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In a bid to give some relief to taxpayers and homebuyers amid the Covid-19 crisis, the Reserve Bank of India (RBI) had some time back directed all banks, NBFCs and housing finance companies (HFCs) to allow three months’ moratorium on the EMI payments of various retail loans, including home loans, as well as working capital loan instalments which were due for payment between March 1, 2020, and May 31, 2020.
Dewan Housing Finance Limited (DHFL) is one of the key players in the housing loan market in India. It has been offering affordable housing loans to its customers for many decades now.
India went into a nation-wide lockdown in March as a preventive measure to curb the spread of the deadly Coronavirus. As a result, millions of businesses – big and small – that do not fall into the category of essential services had to pause their operations.
The Reserve Bank of India announced in June that it is extending the moratorium on loan EMIs and credit card bills for three months.
The government of India has launched several measures to help citizens deal with the economic blowouts caused by Coronavirus-lockdowns and restrictions. One such relief measure is the – moratorium on loan payments.
You have tried every possible way to repay your loan EMIs on time. In spite of your best efforts, a job loss, pay cuts, illness in the family, your loan repayments may go off the track. There may be situations where due to an unexpected financial crisis, you have fallen behind on your loan payments.
Getting a loan today has become easier than ever before. Commercial banks (private and public sector) along with non-banking financial corporations (NBFCs) make it quite easy for borrowers to get a loan to meet their various cash needs.
One of the biggest advantages of loan EMIs is that it’s easy to plan repayments in advance. The EMI remains the same every month for the entire tenure of the loan. This helps borrowers plan their expenditures and purchases.
With India being in lockdown currently to contain the spread of COVID-19, the Reserve Bank of India has announced several measures, to tide over the economic fallouts.
“I want to buy that latest upgraded mobile phone, but I have no money.”, “I need to buy a washing machine for my house, but I can’t afford as I have no funds.” These scenes of lamentations are no longer necessary as you have the convenience of purchasing all that you need with a credit card.
We live in a world of consumption. Right from groceries to mobile phones to vehicles and homes, we have to have the best and latest one in the market. Often, these work out to be high-ticket buys; somewhat beyond our capacity to buy it only on our savings/income.
Gone are days when taking a loan or asking for credit was a cumbersome process, loans provide for financial needs which individuals are not able to meet on their own.
With the increase in usage of smart phones, laptops headphones are popularly used. With the distance travelled by people to and from office is long the usage of headphones to listen to songs or watch movies has become a common practice.
The cost of living each year has increased tremendously. What we might have got for Rs.5 two years ago might be costing Rs.20 now. It has become necessary to know the art of managing your finances to meet your monthly or yearly financial goals
Even though smart phones are becoming smarter and they have numerous applications that help people with their daily activities (alarm, banking apps, bill payment etc.) mobile phones are becoming more of a style statement where people showcase their mobiles as a status symbol. People are clamoring to stores be it online or physical to get the latest mobile when they launch.
There was a time when refrigerators were something considered a rarity among the populace. It was considered a rich people’s tool and not affordable by others.
Gone are the days when laptops were considered a commodity or essential of business executives alone. It has become an essential tool for students as well where some colleges have even made it mandatory that students own one.
Buy the new iPhone 8/8 plus/X! Know all the financing options here The iPhone is one of the most sought-after mobile phones in the world and each year its launch is an event of its own. With the new iPhone 8/8 plus/X releasing in India with iPhone 8 and 8 plus releasing on September 29th in India where the iPhone 8 will have a starting price of Rs. 64,000 and the iPhone 8 plus starts from Rs. 77,000 and the iPhone X dubbed as the iPhone 10 will launch later in November and is ex
How is the EMI calculated in a personal loan from bank?
A personal loan can come in handy in times of need—it is one of the easiest loans to avail. It is an unsecured loan—meaning no collateral or guarantor is required to avail the loan. Banks and NBFC’s require less documentation, but you pay for this with relatively high interest rates—again because the loan is unsecured, meaning the lender does not have any safeguard against customer default
EMI payments on debit cardsNeed an EMI option when shopping? Want to shop to your heart’s content but do not have a credit card to avail of easy EMIs? Would like a credit card but do not qualify for the one you want? Not sure which is the best credit card for you? Credit card application been turned down? Well, here’s some good news for you! Did you know that you can avail of EMI offers on your
5 Smart Tips to Get the Lowest EMI Car LoansBuying a car can be very exciting – but also a little daunting in terms of the financial commitment! Buying a car, and getting a car loan to help make the purchase, can be the first big financial commitment that many people in India make. Buying your own vehicle can give you an exhilarating sense of freedom but is also accompanied by some natural concerns—how to find low interest car loans and low EMIs.
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