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EMIs

Loan Against Property: What are the risks involved? Are there some benefits?

Loan Against Property: What are the risks involved? Are there some benefits?

Tue, Aug 22, 2023

The borrowers face the risk of losing the ownership over the mortgaged property in case of defaults on loan against property. If the borrower is unable to repay the loan, the bank will have control over the property pledged as the collateral. The lender can auction or sell the property to recover its unpaid dues.

Home Loan: What are the penalties if you miss your home loan EMI?

Home Loan: What are the penalties if you miss your home loan EMI?

Sat, Aug 12, 2023

Pending EMI payments can lower a borrower’s credit score. This means that the person will be less likely to get loans and credit cards at favourable interest rates in the future.

Home Loan: Tips to negotiate your home loan to get it at lower interest rate

Home Loan: Tips to negotiate your home loan to get it at lower interest rate

Mon, Aug 07, 2023

Lenders often offer preferential rates to customers with a solid credit history. If your credit score is near 800 and you have maintained a responsible repayment track record, you may be eligible for better rates on your loan.

TRENDING NOW

Get ready to pay more on your personal, car, home loan EMIs

Get ready to pay more on your personal, car, home loan EMIs

Wed, Feb 14, 2018

On February 7, HDFC Bank increased MCLR by 10 basis points for some tenures, while Axis Bank in January 2018 had raised the benchmark by 5 basis points.

Impact of base rate, BPLR changes on your home loan EMIs

Impact of base rate, BPLR changes on your home loan EMIs

Wed, Jan 03, 2018

Whenever SBI makes any changes either in savings or in lending rates, other banks follow the suit.

How to reduce losses while at work

How to reduce losses while at work

Tue, Jan 02, 2018

On a daily basis, we end up spending a lot more than what we should. Staying a bit careful and making some lifestyle changes can save a lot of our money. Let us have a look on how we can save a little more in our day-to-day life. Automate credit card payments

ICICI Bank home loan: This is how much you can save from 1% cashback

ICICI Bank home loan: This is how much you can save from 1% cashback

Tue, Oct 03, 2017

ICICI Bank is the latest one to introduce new offer for its retail borrowers in this festive season. However, the move is not entirely new and comes right after when its rival Axis Bank made some waiver of EMIs on home loan.

Festive season coming soon, are your finances ready?

Festive season coming soon, are your finances ready?

Thu, Sep 07, 2017

It is important to plan your Credit Card expenditure too by deciding how much Credit Card debt you can manage in future. Once you have zeroed in on an amount that you can spare for your festival shopping, stick to that budget.

Have multiple loans? This what you need to look at before closing them

Have multiple loans? This what you need to look at before closing them

Wed, Aug 30, 2017

Taking loans now a days has become a necessity. Whether you want to buy a car or a home, loans are the only option which can help you with finances.

Want to buy a car but not pay EMIs? We have a solution

Want to buy a car but not pay EMIs? We have a solution

Tue, Aug 08, 2017

Your dream to buy a shiny new car hinges on the money you are able to save and the equated monthly installments (EMIs) that you are ready to pay.

RBI's SLR cut may help bring down your EMIs

RBI's SLR cut may help bring down your EMIs

Wed, Jun 07, 2017

Any reduction in SLR gives more room to bankers for trimming interest rates. This would mean, if you are borrower your EMIs may come down further.

Debt Trap: Follow these simple steps to keep your EMIs in check

Debt Trap: Follow these simple steps to keep your EMIs in check

Wed, May 24, 2017

As a thumb rule, all your EMIs put together – be they for personal loans, auto loan, credit cards, home loans, education loan – should not be more that 30% of your salary.

Now you can use 90% of your EPF to buy a home. Keep these 5 conditions in mind

Now you can use 90% of your EPF to buy a home. Keep these 5 conditions in mind

Tue, Apr 25, 2017

The 68B talks about the withdrawal from the Fund for the purchase of a dwelling house/flat or for the construction of a dwelling house including the acquisition of a suitable site for the purpose.

Here are key things to know about Govt's credit linked interest subsidy scheme on housing loans

Here are key things to know about Govt's credit linked interest subsidy scheme on housing loans

Thu, Mar 23, 2017

The government has recently launched guidelines on Credit Linked Subsidy Scheme (CLSS) under Pradhan Mantri Awas Yojana (Urban) for middle-income groups which are set to bring down EMIs down on housing loans for buyers by over Rs 2,000 per month.

Govt to amend EPF scheme to enable subscribers to withdraw 90% of funds for buying homes

Govt to amend EPF scheme to enable subscribers to withdraw 90% of funds for buying homes

Wed, Mar 15, 2017

The proposed EPF scheme will enable around four crore members of retirement fund body EPFO to withdraw up to 90% of their fund for making down payments while buying homes.

Inflation impact: Say goodbye to your dreams of lower EMIs

Inflation impact: Say goodbye to your dreams of lower EMIs

Wed, Mar 15, 2017

India's wholesale and retail inflation has inched up to 6.55% and 3.65%, respectively for February 2017.

Retirement fund body EPFO to launch housing scheme for over 4 crore subscribers in March

Retirement fund body EPFO to launch housing scheme for over 4 crore subscribers in March

Fri, Feb 24, 2017

EPFO will launch a housing scheme next month for its over four crore members to enable them to make down payment and pay equated monthly installments (EMIs) from their employees' provident fund accounts to buy homes.

Interest Rate Cut: Real estate companies expect more to boost demand for housing

Interest Rate Cut: Real estate companies expect more to boost demand for housing

Thu, Jan 05, 2017

After all leading banks lowered their home loan rates, real estate developers are now expecting further rate cuts in order to boost demand for housing.

Indiabulls Housing Finance revises home loan rate by 45 basis points

Indiabulls Housing Finance revises home loan rate by 45 basis points

Tue, Jan 03, 2017

Gagan Banga, Vice Chairman and Managing Director of Indiabulls Housing Finance said, "IBHFL's diversified funding mix and ALM-matched nature of our liabilities has enabled the company to reduce home loan rates by 45 basis points. Home loan rates are now at their lowest in six years and tremendously improves the buyers affordability."

Here's how to convert Rs 1600 saving on your home loan EMI into Rs 17 lakh!

Here's how to convert Rs 1600 saving on your home loan EMI into Rs 17 lakh!

Tue, Jan 03, 2017

State Bank of India, reduced its MCLR rates by 0.90% points across all tenure loans

Is there anything in RBI's monetary policy today for the common citizen of India?

Is there anything in RBI's monetary policy today for the common citizen of India?

Tue, Oct 04, 2016

Moreover, this is only possible if your home loan is at a "floating" rate and not "fixed". Also, RBI meets every two months to decide on interest rates. Therefore, based on economic conditions, your EMIs may increase or decrease every few months.

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