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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

    View ForumPost

  • 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

    View ForumPost

  • 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

    View ForumPost

  • 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

    View ForumPost

  • 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

    View ForumPost

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Trust PNB

The most successful Bank in INDIA in tems of service, dependibility, faith what not and what not. I have shifted my home loan from ICICI to PNB.... [Read]

Rewards not so rewarding for ICICI Titanium

This credit card transfers reward points to iMint. iMint offers very low points to value conversion. For instance, if you opt for gift vouchers... [Read]

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ICICI Pru Elite Pension Plan Review

A unit-linked protection plan which gives you a payment of sum assured plus payment of guaranteed additions and vested bonuses in case of unfortunate death or otherwise you start receiving your pension from the date of retirement chosen by you via an annuity option...[Read]

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Case Studies

Income tax implication on second home loan

Tarun is planning to buy a second house worth Rs 45 lakh with a home loan of Rs 36 lakh. He already has a flat that is worth Rs 40 lakh for which he has taken a loan of Rs 32 lakh three years ago. His income is Rs 1.2 lakh a month. He is now scouting for another home loan. He is also not clear about the tax implication of the two home loans... [Read]

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Finance basics

Rupeetalk helps you understand personal finance better so that you can make the right financial decision for yourself. There are many jargons and terms which are difficult for a common man to understand and taking benefit of this, agents and sales persons dupe them. "Finance basics" enables you with guides, tips, glossaries, FAQs and 5 point guides so that you make the right choice.

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Home Loan Guide

Home loan checklist

Many property deals in India comprise an unaccounted-for money component. No bank will agree to finance this component. If you are planning to purchase a resale property, bear in mind that you will not get a loan for a term which exceeds the expected remaining life of the structure...

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Home Loan Tips

Arranging down payments for your home loan

Another solution to this problem would be pledging your liquid financial assets such as bonds, shares, securities, fixed deposits, insurance policies with existing high surrender values, etc. in lieu of the 10% to 20% margin money that you might be required to pay...

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Personal Loan Guide

Charges and fees on Personal loans

Processing fees: These are the administrative expenses incurred by a bank in processing a loan application. They range from around 0.5% to 2% of the loan amount subject to a fixed minimum and are usually recovered from the borrower...

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Personal Loan Tips

Personal loan vs Other loans

One of the basic points that have to be always followed when using a Personal loan is that the amount should be used only when the other low-cost borrowing options are not available....

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Credit Card Guide

What is a credit card?

The easiest way to understand a credit card is to think of it as a 'short-term, unsecured loan'. In common terms, a credit card is also referred to as a piece of plastic. Credit cards allow the users to make expense that they can pay at a later date...

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Credit Card Tips

Credit cards- Interest free EMI option

Interest free EMI ensures that the total amount to be paid before the use of the EMI and the amount paid after using the EMI facility are same. There is no interest cost incurred and if there is any interest cost incurred in the scheme...

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Life Insurance Guide

ULIP FAQs

Unit-linked insurance policies or ULIPs are contemporary life insurance policies that offer investment benefits along with life cover. It is similar to traditional life insurance policies such as endowment, money-back and whole-life, but with one major difference....

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Life Insurance Tips

Life insurance tips

Decide the amount you need to be covered for: This is the most important step in buying a life insurance cover. Find out what is the amount of cover right for you. If your cover is insufficient to meet your present liabilities, your dependents will have a hard time to make their ends meet in case of your death....

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Health Insurance Guide

Types of health insurance policies available

Individual Health Plans (IHP): It commonly known as mediclaim policy and it is the simplest form of health insurance. It normally covers hospital treatment expenses (minimum 24 hour hospitalisation required) for an individual up to the sum assured....

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Health Insurance Tips

Buying the health insurance policy

The health insurance segment witnesses the highest number of claims and hence the rejection rate is also very high. To ensure smooth settlement-Make sure you have all the documents in place and the renewals are done in time....

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Loan Against Property Guide

Amounts of the loan

Amounts of loan vary with banks or financial institutions. The lending institutions have a limit regarding the minimum amount as well as the maximum amount that they will give as a loan against property. This is to ensure that their internal conditions are met when the loan against property is being given....

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Loan Against Property Tips

Advantage of a loan against property

There are several benefits of taking a loan against the property rather than other types of loans. This does not mean that a loan against property is the best type of loan that is present in the market under all circumstances because different situations call for the use of different products....

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Fixed Deposit Guide

Documents required for a fixed deposit

While taking a fixed deposit you have to comply with the regulations related to the Know Your Client (KYC) guidelines that are applicable to banks. The bank has to be sure that there is an adequate check made for the client who is coming to place a fixed deposit....

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Fixed Deposit Tips

Tax deduction on fixed deposits

There is the presence of tax deducted at source (TDS) as far as fixed deposits are concerned. When income earned in a year crosses a certain figure, there will be a tax deducted at source and the net amount will be received by the investor....

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Mutual Fund Guide

How to know the performance of a mutual fund scheme?

The performance of a scheme is reflected in its net asset value (NAV) which is disclosed on daily basis in case of open-ended schemes and on weekly basis in case of close-ended schemes. The NAVs of mutual funds are required to be published in newspapers....

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Mutual Fund Tips

If mutual fund scheme is wound up what happens to money invested

In case of winding up of a scheme, the mutual funds pay a sum based on prevailing NAV after adjustment of expenses. Unit holders are entitled to receive a report on winding up from the mutual funds which gives all necessary details....

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Business Loan Guide

Business loan guides

There is also the question of security that is provided by a borrower when a term loan is taken. This has to be done in several layers in order to satisfy the banks that there is enough backup for them in case the borrower fails to repay the loan....

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Business Loan Tips

Basis for term loans

There is a requirement of funds for every business, and it is the effort of all the people involved in a business that can get the best terms possible for the borrowings. This will mean a lower rate of interest on the amount borrowed plus a higher amount of loan from the bank....

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Business Loan FAQs

Tax Guide

How to file tax return

The Income Tax Act specifies that every taxpayer has to file a return regarding the payment of his/her taxes with the IT department. An individual has to file a return by the 31st of July for a financial year ended 31st March...

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Tax Tips

Why is proper tax planning important

Let us see how proper tax planning can actually save you money. Ram and Shyam were two salaried employees, both with an annual compensation package of around Rs 7.5 lakh. Ram received the complete compensation in the following manner....

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Home Loan

A Home loan is an easy way to fulfill your dream of owning a house. If you are new to the world of home loans, we advise you to go through our extensive guides, tips, faqs, glossary, self help articles, videos and case studies to understand all about home loans.

Home loan interest rate comparison here Home loan EMI and prepayment calculator here User reviews on home loan banks here Home loan guides and tips here Expert reviews on home loans here Articles on home loans here Case studies on home loans here Home loan terms glossary here Latest news on home loans here

Personal loan:

A Personal loan is a convenient way to meet short term cash expenses like a marriage in the family, an overseas vacation etc. If you are new to the world of personal loans, we advise you to go through our extensive guides, tips, faqs, glossary, self help articles, videos and case studies to understand all about personal loans.

Personal loan interest rate comparison here Personal loan EMI and prepayment calculator here User reviews on personal loan banks here Personal loan guides and tips here Expert reviews on personal loans here Articles on personal loans here Personal loan terms glossary here Latest news on personal loans here

Credit card

A credit card has nowadays become a neccessity rather than a luxury. Credit cards provide multiple benefits such as free credit, reward points, convenience, online shopping etc. If you are new to the world of credit cards, we advise you to go through our extensive guides, tips, faqs, glossary, self help articles, videos and case studies to understand all about credit cards.

Credit card interest rate comparison here User reviews on credit card banks here Credit card guides and tips here Expert reviews on credit cards here Articles on credit cards here Case studies on credit cards here Credit card terms glossary here Latest news on credit cards here

Life insurance

A Life Insurance policy is a must to protect against financial loss which might accrue due to an untimely death of an earning person. Nowadays life insurance is looked upon as an investment option too in addition to providing protection. There are various types of life insurance policies available such as term insurance, endowment policy, Unit Linked Insurance plans (ULIPs), child plans, pension plans etc.

Life insurance premium comparison here User reviews on life insurance plans here Life insurance guides and tips here Expert reviews on life insurances here Articles on life insurances here Life insurance terms glossary here Retirement planning calculator here Latest news on life insurance here

Health insurance

A Health Insurance policy is essential to protect yourself against prohibitive medical costs in case of a medical emergency. Health Insurance takes care of your hospital expenses in such a scenario. If you are new to the world of health insurance, we advise you to go through our extensive guides, tips, faqs, glossary, self help articles, videos and case studies to understand all about health insurance.

Health insurance policy comparison here User reviews on health insurance plans here Health insurance guides and tips here Expert reviews on health insurances here Articles on health insurances here Health insurance terms glossary here Latest news on health insurance here

Stocks

Keep yourself updated on the stock market and learn all about demat accounts in India. If you are new to the world of stocks, we advise you to go through our extensive guides, tips, faqs, glossary, self help articles, videos and case studies to understand all about stocks.

Compare various demat accounts here User reviews on demat accounts here Articles on demat accounts here Articles on investments here Investment related case studies here Future value calculator here Latest news on stocks here
Articles

Income tax benefits - implication on ULIP investors

Holders of unit-linked policies (ULIPs) might have to see tough days ahead. If the much-hyped row between IRDA and SEBI was not enough, the revised direct tax code could hit the investors hard which is to be out in a month or two... [Read]

10 signs that you are being set up by your life insurance agent

Most people have their first contact with an insurance company through an insurance sales agent. These agents help individuals, families, and businesses select insurance policies that provide the best protection for their lives, health, and property... [Read]

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