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Financial food for thought
A credit score has no longer remained a number which is important only from the perspective of lenders. As quick access to credit assumes more and more significance, everyone seems to be concerned about maintaining a good credit score and being creditworthy at all times.
Credit Score is a measure of your creditworthiness and is the primary way for a bank or a financial institution to decide if you should be eligible for any kind of credit in future. This score can range anywhere between 300 and 900. Higher scores are preferred as they indicate higher levels of creditworthiness.
Owning a home is among the top aspirations of individuals. Investment in real estate is often for life and costs a lot, making it difficult to own them just out of your personal funds/ savings. Availability of a home loan comes as a big savior here.
Have you taken a personal loan or home loan at an interest rate which is digging deep in your pocket during repayment? Wouldn’t it be relieving if you could transfer whatever loan balance you have to another bank for a lower interest rate? Yes, you can now switch your existing loan to another bank/lender who is ready to offer you a lower interest rate on your outstanding amount. This is called balance transfer.
Home loan is a long-term commitment which demands a stable repaying capacity by the lenders
You might have been called by a banking employee regarding a loan offer often for personal loans with a promise of quick disbursal. After submitting a host of documents, when you so eagerly wait for the loan, you get the shocking news of ‘Loan Rejected
Everyone loves weddings, but we might not all have the ready money to celebrate them in the style we would like to. While there is no specific banking term known as wedding loans, you can take a personal loan to cover any expenses you might have in connection with celebrating a wedding in grand style! For many Indians, a wedding is the one event in their lives that they do not hesitate to spend on, and taking a loan might seem like the most viable option. But what do you do if you ha
What is an unsecured loan?
An unsecured loan, as the name implies, is a loan offered by a bank or other financial institution without securing a safety deposit or collateral from the customer. When a bank offers a housing loan, it keeps the property as collateral until the entire loan has been paid off. Similarly, in auto loans, the ownership papers of the vehicle are transferred only once the loan has been repaid. In the case of unsecured loans, the lender doe
You are the owner of a small enterprise and you know how to run your business. But do you know what it takes to successfully apply for a small business loan? Much of the available information on loans focuses on home, auto and personal loans or other small loans. Here are some tips on how you can maximise your chances of getting a business loan application approved.
Tips for securing a small business loan
Ensure you have good personal credit:
Planning to apply for a loan? Or if you have unsuccessfully applied for one, are you wondering why your application was rejected? Applying for a loan seems a straightforward thing to do but many people unknowingly reduce their chance of securing a loan by making some very avoidable ‘loan mistakes’. What are some of the things that trip up your application? And more importantly, how can you avoid them when you next apply for a loan? Some common ‘l
Personal loans are one way to resolve the problem of immediate requirement of cash. It is a convenient loan to apply for since you do not need to provide any collateral and you are free to use the money in any way you like (unlike a home or auto loan.) However, this flexibility comes a few restrictions. For example, since there is no collateral or security involved in a personal loan, banks have a certain set of criteria when reviewing
Any delay only causes the problem to become more complicated and will affect your credit score.
What are the disadvantages of applying for loans with bad credit?
What kind of information does my credit report contain?
What are the kinds of credit repair services available?
Credit is a wonderful tool which enables you to own assets, tide over short-term emergencies and even helps you establish a business or enables you to improve your career prospects. The utility of credit gets established in more ways than those listed above.
Worried about delinquent account? Here are a number of ways in which you can deal with them and also how to get them off your credit report
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