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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...
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...
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,...
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...
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...
There are plenty of new business owners who might find themselves falling into a debt trap quite easily. A lot of entrepreneurs get forced into taking debts just about the time when they are trying to start their business up. The reason for taking this loan is mainly for covering the initial investments and expenses in setting their company up. But in their hast to get the loan, a lot of people end up taking incorrect decisions and take loans which have high-interest rates, and as a result of...
Banks gives us the leverage to use their various financial instruments in order to fund our various events in life which need heavy financial backing. These loans are sometimes given against a certain security or are sometimes unsecured loans. One such type of secured type of loans is Loan Against Property. Usually, before sanctioning this loan in which a certain property of yours is kept as a collateral, the bank scrutinizes each and every aspect to fulfil its criteria before sanctioning this...
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...
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...
Are you in a fix between a personal loan vs gold loan? Then, you are not alone. Many people who are in a quick need of money may be confused between a personal loan vs gold loan. Thus, if you urgently need some money and in a fix when it comes to choosing a mode to help you, then here is a quick post that can help you. Read on! Gold loan and a personal loan online facility are two leading and suitable financing solutions when you need money super quick. However, you should go through both of...
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...
If you are looking to buy something expensive and are in a dilemma about going ahead with a personal loan or a credit card, well, both have their pros and cons. A personal loan might be the right choice in some case and the credit card in others. It totally depends on the amount you need and the duration you need to pay it back. What is a Credit Card? A credit card is a finance option which lets you borrow a certain amount from the bank and pay it afterwards. It generally has a high-interest...
Before you avail a Personal Loan, you must shop around, compare, and choose the best offer. For, Personal Loans are unsecured loans with a comparatively higher rate of interest than a Secured Loan. There is an intrinsic need to make a note of bank guidelines and choose the right lender that exactly fits your needs. There indeed are a whole lot of parameters you must be aware of before initiating the loan application.  Let’s have a quick overview on the top banks for Personal Loans...
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