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Should you opt for higher Equated Monthly Installments (EMIs) and pay off the loan quickly, or go for lower EMIs with a longer loan tenure?
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If you have received any money as bonus, incentive or in any other way, then you can pre-pay the loan with that.
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Additionally, any charges levied and recorded with any registry on such properties should also be removed within this time frame.
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Changes in the rules in the case of loan EMI, RBI has made many major changes. With this step of the central bank, home loan customers who are troubled by the increase in interest rates will get a big relief. How? Watch this video to find out
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Some big banks have again increased the interest rates on home loans. Clear indications are being received from RBI’s monetary review that it is difficult for loans to become cheaper for the next one year. In such a situation, how should you plan buying a house?
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While it is easy to obtain and recklessly use a credit card, it is just as easy to spiral into an endless debt trap. Moreover, India has one of the highest APRs and penal charges in the world, at about 48%.
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In the year 2017-18, they managed to collect a total of 1.18 lakh crore rupees from loans that were put in the bad loan account. However, the collection declined to 0.91 lakh crore rupees in the year 2021-22.
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According to data by the Reserve Bank of India, in June 2023, Indians spent around ₹88,379.85 crore through credit cards online, while debit card transactions amounted to ₹17,012.92 crore.
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There are no RBI regulations governing such entities. In other words, these platforms operate in a grey zone, regulation wise.
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Taking a top-up loan can be quite beneficial. Is it right to take a top-up loan on a home loan? What is a top-up loan, and who can benefit from it? Let's find out the details.
