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| Taxes |
| By Shika on February 23, 2008, 8:55 am |
Dear All,
Do i save on taxes if i take personal loan ?
Do i save on taxes when i take home loan?
thanks
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| By Rimi on March 8, 2008, 12:43 pm |
The rebates associated with a home loan are tax saving are on the interest paid as well as on the principal repaid. The deduction of interest payable on the loan taken to buy the house property is up to a maximum of Rs. 1,50,000 every year under section 24(b) and the principal portion of the loan repaid to the bank will be eligible for deduction under section 80C (along with other contributions and investments) up to a maximum limit of Rs. 1,00,000.
There are No rebates for Personal Loan |
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| By gokuldas on February 23, 2008, 9:50 pm |
I was default in credit card payments ten years before and settled the dues subsequently
i think my name is reflected in sify
now i am a priority customer with axis bank and availed a car loan 7 emi finish. i need a credit card to be use for flight ticket booking in the net . please suggest me where to apply for getting credit card atleast with a minimum lomit of 50000 rs
i am assesse of IT with annual income of rs.3 lacs |
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| Loan |
| By Sundar on February 23, 2008, 6:23 am |
| I want a personal loan of rs.5 lakhs.I was an nri living in dubai and but now planning to settle in india.have bank statements for the last 1 year.i also have a car loan from kotak bank which is paid correctly for the last 9 months. |
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| By Zushi on March 8, 2008, 12:09 pm |
I believe you can approach Kotak bank for the personal Loan as they already have your repayment track record. You can also approach the bank where your have your account for the last 1 year.
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| Personnal loan |
| By Rahul verma on February 21, 2008, 11:13 pm |
| I have few personnal loan runing at present which is less than 6 months, n i have 01 car loan that i have paid 9 emi, out of my 5 personnal loan & 01 car loan i am paying total emi of Rs. 32000/month. my net salary per month is 70000/month. i have few cheque bounce as well in recent month, plz help me which bank can provide me loan of rs. 600000, reason behing taking this loan would be settlement of my credit card of 5 banks, thats a extar interest im paying to credit card every month as i have done full usage of credit limit of cards. Pla advice. |
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| By ranjan on March 3, 2008, 10:31 am |
You are already paying EMIs of Rs. 32,000 towards your personal and car loans. If the outstanding amount on your credit cards is Rs. 6,00,000, then you are also paying a minimum due of Rs. 30,000 on them. With a net salary of Rs. 70,000 per month and an outgo of Rs. 62,000 per month towards debt repayments, I do not expect any bank to offer you a loan easily. My advice would be to leverage some asset you already have which is not lien marked to raise money for you at a relatively lower cost and use that money to settle your card debts.
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| By Kamal Yadav on February 26, 2008, 4:35 pm |
Hi,
You can call me on 9810042425 or can mail me on naveenkumar576@gmail.com
Regards
Kamal Yadav |
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| Refinance existing loans |
| By Srinivas on February 19, 2008, 10:14 am |
We have an existing loan with ICICI bank against our land. If we would like to pay off and take a loan with another bank, how do we go about it? What options do we have? I am an NRI.
Thanks |
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| By mehul on March 13, 2008, 11:15 am |
Not too many banks lend money to purchase land. You will need to check with other banks on their valuation of the land and the rate of interest they charge. You will need to pre-pay the loan with ICICI and move the same to another bank.
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| Home Loan Against Agricultural Land |
| By Jagbir Singh Dahima on February 18, 2008, 10:51 am |
| I am living in Rithala Urban Village which is adjoining Rohini Sector - 5, Delhi. I want to take home loan against my agricultural land, which is situated in Baghpat district of Uttar Pradesh. The covered area is 8 Acres and Government Circle Rate is Rs. 25 lakhs. It may be mentioned that I want contruct my house on my own unapproved plot which is situated in Rithala Urban village, near Rohini Sector- 5, Delhi-110085. My loan requirement is of Rs. 7 lakhs. I am a Central Government Employee and annual income is Rs. 1.79 lakhs plus Rs. 80,000/- income from agriculture.Please tell me a best deal for taking a home loan for construction of my house against agricultural land. My mobile number is 09999514959 and land line tele. number is 27048936. |
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| By kamya on March 3, 2008, 10:38 am |
As this is an unapproved plot, u may face technical difficulties with regard to the construction of your house. As regards your eligibility, you should be able to get a loan of Rs.7 lakhs against your income. Taking this loan against the collateral of agricultural land may not be possible.
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| Personal Loan |
| By Prayag Dutt Joshi on February 14, 2008, 4:54 pm |
| I have loan from many bank and paying emi of Rs.51979/- I can pay Rs.30000/- more emi. Please confirm me how can I get Rs.10 lac more loan because my salary is only Rs.19641/- on salary basis I could not get the loan. |
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| By Kamal Yadav on February 26, 2008, 4:37 pm |
Hi,
You can call me on 9810042425 or can mail me on naveenkumar576@gmail.com to get more information i can help u in this.
Regards
Kamal Yadav |
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| By Pankaj on February 23, 2008, 8:54 am |
| Try taking a loan from barclays . They might be able to give you such loan from the track records of your earlier loans and that too if they are clean. |
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| By Manoj sachdeva on February 22, 2008, 12:12 am |
Dear Mr. Prayag
Ican help you to get more Rs. 10 lacs within your limits please revert with your contact details on my email id i.e. "sachdevamanoj@hotmail.com" .
Regards......................
Manoj Sachdeva
9910678770 |
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| House Loan |
| By sudhir kulkarni on February 14, 2008, 4:01 pm |
| I am a govt employee and taken house loan from Govt. and also taken laon from SBI on the same property. Can I take benifit of both repayments in income tax deduction |
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| By soham on March 3, 2008, 10:40 am |
| Yes u can get benefit, The deduction of interest payable on the loan taken to buy the house property is up to a maximum of Rs. 1,50,000 every year under section 24(b) and the principal portion of the loan repaid to the bank will be eligible for deduction under section 80C (along with other contributions and investments) up to a maximum limit of Rs. 1,00,000. You can get the same against multiple loans also. |
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| Looking for Personal loan |
| By vinoth on February 12, 2008, 1:54 pm |
| M.C.A graduate working for IT company in White field bangalore-Only six months experience totally. take home 16000 per month. can i have a personal loan for 50000. contact 9740979783. Staying in a rental home. Basically from Tamil nadu. |
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| By Jai on March 20, 2008, 2:46 pm |
| Contact me for loan requirements 09739286642 |
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| By Sumit on February 23, 2008, 8:53 am |
| The bank you have your salary account may be able to give you such a credit or if you hold any credi card , try taking a loan from that bank |
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| Personal loan |
| By vinothkumar on February 12, 2008, 1:45 pm |
| Only six months experience totally- salaried-IT company- Bangalore-white field- salary two lakhs twenty thousand per anum. Cani have a Personal loan for 50, 000. Which bank is ready to offer. pls contact 9740979783 |
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| By Jai on March 20, 2008, 2:45 pm |
| Contact me for your loan requirements - 09738286642 |
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| By Full Namep.t. Selvam on March 1, 2008, 4:02 pm |
| I want loan |
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| home loan |
| By avadhanam srinivasarao on February 11, 2008, 5:34 pm |
| 3lakhs loan requriment, salary 6000/- per month how manymonths emi & howmany years this loan,what are the equirment documents give me details |
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| By jasmeet singh on February 14, 2008, 5:26 pm |
| My aunt want a Home loan for Rs 3lacs and she is working in northern railways. plz tel me a best deal for purchasing a home loan.plz do reply as early as possible |
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| homeloan |
| By Jeevan on February 9, 2008, 2:38 pm |
| I want home loan with my brother as co-applicant ? Which bank should gives me loan for brother as co-applicant |
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| By Jyothi on July 16, 2008, 2:28 pm |
Hello Mr Jeevan.
This is Jyothi from Citi Bank,if you are still looking for the home loan plz do contact me at my ID "dj_jyorah93@yahoo.com" or 9972914070. |
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| By vivek on June 11, 2008, 9:59 am |
| i am vivek from hdfc. If you belongs to bangalore and looking for loan. we can provide you that with your brother as co-applicant. please contact me at 9916957704. we will try our best for your dream home. |
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| By Ranajan on February 9, 2008, 5:00 pm |
Most banks would consider blood relatives as eligible co-applicants. The income of the co-applicant is taken into account while calculating the eligibility for the loan. However, the repayment is necessarily from a single account of the applicant.
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| home loan |
| By Manohar on February 9, 2008, 4:33 am |
| My annual income is 2.4L and my wife gets 1.4L. We also have some part time activities which do fetch 10000 /month. What is the amount we can be approved of through home loan? |
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| By Soham on February 9, 2008, 5:04 pm |
| There are different factors on which banks decide an applicants Home Loan eleigibility. But considering only your income, I think you can a get a loan of 20 to 25 lakhs. |
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| purchageing land loan? |
| By sakhar on February 7, 2008, 6:31 pm |
hi,
i want to bye a land. for that i want a loan arround 6lakhs with low intrest rate.can anybody give me any sugession regarding this. i have a takehome of 33000. |
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| By rimi on February 12, 2008, 12:42 pm |
| Banks do not provide loans for buying a land. You can go for personal loan for the same. |
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| LOANS |
| By prasanna on February 7, 2008, 10:32 am |
HELPS THE NEEDY PERSONS TO GET LOANS FROM PVT BANKS WITHOUT CHARGING ANY FEES IN BANGALORE
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| home loan |
| By piyush modi on February 6, 2008, 4:41 pm |
i hav an home loan of 20laksh..
when i took it my apt value was 35 laksh..
now it has become 85 lakhs..
can i refinance & take a bigger loan..
i want to buy anothre property ?? |
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| By Jyothi on July 16, 2008, 2:33 pm |
Hello Piyush
This is Jyothi from citi Bank.
You can enhance your Loan.
For details contact"dj_jyorah93@yahoo.com" or #9972914070 |
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| By parry on March 12, 2008, 3:41 pm |
| Yes, you can avail a bigger loan on the same flat.The fresh amount depends on other factors too. you may contact me for the details if based at delhi. |
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| loan against credit card |
| By raga on February 6, 2008, 2:21 pm |
| I am interested in loan against credit card for the amount of 2 -3 lacs,using hdfcbank credit cars with the available balance of 19 thousand in the billed statement and 25 thousand in the unbilled statement for the current month,I HAVE TAKEN 75000 loan from hdfc and paid one month emi.can i get the loan and what is the lowesr interest rate? |
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| By Kamal Yadav on February 26, 2008, 4:38 pm |
Hi,
You can call me on 9810042425 or can mail me on naveenkumar576@gmail.com to get more information i can help u in this.
Regards
Kamal Yadav |
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| By raman on February 9, 2008, 5:50 pm |
| You can get a loan on the basis of your credit card, ie analysing your expenditure behaviour or an the basis of your salary, on the basis of your income record. I think the rate of interest will be from 16 to 24% |
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| How to know my CIBIL Rating? |
| By A Chatterji on February 6, 2008, 1:00 am |
Hi,
I recently applied for an educational loan,however my Auto(two wheeler)loan account has some bounced cheques.This was due to the fact that my last account on which an EPS to pay auto loan was set is now closed.
The auto loan account is upto date as i make payments manually each month,although each month the account gets Defaulted EPS.
will this affect my Educational loan's sanctioning?
Please advise...
Thanks |
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| By prasanna on February 7, 2008, 10:19 am |
| the bank might have informed credit bureue about the this matter so ask your recovery agent get your EPS cancelled in said bank so that your EPS will not go to the said bank in future & ALSO INFORM credit bureue about this & take steps to remove ur name from defaulters list |
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| home loan |
| By nadar on February 5, 2008, 9:02 am |
| i and my brother jointly taking a house.i want which all banks give loans to brother as joint holder of loan |
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| By ratan on February 6, 2008, 4:34 pm |
| I think you can get a loan by making your brother as a co-applicant of your loan. |
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| buisness loan |
| By trideep kr maitra on February 4, 2008, 3:34 pm |
| I am owning a SSI unit manufacturing PVC wires & cables.It is a ISO9001-2000 company,with ISI marked.At present having orders from different Govt sponsored projects.need working capital against hypothecation. |
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| car loan |
| By indira on February 4, 2008, 10:50 am |
| hi this indu from chennai .. i need a car to purchase with lowest interest. |
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