We are providing you a way out by virtue of which you can avoid Loan Default and for that you must go through the below video
The best way is to communicate to the bank and make sure that your emi donot bounce for 3 months consecutively.Approach the bank with your problem when you are paying the emi.
They can restructure the loan or reduce emi or increase loan payment period or close present loan and give you new loan with a lien period.
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