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Question

And%20if%20they%20do%20affect%20the%20process%2C%20could%20it%20be%20compensated%20by%20a%20good%20GRE%2FGMAT%20score%20%3F%20Or%20the%20only%20option%20left%20would%20be%20a%20collateral%20loan%3F

Smoky zz · Answer

Hi%20Jaijeet%0ADefinitely%20your%20chances%20are%20less%20but%20Not%20NIL%20for%20Non-collateral%20Loan%20Because%20of%20Your%20Backlogs%20as%20These%20loans%20are%20Provided%20to%20you%20on%20Basis%20of%20your%20Bachelors%20scores%2C%20Gre%2Fgmat%20Scores%2C%20Your%20Graduate%20course%20%2CCollege%20and%20Chances%20of%20Job%20Opportunities%20in%20future%20and%20Also%20if%20You%20get%20a%20loan%2C%20The%20Interest%20Rate%20Will%20be%20Higher%20than%20Avg.%20If%20You%20Have%20Work%20Exp%20your%20Backlogs%20might%20Not%20be%20a%20Hinderance%20as%20You%20are%20Already%20Job%20Ready%20post%20Graduation%20and%20Even%20your%20Non-Collateral%20Loan%20depends%20on%20Your%20Co-signer%20Profile%20like%20CIBIL%20for%20INR%20Loans.%20But%20For%20a%20Collateral%20loan%20you'd%20get%20your%20loan%20based%20on%20your%20Property%20value%20and%20they%20Don't%20Base%20it%20Much%20on%20your%20Profile%20as%20i%20Have%20seen%20a%20guy%20getting%20a%20Loan%20From%20SBI%20with%202%20Yearback%20because%20he%20had%20a%20Collateral%20with%208.5%25%20interest.

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I just completed my B.Com (H) with 4 backlogs in total, 3 in the first semester and 1 in the 5th semester. Could these backlogs affect my chances of getting a non collateral loan for studying abroad?