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There's no better time than now for the prospective home-owners who have been looking to dabble in the real estate market. Regarded as the country's largest lender by assets, State Bank of India (SBI) has announced another steep rate cut following RBI’s fourth consecutive repo rate cut this year. For the uninitiated, the repo rate can be described as the interest rate at which the RBI lends money to commercial banks.   MCLR Cut – August With effect from 10th August 2019, SBI...
Today, getting a dream house is incomplete without getting a home loan. Thus, getting an ideal loan is as important as finding an ideal home for you and your family. In a competitive world, there are not less than 50 home loan lenders who are keen on giving home loans to people looking to buy a home seeking these groups. However, the big question that comes into the picture, whom (lender) should you choose for getting your home loan. After all, taking a home loan is announcing a long-term...
Buying a house is the top priority of every individual in India, but due to the high property rates, it is not possible for everyone to buy a house. It involves a huge sum of money to buy a house. With the rising realty rates, people often turn towards Financial Institutions and Non-Banking Financial Companies (NBFCs) for financial aid to buy a house. When you apply for a Home Loan, you need to plan it well. A loan can only be beneficial if you choose the right combination of the principal...
Purchasing a house is the dream of many people; however, most of the people are not able to live their dream due to the non-availability of the funds. If you are also falling short of money to get your dream house, then apply for a home loan and get instant funds. Although the home loan rate of interest is quite affordable but it is widely dependent upon various factor. Here are some of the major factors which affect your eligibility for the loan; take a look:- Age of the applicant –...
Pune is the second largest city in Maharashtra and is considered as the cultural capital of the state. The city is also known for manufacturing, automobile, government and private sector research institutes as well as educational, management and training institutes which in turn attracts students and professionals from across the country. This has led to the growth in the housing sector which means more demand for housing loans in the city. However, the process to apply for a home loan can be a...
A low rate of interest is the only factor that customers look for when finding a loan. Hence, financial institutions also compete with each other for offering attractive interest rates. You can avail loans under two categories – secured and unsecured. The interest rates of these are considerably different.    Unsecured or collateral-free loans don’t require the customer to pledge an asset with the lender. However, these loans come with considerably higher interest rates....
Buying a home is life’s greatest joy. But realising this dream and making it a reality are not easy. You have to follow certain procedures carefully. These are not difficult but they require your time and attention. A major component of buying a house is getting a good Home Loan. The housing loan process starts with submitting the required Home Loan documents to your lender. You also have to get the necessary checks done and pay the required fees. Once your loan approval comes through,...
Bring home your favorite two wheeler with a loan. Banks and financial institutions across the country offer loans for the purchase of all two wheelers. This makes it easier and convenient for you to buy a new two wheeler without burning a hole in your pocket. You do not need to break the fixed deposit or worry about how you will make the entire payment for the purchase. All you need to do is simply apply for the loan and get a two wheeler loan online approval. All individuals above the age...
When it comes to our biggest life achievements, there is one dream that we all share – having a house of our own. As per the Census 2011, in India, only 69% of urban households own a house. If you fall under that percentage, congratulations to you, and even if you don’t, there’s nothing to worry. With housing finance becoming more affordable at present an introduction of amazing housing schemes by Indian Government such as Pradhan Mantri Awas Yojana (PMAY), you can...
Unemployment is one of the biggest evils that our populous country has been grappling with. While the education system is progressing, there is still a large chunk of the population that is still sitting at home unemployed. As per the statistics reported by  the Periodic Labor Force Survey, the unemployment rate was close to 5.3% in rural India and about 7.8% in urban India in 2017-18.   Herein it is good to know about certain government loan schemes which the unemployed youth...
Emergencies often come unannounced and are usually packed with an urgent need for funds. It could be a crisis, a medical emergency, or other unprecedented situation. What should you do in such a situation? Shall you approach your family and friends or try borrowing from colleagues? Well, not always do the external resources come to your rescue. In maximum cases, a viable option would be to take up a loan from a Bank. Most banks offer loans to customers when they need money, which can be...
Tips to Get a Car Loan When Bankrupt Bankruptcy can be very difficult and in case you're thinking about insolvency, it can be difficult to choose what to do with your auto credit. You may experience issues paying every one of your obligations, yet in the meantime, you need to keep your vehicle. Truth be told, it could be almost difficult to recover fiscally without the use of an auto, which is frequently used for work and to make money, says Andrew Radmin, a liquidation lawyer with Carkhuff...
Borrowing money from a bank is not an easy task. The determination of the amount that is to be borrowed isn’t easy either. It is an essential that an individual plan the loan amount properly before applying for a personal loan. Personal loans are usually unsecured loans which are granted by the bank on the basis of your credit score and other eligibility criteria. Personal loans are different from other loans which are backed by collateral securities. Under personal loans, collateral...
Most financiers that give car loans solely provide mounted rates, however there ar some that may solely provide variable rate car loans and a few that may offer you the choice of mounted or variable. A variable rate car loan provides you no certainty with regard to what your repayments ar about to be throughout your loan term. though they will have higher early payout conditions, this might result to the actual fact that they will amendment your car loan rate of interest at any time throughout...
If you are one of those who is dreaming of buying a home since very long, then this is the best time to make your dream come true. You can book a home as per your needs under Pradhan Mantri Awas Yojana (PMAY). It is a Credit Linked Subsidy Scheme (CLSS) launched by NDA government led by Hon’ble Prime Minister Shri Narendra Modi in June 2015. It aims at providing affordable housing facility to all citizens under mid-size income group by 2022. The applicants will get a subsidy under...
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