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Additional charges in a personal loan!
In today’s financial taking a personal loan to meet various kinds of requirements has become a common affair which thousands of young earning professionals are resorting to on a regular basis. However...
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How to increase your home loan eligibility!
While looking for the right home loan to buy a dream house one may come across a situation when the total amount that one is eligible for is insufficient. It is such situations that one needs to work...
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Eligibility checklist for a home loan!
While applying for a home loan one must bear in mind that there are several other factors besides the income which are taken into account while deciding the eligible amount for home loan to an...
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Have a credit card personality?
When we talk about credit card usage we find different people managing it in a different way. Some people are highly disciplined and never default on their monthly installments and others are so messy...
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Manage debt wisely!
Try to lower your interest rate. Negotiate with your bank. One other way is to convert your credit card debt into a personal loan debt. It will definitely be lesser than the credit card interest rate....
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Evaluating personal loan against gold!
Gold has a certain element of emotional value for all Indians. Taking personal loans against family gold had not been considered as a preferable option till late though the tradition of loan against...
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Understand loan transfer!
A home loan transfer (also known as refinancing or balance transfer) is an option that most individuals opt for to avail the benefit from lower interest rates prevalent in the market. Usually the...
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7 alerts for a money crunch!
Can you survive a job loss for six months? Do you have some funds stashed away for such emergencies until you gather your reins and surge ahead confidently with a new job and a new plan for the future...
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Credit card EMIs – Tread with care!
EMI is a common household term today, as more and more people are availing different kinds of credits to meet their financial needs. The same is applicable to outstanding amounts in credit card dues...
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Need counseling for your loan?!
Are you tired of paying your loan EMIs and is it taking a toll on your health? Are you a genuine customer who is currently in a financial position which does not let you repay your loans on time?...
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Repayment options in car loans!
Car loans in India have undergone widespread in the past few years with the financiers evolving new and innovative loan products in an attempt to attract more customers. There are various kinds of...
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Understand your credit profile!
When you apply for a loan, banks judge your ability to repay the loan on numerous counts including your age, income, job stability and your credit report, which is a reflection of your true credit...
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Should you prepay your personal loan before other loans?
Prepaying a loan when there is some amount of additional funds at hand is a good idea but it does require one to carefully analyze the implications in terms of interest saved and opportunity missed....
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Who can become a guarantor in a personal loan?
Being unsecured by nature where the banks do not get any collateral security the personal loans require another individual to become guarantor for the borrower. This implies that in the event of the...
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What happens after personal loan is disbursed?
Personal loans are being availed today by thousands of earning professionals to meet various requirements in their lives. The ease and simplicity associated with the personal loan along with no...
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Why you should not take inflation lightly!
Let’s say you can purchase one kilogram of rice with Rs. 50 today. Ten years ago, you could have purchased 2 kilograms of the same quality of rice with Rs. 50. And ten years hence, you will probably...
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How can you plan your EMIs?
Purchasing a home and moving into it is a dream come true for many individuals. Almost all home purchases today are funded by a home loan. This means payment of hefty amount as down payment as well as...
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How not to be a loan defaulter!
Becoming a victim of circumstances or willfully being a loan defaulter whether of large sums or for a small amount, is not good for your credit reputation. Often loan defaults occur when you take on...
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Popular alternatives for a personal loan!
When you are in the urgent need of cash, the easiest option seems to be taking a personal loan. But with the raging interest rates these days, it’s not quite wise to get into the vicious cycle of...
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All about supplementary credit cards!
Long ago, taking a loan from the bank was considered as taboo in the society but since the introduction of credit cards it is quite alright to buy things on credit. Later on, a new concept called...
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