loan

I am getting home loan at 8.5% from sbi. lawyer fees 3.5k valuation fees 3.5k Is it still possible to get less than 8.5%? Should I hire lawyer from my side too, if bank is doing verification? Who will prepare the legal documents? When should i pay the advance to the owner after the loan is...

I’m planning to take a mortgage loan of ₹45 lakh for 5 years. I’d like to know which bank or financial institution offers the lowest interest rates and the best terms. As I’m new to this process, I would appreciate guidance on what key parameters to consider when comparing offers from two or...

I am planning to buy a resale flat which is under a loan in a private bank. I requested the seller to close the loan and give me the encumberance certiifcate showing house is on his name. However, he is requesting me take over the loan and i can take loan from public sector bank only . Is it...

Hello Technofino Community, I currently have a home loan with ICICI Bank that was taken for purchasing an empty plot. The current interest rate on this loan is 9.4%, and I am exploring two options: Top-Up Loan: Is it possible to top up my existing home loan with ICICI Bank for additional...

Hi Everyone, I wanted to seek advise from expert members of the forum on advise and what all precautions to take while availing a Personal loan -- 1) I have talked with HDFC (10.85) and Axis (10.85) rate of interest, playing negotiation here. 2) Foreclosure post 12 months any time. 3) HDFC has...

I have a home loan with union bank of India, which due date is on 15 every month ,the money get debited on 15 of every month automatically. I have got a kotak super 811 debit card. I wanted to make payment using it from sbi unipay . As unipay consider every transaction as utility hence I will...

Type minimum interest rates on all kinds of loan with bank name. These rates will be as per 1-1-2025. We will try to update it on 1st week of every quater. Little extra information Woll also be helpful as in margin money and cibil requirement .

Friends, I want to understand how does the 'force-closure' or pre-payment of a personal loan work in real life. Suppose the situation is as follows: 1. I took a personal loan for the amount of 1,00,000 (1 Lakh) for 12 months. 2. The every month EMI of this PL is near about Rs. 9,000. 3. I have...

So I took an education loan for my MCA in 2019 for 2.25L however needed to use only 1.85L as the rest got saved due to Covid (1 year hostel fees) Started paying it back in Oct 2021. Now 1.4L remaining monthly EMI is 3k last month and still there for I think 64 months. Last month a FD of mine...

I applied for home loan of around ~82 Lakh in SBI. I asked employee for credit card with home loan so He said SBI Prime and simplysave can be offered without any fees. Denied for Elite. I am not sure if that is true as SBI doesn't generally do LTF buisness. Could anyone confirm if SBI gives LTF...

Hey TF Community, This is for a friend of mine who has been rotating his credit card for a while right now, he also took a loan from bajaj finance with a intrest rate of 28% pa. So is there any banks which provide lower interest rate as debt consolidation loan or something. Most of the banks...

Hello friends, I have a question. I begin my financial journey in January last year and I’m still learning it all. In April 2023, I purchased health insurance from Care, and to manage the budget I told them that I’d pay the premium on monthly basis. At that time, I’ve had Axis IOCL credit...

https://www.bankbazaar.com/home-loan-interest-rate.html this link compares for the interest rates and processing fees for home loan from each bank. How should one evaluate which bank to go for? what should be the other factors to consider in and clarify before starting the loan.

Hi Everyone, I’m planning to buy a second-hand car with a budget of 3.45 lakhs. I’m looking for a car model from 2014-2016, as I only need it for learning purposes. I need a loan of at least 2.45 lakhs for a duration of 3 years. My CIBIL score is good (760+), and salary is also good, so the...

I am paying home loan of 10 lakh via cash…. How can I prevent income tax notice… Which is the best bank home loan account which is not linked to PAN Card and allows cash deposit.

This is a WikiPost regarding PLCC (Personal Loan on Credit Card) This thread intend to list banks that offers PLCC as pre-approved basis and the interest rate they offer to the credit card holders. Such information will be useful for many credit card enthusiasts. Currently GST (18%) is changed...

We’re buying a new car and need advice: -Loan Amount: ₹7L -Down Payment: ₹1.5L -Offer Details (Kotak): 9.3% p.a. (Fixed), ₹7,500 processing fee, 24-month tenure. Looking for: 1.Tips to negotiate better terms. 2.Suggestions for other bank to apply to (can consider one more- Should I apply...

i have seen some people gets pre approved loan offer from banks without any income proof. i don't know what is the trick but i think members of this community knows that surely. tell me how you tricked banks to provide you pre approved loan and credit card offer ?

so I have around 20 thousand outstanding on my Tata Neu card, I can not pay the full amount, which would be a better option 1) pay 5000 each month, bear interest 2) take a PL of 15000, pay 5000 from my pocket 3) or take a balance transfer on EMI for 15k to other cards

I am sharing screenshots of November and December, in November i didn't had any Credit card but in December i have 3 CC, Cibil was 746 in Nomber but in December it is 733