Loan & Finance Tips on Your Finger Tips

The payment is harder to manage for a borrower whose income is low and EMI is high. But HDFC Bank has a solution for this and which is the HDFC personal loan EMI calculator . The online tool helps the borrower to get an approximate idea of the EMI with which they can choose tenure accordingly. Read on to know the use of the EMI calculator and its benefits. Functioning of HDFC personal loan EMI calculator! HDFC online tool works in a mathematical formula of [P x R x (1+R)^N]/[(1+R)^N-1], here P denotes your principal loan amount, N is period of payment and R is interest rate. The tool takes your loan details and computes your EMI with the formula. To use HDFC personal loan EMI calculator visit the bank website by giving your loan details. See below example to understand the calculator working better.  Suppose, you have borrowed INR 7 lakh from HDFC Bank for 4 years duration. And the renovation costs come under the HDFC Bank home loan interest rates are 15.99%. So instead of ...

ICICI Bank offers a wide range of home loan schemes for customers. And from them Step Up home loan is one such ICICI home loan that brings you a higher loan amount. Aren’t you happy with your loan eligibility and need to buy a 20% higher amount? Then apply for a Step Up ICICI bank home loan , read and now about the features of the home loan and its benefit on your payment.  An affordable interest rate fixed to your borrowed amount! On ICICI Bank home loan the interest rate is charged to your borrowed amount based on the repo rate that is 5.15%. The effective home loan interest rate for the salaried borrowers range from 8.25% to 9.25% per annum. ICICI home loan interest rates are floating and changes with the bank repo linked lending rate. So, you can take the help of online EMI calculators for choosing a suitable tenure for it. And on the Step Up home loan ICICI bank charges the EMI lower at the beginning of the loan tenure. It is because the user can afford the high loan ...

You can select the desired credit card from the range of SBI credit cards. And using the Yono app credit card apply online process becomes easier for you. The customer can use the Yono app and get the exciting discount vouchers. Read this article and know about the Yono app benefits on your credit card. Yono App for SBI credit card users! The app is for the customer use only for their credit card payment, application, renewal payment, etc. you can download the app on your smartphone. Just login to your account by entering your customer Id and password. After that choose a credit card and apply for it by filling an application form. Mention your details and upload a few documents using the Yono app. Once all the documents are submitted, you can wait for the card approval and track the status of the cad afterward getting the reference number. You can get your credit card delivered at your office or home address. And can pay the joining charge via the Yono app using your SBI savi...

To improve your low credit score you need to make some changes in your payment structure and borrowing loans. Because the primary reason for a low credit score is nonpayment and penalty charges. But before all this, you need to check your credit score. And to do so, you can take help from Transunion CIBIL, the reputed online credit bureau. Read the given article and know how CIBIL score check helps you improve the score. Get online credit score with CIBIL score check! You don’t need to go anywhere for your credit score as the CIBIL offers you a free online CIBIL check service with whom you can generate your score. Just create a CIBIL account to get your score. Visit the Transunion CIBIL website and follow the 3 easy steps for CIBIL account. Enter your name, mobile number, email and PAN number Confirm the details by entering the OTP that is sent to your number Set a password and create a username Make login to your account and get the benefit of the free CIBIL score check...

For every housing finance issue, Dena Bank gives you the right solution via its loans. And to get your problems solved, you need to apply for a home loan from Dena Bank. Using the loan, you can buy a house, renovate your property and make an extension to your property. A maximum INR 5 crore finance amount Dena Bank offers to the customers for their housing finance. Read this article and know about the features of Dena Bank home loan . BOB advantage on Dena Bank home loans! After the merger of Dena Bank with Bank Of Baroda the customers get the advantage of a high loan amount and an attractive rate of interest. The PSB merger helps the borrower in getting a floating interest rate to their borrowed amount. It helps them have a flexible interest rate that changes with the repo rate of the bank that is 8.00%. The interest rate on Dena Bank home loan charges based on the risk percentage that is dependent on your credit history and score.  For example, if your credit score is 70...

You can get benefits on your loan payment with tax deductions on your Bank of Maharashtra home loan. The borrower can claim their tax benefit on loan payment under the income tax act of 80C and 24b. With the recent announcement in budget 2020, it becomes your choice to whether you can claim the tax or not. Read the article and know about the Bank of Maharashtra home loan interest rate and its payment process. How is the home loan interest rate charged on my borrowed amount? Bank of Maharashtra charges the interest rate to your loan amount using the Marginal Cost of Fund based lending rate. The MCLR of the bank is 8.25% for 2 years and can be high or low based on your eligibility. Bank of Maharashtra home loan interest rates are floating and charged to your borrowed amount on daily reducing balance. You can check the changes in your EMI using the home loan calculator when the MCLR of the bank decreases or increases. The interest rate plays an important role in your home loan an...

Getting a personal loan is not the only consideration, you also need to see the interest rate at which it is coming to you. The rate dictates the kind of repayment you’ll have over the loan tenure. But relax as Axis Bank has made it easy for the customers, it will help you get the loan at an attractive rate of interest. You can borrow up to INR 15 lakh from Axis Bank to meet your financial needs with the loan. Read the given article to know about Axis Bank personal loan interest rate and its benefits on your loan. Can I get a low interest rate on Axis Bank personal loan when my income is INR 15,000! Yes, you can get a desirable Axis Bank personal loan interest rate if your net monthly income is INR 15,000. Axis Bank provides loans to those customers who have a minimum income of INR 15,000 a month. By giving your income proofs and other documents, you can confirm the source of your income to the bank. And there are better chances of getting a negotiable rate of interest if your s...

Yes, you could earn better returns with HDFC systematic investment plan. It allows the investor to invest the amount in a planned manner based on market fluctuation. As your returns are dependent on the market rates. You can invest via HDFC Mutual fund SIP online using the AMC service. One of the benefits of SIP is that, with the help of it you can earn great knowledge of investment. Read the given article to the SIP benefits. What HDFC Mutual fund SIP do? In this investment method, you need to invest the amount in weekly, monthly, quarterly or yearly. You get the freedom of choosing the date of investment for yourself in this HDFC Mutual fund service. For the investment, you need to invest in a particular type of scheme, and HDFC Mutual fund offers you different types of schemes. You can choose the scheme from AMC according to your investment goal. For instance, whether you plan for a business or need regular growth of funds for future security. You need to buy the scheme fu...

Yes, Fullerton India Home Finance with Grihashakti provides an affordable interest rate to the borrower. This makes repayment go easy on to the pocket of individuals. The Fullerton India Home Loan offers you a maximum duration up to 30 years for the loan payment. Read this article to know how the Fullerton India home loan rate of interest helps in making your house purchase better. Buy a new home with Fullerton India Home Loan Rate of Interest! Fullerton India makes your purchase a lot better with its affordable rate of interest. The interest rate starts from 9.99% per annum. If you have selected a property and made its downpayment and are unable to collect funds for the purchase right now, then with a Fullerton India home loan you can do so. With Fullerton India housing finance you can build a better way to buy the house in your desired location. The NBFC provides up to INR 5 crore to the customer by charging a Fullerton India home loan rate of interest to it. Use the Grihash...

To experience the privileges and rewards at any corner of the world use the American Express Platinum Travel credit card. With the help of this card, you can give your spending a new route. Traveling becomes a lot more easier and comfortable for every user with this American Express credit card. You need to pay a one-time joining fee of INR 3,500 for the card. Read the given article to know American Express Platinum Travel Card Benefits and exclusive features for the cardholder. List of rewards on the American Express Travel credit card! The user can earn 1 milestone point on every INR 50 transaction made from the card. With this American Express Platinum Travel Card Benefits, you can get discount vouchers on your flight and hotel bookings. As many milestone points you collect the privileges also increase along with them. But make sure that, you can’t earn points on fuel, insurance, utility or cash transactions made from the card. Also, if you convert a purchase into EMI, in tha...

You can get personal loans from Axis bank despite any need for money. The bank doesn’t ask you the purpose and gives the desired amount at an attractive rate of interest. By just a small paperwork, you can get the loan instantly in your account. But after that, you need to pay the loan and charge interest on equated monthly loan installments. Read the given article and know how an Axis Bank personal loan calculator helps you with the payment.  Tool for every user! Axis Bank provides access to the personal loan EMI calculator for every customer whether they have a relation with the bank or not. You can use the tool by using your smartphones or desktop. Just visit the Axis bank website, and select the “personal loan” when you are directed to the page on the upper section of it, you can see the EMI calculator.  Before applying for the loan, you can use Axis Bank personal loan calculator by entering your desired amount, interest rate and change the duration to see the EM...

You can invest in the mutual fund schemes of Baroda Pioneer Mutual Fund. Because their mutual fund schemes give a good amount of returns to its investors, and you can be one of them also. To start a mutual fund investment with the AMC, you need to keep some important facts with you such as Baroda Pioneer Mutual Fund NAV . Read the given article, and know how you can earn returns. Is the Baroda Pioneer Mutual Fund NAV contributing to my returns? Yes, the NAV of a scheme is the per-unit value of the fund that you have purchased via investment. And the NAV changes with the market fluctuation. If your scheme is equity or debt oriented, no matter the scheme changes if the asset allocated in the industry or security goes high or low. You get a lesser risk in a debt-oriented scheme that is why it is considered of low risk. Baroda Pioneer Mutual Fund NAV changes on a daily basis with the market. So your work is just getting a suitable scheme for yourself keeping your investment goal a...

HDFC Bank has a set criteria for the borrowers on loans. And it is important to meet the loan eligibility criteria for a good rate of interest and instant approval. Especially, if you want a personal loan. HDFC Bank charges an interest rate from 10.75% to 22.00%. You must want the interest rate in the range of 10.75% and to do so you have to meet HDFC Bank personal loan eligibility criteria. Read this article and know about the eligibility of HDFC personal loan. Does age come under HDFC Bank personal loan eligibility criteria? Yes, the age of the borrower matters because following that HDFC Bank checks the interest rate, you are eligible to pay in loan tenure. You get a maximum repayment duration of 5 years on HDFC personal loan and the age criteria for the loan is 21 to 60 years. That simply suggests that before reaching an age above which there is less source of income, you must repay the loan.  HDFC Bank personal loan eligibility criteria for the age simply drives you t...

The credit score is the number that defines your credibility to the lender. If you meet the criteria of your desired loan and the score is not good enough, then your interest rate must be affected by this. A credit score check is done by banks or NBFC also in some loan approvals, and the customer needs to pay for it. Read the given article and know about the CIBIL score check free service.  What is CIBIL and does this do a credit score check? Yes, they give you a free service with the help of which you can know your current credit score. Transunion CIBIL is one of the renowned online credit bureaus that helps customers find their credit score for free. A 3 digit number that ranges from 300-900 can help you with the loan. Whether you need a secured or unsecured loan, in both the cases applicant credit score is checked. And to find out the score in advance so that your loan would be approved easily without any trouble, you can take CIBIL’s help. To do a credit score check fr...

City Union Bank which is also known as CUB provides home loans for customers. And the CUB housing loan interest rate is attractive according to the individual income. You can finance your new home or build a one with CUB. But, before anything else, you must know about its interest rate in detail. Read the given article and know how the interest rate is charged on your borrowed loan. Home Finance with CUB! Using the CUB housing loan, you can manage the 75% of your property value. And for the construction cost, the borrower also disburses the loan amount in installments. But is the interest rate gets affected by the loan disbursement? No CUB housing loan interest rate is based on the bank MCLR and changes according to it. Suppose, you have borrowed a home loan from CUB of INR 12 lakh to renovate your house with 5 years of tenure. Then the interest rate according to the MCLR rate would be from 10.50%-11.20% per annum.  What factors could affect the CUB housing loan interest r...

You can better your score with a home loan quickly as it is a secured loan, and its sanction is already a signal of your payment history. Because a home loan takes time in approval and if your loan was approved, then it is a golden opportunity for you to improve your credit score with it. Read the given article and find out how to improve credit score India using a home loan. Why does improving credit score matter? The credit score is a 3 digit number that ranges from 300 to 900. And it is based on your payment activities. If you spend more from a credit card and don’t pay for it then your score decreases like the same if you borrow a loan and pay the half installments without completion. Whatever is your reason for nonpayment but, if you want to borrow a loan and credit card in the future you need a credit score. Or by credit score here it means a good credit score because if you apply for a loan with a bad credit score it doesn’t help you and reduces it more. Then what should...

Loan is the part of everyone’s life, every single person has faced a situation where he/she needs money and borrows it from a friend or an unauthorized lender. But do you know that borrowing loans from banks and financial institutions helps you in a far better way. You can be saved from tiffs, and make regular loan payments at an attractive interest rate. Managing a wedding expense is always a big issue, and you can solve it using the best personal loans in India available at banks and NBFCs. Read the given article to find out the best lender for your marriage plan. List of best personal loans in India! HDFC personal loan: The loan from a bank is always a safer decision. And when the bank is HDFC, then you wouldn’t face any problem. A maximum loan amount of INR 15 lakh can be easily sanctioned from the bank if you have an income with less current liabilities. HDFC Bank charges an interest rate from 10.75% to 22.00% based on your credit history, income and age. For expenses like ...

You must want an instant loan and credit card approval to buy a desired product or to meet an urgent financial need. Yes, you can get instant approval if your CIBIL is good. But how would I know whether my CIBIL is good or bad? To find out, check CIBIL score online free service. CIBIL defines your credit history and payment records. Read this article to know about the credit bureau CIBIL check services. How to check a CIBIL score for my loan benefits? You can visit the official website of Transunion CIBIL for the free CIBIL check service. And to use it, you need a CIBIL account. And the account is created within a few seconds if you follow the 3 simple steps. Enter your details such as name, email, mobile and PAN number Verify them and enter the received OTP  Check CIBIL score online free without hassle A good CIBIL range from 700-900 and it helps you get the instant credits in the future. What could affect my CIBIL score? There are several factors that can change...