I guess most of the issues are to be blamed on agents of the bank,who keeping thier own interests in mind misguide the customer into a deal.I myself was trapped in a personal loan with a interest rate of 36 % !! Call it stupidity or naivete I ended up paying almost double of what I borrowed. The banking system in India is so flawed that those who need money are made to pay higher interest than the more wealthy customers of the bank.
