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| By on August 27, 2007, 6:06 pm |
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| How to come out of Debt Trap |
| By Sandip on August 27, 2007, 5:46 pm |
I am a Manager in a MNC.I have got 2 gold credit cards one from SBI & one from ICICI with credit limits of 1 Lacs each.Few months back i received an offer from icici to take 1Lacs cash against my credit card & keep on using the money & repay in 55 days tenures.Somehow due to miscellaneous petty family needs the one lac ruppee exhausted.During my marriage i took a personal loan of 1.5 lacs & on SBI card spent around 80,000.
In present scenario i have an outstanding of 2 Lacs on Credit Cards & Personal Loan of 1.5 Lacs.The issue is that i have got 3 check bounced due to autodebit option & non-availability of funds on the day,which however i have paid the very next month.Now when i contacted the banks for debt -consolidation,the rule is that i shouldn't have any check-bounce history in the last 6 months.Pls suggest how to come out of this trap now? I have already stopped using the cards & everymonth paying almost all my salary to them,still it is not getting reduced significantly.Can i expect a consolidated loan in conditions as described above? Pls help. |
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| By me on February 19, 2008, 8:00 pm |
hi sandip,
i am not sure, how i can help you. i just wanted you to know that you're not alone. i, too, share the same story. just thought that would make you feel better. until i read your post, i did not know there were other people in hte same boat as myself.
hope you come out of your debt trap soon, sandip. |
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| By Sudipta on December 3, 2007, 12:35 pm |
Hi,
For personal loans & buisness loan @ low rate of interest Contact-9903136792 |
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| By niranjan on August 30, 2007, 7:31 pm |
| well sandip i can help u out in this situtation, just provide me ur contacy no. so that i can get in touch with u |
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| By Sanjay on August 27, 2007, 10:36 pm |
As what i think on debt consilidation-
Following steps
1.Own a house-Yes- Take a Loan against it. No
2.Own a car- take a loan against it-No
3.Take a personal loan from any other banks like abn/citi- they might give you on ur salary basis with the mentioned circumstances.
Personal loanis still bette than card due which is 36% as Pl is 20%, and gets you 4-5 yrs to repay.
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| Credit cards |
| By Dr Tejinder Singh on August 27, 2007, 4:46 pm |
I have 7 credit cards with me, all of them free for life. Except for the initial experiences, some 6-7 years ago, I have never had a bad experience with them. Here is what I learnt over the years:
1. Never buy something for which you do not have ready cash available. Use credit cards only to earn reward points, defer payment and get some interest on that money for 30-50 days.
2. Schedule your purchases at the beginning of your billing cycle. This allows you full credit free period.
3. Never carry forward your payments. If for some inevitable reason, you have to then do not use that card for fresh purchases till the bill is settled in full. That is the reason to have more than one card (although I have never carried forward any bill so far).
4. Choice of issuing bank is most important. The factor you must see before selecting a bank is its reputation and quality of customer service. Of all the credit cards that I own, I find Citibank the best. It has prompt customer service, disputed charges are reversed in your favour till the issue is settled and the best part that you can report a lost card even on their site. This is a boon for people who travel abroad and may find it very difficult to make calls to India to report a loss and then have to hear music before an executive is free to attend to them. In addition, there are lots of hassles, all of which get avoided by reporting on site.
5. Although easy to obtain, ICICI card is a real headache and avoid it as much as possible. Customer service is poor as is grievance redressal mechanism. I give full credit to Citibank on this count -- their Chief of Customer care called personally from Chennai to apologise to me for some problem and to settle the issue within a week. It was done much earlier!
6. If you have to spend huge amount on your card (air travel, vacations etc), keep your expenditures on each card below Rs 2 lacs per financial year.
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| By ramesh on October 24, 2007, 10:54 am |
| totally agree. Citi bank card service is the best. |
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| By Sanjay Prasad on September 6, 2007, 10:08 pm |
I totally Agree with Tejinder Singh
citibank card is the best. till date
well looking for a loan for my marrriage.
need Rs. 100000 |
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| By on August 27, 2007, 4:00 pm |
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| personal loan |
| By aniruddha mallick on August 27, 2007, 1:51 pm |
i need personal loan rs.300000.00
My income p.m.30000/= aproxx
mobile.9434012607
9933012607
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| Personal Loan |
| By KKUMARAVEL on August 27, 2007, 10:47 am |
| I am employed in a Public Limited Company as as Executive Director with a Monthly salary of Rs.1,00,000/-. I need a Personal Loan of Rs.15,00,000/- with a repayment in 2 years tenure. Pl. contact thro' my email. |
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| By BHAVIKA BHATKAR on November 14, 2007, 10:57 am |
Hi kkumaravel,
For your personal loan requirement,i can arrange loan for you
please contact me on 66712051 |
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| By BHAVIKA BHATKAR on November 3, 2007, 2:14 pm |
Hi kkumaravel,
For your personal loan requirement please kindly apply at
arthyog_raj2@yahoo.co.in.
please give your correct contact no.
you will surely receive various offers
contact Lekhraj:-9820496077 |
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| By PUNEET KUMAR on October 23, 2007, 5:13 pm |
DEAR SIR,
TELL ME HOW TO PRODURE IN PERSONAL LOAN
MY ACTIVATION CODE IS 7456
PLZ CONTACT ME MY CELL NO. 9915595784
PUNEET
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| By madan on September 18, 2007, 2:24 pm |
sir,
i am working in icici bank. will u intrested i am arrange for the loan.my no (9840724884).thank u. |
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| By goutam bhunia on September 14, 2007, 10:37 am |
Sir , It should be more effective if you call me directly in my mobile 9331899538. & to discuss in details in your home.
Please call me 9331899538 |
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| By niranjan on August 30, 2007, 7:33 pm |
| just provide me ur phone no so that oi can get in touch with you |
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| required personal loan |
| By suresh chand bhardwaj on August 25, 2007, 5:06 pm |
need personal loan amount Rs. 5 lac ITR 2,14,000
I M INSURANCE AGENT WITH LIC OF INDIA LAST TEN YEARS. MY FORM 16A IS 4, 22,000/- I M PAYING 55000 PREMIUM OF LIC POLICIES (SELF) LAST 5 YEARS IN SALARY SAVING SCHEME. IF U HAVE ANY POSITIVE CHANCE TO MAKE LOAN FOR ME CALL ME 9810160069, 9212060069 |
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| land loan |
| By m g ganesan on August 23, 2007, 12:10 pm |
| Hi ! i need a land loan any one intersted pls contact me 9840788077 |
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| Personal Loan |
| By Pradeep on August 22, 2007, 6:46 pm |
I require a personal loan around 3-4lacs. I have an existing loan around 3lac with EMI 7700. My monthly GROSS sal is 44k and on hand around 32-34k.
Pls contact me with good interest rates and offers if you have any. Pls do not call/mail in-case its around 16% coz i have already in touch with such banks.. It would be great if its below that.. and cash back offers etc with no processing fee.
Rgds,
Pradeep |
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| home loan |
| By ARTI YADAV on August 22, 2007, 4:36 pm |
| I need a home loan .Can you five me comparative figures from the different banks in tterma of interest rates , PROCESSING FEES,ADMINSSTRATIVE FEE AND OTHER CHARGES |
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| By pooonam on November 16, 2007, 3:46 pm |
hello mam,
if you are still interested in home lonas then you can contact me on 9371592261.i m working with citi bank home lone |
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| By Ramesh on September 17, 2007, 8:33 pm |
hey someone please fwd me a latest comparitive analysis of different banks for home loans.
Ramesh
9890047935 |
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| By anindya on August 28, 2007, 3:52 pm |
| i want to take homeloan . i'm a salaried people earning rs.140000 aprox.per anum, pls mail me comparative emi structure of various banks & the procedures & also what is the maximum amount i can get from the bank . thanks |
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| By subrat nayak on August 27, 2007, 12:50 pm |
| Compairtive chart of Housuing loan by banks both Fixed and Floating. |
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| Home Loan |
| By srinivas on August 21, 2007, 1:53 pm |
My freind is having a individual house in 30 & 35 site with Ground, Ist and 2nd floors constructed. He wants to sell his house floor wise.
He is having loan on this house on his name. The property is also on his name only.
Three of our friends want to buy. I am interested to by a 2nd Floor house. Can I get loan for this house? Can I buy a 2nd Floor house.
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| By nelson on July 24, 2008, 6:51 pm |
dear sir
you can buy that house and if u need a home loan please contact me my number is 9945465788 |
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| financial assistance |
| By murali on August 20, 2007, 8:15 pm |
i have good small and medium profitable projects with me and requests financial assistance for the same.returns can be worked out mutually.
any one interested to associate can contact on 9901687304
i am based at Bangalore. |
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| personal loan |
| By ashok on August 20, 2007, 8:00 pm |
i would like to avail a loan of rs.800000 to clear off my other personal & other petty loans and after clearing the same i may be able to
pay a monthly amount of rs.12000 with a longer period .
pl help me to come out of this financial problem.
pl mail to my id.. |
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| By priyanka on September 20, 2007, 12:05 pm |
hi
this is priyanka on behalf of HDFC,pls send ur income details n your contact no on my mail id so that i contact u for ur personal loan requirement.
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| By lalita on August 25, 2007, 2:37 pm |
Hi Ashok,
I am lalita and, i work with Financial Firm.
I will try to help you for that you can contact me on 22904280
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| Loan Required |
| By Jose on August 20, 2007, 2:35 pm |
Dear sir,
Iam from Bangalore and I have taken on lease for 25 yrs, a 1 acre plot on the Chennai Highway for starting a restaurant. The plot has high potential as it is also located just opposite a hospital as well as a medical college. I am looking for a loan of Rs.3 Lakhs which will be repayed back in a tenure of 6 months. Kindly do inform me what the interest rates are like. I do not have any thing which can be kept as a sureity but yes i can give youa cheque of my bangalore account as sureity. I can go upto Rs.20000/- on the interest side.
Other than this those who are also interested to invest is also welcome on a profit sharing basis. The restaurant planned is a Multi-Cuisine Restaurant (Bhagini Type) |
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| Wanted Partners/Pramoters |
| By BVHS.GOUD on August 18, 2007, 8:23 pm |
Hello Friends...
This is BVHS.GOUD.Staying at Hyderabad.I was Worked about 10 years in FMCG Industry as From Sales Representative to Area Manager.I Haveing 10 years exp.in FMCG Sales.Recently i was Established An Pvt.Ltd Company At HYD HQRS.Iam planing To Launching Verius Products i.e..Ditergents,Mosquito Coils,Phenoiles,Spices Entier INDIA.Till today i was completed Product desening,TM registretion Office etc...Now iam looking for Funds from upcomeing proffisinals.Please send me details to my Mail or Call me on my mobile......Nine Four Four Zero Three Four Four Nine Seven One...B.H.S.GOUD,KLY CONSUMER CARE PVT. LTD,HYDERABAD. |
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| BUSINESS LOAN |
| By K.SUCHITRA on August 14, 2007, 10:38 pm |
| Sir.....am interested in starting a new business that is production of bricks in a brick chamber....for this business i need to purchase a land of extent about 10-12 acres....and i need to construct a brick chamber and meet other expenses... The total cost to start and run my business would be about Rs.1.25 crores.....I require a loan of about 75% of my total cost....I can provide the documents of my vacant land property situated in Ekkaduthangal ,chennai of extent of 2 grounds as collateral....am also an IT assesee with an annual income of Rs1.25 lakhs......Therefore I would like to know which are the banks that can offer my loan requirement and the corresponding interest rates....... |
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| By Sonam on April 8, 2008, 9:59 am |
| You need to apply for a business loan. You can contact private banks like ICICI, Axis Bank or public sector banks like Bank of Baroda or Canara Bank. |
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| By Anil Dixit on August 17, 2007, 10:20 am |
| Please confirm how much loan i can get for maximum time period for repayment , emi, rate of interest ,i am salaried individual getting a salary of Rs.25000 pm salary |
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| Personal Loan |
| By Jagdish Chander on August 13, 2007, 12:13 pm |
| I want to take personal loan of Rs 100000/-. I am serving in Central Govt and at present posted at Ghaziabad. I belongs to District - Sonepat (Haryana). From where I can get loan ie from Ghaziabad or Sonepat. What will be the interest rate. |
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| By kamal on August 13, 2007, 7:48 pm |
| i want 2 tell u that u can earn more than ur req, if u had a strong will power reply for more .iam from andhra pradesh |
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| Personal loan |
| By Nithya on August 8, 2007, 11:21 am |
| Hi i am just looking for a personal loan of 1 lac rupees.Working in a MNC for a year may i know the interest rate and the proof needed by different bank. |
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| By Rajshekar on August 9, 2007, 10:04 am |
Dear Nitya,
their are various banks offering personal loan and the intrest varies fm 14 to 18 % P.A.
the banks you could get in touch with are HDFC,ICICI,CITIBANK,SBI etc |
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| want home loans - kerala |
| By bobby on August 8, 2007, 9:32 am |
Hi,
I want to know the offerings available for a home loan in Kerala. It will be grateful if someone put on the various interest rates available.
Thanks in advance,
Bobby |
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| HOME LOAN |
| By anupama on August 7, 2007, 2:43 pm |
| I am working in Ltd company from 12 years. My net income 8200 PM .I am looking for around 4 Lacs for constraction of house |
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| By poonam on November 16, 2007, 3:51 pm |
hello sir,
me working with citi bank you are looking for loan for the constructioni will give you all details if you are intersted.so just drop me mail at pooonam.mehta@gmail.com |
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| By Sunil Ram Shinde on August 11, 2007, 2:49 pm |
| I nee 4 lack loan |
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