With the end in the application process and the release of the tentative examinations dates, the candidates need to pace up their preparation to enjoy all the perks associated with Central Government jobs. To ensure that the candidates are thorough with the preparation, they can not miss out on SSC CGL previous year papers. It will help the candidates to scale their preparations and work on the weak areas.

Exam Pattern of SSC CGL Examination

Before the candidate starts to revise from SSC CGL previous year papers, they need to be thorough the current exam pattern. The recruitment process of the candidates is done in four tiers as given below:

• The tier-l exam consists of 100 questions where each question carries two marks each. The total time span of the exam is 60minutes.
• The tier-ll examinations comprise four sections where 100 questions are asked from each section. The total marks are 200 for this exam.
• Tier-lll is a descriptive paper. The paper can be Hindi or English and will constitute 100 marks. The total time span is 60 minutes.
• The tier-lV exam comprises a computer skill test or typing test.

Important Questions on Quantitative Aptitude from SSC CGL Previous Year Papers

The candidates can practise the Quantitative Aptitude from SSC CGL previous year papers to ace their preparations and have an idea on the topics that are generally given importance by the SSC. They need to practise the topics that have been repeated more than twice in previous years. Moreover, the candidates also need to keep the time span in mind when they go through the SSC CGL previous year papers.

Topic-Wise Question Distribution

Some of the questions asked from these important topics are given below:

Question: A and B can together finish a work in 24days, and A, B and C can together complete a work in 8 days. How many days will C need to complete the work?

Answer: 12days

Question: A certain sum of money was divided among A, B and C in the ratio 5:6:9. What is the amount divided if A received Rs. 450?

Answer: Rs. 1800

Question: A profit of 15% was made by selling a bag at Rs. 230. What is the SP of the bag if the bag was sold at 20% profit?

Answer: Rs. 240

Question: A bus travels at a speed of 36km/hr. What is the distance covered by it in one second?

Answer: 10m

Important Questions on English Language and Comprehension from SSC CGL Previous Year Papers

To score well in the English language section, the candidates need to have a good grasp on the basics of grammar. Having a habit of reading and proper practice of the SSC CGL previous year papers will help the candidates to understand the areas they need to work on and improve.

Topic-Wise Question Distribution

Some of the questions asked from these topics include:

Question: Do your best, and we will back you ___.

Answer: Up

Question: Arun _____ his mother every morning.

Answer: Calls up

Question: Meaning of an axe to grind

Answer: Have a selfish interest

Question: A person who relies too much on bookish learning

Answer: Pedant

Important Questions on General Awareness from SSC CGL Previous Year Questions

In this part, the candidate needs to have a good knowledge of General Awareness. The candidates need to have good knowledge on various subjects like geography, physics, biology, physics, computer and sports. Also, candidates should daily go through the SSC CGL previous years papers as it will help the candidate to have a better understanding of the area they need to work for.

Topic-Wise Question Distribution

Some of the questions asked from these topics include:

Question: Neeraj Chopra is associated with which sports?

Answer: Javelin Throw

Question: In the recently held UEFA Euro-16 who is the runner up?

Answer: France

Question: Which is an emergency hormone in human?

Answer: Adrenaline

Question: Which term is not associated with Sound Wave?

Answer: Candela

Important Questions on Reasoning Aptitude from SSC CGL Previous Year Questions

The candidate needs to spend more time on this part as its more complicated and needs more time to solve. So candidates should prepare better in order to score good marks in this part. Also, practice the SSC CGL Previous Years paper as it will help the candidate in getting a proper understanding of reasoning and will also help them to score well in the exam.

Topic-Wise Question Distribution

Some of the questions asked from these topics include:

Question: In a given series, there is one missing term. Choose the alternative that is correct from the given ones that will complete the series.

4, 9, 16, 25, 36, ?

Answer: 49

Question: A is D’s brother. D is B’s father. B&C are sisters. How is C related to A?

Answer: Niece

Question: 5 girls are sitting in a row. P is to the left of M and to the right of O. R is sitting to the right of N but to the left of O. Who is sitting in the middle?

Answer: O

Question: If S = 19, SUN = 54, and the Cake = 20, then Mistake = ?

Answer: 78

Mark the Important Question 

In order to score well candidates needs to go through the SSC CGL previous year paper. It will not only help the candidates in having a good perception of the exam pattern but also help them to prepare well for their forthcoming exam. So, go through the pattern mentioned above and mark the question that you think is important for the SSC CGL exam 2019.

The loans have to be repaid by in 12 monthly installments. These funds are held in the bank account so you cannot see them and hence cannot spend them while you are paying monthly installments. However, when these loans are cleared off, you receive the money.

How do these loans assist you?

These loans are also known as ‘Fresh Start Loans’, ‘Share secured loans’ or ‘Starting over Loans’. That is because these loans assist individuals who have never taken credit i.e. who possess no credit history or are attempting to rebuild from their mistakes. These loans support you to develop a record of reliable financial performance.

When we analyze loans from the perspective of a credit supplier, it becomes obvious that lenders are extra careful while lending money given how it is risky. They prefer to lend money to those people who they think will repay it back in time. These are people with a solid credit history. However, a person does not necessarily require a great credit history to get approved for a credit builder loans.

Lenders tend to trust you with their finance provided you have a decent credit history. Credit Builder loans help solve this problem for the lender and you alike.

• This is because lenders can provide you with a loan without having to jeopardize their financial safety with the assumption that you will not repay them.

• They also help you create credit and save money at the same time.

Who affords you these such loans?

Credit builder loans are usually granted by financial organizations that operate on a small scale, such as small banks and credit unions. These loans are not marketed enough like other loans are and therefore, are not very well known. There are a few lenders that provide this facility online. However, they require a fee for registration.

How do these loans work?

The loan amount that you borrow is kept in a bank account while you make payments in installments. The lender does not give you access to the money you have agreed to borrow until you clear the loan amount. There is no risk involved because they are the ones controlling the funds. Due to this financial safety net, lenders are more open to providing these types of loans to people with no credit history or poor credit.

Once you are eligible and confirmed for such a loan, the credit suppliers give a detailed account of your payment history to the CRA’s. This creates a credit history of timely payments for you which ultimately improve credit score uk.

How do you acquire this loan?

• Choose the right financial institution

As mentioned above, small scale financial institutions are more willing to provide credit builder loans in the UK. Apart from these small co-operative banks and credit unions, there are a few lenders that provide the same facility online.

• Select the loan amount

The next step is to make a decision regarding the loan amount in accordance with your personal needs. If you have a financial crunch, it would be advisable to choose a small loan amount that has affordable monthly installments. Usually, the loan amount ranges from £300 and £1,000. The size of the loan is not nearly as important to consider as the question of whether you will be able to return it on time. It is essential to know the terms of the credit builder loan completely before going ahead with it.

• Comparison of key aspects between different lenders

The interest rate, the lender’s system that decides whether or not you will get the interest that has accumulated, and the expenses you will pay play critical roles in availing a credit builder loan. APR i.e. Annual Percentage Rate is another key aspect. Generally, lenders charge less than 10%. You must compare each of these aspects with different lenders in order to decide on the lender that suits you the best in terms of your needs, without having to burn a hole in your pocket.

• Loan application:

The last step in the process is the loan application. The application is very simple and straightforward because you are only required to provide your general details. The information that you will have to provide for the application for a credit builder loan includes the following:

• Personal details

• Pre-tax monthly earning

• Information about employment

• References

• Saving account balances etc

The advantage here is that unlike other loans, a credit builder loan will not reject you for having a bad credit history.

Effect of Credit builder loan on Credit score/Credit rating

The way in which you use a credit builder loan determines if it will develop your credit rating. If you make it a point to make timely payments in installments, it will work in your favor and assist you in establishing a solid credit history. You will have to present yourself as a person who can be trustworthy and responsible for financial matters such as credit handling. However, if you miss a payment, the same will reflect in your credit rating. If you do not have a mature credit history, it will significantly bring down your credit rating.

Therefore, credit builder loans prove to be beneficial to the customers as well and lenders alike who do not have to take on the burden of having to deal with other loans that come with risks.