How often have you been lured to avail a personal loan when your relationship banker has offered you a ‘no rules attached’ personal loan?
How to determine on being a personal loan guarantor? The question you should ask yourself is whether you will be able to repay the loan if the primary borrower defaults. Remember, when you agree to become a guarantor for a personal loan, you are making a financial commitment, one that should be done only after considering all the aspects.
If planned well and implemented with discipline, you can actually lessen your burden by shedding your liability, partially or fully. However, make sure that the cost attached to prepayment, if any, in the form of a penalty does not nullify the benefits.
Men are from Mars, Women are from Venus. No one knows if it’s right or not. But when it’s about loans, this theory does seem plausible. For, motives, ideas and perspectives change when either of the sexes thinks about loans for investment.
Credit cards have become a lifeline for everyone in modern times. However, this much-sought after boon can be a real bane to your finances if not used with care.
Consumer’s past credit actions comprises credit history. Potential creditors, such as mortgage lenders and credit card companies, use the information in a consumer’s credit history to decide whether to extend credit to that consumer.
To be a homeowner of your dream house is not merely a financial decision. It is an emotional decision too.
Are you hunting for a home? A home loan helps you achieve peace of mind by providing you with one of the basic necessities of life – a roof over your head.
Before you get tempted to bite the bait of ‘no strings attached’ personal loan, we recommend the five most important personal loan tips everyone must follow to avoid personal loan debt trap of high interest rates and or unduly repayment.
Every loan borrower has different financial objectives and priorities in life, and attitudes towards risks. Many consumers often find themselves in a dilemma when it comes to choosing between secured and unsecured loan.
Buying a Housing property and financing it through home loan has many benefits; however it requires a certain amount of financial planning on the individual’s part in order to make the process easier throughout the easy loan tenure.
Loans or credit agreements can vary in terms of interest-rate structure, transaction fees, late penalties and other factors. A standardized computation such as the APR provides borrowers with a bottom-line number they can easily compare to rates charged by other potential lenders.
Car makers are ready with several new launches coupled with attractive deals luring consumers to step into a car showroom and step out having bought a car.
It’s common these days to own your dream car with no money in your bank. Banks provide various financing schemes in the form of finance for purchasing cars.
When you shop for a car you look at several different dealers, makes and models. It is just as important to shop for a car loan.
An insight on how to Save Money While You Ride Your Car
The strongest argument for buying is you’ll own the car right away or when the loan is paid off.
Life has become simpler with the convenience of credit cards and the uncountable benefits it caters. But it often comes at a price of making considerable section of borrowers falling into debt trap which is turning their life difficult.
Need a personal loan in India? As a borrower, it is much easier to obtain a personal loan if you have a guarantor. In fact, due to the risky nature of unsecured loans, some banks may not actually approve a loan unless the borrower finds a guarantor who is willing to be responsible for his or her loan.
The business of reporting consumer credit is highly regulated. Your Credit Information Report (CIR) plays a large part in the loan application process.
A credit card is a loan with a difference. Here, you get credit while you go spending or paying bills. However, the interest rates on credit cards are much higher than that on other loans.
Every month, a large number of people miss the deadline for making credit card payments. Late payments are one piece of information that credit reporting agencies use when calculating your score.
It’s not just the security of shelter that a house gives you – it can help you in so many more ways!
Personal loans sound very lucrative and of course help us out in tricky situations or to come off emergency situations, but one needs to be very careful and aware of what they are getting themselves into while opting for a personal loan!
Thinking of having your own house - a space you can call your own house and eventually make it into a home where you share and cherish memories of a lifetime? Here are the things to consider when you take a home loan to turn your dream house into a reality.
There are a few important tips that you should take care of while you opt for personal Loan.
A loan to buy a house is one financial burden which greatly affects your finances as it involves a sizeable amount of your income that goes into paying for it. To look for options where you can reduce repayment of existing home loan and easier terms and conditions or even reduce or extend the tenure of home loan, you need to relook at prevailing interest rates and facilities on home loans offered by different banks or financial institutions.
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Personal loan is a good loan. How? Well, it cares for you and helps you to come out of your problems. Whether you want to accomplish your dreams or you want to save more money, personal loan is there for you.
There are times when you need financial help for which you can’t totally rely on your relatives or friends for the financial help because they have their own needs to meet. It can be your dream vacation or a medical emergency, which require a good amount of money and to get the aid quickly, you can possibly opt for loans because it’s one of the fastest ways to get the help.
Credit card is a common term and almost every Indian owns a credit card. Be it your dream of travelling or your habit of shopping, everything is just a swipe away with a credit card. Basically, credit card signifies “buy now, pay later” and to make your life more expedient, it also rewards you every time you spend.
Isn’t it great that besides providing you the shelter, your home can also prove its value even in troublesome situations? With Loan against property you can use your house, not just for residential purpose but to solve your other financial crisis too.
There’s no place like home and these days, home loans are a great option to own your dream house. But if you are taking home loan, for the first time in your life, there are few things which you must know, before applying for the home loan.
EMI stands for “Equated Monthly Instalments”, which a person is liable to pay along with the interest that financial institutions charged if he/she has taken a loan from bank or NBFC. Loan, as you may already know, is an amount that you borrow from banks and NBFCs and it can be for any purpose whether you borrow it for an emergency or for a celebration. Borrower needs to pay back the borrowed amount and banks charged you interest rate on that loan amount, to bridge the gap between you being unknown to them.
Initially, credit cards were not as popular as they are now due to the limited features and rewards. As the competition is increasing, Credit card providers have also started offering innumerable attractive offers and reward point, on your cards. Not just you receive various rewards; you can also choose your credit card according to your need because credit card companies are offering specialized cards such as shopping card, fuel card, mile card, etc.
Be it your dream of travelling, medical emergency or a business expansion plan, they all have one thing in common and that is money. Due to lack of funding, most of the people end up in a bewilder situation. However, solution is always available if we look around attentively, like loans which are, basically, an amount that you borrow from financial institutions with a promise to give it back within certain tenure.
In the present era, nothing is impossible unlike earlier. You name your wish and there’ll be oodles of options available for you to fulfil your wish. Buying a dream house is one of the greatest wishes for everyone and nowadays, there are innumerable real estate options available, to find your dream house and home loan options to buy that house.
Buying a home is not just a dream; it’s an ardent desire for most of the people and to buy their dream house they do every possible thing. Some people believe in saving money and then buying their dream house while some borrow money from local lenders, friends or family. But the disadvantage of borrowing money from such local lenders is that it doesn’t involve any paperwork and they can charge you interest rate, according to their will without any regulations.
As the name suggest, personal loan is for fulfilling all your personal needs. Whether you have dream of going on a dream vacation or you want to have a big fat wedding, personal is there to help you cherish all your precious moments without worrying about the funds. People also opt for personal loan during an emergency situation like medical emergency as the approval of personal loan is faster than the other loans and there are surfeits of lenders where one can get personal loan without any hardships.
IFSC code stands for Indian Financial System Code which is inevitable in order to transfer funds anywhere in India. Basically, it’s an eleven character code, including four alphabetical characters representing the Bank name. Out of 11 eleven characters, the fifth character is Zero which is reserved for future use and the last six characters are the branch code.
Loan may not be so pleasing to hear but during the financial crisis, loan is the only reasonable solution to rely on and to meet the requirements. Borrowing from friends and family, can be a solution but does it feel right to disturb their finances?
Maximum number of people buys a house once in a lifetime, which is why buying a house is one of the biggest decisions. It may not possible that all of them would be having enough savings to buy the house but that should not come in between when it’s about to buy their dream house. Loans are an ultimate solution to leave the worries behind and focus on to accomplish your dream.
Nowadays, buying a house has become so expedient with Housing loans that anyone can own their dream house without any hassle. Multiple lenders have started providing home loans with easy steps and that too within few days, but still people are facing few problems. Besides the fact that lenders help borrowers throughout the process, there are certain problems which a borrower generally faces.
There are many reasons why your personal loan can be rejected. Want to avoid that? Here are a few tips especially if you are applying for a personal loan in RBL Bank. Keep reading.
Getting a home loan isn’t easy. However, with Tata Capital, here are some things that will make you eligible for the same.
Balance transfer of the personal loan, as the name suggests, is the transfer of the outstanding principal amount on the existing loan to another bank. Usually, this type of transfer is done to get the better interest rates and to save money. Just about all types of loans can be transferred from one bank to another. Thankfully, most of the banks and financial institutions offer this service.
Finance is the most important aspect of business. Every business owner small or large needs money for variety of reasons, but not everyone knows how much money they need to borrow exactly. The point of loan should be to help your business to expand or we can say when you want it to take it to the next level.
Unlike other kind of loans you can get a personal loan sanctioned in a matter of 2-3 days. When bank officials come to your house, you have to furnish all the required documents to them and if they are satisfied they will complete all the formalities and sanction the amount in 2-3 days.
Business loans are those which are given to a self-employed individual or an entity in order to help expand or sustain their operations. By their nature, business loans are unsecured, which means that they do not need any security, collateral or guarantor.
Tired of owning a small business? But do you have the financial support to grow into a medium or a big business? This post will discuss how a business loan can benefit small businesses.
Before you take a loan against property, here are some things you need to look out for, interest-wise!
Planning on taking a business loan, but don’t know if you are eligible? Knowing if you are eligible before applying for a loan can help you save money and time. Read the post below to know the points that determine your business loan eligibility.
Not every entrepreneur has the financial acumen required to run a small business successfully, and mistakes are very common. While access to loans for small businesses is now easier than ever, it is still better to avoid financial mistakes as they can be devastating for the business. Some of the most common financial mistakes committed by small businesses are mentioned in this post.
There are few mistakes that many borrowers do while taking loan against property. During applying loan against property, borrower should compare the interest rates of different banks and also read pre-payment policies clearly for avoiding any mistake.
Personal loan is a great tool to fulfill the need of money in case of any emergency. Now, you can apply for personal loan online easily. Also, you can compare different EMI plans and select the best offer according to your need.
Nowadays it is getting difficult to own your house. Still, people want to own their home, and for this, they prefer to have the home loan. Many financial institutions help you to avail home loan at easy terms and conditions but selecting the cheapest and best one involves lots of research. So, while applying for any home loan, always read the interest rate and process of obtaining home loan carefully to avail most affordable home loans for buying your dream home.
Applying for a personal loan is as easy as clicking a website. It is the very quick process if you apply through online. For getting a personal loan, you need to fill up the questionnaire and then click to Get Loan Quote. You don’t need to take the support of anyone if you are applying for personal loan. Also, if you are worrying about EMI, then there are personal loan EMI calculators that will help you to calculate EMI.
There are a number of reasons why a business loan will help your company expand. If you are not sure, here are few to convince you.
Getting home loan with bad credits is a big task. So, whenever you are in such condition where the need for home loan is imminent, then must try to apply for home loan online. There are various options available to get cheapest home loan with bad credit.
Applying loan for commercial property is good option in case of urgent money requirement. But there are few things you need to consider before applying a loan for commercial property. This will help you to get maximum benefit of loan.
While applying for business loan, then collateral matters a lot. It lowers interest rates and helps in increasing the loan amount. There are many more benefits that you can only avail in case of online application of home loan.
Are you in need of low interest rate home loan? Do you know how to get a home loan at considerable lower interest rate? There are numerous ways to reduce the rate of interest on home loans. Like interest rate get reduced if you take it for a senior citizen or a female member. In this blog, you will find some more relevant options to lower the home loan interest rate.