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| Increasing rate of interest |
| By kumaranna on August 22, 2008, 9:32 am |
I have taken a personal loan of 1 lakh last month. i read in
Papers rate has increased. Would this affect my rates also?
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| By kavita on September 5, 2008, 12:29 pm |
Personal loan emis dont change unless you have applied for a floating personal loan. Your emi- rate will most likely remain same.Most banks offer personal loans at fixed Emis where as in Home loans on flating rates Emi changes.
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| Want credit card |
| By kiran on August 22, 2008, 9:31 am |
I have three credit cards. Can I apply for the fourth card?
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| By mukesh on September 5, 2008, 12:28 pm |
| You can apply for any numbers of credit cards.But it is always advised to spend wisely on cards. |
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| want home loan |
| By Simran on August 22, 2008, 9:30 am |
I am planning to buy a land which is near to some factories. The
area is residential/ Would i get home loan for Such property?
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| By nikita on September 5, 2008, 12:27 pm |
Yes, if the land is for residential use, you can get Hoe loan from most of the banks.
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| Home loan query. |
| By Nimish on August 22, 2008, 9:29 am |
Dear Sir, I live in Mumbai, can I take Home loan in Pune? Would I get tax benefits on that. And where should I apply to get the Home loan?
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| By jiniva on September 5, 2008, 12:29 pm |
You are allowed to take a loan to buy a home in another city, The tax benefits will still apply. They are not dependent on the city of your residence.
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| PERSONAL LOAN |
| By PN RAJAN on August 19, 2008, 3:55 pm |
| WANT A PERSONAL LOAN OF RS.50000. MY TAKE HOME SALARY IS RS.18000/- EMPLOYED IN GOVT OF INDIA |
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| Personal loan requiremnet |
| By Dinesh on August 18, 2008, 5:08 pm |
| I need a personal for 2.5 lakhs my take home is Rs23,000 |
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| land purchase loan |
| By Deepak on August 18, 2008, 4:33 pm |
hi
i am a fresh engineering graduate and just started working with a networking company. my pay is 32k per month and i want to purchase a plot for investment purpose in partnership with some friend.i want to know if there is any bank which can give me loan for above stated purpose. please reply |
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| CONSOLIDATION OF LOAN |
| By KSR on August 7, 2008, 4:44 pm |
| AT DIFFERENT STAGES I AVAILED PERSONAL LOANS FROM HSBC,ICICI,HDFC,CITI BANK. I AM REGULARLY. THE TOTAL AMOUNT TAKEN WAS RS.5.5 LAKHS. MY MONTHLY PAY OUT TOWARDS EMI TO THESE ARE TO THE TUNE OF RS.17000/- THERE IS NO DEFAULT IN REPAYING THESE LOANS AS MOST OF THEM ARE BEING PAID THROUGH ECS. ALMOST 2.5 LAKHS REMAINS TO BE PAID NOW. NOW I WANT TO CONSOLIDATE ALL THESE BY TAKING SINGLE LOAN AND REPAY THE REMAINING PORTION TO ALL OF THEM. IS ANY BANK WILL BE PREPARED TO PAY ME A LOAN TO THE TUNE OF RS.250000/- FOR THE PURPOSE. I CAN REPAY THE LOAN THROUGH ECS AND ALSO CAN ASSURE THAT THERE WILL BE NO DEFAULTS. MY TRAC K RECORD OF REPAYMENT CAN ALSO BE VERIFIED FROM THE BANKS THAT LEND M E MONEY. MY INTENTION IS TO REDUC E MY MONTHLY BURDEN OF PAYOUT A HUGE AMOUNT |
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| Take over personal loan |
| By vijay on August 7, 2008, 10:32 am |
Hi There,
I have two personal loan on high interest rate (21% & 29%). I am searching for who can take over my these loans on lower interest rate. |
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| house loan |
| By sumita garwa on August 5, 2008, 10:11 pm |
| my monthly salaries is 25000.how much house loan can i get |
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| Unable to apply for Credit Card on line. |
| By NIGAR SULTANA on August 3, 2008, 6:46 pm |
Hi,
I am a very old customer of SBI and have an account in the Kurla(west) branch of Mumbai.The pincode is 400070.I wanted to apply for a credit card on line but could not go further from the first page itself.As i am a housewife,I was not able to go ahead of the Employment status option.I do pay my regular taxes and so i have a Pan card. I would like to enquire whether there is an option of applying online for credit cards. |
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| By sunita on August 11, 2008, 6:28 pm |
Some banks do offer cards to housewives based on alternate documents like a 4 wheeler driving license, LIC policies, club memberships etc. You can also approach SBI, where you have your bank account. I am not aware of any bank offering online credit cards to housewives.
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| Credit cards |
| By karthik on August 3, 2008, 5:50 pm |
Hi,
My annual income is 236000. I need to know which credit card best suits for me. |
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| home loan take over |
| By pa. abdul nazar on August 1, 2008, 10:39 pm |
| i am an nri working at doha,qatar. i have a home loan of rs.950000/- and my current emi is rs.10500 /- my bank is not able to provide me a top up of another 1000000/ rs which is urgently required for the renovation,repair,extention etc; my present salary is rs.50000/- and the market value of my said home is now valued @ 65 lacs. kindly advice me with suitable options considering me as an nri. |
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| By vikram on August 11, 2008, 6:26 pm |
You should consider transferring your loan to an alternate bank. They would be able to take over your existing loan and also offer you the top-up that you need.
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| personal loan |
| By Shyamsunder Parouha on July 30, 2008, 11:15 am |
Hi,
I am working with an IT company.My monthly salary is around 23000rs.I have 1.5yrs of experiance.I need personal loan of amount 40000.Can i get this amount.What will be rate of interest and monthly EMI for tenure 4years? |
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| By sameer on August 11, 2008, 6:25 pm |
The rate of interest for personal loans for salaries employees is in the range of 16% to 20%, depending on various parameters like the company you work for and the duration of your service there. The EMI for a Rs. 40,000 loan for 4 years at 18% will be Rs. 1,175.
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| Top up on personal loan. |
| By Pravesh Yadav on July 30, 2008, 1:33 am |
| While offered for personal loan, the representative promised for a reduction in EMI (reducing) after paying first 9 successful instalment. When requested for EMI they said they have closed term reducing or reduction on EMI's after 9 months and replaced it with top up plan. Now when requested for to pup, they said they also stopped top up. I felt like I am being cheated, as I am not getting benefit for which I was eligible at start as promised by agent and Customer Care Executive also at the start of dealing, I don't have these promises documented but always confirmed it by calling at Customer care number. I always pay my all bills (credit cards etc.,) and EMI's on time without any fail or never faced any bouncing of cheque. What to do now in this case, please advise. |
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| By hemant on August 11, 2008, 6:24 pm |
You should continue to service your loan, without any defaults. You can also consider transferring the loan to another bank, but would need to pay pre-closure charges to the current bank.
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| HII |
| By HIMANSHU on July 29, 2008, 11:50 pm |
| I WANT A PERSONAL LOAN OF AMOUNT 5 LAC FOR 5 YEARS M WORKING WITH NTPC LMT. COMPANY A CENTRAL GOVT EMPLOYEE SINCE 25 YEARS WITH A GUD BACKGROUND AND I DON'T HAVE ANY LOAN CURRENTLY RUNNING. I AM EARNING AROUND 28000 PM... |
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| By khusbhoo on August 11, 2008, 6:23 pm |
| Prima-facie you are eligible for the loan of Rs. 5 lacs. The EMI for a 5 year period at 18% will be Rs. 12,697. You apply through consolidation portals like www.deal4loans.com for your loan requirement. |
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| home loan |
| By PREMANANDH on July 29, 2008, 3:04 pm |
| i have taken home loan from citifinance home loans pvt ltd. they charged rate of interest 14.5 %,amount taken rs17lac is it good rate of interst i am a buiseness person |
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| By rajesh verma on August 11, 2008, 11:55 am |
The rate of interest charges by banks and financial institutions is a function of the risk they assign to the borrower and the property. If they have charged you 14.5 % fixed, it is a good deal, but it is 14.5% floating, it appears to be on the higher side.
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| By Deepa on August 4, 2008, 1:41 pm |
| Now in the market the rate of interest is 12.25 - 12.75%, so i think you are paying very higher interest rate. |
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| Home loan |
| By Baban Devkate on July 28, 2008, 9:23 am |
I am an employee of software company and earning Rs.40,000/ per monthI. I want to apply for a home loan of 18,00,000. for 15 yrs. Pleaes guide me correctly about various bank option. what would be ithe interest rates. and EMI details. Thanks.
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| By Deepa on August 4, 2008, 1:46 pm |
| as per your salary you we can fund you upto 20 L if you dont have any other Loans. The interest rates will be 11% - 11.25% based on the profile. |
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| Home loan |
| By Nirmala Raj on July 25, 2008, 11:48 pm |
| I am a self employed and earning 4,00,000 lacs per year, and My son aged 22 is earning Rs.15,000/ per month. We both clubbed to gether and apply for a home loan of 20,00,000. for 15 yrs. Pleaes guide us correctly. what would be ithe interest rates. and EMI details. Thanks. |
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| By jasmine on August 11, 2008, 11:53 am |
The current rate of interest on home loans is in the range of 11 % to 13%, depending on the borrower’s and builder’s profiles. You can approach consolidation portals like www.deal4loans.com for your loan requirement. They are in a position to put you in direct contact with multiple banks who will be able to fulfill your requirement in one go. The EMI for a Rs. 18 lac loan for 15 years at 12% is Rs. 21,603.
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| Home Loan |
| By hazarath k on July 25, 2008, 12:42 pm |
Hi,
My net sal is 27k/m. Now I'm planing to take home loan.Am I eligible for how much loan amount ? Can anybody let me know. |
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| By vidhi on August 11, 2008, 11:52 am |
As you have not mentioned details of any other debts, I am assuming that you do not have any other loans. Your eligibility for a 15 year loan based on a net take home salary of Rs. 27,000 is Rs. 11.60 lacs. The EMI on the same will be Rs. 13551.
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