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 of Fixed Deposit: Get Maximum Returns of FD

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. Guaranteed Rate of Return Once the funds are invested in a fixed deposit, the depositor is assured of...

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Best New Year Gift Idea – Show that you care by gifting financial security to your loved ones in 2020

Finding best new year gift is no more a tedious task. Read on to know how can you gift financial security to your loved ones on new year 2020.

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Benefits of Fixed Deposit – Both Young and Senior Citizen

Fixed Deposits are one of the most preferred investment avenues for people of all ages especially senior citizens and parents of young children. The primary reasons being that it carries minimal risk and help in fulfilling both short and long term goals. Senior citizens, especially retired persons, can enjoy interest on their deposits on monthly, quarterly, half-yearly or annual basis depending upon their requirements. FDs come with the option of...

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Tips to Apply Home Loan After 45

There is more to buying your dream house than taking a home loan and repaying the principal and interest over a fixed period of time. A home loan — often one of the most important decisions in an individual’s life — can be stressful and exhausting if the applicant fails to do proper research and read the fine print before signing on the dotted line. With a range of options...

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NRI Fixed Deposit – Things to Keep in Mind

India is among the few countries that offer high returns on financial investments in the global scenario and fixed deposit is one such instrument. With the count of non-resident Indians (NRI) soaring high with each passing day, many find it lucrative to invest their corpus back in India. Investments in fixed deposits, is usually preferred, amongst other Indian financial instruments, owing to low risk returns and as a hedge against...

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Corporate Fixed Deposits – Benefits, Taxes and Safety

Fixed deposits, more commonly known as FDs, are one of the most sought after instruments for investing money for a stipulated period in lieu offering good returns. FDs offered by corporates and housing finance companies (HFC) offer a pre-determined rate of interest and even render special schemes for some segments like senior citizens. This helps organizations to raise funds and deploy them for business intents while on the other hand,...

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