loan

Took HDFC home loan for 25 years (300 months). So far there has been 3 Disbursement request. 2 in September and 1 in Mid oct. Last month on Oct. I already paid 1 EMIs. It was a normal EMI and not the PEMI. Now, when I look at the HDFC portal. It shows the balance term is 300, original term is...

Hi everyone. I'm planning to take a loan to buy a piece of residential land from a developer. I came to know from the bank people that the interest rate would be lower if I take it as a plot + construction loan wherein there's a tenure from the loan disbursement within which I should've started...

Hi. I have a loan with SBI for an amount of ₹2,50,000 under the Kisan Credit Card scheme. The due date for the loan was on 12/10/2024, which was a second Saturday. I decided to close it on 11/10/2024. but unfortunately, the government declared a public holiday on 10th agternoon. So, the due...

I’m dealing with an ongoing problem with a loan account that was initially with Axio and later managed by Asset Care Financial Services. Despite proving that I didn’t owe them anything, I ended up paying the principal just to settle the matter—but it’s still causing issues. Here’s a breakdown...

I checked my cibil today and an old bajaj finserv consumer loan closed in 2018 is showing active all of a sudden. All my earlier cibil reports have the said loan as closed account. Raise a dispute only has one option of this loan account does not belong to me. Clicking that would be...

I recently received four alerts from CIBIL - 2 regarding a new address and 2 about credit and loan accounts being added. I haven't applied for any of these. What should I do? Does anyone know the steps I should take to get these loan and credit card accounts removed?

Hi, I applied for a Insta Jumbo Loan on my credit card, everything went fine and got loan approval sms and everything, I can see the loan account as active in netbanking app, but the amount has not been disbursed yet, its been more than 30 hours now and I am kinda confused as it was supposed to...

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Hi Team, I have taken SBI home loan 2 years back and while taking loan that bank person insisted to take property insurance but I have denied that as it was not required to me. Now when Final 100% disbursement demand letter came from builder , I have provided required documents to bank person...

Hi Fam! I was going through the forum to assess all Banks/ Banking Programs which consider Home Loan, in some or the other form, in their calculation of TRV. Since I couldn't find any single thread for the same, I thought of collating one here. Based on my research, I could find the following -...

Hello here is Sukhwal Narayan Bherulal, i haven't taken loan from NDXP and still it is showing in my cibil score. I have never taken anykind of loan from this finance institutions. Why this kind of issue are coming now a days. My friend took loan and I was an just referal person,he passed away...

Hi, Starting this thread to maintain the list of Banks who provide Home loan with the option to make payments using online transfer (IMPS, NEFT etc.). This is important while choosing the home loan provider for people considering to make prepayments. List of Banks that allow online transfer...

Hi everyone, need some help. I just checked my ICICI car loan statement and found multiple penalties have been imposed like additional interest and bounce charges! While I always pay either on 1st of every month or before that, still they have deducted ₹944 many times. Along with that, they...

I don't open the hdfc portal frequently but saw today that now you can pay your loan using payment methods like other bank DC, wallets (only payzapp as of now) and UPI. This opens the door to lot of possibilities. You can also customize the amount you want to pay. Update - only Rupay DC...

I have a personal loan in HDFC. Monthly EMI getting deducted from my ICICI saving account. I want to know if i can change the deducting account to other bank. Thanks.

Hi All, I am looking at Home Loan with OD options (or as many call "Home Saver" accounts) and it appears that almost every bank has one variant of it now. I wanted to know whether are there any specific criteria to be considered/ explored while selecting one Home Saver account over another? Or...

Hello Guys, Hope all you are doing good. I need a car loan around 15 Lac for 4 year as I am planning to buy a new car. Can anyone suggest best bank for car loan with lowest interest rates ? My primary requirement is to avoid prepayment/ foreclosure charge. Lowest processing fee and lowest...

HDFC sales are such cunning people. They tried to trick me into signing their HDFC Ergo property insurance document. Good that I caught it up in time. Also, multiple calls and email where they have claimed taking insurance is a part of the home loan process and I must choose 1 plan and give...

Hii, I need education loan of about 40-50lakhs for MBBS in India. I have already payed the 1st year fee.(48.6lakh) Can I get the paid fees in my account? From which bank should I take the loan ? We will preclose the loan in 1-2 years. What things should I keep in mind before taking it. ? Any...

I was not deeply aware of such factors as credit score, inquiries earlier. There was a health emergency in the family, and I had to utilize whatever options I had at the time, leading to many inquiries for credit cards and loans. I made 26 inquiries in May, June, and July. Now, I am gradually...