Home Loan vs. Loan Against Property – Everything You Need to Know!

Do you also dream of getting that perfect little house for you and your family? Are you still confused about all your available loan options? Do people have a lot of financial advice for you, but you cannot rely on them? Then come to the financial experts themselves! First things first, let us get the confusion out of the way. We are aware of the ongoing home loan vs. loan against...

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How to Reduce Your Home Loan Interest Burden (4 Simple Tips)

Everyone knows that paying off a home loan can be one of the most taxing commitments in our lives. That is because customers tend to opt for 15-20 years to pay off the entire loan. Imagine putting aside a certain percentage of your income every month without fail for such a lengthy tenure! As such, if you fail to plan, a high home loan EMI can negatively impact your financial...

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What is Home Loan? Everything You Need to Know About Housing Loan

We all dream of buying the best home possible. But, with property prices sky high and soaring, turning the dream into a reality could be a step too far. Here, the good old home loan comes to the rescue. Taking a home loan can be a huge step. From the sheer amount of financial planning to the lengthy process of getting approved for one, a home loan can often sound...

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An Essential Guide to Home Loan Balance Transfer

Are you wondering how much you’d have saved in terms of interest and principal amount if your existing home loan was at a much lower lending rate today? Well, you’re not alone. With home loan interest rates in India circling above 7% per annum since 2020, many like you are worried if they are paying too much. Given how hefty the outgo is on a typical home loan, even a...

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A Step-By-Step Guide on Home Loan Disbursal Process

Buying a home is one of the most crucial and landmark decisions you make in your lifetime. Everything about your home loan, right from the research, application, documents, and the lender you choose to go with, has to be perfect. Ample research and knowledge about the entire home loan process is the best way to avoid any surprises later. Bookmark this post right away if you are still in the...

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Things to Remember Before Taking a Loan Against Property

A loan against property (LAP) is a secured loan that banks, housing finance companies and NBFCs provide against residential or commercial property. These loans are usually offered at a lower interest rate as compared to a personal loan or business loan and are disbursed at a reasonable time. Anyone with a pre-owned property can avail such loans, whether they are salaried or self-employed in a business or professional setup. The...

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How to Secure a Loan against Property

As a form of secured loan, this is available on more benign terms since the property papers are kept as collateral by the lender. Loan against Property (LAP) is a secured form of loan borrowed from a loan provider. As the name itself reveals, it is a loan given against property, which should be physical and immovable (residential/ commercial). A loan provider or lender can be a bank, NBFC or HFC...

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Why Fixed Deposit is Good Option to Plan Your Vacation

We all have a desire to travel and explore the world in our own way, and we often tend to put it under the carpet. This is because we think our income or savings will fall short of meeting the expenses and can derail our financial well-being. However, this does not hold true, and you can easily fund your travel plans through smart and planned investments without affecting your regular...

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A Step-by-Step Guide on How to Open a Fixed Deposit Account

You may be familiar with the process of opening a new FD account at your bank using your savings or current account. But, it follows a different process, when it comes to opening a new corporate fixed deposit account. At a bank branch, where you maintain your account, you just need to submit a filled-in application form and a cheque to get a new FD certificate. But, at an HFC...

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Features and Benefits of Fixed Deposit Account

When it comes to investing your savings, fixed deposits turn out to be a natural choice for many. For decades, it continues to be one of the preferred choices of investment and is considered a sound investment avenue. So, let us examine all the features that make it an evergreen investment option. FD Gives Guaranteed Rate of Return Once the funds are invested in a fixed deposit, the depositor is...

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