loan

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...

I’m planning to take a personal loan of around ₹15-20L in about a year and want to ensure I get the lowest possible interest rate. Since I don’t have any previous loans, I’m looking for best practices to improve my eligibility before applying. I’ve heard that taking small loans for shorter...

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...

Hi all, Recently, I visited my federal bank branch to 'renew' my KCC loan, which I have been doing every year for the past few years. This time, there was a new Customer Service Representative to assist me in the process. I explained my requirement to renew the loan and asked her about the...

My concern is regarding self construction loan so someone who has experience with ICICI can help plz? So scenario is I had my last home loan from ICICI bank. Now I closed it 2 years ago and now on same property I am constructing a new building. I have all documents. ICICI has issued a...

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 was constantly getting messages from HDFC bank about a loan default for many months on my phone number I have no relation with HDFC bank nor do I have any loan account with them. My phone number is also with me from last 15 years so cant be an old phone owner linking the same. I complained...

I want to take personal loan of 1 lakh and my salary comes in hdfc account but currently I don't have any pre-approved offer from hdfc. My salary comes in hdfc account but my company don't have tie up with any bank. Should I manually apply for loan online or offline with RM as I have preferred...

I visited honda showroom to buy activa on emi but agent is telling me that on 10k to 15k down payment i can get loan on 10.75% pa and there will be 6k-7k processing fees. Is it legit ,I am thinking that there is a commission of agent in this because 6 to 7% processing fees is illegal

Dear all, Iam planning for take home loan in March, but currently iam very Dipressed after this score Drop. Iam share some timeline for better Understanding- 5/01/25 - take gold loan (secured) and choose full payment after 1 years (basic+interest) not monthly interest pay. ( no ciblil enquiry...

Hi all, Can a Karta give tax free loan and have future income transfer to HUF PAN instead his/her PAN. What % would be safe to move to HUF of total asset? Please reply of you have done it..

Can we take loan for closing CC loan account?

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...

Hi Team, I have recently availed Car loan from sbi and paid some excess amount as well as exact amount that needs to be paid as EMI for this month. My NACH got rejected due to some reason. I want to check if SBI would consider the exact amount paid as EMI for this month or not. I have contacted...

Just received a message saying dear customer a new two wheeler loan idxxxxx was approved. Following which I have received a CIBIl enquiry message. I was never a customer of IDFC first bank nor have ever applied for their products. Better solutions to do?

I wanted to get a Loan against my home but when I'm enquiry with bank most of them almost all came up with a insurance package which need to be bought with the loan and all are insisting it mandatory without which they will not provide loan. I do hold a life insurance with LIC and above that I'm...

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...