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Latest Forum Discussion

Home Loan

Topic : Home Loan Eligibility

Comments :

I have purchased resale flat at Vasai (W) Thane Maharashtra. Building plan was approved by Gram panchayat which was built in 1994.Will I get a Loan? Which bank gives? - Aayushmaan

Any bank would give you a loan as this is as good as buying a new flat unless the building is too old. To decide on a lender you can call us on 09920016645 or give us your number. Our representative will get in touch with you and help you choose the right loan. - Naresh

As per bank rules, you would be eligible for a loan with an EMI in the range of 35%-65% of your total monthly salary. Taking a moderate level of 50% of your current income of Rs 5,00,000 per annum and the current interest rate of 8.5% for a tenure of 15 years, you would be eligible for a loan of Rs 20 lakh. With an income of Rs. 5 lakh p.a., you may not get a loan of Rs 20 lakh for tenure of 7 years. So you must try for tenure of 15 years, which will come with an affordable EMI for you. - Shwetabh

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Health insurance

Topic : Which company to choose?

Comments :

i want to have health insurance which covers all my hospital expenditure including my family of wife and one children of four years and my wife is nine months pregnant at present. Advice me which policy i can take for my family and benefits with minimum premium. - Aravinda

I am going to cross age of 64 yrs and having Diabetes now i want cover for medical insurance can you please suggest me the insurance co. who can cover all these diseases and the name of policy under which i shd have the cover - Guest

Generally insurance companies don't offer any health insurance product for individuals having age more than 60 years. However, with the ruling of IRDA (Insurance regulator) which describes insurance companies to offer health insurance product for individuals mandatorily up to the age of 65 years, you can approach insurance companies for a health insurance. Depending upon the risks and other medical conditions involved, they can offer a health insurance policy. - Shwetabh

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Personal Loan

Topic : Personal Loan Eligibility

Comments :

I require 400000 personal loan at Hyderabad. I am not fulfilling the criteria of one year experience as i changed organisation 6 months back. How and where to get loan with judicious interest rate, My repayment capacity is good. - Guest

I have a high debt in credit cards from HSBC , SBI and ICICI as I got recently married. I also have a personal loan on me which am paying regularly without fail. I want a loan to pay my credit cards debt as I don't want to be blacklisted. Can you help me please? It's very urgent. - Guest

If you have not defaulted on any of your payments, your credit history might be good as per bank records. But since you already have high credit card dues and a personal loan, it would be difficult for you to get another personal loan to clear all the existing debts. However, you can persuade your banks to transfer the credit card dues to personal loan. Personal loan rates are in the range of 18%-25% while banks charge anything between 35%-50% on credit card dues. - Shwetabh

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Education Loan

Topic : Education loan procedures

Comments :

I am in need of Education loan to the extent of Rs.10.00 lacs to get my son / daughters admission in one of the reputed international schools for the course I D B P duration 2 years at Delhi. The school is recognised at the international level /Govt.of India / Association of Indian universities. kindly do help me to get my problem solved immediately. Thank you. - Muzaffar

Education loan for MBA
I want to avail education loan for my son who is pursuing MBA. What's the procedure? - Suresh

You can get an education loan for your further studies. In India, no collateral is required for an education loan up to Rs 4 lakh. However, for a loan above Rs 4 lakh, some collateral is required. Here, you can use your house as a collateral. You can approach any bank for an education loan. - Shwetabh

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Life insurance

Topic : Which is the best insurance plan

Comments :

Sir, I am planning to buy Kotak Platinum Advantage or Kotak Long life secure plus .in addition i am also looking at aviva freedom life, Birla Supreme life. Can you please suggest which is the best insurance plan, insurance companies, Best IRR, low charges. I plan to invest long term 20 years insurance coverage 10 lakhs. - Sameer

Hi, I want to give surprise life cover insurance to my mother on her 50th anniversary she is 52 years old and very good from her health suggest me any one plan which can give her or her nominee a good amount on the name of saving she is perfectly fine but she afraid to give any medical test or we can give 10,000 for premium in a year. Will u help me for this or plz suggest me which policy is better for her an insurance or a health policy. - Guest

Both products have different benefits. LIC Money Plus is an endowment unit-linked plan (ulip) where maturity amount is linked to the fund value in the policy term while LIC Jeevan Nischay is a single premium close-ended plan exclusively for LIC policyholders who are looking for guaranteed returns. The latter has been designed for conservative investors who desire fixed returns at the end of maturity along with tax benefits. So, you can consider buying LIC Jeevan Nischay if you are ready to lock in your money for 5-10 years and expect a predefined tax-free return. Read our product review on LIC Jeevan Nischay - Shwetabh

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