Nursery Admissions 2024–25: A Comprehensive Guide to Delhi Schools

When you make use of the credit card for paying your household expenses then your debt can go out of control. So is it a right choice to opt for the personal loan for paying off credit card bills? Let’s have a look on some of the below points before opting for personal loan for settling your credit card bills- Usually, credit card debts have high interest rate as compared to personal loan. So, if you will opt for the personal loan then you can save considerable amount. However, you should remembered that you will be required to have a high credit score in order to qualify for the low interest rate. But, even if you will not be at top of credit score scale and get a loan then also you will be able to see a decrease in interest amount. It is required to shop around and do a comparison of available loan options The interest rate of Indian Bank personal loan will be different from SBI personal loan. Not only interest rate, there are other terms and conditions also which will be diff...

Most individuals typically wish to get a hand on new beautiful and eye-catching house once in lifetime. Once they manage to materialize the dream house, there comes consideration of renovation especially followed by month’s long stay in the house. Undoubtedly, an experience of requirement related to home improvement or renovation follows when the entire ambiance of the house looks gloomy and untidy, defining absolute imperfection for comfy accommodation. At such time of home renovation necessity, an individual is not oblivious the prospective expenses as well. This is the reason why home loan as a form of home improvement loan could be of great assistance in needs. Home improvement/renovation loan is recognized as one of the best and most trustworthy loans to help you materialize expenses. The quantum of finance that one avails is considerably large enough to foot your expenses like flooring, tilling, internal and external painting, roofing and waterproofing and electrical work a...

English: Refinance auto loan when needed (Photo credit: Wikipedia ) The prospective advantage of a car loan is to give on time and adequate financial assistance so that you can purchase a new car of your dream. This type of finance is quite pertinent to those people having no sufficient monetary power to finance their car buying needs. For instance, new car might cost from Rs 5 lakh to Rs 25 lakh and more and such huge financial arrangement is not possible single-handedly by anyone. Apparently the buyer with not good monetary condition can opt for car loan to finance dream car easily. There are a large number of banks or financial organisations offering auto loan for prospective customers or borrows in the country. But being a secured finance holds borrower responsible for ensuring collateral to avail the loan. Hence better choose a car first before you make a commitment to the loan. The finance will be provided on the ground of liquidation evaluation of the new car along ...

Home loan or housing finance has virtually provided one of the most efficient means of financial assistance to all the prospective customers seeking reliable monetary assistance. As the name itself suggests, home loan is meant for renovating your existing house, helping you buy a new house or land for home construction or can even refinance your housing project to a greater extent. Among various mediums available to render significant monetary assistance, the housing finance has come as the best of them because of the quantum of finance that banks lend. If you experience any sort of monetary problems, the housing finance can render you great solution by lending you 80% to 85% monetary assistance against any housing project demanding requisite financial support. Therefore, you should count on such finance for your needs. Moreover, there is no dearth of housing finance companies in India which can help you sort out your problems in this respect. In the context of borrowing housi...

Among a lot of things that demand contemplative approach, home loan eligibility is one of the most important of them. In fact, the eligibility criteria of different banks have made the process of borrowing the loan a bit more interesting and worth knowing for any prospective customers. Here in the article, we mention some of the crucial points that you should understand about acquisition of housing loan in India. Under the category of eligibility criteria, borrowers are required to have some of the most important virtues such as good credit score and income along with repayment capacity in order to impress the concerned bank. It is quite important to consider that repayment capacity is determined on the ground of your current income that you are earning from job or from your self started business. Make sure that the income you are earning should not be below than Rs 150000. This is the lowest income standard set for applicants, who are looking for housing finance in India. Other ...

Credit cards have changed the way people spend their money. With a card, you can even buy things even when you have low bank balance. There are lots of card options in the market like Kotak Mahindra Bank credit card, SBI credit card, CitiBank credit card, HDFC Bank credit card, etc., and therefore, you cannot complain about shortage of options. However, there are some mistakes which should not be committed by card holders. Let's have a look on those- By ignoring terms and conditions: Terms and conditions can be complex for you but that should not become your reason of avoiding them. Many card holders got a surprise when they are told that there is a change in interest rate or there is any fluctuation in annual fees. It is necessary to read all terms and conditions carefully in order to avoid any such surprises. If you have any doubt then it is better to call the customer care executive and get it cleared. Completely ignoring credit card monthly statement: Many people have ...

Does the lack of enough finance hamper your way of financing your dream house? If yes, then you should know that you are not the single individual in the list of millions of potential home buyers who can’t finance dream house owning to financial shortcoming. The saddest part of such dream is that it tends to get shattered owning to monetary insufficiency and this is the reason why individuals take resort to loans to finance dream house. In fact, the increasing popularity behind growing number of housing finance in India breeds a reasonable point that it’s quality and obtainable at a very affordable EMI as the home loan interest rate has already been made quite flexible for potential borrowers seeking the loans for housing project. Today buying a dream house is no longer a financial hassle as presence of housing finance or home loan has answer to solve your financial hassle dexterously. What you can do is to apply for the loan at a bank. Home purchase loan is secured loan and ...

Credit card is one of the best mediums for payment of virtually anything that comes within the range of buying. In fact, this is one of the most reliable ways of payment against online and offline shopping. Malls, departmental store, shops etc where credit card is acceptable as payment method, the joy of shopping knows no bounds there. More so, there is no dearth of companies or banks in India that offer credit card for prospective customers in the country. Hence, choosing a right card for your need might be a difficult task. However, if you consider few basic things, you can make a good choice and pick up a right one for your need. One of the first things that you should consider is the prospective use of credit card once you have it. Surprisingly, a larger number of people don’t consider their needs first before purchasing a card. Improper plan will lead you nowhere in terms of maximising the card productively. Though there is no dearth of banks or companies that offer credit car...

Car loan is a loan which is taken for buying a car. It can be called a secured loan as your car is being kept as collateral with the bank. Loan value is computed by the bank on the basis of on-road-price of the car. Shop around in order to get the right deal- If you want to find the right deal then you should shop around as there are varied loan options in the market like PNB car loan, SBI car loan HDFC Bank new car loan, Axis Bank car loan, ICICI Bank car loan, etc. Therefore, it is useful to make a comparison among varied loan options. Down payment- Usually, 15 per cent-20 per cent of the total car loan would be paid upfront to the lender and it is known as down payment . It could be decided on the basis of the value of the car. So, it is crucial that before you apply for the loan, you should have some money in hand which you pay as down payment. Crack a good deal- Convenience can be called the main point which should be given due weitage. You should renegotiate with ...

In most circumstances, we experience financial problems. Things really become nasty when you experience financial problem at the time of shopping your favourite goods. You are not only deprived of what you wish to get a hand on but also get a nasty experience of dissatisfaction that is quite embarrassing sometime. For the people, who are quite interested in shopping activities hardly wish to get problems of any sorts especially, when it comes to payment. If you are one of such kinds of shoppers, then credit card can be the best of option to go for. It is really one of the best of options when it comes to making payment against a variety of expenses that you may make in your life. When it comes to obtaining the credit card, there are a lot of banks and other companies which offer such plastic credit with quite a lucrative offer. If you plan to purchase a card for your need then you should opt for a card that can cater your needs well. You should understand that there is no dearth of ...