loan

Hi, I have a home loan of (say 1 cr). Suppose 70L got disbursed and I pre-paid 30L. The current EMI is around 1 lakh. (Since on last disbursement, I asked to keep tenure constant) Hence high EMI for remaining tenure of 4 years. Now for the next disbursement, (Around 7L) I want the EMI to be...

Which bank provides Personal loan for salaried individual easily? The thing is we had salary account in local co-op bank earlier but it's changed to Axis bank recently, so only one salary is credited in axis account, so it's possible to get loan with only 1 salary statement and 3 month salary...

I needed a loan of 6 lakhs, I applied for HDFC, but they are giving upto 4 lakhs. My cibil is 779 and crif is 783. I have already running a loan of IDFC bank where 2.5 lakhs is remaining. Please let me know if any bank official can help. Thank you.

Hi, I'm looking for suggestions for home loan basis the experience of this forum. Which one would you recommend? HDFC, Bajaj Housing, BoB are some option I've in mind. ROI might be similar across - any other pointers this community can share to take a decision Some points I have in mind 1. ROI...

I wanted to share an ongoing issue that might resonate with others facing similar challenges. A loan account that was closed approximately 6 years, 9 months, and 17 days ago is still being reported as active on my CIBIL credit report by a local bank. This outdated and incorrect reporting has...

Hi everyone, My brother has been allotted Maulana Azad National Institute of Technology (MANIT, Bhopal) through JOSAA counselling. We’re now planning for his education loan under PM Vidya Lakshmi Yojana ( this college falls under eligible institute) Total 5Y programme (B Arch)fee will be ~7-8L...

Hi I would like to pre-close my HDFC Jumbo loan. How to pre-close and pay the balance with debit card?

I had taken a pre-approved auto loan from HDFC Bank on 28th June, but till now the loan has not been disbursed. When I followed up with the bank, the manager told me that my loan file was somehow deleted from their system, which is why the process got delayed. Now whats the process to avail...

What is your home loan interrwt rate after rbi rate cut Mine Hdfc 7.45%

1. Cooperative bank tamilnadu gives 0% interest for farmers based on agri gold loan 2. IOB gives kissan gold loan for 45 paise. 3. Indian Bank have floating interest rate for gold loan 4. Any other bank discuss here with low interest rate

Today I got notification from Zavo offering me loan of just Rs 500. I paid thousands of rupees in bill payment at Zavo. What do you guys think about Why I was offered such a huge amount as loan?

Hi all members of technofino, I've some doubts reg home loan if you could help with them please. Primary goal: to understand the expected current prevalent & future ROI on hdfc home loan I've been looking at technofino & reddit threads for the same topic, but even the latest thread I see is...

I’m looking for a plot only loan. Hdfc offers plot loan with 7.9 interest 15years .There is one hidden condition on all banks that if construction not completed within 3years else rate will be revised as commercial rate. But many hdfc sales guys told me that they won’t change the rate after...

Hi folks, I usually pay my PNB loan thru various bill payment apps..but today evening for some reason pnb loan says either 'bill already paid ' or not loading to further..this is an education loan so prepayment charges, I should be able to pay any number of times.. anyone else facing this issue?

I have a personal loan ongoing with aditya birla. Last month i didn't had the money to pay the emi so instead of 5th May(due date) i paid the emi on 18th May, when i was able arrange the money (after 13 days). Later i checked my cibil score it was showing missed payment and overdue amount. Then...

Best debit to pay Home Loan in June 2025

Hello all, does anyone have experience with debt consolidation service? I'm in huge debt and have 7-8 different personal loans and credit card dues, now not able to pay EMIs, Credit score is coming down due to last EMI overdue, is there any bank, company which provides Debt consolidation with...

say applicant does not have stable income and cibil is 750 and Co Applicant has stable income with cibil 800+ Will the bank still issue home loan at 7.9 interest?

I recently refreshed my CIBIL score from Cred app and saw that my score fell 70 points…. Upon checking further, it seems HDFC reported a delayed payment for my Car loan EMI that was infact paid on time…. The ECS mandate was executed as usual from my bank account and no manual payment was...

Require PL of 20 lakhs for 5 years tenure. Opened HSBC salary account last month with first salary credited in the April month, earlier had salary account with HDFC. Loan rates: HSBC (Interest rate: 10.25%, charges 10,000 +gst) HDFC (Interest rate: 10.85%, charges 13,500 +gst) HDFC RM saying...