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I have a joint home loan and even though the emi amount was auto debited as usual it was marked a delayed payment. I have reported on CIBIL. (I'm not sure if this is relevant info so here - when asked for my bank details I wasn't sure which to provide so I gave the details of the account the...

Hi Guys, I need some suggestions. My brother took an add-on credit card under my name but didn’t pay his bill on time, resulting in 27 late payments. Eventually, he settled the outstanding amount through a settlement. Later, I realized I was listed as an authorized user on that card, and now...

My Spouse(F) having home loan with her mother at SBI branch from last 3 years. Initial interest was 6.9% due to various offers like women only, first property and cibil . the interest rate got increased to 9.3. But after latest repo rate reduction , it is still at 9.05. As per some information...

I have availed the Bank of India's smart home loan (SBI Maxgain type OD based loan) at a very good ROI of 8.4% When I log into the account, there is no way to see the details of the loan. I would like to see the split-up of the interest vs principal in the EMI. I am also not able to see any...

Had my HDFC loan sanctioned and ready but seeing the negative reviews I switched to ICICI. But yeah they have their own problems. ICICI needs me to close my 3 credit cards - Regalia gold, tata neu infinity, axis rewards. I don't mind the regalia and axis closure those are shxt cards. But I am...

I have a joint savings account in SBI in Chennai with my mother and we are having individual CIF( Customer identity). I want to transfer my mother home branch alone to a different location. Is it possible

Also loan against property as well.

Hii guys, i am sorry if this is a duplicate thread. My concern is with the guys who have taken Home loan. How does the disbursement really work? bank says immediately after my insurance and loan agreement signature 10% will be disbursed then rest will be as per request. I dont really trust bank...

I want to transfer my home branch from Mumbai to Chennai. I went to chennai branch for transfer and they says that you have to give a letter to home branch only. I do not have any work or plan to go to Mumbai and i cannot go exculsively for that. Tried in netbankng and it is not allowing due to...

So my loan is ready to be disbursed but hdfc drops the bomb now. says i need to select pre emi option only as they dont provide full emi for under construction properties. now selecting pre emi causes me a loss of 6 lakhs. i want to know did anyone get full emi? for under construction if yes...

So guys i have taken a home loan for 10 years monthly emi 74K. since i am building a apartment my. i will also receive monthly rental income. I can easily prepay extra 70-80k (every month) on top of 74k emi every month my question is which option is better to save most interest??? my head hurts...

So, my loan got sanctioned with HDFC disbursement is pending. they are asking me to take a insurance from them. that is a concern but not the main one. my main concern is i have read some threads saying HDFC during contruction even after paying full emi (not selecting pre emi) doesnt reduce...

Which all debit cards can be issued with the savings A/C that gets opened with Baroda Max Advantage Home Loan? In particular, can I apply for Rupay Select DC or the Sapphire DC?

Will my home loan interest be reduced with recent RBI ratecut ? When I emailed my home loan provider Bajaj housing finance, theresponded this and I really don't understand this. Can anyone explain?

I am planning to install two ACsin my home before severe summer heat begins. Location: West Bengal Approximate Temperature During Summer: 40-46 degree Floor: 1st floor ( 3 storey building, Ac will be installed on middle floor) Direct sunlight falls in the side wall of the room For First AC 1...

RBI has cut repo rate by 25 bps. Source:- https://www.moneycontrol.com/news/business/rbi-cuts-repo-rate-by-25-basis-points-announces-new-rbi-governor-sanjay-malhotra-12933114.html Just wanted to know how and when will this affect the current ongoing home loans. How much time it takes to...

Hi, I have some query, I am currently in need of money let say 25L (actually more) for some uncertain reason to clear some debts which I never took, So trying to get through loan with lowest interest, I have ongoing hdfc home loan with 88L at 8.5% from April 2024 in which I have already prepaid...

Hello Team, I came across a Reddit post and a Techfino post about getting a Rupay select card from BOB https://www.technofino.in/community/threads/ama-bank-of-baroda-2024-review-hidden-gem-homeloan-radiance-account-sapphire-rupay-select-debit-card-eterna-cc.27257/ I also have a Loan and...

Are there any savings accounts which are designed specifically for Home Loan Customers? I know of HDFC Speciale Activ (available for use for HDFC Home Loan Customers). Are there any other?

Disclaimer - I have complied information and wrote this . Take your CA words for tax & do your own research for more You can edit if u see anything wrong.. Sorry for grammatical mistakes. Loan calculator for reference:- Let's cut short and here is how u can save directly or indirectly after...