Well, I found personal loan is the most easy & hassle free way to get the loan. One thing u can do is negotiate the interest rates with these agents of private banks..... talk to 3-4 banks & try to find the best deal...they do reduce their int rates when you tell them that xyz bank is offering me xxx rate, can u offer the rate lower than that ?
if u r going for big amounts u certainly get good rates.
I have a couple of personal loans going on at 11 % reducing balance.
The only drawback is the repayment period is max. 5 years.