Loan & Finance Tips on Your Finger Tips

If you have been planning to get a credit card, you should also plan to check your CIBIL score. You might not be aware of the fact that if you have a good credit score, you will be eligible for best credit cards. Yes, credit score shows that you have been a good debtor which makes lender trust your profile. Credit cards such as Amex are only available to those who have an annual income of Rs. 6 lakhs. Similarly, top credit cards are only available to those who have a CIBIL score of 800 or above. However, those who have a score below that and even those who have a zero score can also get a credit card but best ones are out of their league. So, if you want to get one of the best credit cards , you have to have good credit score. If you have never checked your CIBIL score, you should do it. How can you check CIBIL score? You can pursue the underneath ventures so as to check your score on the web: Go to check CIBIL score check site Give your full...

While looking for options where you can apply for a personal loan, you tend to start with your existing bank. If you are not an existing customer of Yes Bank, you might not have checked the interest rate it offers on a personal loan. Yes Bank is among the most popular banks in India where you can get all types of loans such as personal loan, car loan, home loan , loan against property, business loan, etc. Personal loans are the most common and frequently taken loans as it is usually unsecured and available instantly. Yes Bank personal loan interest rates are also very low which give you another reason to think of this option in case of financial need. You can take this loan for any legitimate purpose such as wedding, education, medical expenses, travel, debt clearance, etc. Yes Bank personal loan comes with the combination of low interest rates and easy documentation. In this article, you will get to know the interest rate, documentation and EMI for Yes Bank ...

For a personal loan, you need to have a stable source of income. This helps banks trust your repayment capacity. ICICI Bank is among the most preferred banks for a personal loan . The customer service of the bank is unbeatable and widely appreciated. If you want to avail this loan, you need to match the eligibility criteria, documents checklist and minimum CIBIL score. The eligibility for ICICI personal loan Below is the eligibility criteria for a personal loan at ICICI Bank. For Salaried: The age of the applicant should be between 23-58 years The applicant’s minimum net monthly income should  be ₹17,500/- The minimum work experience required for this loan is 2 years with 1 year of experience at the current organization For Self-employed: The age of the applicant should be between 28-65 years The applicant’s minimum net annual income should  be more than ₹15 lakhs The minimum work experience required for this ...

When it comes to availing a personal loan for self-employed, it would not be wrong to say that many people always get confused about the same. Yes, usually people think that self-employed individuals cannot avail a loan and that too without the income proof. So, if you are someone who wants to know more about personal loans for self-employed with no proof of income , all you need to do is just read the article below: Now you must be wondering how the self-employed individuals can get a loan even without an income proof? Well, be ready to know how it is possible. Moreover, if a self-employed individual doesn’t have an income proof, nothing to worry because in such a case, a secured personal loan is an option. Yes, in that case, lenders usually offer secured loans to the applicants by mortgaging their property documents. In order to get this loan, an applicant needs to submit his/her property documents to the lenders in order to get the required funds instantly. ...

This card gives multiple opportunities to get money back rewards. Your reward points can redeem for exciting gifts, and attractive offers also can get cashback offers on online transactions which is what makes it stand out from the rest of the credit cards . Apart from offering a fuel surcharge waiver, the card is also highly safe and secure for utilization. HDFC money back credit card enabled with unique chip technology so that it can save from misuse of the card. Features and benefits of HDFC money back credit card Money back rewards For every purchase of Rs 150, you avail two reward points. With your gathered reward points, you can easily redeem them as cash back against the outstanding amount on your HDFC money back credit card . You can get 100 reward points with worth Rs 30. And all exclusive gifts catalog of HDFC, avail reward points for exciting gifts, air miles, and attractive offers. Online Spends On your online expenditure by mak...

DHFL is a prominent housing finance company offering loans to help you buy a house for yourself, wherein you can chill out with your dear ones. Its loans are customized enough to relieve you from the hassles of your supposedly rented accommodation. However, as the loan spans for a period of up to 30 years, you must be careful and choose DHFL Home Loan after checking the impact of its interest rates on your overall budget. The article will deliberate on the rates before telling the effect of the same. Let’s get started. DHFL Home Loan Interest Rate 2018 DHFL Home Loan Interest Rates range from 9.10%-10.55% per annum, benchmarked to retail prime lending rate (RPLR), which currently stands at 19.07%. The rates are applied on the basis of the loan amount, income, repayment potential, credit score, etc. So, if you are earning more, the repayment potential is likely to be more and vice-versa. The repayment ability would get further re-assessed in the wake of any runni...

Bajaj Finserv is one of the leading lenders providing personal loans to fulfill different wishes, such as education, marriage, medical emergency, etc. The Pune-headquartered private lender disburses maximum personal loans to widen its reach among the masses. But to know whether the loan is a fit to your case or not would depend pretty much on the interest rates charged on the same. So, without wasting any time further, let’s get started to introspect Bajaj Finserv Personal Loan Interest Rates from different perspectives. A Take on Bajaj Finserv Personal Loan Interest Rates Bajaj Finserv offers personal loans at interest rates from 12.99% per annum onward. Now, the setting of actual interest rates would depend on the earnings, credit score , job stability, company status, etc. A greater income can make it easy for you to grab lower interest rates compared to when the income is on the shorter side. The repayment potential is expected to be on the higher side with...

RBL Bank is one of the premier private banks engaged in offering a wide range of personal loans to meet varied requirements of marriage, education, medical emergency, etc. However, these loans come at a rate of interest which goes on to determine the quantum of EMIs applicable. The EMIs constitute interest, which only gets on the higher side with a greater rate. However, by employing a few tricks, you can get the RBL Bank Personal Loan Interest Rates reduced to comfort your wallet. Want to know such tricks? Well, that’s what the article is for. Keep reading to know the same. Convince RBL Bank for Lower Interest Rates As you would know, RBL Bank disburses personal loans to salaried and self-employed at varied interest rates dictated largely by the loan amount as well as the credit score. Salaried can get personal loans of below ₹ 5 lakhs at 16.50%-25% per annum. On the other hand, loans of ₹ 5 lakhs and above can be given at 15.50%-18%. Self-employed gets to ser...

How many of you have given a thought to check your bank’s PAN number? Not many, right? The need to check your bank’s PAN has arised after it became mandatory to file tax. Yes, a home loan borrower who wants to avail tax exemption has to submit the lender’s PAN number. Until now only individuals had to provide their Permanent Account Number (PAN) while filing tax. But, now to get tax exemption a home loan it is required. If you are a home loan borrower and have been planning to file tax before the date ends, you need to keep your Indian bank PAN number ready. Otherwise, you will not be able to get tax exemption. Those who do not have an existing home loan might not be worried but there is most probably a chance that you will take a home loan. So, just for information you can keep it ready. SBI PAN Number State Bank of India (SBI) is the largest financial institution in India. If you plan to take a home loan from this lender or already have a lo...