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| LOANBASICS |
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| There's plenty that can go wrong before you apply, when you apply and after you apply for a loan. This primer will help you get it just right. |
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HOME |
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PERSONAL |
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| LOANSTRATEGIES |
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Let debt play its part
Anagh Pal |
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| Don’t run away from debt, manage it. Ten ways to make taking debt cheaper, safer and tax-efficient |
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Warning: ignorance is not bliss in a home loan agreement
Urmila Rao |
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| If you thought the loan documents were just a formality, think again. It is a contract skewed towards the lenders through various clauses buried in the fine print. We help you dig them out |
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Have Home, Will Borrow
Vatsala Kamat |
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| There’s no point letting an asset sit idle when you can make it work hard for you. Here’s how you can leverage property that you own. |
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The tide has turned
Clifford Alvares |
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| Interest rates are edging up, and lenders are extending loan tenures without proper notice. Keep an eye on that annual statement to know how bad it hurts.
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| HOMEAFFAIRS |
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Sticking to their rates
Dhvani Desai |
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| Though the central bank has reduced risk weightage on loans up to Rs 20 lakh by 25 per cent, just one bank has passed on the benefit to its customers |
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Home loan: don’t fix it
Dhvani Desai |
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| “Go for a fixed rate,” your banker is likely to insist if you enquire about a home loan. But floating is what makes sense at present |
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It’s wait and watch
Bridget S. Leena |
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| Mortgage guarantee companies on the anvil |
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| RULES & REGULATIONS |
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More moans on loans
Urmila Rao |
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| CRR hikes trigger round of interest rate increases |
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Driving the right loan
Dhvani Desai |
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| ICICI Bank offers on-the-spot loans to customers |
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Every loan you take
Rajesh Gajra |
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| Every payment you make, they'll be tracking you. Will the credit information act just enable banks to play Big Brother? Or will there be real benefits for consumers too? |
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Defaulters Beware
Rajesh Gajra |
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| The government has inserted a clause in the SARFAESI Act, and defaulters will have to deposit 25-50 per cent of the default amount when filing an appeal. |
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Games lenders play
Ashu Dutt |
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| Wondering why the EMIs on your car loan don’t add up to the interest rate your lender promised? It’s because there are no standard disclosure norms for lenders in the country. Smart lenders dress up expensive loans as great deals—and you pay out a lot of money. |
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| LOANPRODUCTS |
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Studied Default
Vidyalaxmi |
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| Banks are getting more reluctant to extend study loans thanks to the extent of default in this segment. A look at the new roadblocks on the education highway. |
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Floating Upwards
Tanvi Varma and Vatsala Kamat |
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| Interest rates on retail loans have not yet moved up, but one could expect a 25-50 bps increase. |
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A smooth drive
Clifford Alvares |
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| SBI offers new, low interest rates for those in the market for car loans. |
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Are you myth-proof? Test your beliefs here.
