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Are you a first time entrepreneur to start your own business? Then you will surely short of some finance and undoubtedly need a bank loan. Nowadays many financial institutions are offering loans but before going for any of them make sure that it is according to your needs. Most of the novice business men prefer to go for mortgage and in this regard they better think of getting home mortgage. Regardless of what type of loan you prefer, you must ensure the insurance of your loan. Especially in case of credit card, it is a must get necessity. Many insurance companies are offering loan insurance with good packages including free life and car insurance.