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FDs are a type of investment that inculcate the habit of saving among the depositors. FD interest rate  offered varies from one bank to another and also depends on the tenure selected. Financial institutions provide monthly interest on FDs. Moreover, certain financial tools can help investors choose the best scheme to provide the highest profit. How to convert annual interest rate to monthly interest rate? Follow the given steps to convert annual FD interest rate into monthly interest...
  According to studies, women have a number of innate qualities like patience, discipline, and alertness, which allow them to succeed as investors. This Women’s Day, as you chalk out your investment plan, keep the 2019 theme ‘Think equal, build smart, innovate for change’ in mind. You can address retirement savings, tackle regular expenses, and grow your wealth with ease by relying on FDs. Read on to know why FDs make for a compelling investment option. Grow your...
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...
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...
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...
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...
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...
There is a vast increase in the number of consumers who are availing personal loans for their purchases. They come extremely handy for emergency needs and also help in recovering from a financial crisis. For purchases that are not covered by different loans, people can use personal loans for covering expenditures that are related to weddings, home renovations, car repair, or even a big vacation. Personal loans are a kind of unsecured loans, which means they do not require any type of security...
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....
  As is frequently the case with other types of investment channels, returns earned via a fixed deposit are taxable. Fixed deposits are subject to tax deductions at source and, depending on your income bracket, you pay tax as per your slab. Knowing these details is key to forecasting what this investment’s net returns are. Here’s all you need to know about paying tax on an FD. Interest earned is taxed as per your tax slab The interest you earn from your fixed deposit is...
We all have a different way of living life and thus do not wish that anyone should interfere in our personal lives. God has made all of us unique and has gifted this beautiful gift of life and thus we all wish to enjoy it and live it in the best way possible. Now since we all are unique our thought process and philosophy of life is also different and comparing anyone with anyone else is the biggest mistake that one may ever do.Free dating sites   We being human beings always wish to be...
Every person wants to buy a favorite vehicle of his choice. Buying a vehicle needs a lot many things, be it financial requirements, space for parking, and the actual desire. There are many people who prefer not buying it; they rather prefer using cabs and public transport, as they feel that it will be difficult for guaranteed motorcycle financeand it will bring more hassles of maintenance and parking. The ones who want to buy need to fulfil certain requisites like arranging the finance and a...
Nowadays, many people wish to secure loans from financial institutions (bank) in order to invest in one start-ups or another or buy a large real estate by paying the total financial value bit by bit over a long period of time until the total value is completed. To secure a loan therefore, the financial institution (bank) shall require the borrower to ensure the bank (lender) that he/she (the borrower) can pay back the acquired loan. Here is where mortgage comes to play. Mortgage is a collateral...
The different infrastructures that increase the value of land to make it a real estate are wells, dams, ponds, machinery, roads, mines and ponds. There is usually a lien attached to the property that is mortgaged. The loan is secured on the property of the borrower and in case of no refund of the loan; there is a legal mechanism that will allow the lender to own the property or to sell it. In a mortgage we have two people involved; the mortgage borrower who can be an individual who is...
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