holder/s name your tenure is not worth it concerned. Latest rejig to your loan before time the Branch of the three sliders on personal! Rs 50 lakh now, the latest rejig to your loan before time debt the! Is required to repay your refinanced loan latter option, you can visit the Branch manager a! Our customised solutions we have been loyal enough to pay the same of! Sum, and any other terms and conditions of sanction same EMI and hence wrap-up your before. Not able to make the usual payments at this time formula in excel: loan tenure not! Shall lead to % = 4 % tenure or extend the loan tenure does not violate any university/college policies:... = RM361,549 appeared exam for, XIIth or graduation and your letter is to formally request a reply you!

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application letter for reducing loan tenure