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Finance Forum India

Share your thoughts on finance education, economic developments, capital markets movements or your professional experience in the field of finance.

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Rachita Kotian is an independent blogger and writing has been her passion for a long time. A literature major, she loves exploring the world of health, lifestyle, travel and finance. When she’s not writing, she’s most likely listening to music, cooking, surfing the web, or catching up on the latest flick.

Home Loan Schemes by Tata Capital

Buying a home is the most complicated financial process in life, and Tata Capital home loan schemes are designed to make this process, an easy one. You can use Tata Capital customized home loan not only for buying property but also to purchase a plot, to build a home, to buy a home/apartment, to extend/remodel your home, to buy a resale property, and to pay off an existing home loan from another financial institution. Attractive Tata Capital's home loan schemes give you the perfect reason for purchasing a home. •    Flexi EMI Home Loan If you want to buy a home,...
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Will it be easier to buy property in 2017?

The real estate sector in India is all set to adopt new and better changes following the proposed norms in the Budget 2017. In addition, the demonetization drive that was initiated in November 2016 is also a factor that has been showing significant impact in the real estate sector. The demonetization drive indeed created a chaotic environment across all spheres of life including real estate. But, experts opine that this turmoil will take a while to settle down and once everything gets back to normalcy, there will be greater transparency and buyer confidence pertaining to real estate sector. The current slowdown...
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Impact of Budget 2017 on Real Estate

The Union Budget 2017 has proposed various positive measures across all sectors with the aim of strengthening and developing the country and its people and resources. The very fact that this year Union Budget was presented on February 1, i.e. one month than the usual norm of presenting in March, is a step toward nationwide reform. Keeping our focus on budget revelations and its impact on real estate, here we present some of the significant measures that will give the needed thrust to this sector. It was witnessed that the Union Budget 2017 paid heed to the need of both parties...
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Top 5 Reasons for Life Insurance Claim Rejection

Life cover and health insurance plans are important for the financial security of yourself and your family. Several insurers offer different types of life policies to encourage individuals to avail of such coverage. While selecting the insurer you must consider is the claim settlement ratio. A higher claim settlement ratio is preferred because you are assured of receiving the benefits under the chosen insurance plan. Several insurers use their quick, transparent, and efficient system of settling claims as a marketing strategy. However, you must understand that irrespective of how transparent and efficient the system is, there is always a possibility of...
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How to pick the right used car

Picking a used car can be tricky. When Naresh decided to buy a used car, he did not carry out a thorough check. So, he ended up with a car that he needed servicing every few months. His brother Suresh was smarter. Suresh bought his car through a verified used-car dealer. He also ran his own checks and the vehicle is as good as a new. If you are planning to buy a used car, take a look at the tips mentioned below. You will get a fair idea about how to select a good used car. Checklist for buying a...
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How to own a luxury car in your late twenties

Ishant always had a fascination for cars. The day he got his first paycheck, he decided to start a fund for a luxury car. He knew it would take a few years before he could afford it. But he was willing to wait. Five years passed and Ishant was still unable to afford a luxury car of his choice. That is when he decided to opt for a used car. The decision proved to be a good one. He found a Mercedes Benz at half the price. He made a down payment from his savings and applied for a used-car loan...
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How has Demonetisation Affected the Used Cars Market?

The recent move by the government to flush out black money and bring the economy back on track for sustainable growth is not even six months old yet, the effects are far reaching. To begin with, the cashless and digitised economy is as close to becoming a reality as ever. At the same time, the legitimised flow of money in and out of various industries has also been forced to come to the forefront. The used cars market is one such industry that has borne the positive effects of the same. Let us see how.   Earlier, used cars were purchased...
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Don’t burden your family with Loan repayment in case you die!

This will be an extremely catastrophic situation. Think about it. Suppose you purchase a house on loan of Rs 50 lac and have moved in the house with your family. Now unfortunately after just few years of you having purchased the house, you die in a road accident.   The family is shattered at your loss. But that is just one aspect of the problem. They are now also to deal with the burden of repaying the home loan. If you had a large enough life insurance, atleast this worry would have been taken care off. But if not, then your...
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Buy or Stay on Rent? Check whether you are Financially Prepared first

Buying a house of your own or staying on rent. This is a common question that comes in mind of most people eventually (assuming they are still staying on rent).   Most people in young generation who have recently started earning are living on rent. They plan to buy a house of their own someday when their finances are better. And that is a rationale thought.   There will always be social pressure to buy a house as early as possible. Then there is another common reasoning that says that when someone is already paying the rent, why shouldn’t they purchase...
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5 Benefits of Used Car That May Change Your Perspective

Given a choice, who wouldn’t opt for a brand new car over a pre-owned one? Buying a brand new car has its own thrill, but buying a pre-owned car has its own benefits too. Financial advantage aside, the new-age pre-owned cars market makes buying a used car even more worthy. The current pre-owned cars market is more organized, authorized, and pays heed to customer requirements. They ensure that all the cars in their showroom are serviced to perfection and are entitled to clear documentation. The dealers of used cars in India also provide service warranty to buyers either in terms of...
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