Total Cost of Credit or TCC refers to the total amount payable for a loan, including all bank fees and charges, and estimated third party costs such as legal fees,and valuation and stamp duty in the case of loans secured by a physical asset.
Before signing a loan agreement, a customer should request the bank to provide them with a Total Cost of Credit breakdown as well as the Loan Repayment Schedule. This will not only empower the customer to make an informed decision, but also will enable the customer to compare the fees and charges within the market.
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