Loan & Finance Tips on Your Finger Tips

RBL Bank is constantly on the drive to acquire new customers for personal loans and add to its growing base. The bank offers the loan for a variety of purposes such as marriage, education, travel, medical reimbursement, etc. You can apply for RBL Bank Personal loan on the website of the lender or at the nearest branch. The loan would, however, be sweeter if RBL Bank charges less interest rate. The bank charges an interest rate of 11%-23% per annum based on the income earned by an individual and the loan amount applied by him/her. There are pivots based on which you can be successful in getting the rate reduced and bring down the liability. Want to know those pivots? Check out this article that showcases those and other critical information. Factors That You Can Consider to Get RBL Bank Personal Loan Interest Rate Reduced You can read the below factors and use them to negotiate for a lower rate. Strong Income - Earning a handsome amount can very well result in a lower rat...

PNB Housing Finance Limited, the housing finance division of the state-owned lender Punjab National Bank, is becoming a prominent player in the home loan space. It offers home loans for a variety of purposes such as purchase, construction, extension and renovation of housing units. To judge whether PNB Housing Finance Ltd Home Loan would prove useful, you need to analyze its whole offers including the interest rates it charges and the loan amount it can extend. To help you analyze better, the article has come with in-depth information pertaining to the home loan offer of the housing finance company. PNB Housing Finance Interest Rates The first thing that most borrowers look up to is the interest rate at which the loan is charged. Home loan interest rates can differ according to the loan amounts as well as the profession. Loans up to ₹ 75 lakh can be financed to salaried or self-employed professionals at interest rates of 9.10%-11.25% per annum. Businessmen or self-emplo...

As the end of the month closes in, the stack of bills start piling up. You can ignore paying the rest of the bills but shouldn’t ignore paying the credit card bill. Rest of the bills don’t charge you interest or late payment fee for delaying. Ignoring a credit card payment can be quite heavy on pockets. Credit card interest rates can go as high as 30% per annum, which is 2-3% per month. It might seem less while paying monthly but in the long run it’s huge. Normally, new credit card users have difficulty using the credit card . They end up missing payments due to lack of knowledge of when and how to do it. Different banks offer different modes of payments to customers. HDFC Bank has an array of credit cards which caters to all your needs from shopping to dining to travel needs. These cards come with excellent reward system and high credit limits to help you live the high road. All you got ta do is spend wisely and make timely bill payments. For the ease of conv...

This is a question which is boggling new home loan customers. Currently, all house related activities come under the umbrella of Home Loans. But they differ on technicality basis. Home loans are procured for buying an existing house or for constructing a new house in the future or for house under construction or renovation purposes. Whereas, land loans or plot loans, as the name suggests, are desired for the purpose of buying a land for building a house or for investment purposes. Before we explore the differences, let us first have a look at their similarities. Similarities between Home Loans & Plot Loans: 1. Interest Rates: More or less, the interest rates demanded by all the banks on House Loans & Plot loans are the same. This because the plot loan in most cases fall under the category of home loans. 2. Application Procedure: The application process to avail both these loans are similar nature. Even the eligibility criteria and the due di...

Having a home and that too your own gives you so much of liberties and privileges that are not the case in rental accommodation. What it does great is by eliminating the obligation of switching from one place to another which is the norm though while staying in a rented flat. Given that home has so many mental and emotional comfort attached for individuals, banks and housing finance companies (HFCs) join the initiative of providing a home loan . You can get an impressively high loan based on your repayment capacity as well as the cost of the property to be bought by an individual. As the loan comes with an interest rate, it can have a bearing on your budget. If you don’t get a summation of home loan interest rate in advance, you could be in the midst of uncertainty in the future. This could only lead you to commit mistakes which can prove costly in the end. Let’s check out why it is necessary to gauge the effect of rates. Effect of Interest Rates Charted Out The effect o...

Bajaj Finserv has managed to fox its competitors in the intensely competitive financial sphere by introducing innovative products. One such product is an EMI card that sounds and works like a credit card even though it is not that. The card comes with exciting avenues across different categories. No surprise to see the race among individuals to own Bajaj Finserv EMI Card at the earliest. The product deserves the kind of traction it is getting now. So, what has the card in it that makes people its fan? Want to know? Read the post further. What is Bajaj Finserv EMI Card All About? It’s actually a pre-approved loan that can be given up to ₹ 4 lakh. The loan amount can be used to purchase at more than 60,000 partner stores on EMI, abbreviated for Equated Monthly Installment. These stores are located in over 1,300 cities. The loan by which you buy the product can run for 3-24 months. Further, there are no foreclosure charges after paying the first EMI. You can b...

ICICI Bank is a leader in the banking sphere offering a wide range of financial products such as credit cards. The bank encourages customers to go online by earning them rewards, discounts and cashback on their e-spends. At the same time, it helps you chill out in luxurious airport lounges. All these and more would encourage you to shop with ICICI Credit Card. But a delayed payment can add to the unwanted charges of interest and taxes. So, the need of the hour is to make timely payments which will not only help you avoid paying interest and taxes but also assist in maintaining a strong credit history to benefit you in the long run. There are ways by which you can make ICICI Credit Card Bill Payment on time. Tips to Ensure Timely Payment of ICICI Credit Card Bills Here’s a list of tips, which if taken into account, would help ensure timely payment. Spend as Per Your Income - You should purchase with the credit card keeping your income in mind. As there can be some cash s...

Seeking a personal loan that offers a high loan amount? Bajaj Finserv Personal loan is an attractive option that is dominating the market in terms of exciting interest rates and loan amount. Bajaj Finserv is the only Non-Banking Financial Company (NBFC) that  offers a loan amount upto INR 25 lakh. So, now instead of taking a loan for a trip to the Middle East, you can do a Euro trip. Or, throw a lavish wedding instead a small one planned. You can repay this loan over a period ranging from 12 months to 60 months - higher loan amounts with long tenure. Isn’t that great? In the event of prepayment or foreclosure, Bajaj won’t even charge you a penny as foreclosure charges. Further, the documentation procedure is absolutely minimal without any complexities involved. The loans are disbursed instantly (within 24 hours) once the approval is granted. The application process is simple and can be done online. So if you are someone who is very busy to go to a branch, you...

Axis Bank Personal Loan is the bridge to all your dreams. From the long due abroad vacation with the missus to sending your kid to the best B-schools to throwing the best wedding celebration- Axis Bank personal loan is the best fit. Its captivating interest rates is definitely one of the best in the market. It offers and interest rate between 16-24%, which is negotiable based on a CIBIL score above 750 and above. Based on your aspirations, you can avail a loan amount between INR 50,000  to INR 15,00,000. And guess what? The loans gets disbursed easily with minimal documentation procedure involved. You can apply for an Axis Bank Loan online and get instant approvals. That’s not it - if you decide to pay off your loan before tenure, no foreclosure charges will be charged. Axis Bank Personal Loan Eligibility Criteria After hearing out all the benefits, you might be tempted to get a loan in order to get a step closer to your dream. So, here we describe about t...