Ask Amitoj

Profile :- Masters in Marketing from JBIMS, Amitoj has worked with Citibank for more than 9 years in the areas of Operations, Credit, Sales and Marketing. He has more than 4 years of exposure to Personal Loans and more than 3 years to Credit Cards in the areas of product development, acquisition channel enhancement and credit underwriting.

Amitoj Sethi (Director)Loans by choice not by chance!!
Debt Consolidation Queries

• I m need of personal loan, to provide fund to my sister's education.
• can I transfer my high EMI Loan to other bank?
• I want to control my ever increasing credit card bill
• I want to repay my education loan.
• I want to restructure my currently running debts.
• What are the consequences of making a default for your credit card payment
• I need to preclose my personal Loan. How can I get go abt it?
• My name is in listed in Cibil, due to which I cant apply for education loan. Plz help
• I want to close all my loans.
• After buying a car on loan , can i gift the same to another person in his name.
• I stay in a rented house. Can I apply for Personal loan?
• What is the rate of interest for taking a loan for commercial property?
• Can I apply for Personal Loan without a salary slip?
• I am paying EMIs on time but my amount outstanding is hust the same.
• I want to transfer my citibank personal loan to some other bank at lower roi.
• I want to switch over my loan to any Nationalised/MNC bank
• Need cash for marriage?
• I want to take a fresh loan and with lesser EMI.
• I wish to combine all my loans and card dues in one.
• I want to apply for a new car loan but I have defaulted on my previous car loans.
• I pay Minimum Amount Due on my card, but the amount is not reducing. Plz help
• I have credit card dues and want to convert it into EMI.
• I have credit card dues and want to convert it into EMI.
• I need Personal Loan and my name is in defaulter's list.
• Need help to manage my debts!
• Need Personal loan to clear off my debts.
• Please advice me about the best mode of repayment of Loan.
• how can i plan to to reduce my liability coz apart from Personal Loans I have also taken loans from my friends?
• every month i am short by 6000 rs for my monthly expenses due to my credit card bills!
• I want to clear these loans . How can I come out of the trap?
• I WANT TO CONSOLIDATE MY LOAN TOWARDS MY PROPERTY VALUATION
• I want to consolidate the loans and credit cards.
• I have running with multiple loan with many banks.
• I am currently paying EMIs on 5 personal loans and a car loan apart from regular payments to 3 credit card loans.
• How can reduce my debts and i want to pay single EMI for all my debts.
• I have personal finances with ICICI, Citi Financials and FUTURE MONEY.
• I have huge huge Credit Card bills and 3 Personal Laons running.
• I want to pay off 2 personal laon and have only one Home Loan.
• I want to take a personal loan from a NBFC
• How can I reduce my debt and pay a single loan with less EMI.
• How to make a single EMI for my credit card outstanding and Personal Loan.
• My amount of EMIs are more than my net home take salary. Plz advice.
• Can I take personal loan to make the down payment for my car?
• Pls help on to manage Personal loans with principle outstanding of 25 lakhs
• Need debt consolidation plan for my five loans
• Need one emi for paying my 4 Personal loans?
• How to tackle loans emi which amount to 60% of my income?
• How to get my name out of Cibil list of car loans ?
• How to keep the same Emi on Loans after the rate increase?
• How is income tax rebate calculated on coborrowed loans
• Can we take Personal loan on Lic policy ?
• How to settle loans taken to invest in stock market
• Want home loan at lowest Rate? Please Help
• Need a car loan and also want to settle other loans ?
• How to prepay Homeloan from Canara Bank?
• I am caught in too many loans? Please Help?
• Should I take personalloan to pay my Credit card debts?
• Please help me in reducing my monthly Emi to 7000 from 10000?
• Please reduce my emi of Personal loan?
• Between Personal Loan and Credit card Debt what should I prepay first ?
• Can I get loan without filling Income tax?
• Can I get home Loan without Income tax return?Are there any banks who will give me loan?
• Please Advice on whether to take Fixed rate Home loan or Floating rate?
• My card debts are huge? How to reduce Interest on them?
• My total loan outstanding is 3.5 lakhs? Credit card dues and Personal loans.What to do?
• In a reducing principal home loan, is it profitable to go for higher interest repayment initially?
• Can we get Educational Loan without security?
• I am 5 credit cards and Personal loans and Home loans? How to manage ?
• Loans from Hdfc and Icici ? Need Debt consolidation ?
• I am listed in Cibil? How can I take my name off?
• I have 5 loans from Citifinancial, fullerton etc ?Please help to manage?
• With salary of 25000,how to manage card debts, Home loan and Personal loan ?
• Have Personal loans of 6 lakhs andcar loan of 10 lakhs and Credit card dues? With my bonus coming soon what should I pay first?
• Thanks for Solving my loans and Debt problemand reducing my Emi?
• I am running in debt, I want to clear off my debts, what would be the best thing which i can do now and secure my future, ps advice
• I caught in debt trap how to overcome
• Wanna reduce my interest by paying Crad dues and loans? Please advice ?
• With net salary is Rs. 20,000 per month, while your outflow towards these loans is Rs. 8246, should I prepay?
• Need debt consilidation for loans from Cholamandalam,Icici ?
• Caught in Debt trap because of sisters marriage ? Please help?
• 80% of salary goes in paying Emi for Home loans and Personal loans? Please advice ?
• I have 5 Personal Loans going on from 5 different banks, I want to consolidate all the plans
• I am trying to move from Credit card loans to Personal loans? Is that the right step?
• To pay credit card dues I have taken personal loan at 15%, is it right? Any more ways I can reduce my interest?
• What is the solution of my running loan debt ? Plz guide me.
• Need advice on debt consolidation and urgently. Time is running out. Situation critical. From KOLKATTA
• I would like to clear off two loans and want to have only one EMI. For this I need a personal loan which can clear off both the loans
• I m having 2 credit cards. HDFC & ICICI.Total outstand on HDFC as on date about 50000/- and on ICICI about 16000/-. I want to settlal all my dues. Pl. suggest.
• Need to prepay a loan taken from friend?Please help?
• Hi, Im losing sleep over loans my 3 loans, and multiple credit cards.I go crazy each month managing payments
• Debt of 23 lakhs,Please help?
• please advise me to choose in between a pre-emi option and an emi option as the builder proposes stage wise payment of 5 lakh each in 6 installments for 30 months for a total loan amount of 30 lakh
• if i pay the lump-sum amount without seeking the loan then can i be able to seek tax exempt???..If so how much???
• Not getting loan because of wrong pan card issued by government? Please help?
• Need 70000 cash urgently?
• I have 2 personal loans one with an emi of 2886 and another with 2459. would like to consolidate both.Both the loans are from different banks and over a year old.
• Please advice on loan taken by grandfather on property? What to do ?
• Need to borrow 2 crs , my property is worth 4 cr,pls advice?
• My bank Hdfc is asking me to pay 6% prepayment charges on car loan? Is the charges ok?
• Can I take up a top upon car loan?
• a victim of heavy credit card bills and your EMIs on personal loan, how to recover?
• What is the right tenure for home loan ? Is 20 yrs a good tenure?
• My name is defaulter list for card I have never used after 2004? Please help?
• Howe much Home loan I can get if my income is 5 lacs?
• Can I get 3 lakhs of loan without income proof?
• Help me in consolidation and payoff to a single loan.
• Is there any way out of consolidating loans with income of 33000 as where I mapying emi equal to it?
• i wanted to know about the tax saving plans from ULIP in which i can invest 20,000 n get good returns also
• Want loan from other than Citifinancial?Please help?
• Please help me in reducing emi for farming loan ?
• I have loans from Dena bank, Hdfc,Kotak bank etc? Please help?
• I have been paying emi of loans in cash ?Have no proof on them? Can I get more loans?
• If me and my wife apply for ajoint home loan , would we get tax emeption?
• Can I get back payments for tax deduction at source?
• I have about five personal loans.... three credit card bills.. one investment emi... plus expenses incurred in my house... my total monthly salary comes about 20000 and my expenses are above 25000 every month.... i would like to consolidate all my persona
• How to prepay Sbi credit card dues and loans?
• Which bank gives best Personalloan in terms of rate and process? Please advice?
• Need loan of 7 lakhs?
• I would like to have an advise from experts to come out of paying mutiple emis by consolidating all loans and credit card payments and go for a single loan and single emi less than Rs.7000/-
• I have Personal Loan & Credit card bills to pay at time it becomes difficult to adjust.Need your help & advice to overcome this issue
• I make payments for my personal Loan & card on time, still I am charged late payment and default charges.
• I want to reduce my EMI by extending the tenure.
• I want to close my existing loan and go for new one with lesser EMI. Plz help.
• my credit card dues very high and I have a running loan also.
• I want to club my credit card dues and personal loan into one. Plz Suggest.
• I want to close all my credit cards and want to consolidate my PL emi with other credit cards emi.
• I am currently running small loans which are taken on my name & relatives name.
• My salary amount is 50% of the payments that I have to make. How can this be resolved?
• I have 2 personal loan running and 2 credit card due on me, altogether debt on me is of 3lac.
• I have loans running from different banks. I want to close these as soon as possible.
• I need cash for my daughters wedding.
• Plz guide me as to how to over come the debt trap of credit cards.
• My salary is less than my EMIs. What is the solution other than saving coz I have no money to save or spend?
• I have one Housing loans, 2 Personal loans, 3 credit card loans. I am now realizing that I am in a tight position.
• I am not in a position to pay of my debts. Suggest me a way out, can I get my card with increased amount and clear the earlier balance.
• I am paying EMI's for my 4 Personal Loans and I also have Credit Card Dues.
• Every month I am finding some loan source to pay off the previous loans. What Can I do?
• I would like to know more about managing my salary. It just seems to be vanishing after 15th of every month.
• I wish to know the way to come out of my Debt Trap?
• Should I take another personal loan and pay off the Credit Card outstanding?
• I am paying 5,837.00 per month as EMI against 3 loans (2 personal and 1 bike loan) besides 30,000.00 is due on my credit card.
• Please advise me the way to reduce the high interest that I am paying on credit card debt. My annual income is Rs. 4,30,000, and my approximate monthly take home salary is Rs. 25,000.
• II want to purchase a flat what is my eligibility; my wife is also earning 144000/- per annum
• plz suggest me that how much worth of flat should I look for??
• suggest me how to come out of these loans by paying less EMI.
• Is it beneficial to request the new loan provider to take up the old loan as the duration of the loan is only 7 years and we are paying Rs.12000 as emi for a 5 lakh loan amount. Please advise.
• I have multiple loans running, the combined EMI of which is around 20000
• how to reduce my debt and pay a single loan with less interest rate.
• I am having multiple personal loans and sinking in debt trap. Need to have a single loan with EMI of Rs.10000/- pm
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