Page 34 - Loans

Now, there are loans for your lifestyle needs: Should you avail of them?

Loans are available for dental care, hair weaving and even to buy designer clothes, with easy repayment options

Bad credit score: Millennials spawning next wave of NPAs for banks?

The number of millennials opting for a new loan grew 58 per cent as against a 14 per cent growth in the non-millennial segment

NBFC crisis dragged loan growth to demonetisation lows in Q2: Credit Suisse

While the NBFC sector continues to face the heat, corporate banks seem to be on track to recovery

Direct sale of loans by NBFCs and HFCs takes a knock in H1, says Icra

Securitisation under pass-through certificate (PTC) transactions was to the tune of Rs 92,000 crore in the past one year

Colour but no credit: Loan 'mela' kicks off, but without spot approvals

Although letters of loan sanctions were handed out to customers at the mela, most of these were already under process for some weeks at the branch level

FM to discuss external benchmarking of loans, MSME credit with pvt bankers

Finance Minister Nirmala Sitharaman is expected to hold a press conference at around 7 pm today

How to prepare yourself financially when you know layoffs are coming

As soon as you detect straws in the wind-peers receiving the pink slip, projects getting shelved, etc.-start preparing for the worst

Linking loans to external benchmark: Why it won't be easy for banks

Banks in India are not wholesale-funded entities as in developed markets, but deposit-taking. Only a percentage of their books is linked to borrowing at the repos window

Banks must appropriately price in credit risk: Ex-RBI deputy guv Thorat

Usha Thorat says it's absolutely essential for financial stability that bank spreads are not under threat

RBI decision to cut risk weights for retail loans credit negative: Moody's

The reduction in risk weights would encourage banks to increase their exposure to this loan segment at a time when credit risks are already increasing from a slowing economy, Moody's said

Why do lenders rush where angels fear to tread

Only a forensic audit can answer the questions that lenders to Bhartiya Micro Credit have, but don't dare to ask

Banks target weaker borrowers as credit growth slips: Why it's a risky bet

Unsecured loans can only offer banks a temporary shelter during a downturn in collateralised credit

Secondary loan mkt may completely change India's banking landscape: Experts

In India, there is a well established secondary market for stressed loans

RBI mandates banks to link fresh retail loans to external benchmark

Move to cover fresh retail, MSME loans from Oct 1; home, auto loans to get cheaper

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