Page 33 - Loans

Don't fund lifestyle needs with debt; limit your total EMI outgo

Limit the sum total of all your EMIs to 50 per cent of take-home salary

For agricultural loans, bankers call for longer repayment period

There were also suggestions to have an agriculture credit guarantee scheme, and a stronger institutional network to prevent multiple lending in the agriculture sector

MSMEs to get pending GST refunds within 30 days: Nirmala Sitharaman

Banks will also have to return all documents within 15 days of a loan closure, helping borrowers whose mortgaged assets are tied up

Why borrowers should move to longer-tenure loans to escape debt trap

Those who have loans running should set up a contingency fund

Cholamandalam eyes mortgage-finance segment, to offer Rs 15 lakh loans

The company will target buyers of low-cost homes and offer loans of as much as Rs 15 lakh

Can you handle an education loan? Choose institution and course carefully

It cuts both ways - you can build your credit score and get tax benefit, but defaulting will make life difficult

Budget 2019: Rs 350 cr allocated for interest subvention for MSMEs

FM also says country needs to make structural reforms to achieve $5 trillion economy in the next few years

Planning to pay off loan before time? Here is what works in your interest

Foreclosing a loan other than floating-rate home loan attracts foreclosure charges, which can range between 2 per cent and 6 per cent

Financial emergency? Loan against securities cheaper, but comes with riders

Lenders give money against selective stocks, mutual funds and bonds

Planning to take a car loan? Here're the rates and charges offered by banks

Increasing the loan tenure reduces EMI burden but enhances interest outgo

Choose the right type of credit this festive season: All you need to know

Doing so can result in sizeable saving in interest cost

Maharashtra, Tamil Nadu and Karnataka form 40% of total retail loans: CIBIL

The three states represent about 32 per cent of the country's overall credit population share despite comprising only 20 per cent of the Indian population

Barring auto, even retail loans see spike in bad loans: Report

The educational loans portfolio grew 6.13% but the quantum of NPAs shot up to 11% from 8.09%

Want a loan? Here's how your phone data, utility bills can make it easier

New customers or existing ones seeking better credit scores can go through this process

Small-ticket loans made easy

While start-ups are making it easier to borrow, one needs to choose carefully

Lending to friends and family can be risky

Verify the purpose of borrowing and make other members part of the loan, if possible. Maintain a loan agreement for tax purposes

PM Modi to launch scheme for loans to SC/STs, women on April 5

SC/ST and women entrepreneurs who avail loan would be given a RuPay Debit Card for withdrawal, besides support like pre-loan training, facilitating loan, factoring, marketing

Consumer loans become cheaper as banks adopt new rate formula

RBI had asked banks to price fixed rate loans of up to three years based on marginal cost of funds from April 1

Sell assets of guarantors if firms don't repay loans: Govt to banks

Gross NPAs of PSBs rose to Rs 3.61 lakh cr while that of private lenders were at Rs 39,859 cr at the end of Dec'15