Debt Consolidation for IT Professionals & Software Engineers

// Your Current Debt Situation
const currentLoans = {
    personalLoan1: { emi: 15000, rate: 18.5, balance: 350000 },
    personalLoan2: { emi: 8500, rate: 21.0, balance: 180000 },
    creditCard1: { emi: 12000, rate: 42.0, balance: 240000 },
    creditCard2: { emi: 7500, rate: 38.0, balance: 140000 },
    appLoan: { emi: 6000, rate: 24.0, balance: 85000 }
};

const totalCurrentEMI = 15000 + 8500 + 12000 + 7500 + 6000; // ₹49,000
const totalDebt = 350000 + 180000 + 240000 + 140000 + 85000; // ₹9.95L
const avgInterestRate = 28.7; // Weighted average

// ❌ Problem: High interest, multiple EMIs, financial stress

// ============================================================

// After ADVANCECRED Debt Consolidation for IT Professionals
const consolidatedLoan = {
    totalAmount: 995000, // All loans merged
    interestRate: 10.99, // IT Professional rate
    tenure: 4, // years
    monthlyEMI: 25850 // Single EMI
};

const savings = {
    monthlyEMISaved: 49000 - 25850, // ₹23,150 saved per month
    annualSavings: (49000 - 25850) * 12, // ₹2,77,800 per year
    interestSaved: (28.7 - 10.99), // 17.71% interest reduction
    stressLevel: "ZERO", // No more multiple EMIs
    creditScore: "IMPROVING" // Single loan, timely payments
};

console.log("✓ Monthly savings:", savings.monthlyEMISaved); // ₹23,150
console.log("✓ Approval time: 2-4 hours");
console.log("✓ Status: APPROVED");