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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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Some Tips to Prepay your Home Loan Faster

You might have taken a home loan and are already paying your EMIs diligently. But its possible that you would want to close your loan as soon as possible. So how should you go about managing your home loan so that you are able to repay it quickly and without compromising on other things? We share some tips to help you prepay your loans quickly. Increase your EMIs with Income Increases Suppose your EMI at the start of loan was Rs 25,000. And the salary at the same time was Rs 75,000. Now after few years say 3-4 years your salary...
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Some tips to avoid rejection of your home loan application

You have shortlisted the house that you want to buy. You have arranged the down-payment that you would be required to pay. Now you applied for the home loan. But the lender has rejected your application. This can come as a big shock to anyone who is at the receiving end. Hence it is necessary to understand why lenders reject home loan application even though borrower has most things in his or her favor. One of the biggest reasons is the mismatch between Income and credit score. A high credit score is no guarantee of getting a home loan. Your income...
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Six Things about Home Loan Tax Benefits that are not Commonly Known

The year 2016 is expected to be beneficial for home buyers. Additional tax benefits, reduced interest rates, stationary prices, new affordable housing project launches, and attractive payment structures are some of the proposed happenings in the real estate market. Several people would like to take advantage of these initiatives and would search for properties within their budgets. There are several tax benefits that are commonly known by borrowers. Here are six lesser-known home loan tax benefits 1.   Tax benefits may be claimed on missed installments The benefits on principal repayments are available only when the money is actually paid. However, the...
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Five Reasons Why NPS is Preferred over Mutual Fund Investment

Finance tools and instruments are essentially linked to the financial independence of individuals throughout their life. With the flourishing of the banking, financial services and insurance sector, the avenues for savings and investment are on an all-time high, and you are bound to find a suitable plan to meet your needs.   National Pension System (NPS):   There was a need to create a more cohesive pension plan for both, government and non-government employees, and the NPS does just that. One can apply at any leading Points of Presence centres which offer NPS applications, just fill the form and make the...
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Best Investment Game Plan For 2016

Financial planning helps people build wealth for their future. Furthermore, proper planning ensures investors are able to meet their short and long-term goals, such as marriage, buying a house, and children’s education. Most individuals’ investment goal is to strike the right balance between risks and returns. Apart from opting for insurance policies such as health insurance, term insurance and critical illness insurance, they prefer choosing financial products that are less volatile in order to minimize the loss on their capital investments. According to financial experts, investors must choose instruments that suit their investment horizon and risk profile. Here are five commonly...
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How Easy it is to Get a Personal Loan

  From weddings to travel plans, Personal Loans come in handy when people are short on cash. Several individuals opt for Personal Loans when their need is urgent because these are easy to avail of. Furthermore, the lenders do not apply any limitations on the use of these funds. Financial institutions are making it simpler for applicants to avail of these products. Here are three ways to apply for a personal loan: 1.    Applying online The Internet has been a great boon for Personal Loan borrowers. This medium offers plenty of useful information and ensures they make the right decision. Several...
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Does taking a Used Car Loan make sense?

The car markets in India are witnessing a dramatic change in consumer preference. The first being increase in the number of people changing their cars every few years. Result of this is that a lot of sparingly used cars come to the secondary market. And since sparingly used cars offer a good value for money, many people don’t hesitate in going for old cars. Used cars are generally few lacs cheaper than their newer counterparts. But if you do not have the funds to purchase a used car, then you can still avail a used car loan for the purpose. These...
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Do You Really Need Travel Insurance?

You always wanted to go for a camel trek and now that it’s finally happening, you spend some sleepless nights of excitement. Just two more weeks to go and you’ll be riding on a camel back in Egypt. Seems like that’s all you’ve ever wanted. It’s like a dream come true. You’ve been dreaming how amazing this trip is and suddenly you just happen to fall off the camel and break some bones. Thank God it’s just a dream and a one you don’t want to turn to reality. You can’t avoid the inevitable but you certainly can prepare yourself to...
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How do Business Loans Help Upcoming Entrepreneurs?

The initial period is the most difficult time for a start-up. Right from obtaining capital to setting up the infrastructure, the challenges are numerous. Upcoming entrepreneurs are often faced with the issue of arranging funds from the right sources. Though borrowing from friends and family may seem a considerable option, it is not feasible in the long run. The best alternative is availing of a commercial loan so as to fund the expenses associated with establishing the business. The most important step for starting a business is deciding the amount of capital required to cater to the needs of the business....
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Avail of Different Types of Home Loans from Tata Capital

Because the homes and the needs of the buyers are different, a standard loan product would not be appropriate for all. Tata Capital understands this and therefore provides different kinds of home loans customized as per the needs of the borrowers. The institution offers flexible tenure and repayment schedule based on the eligibility, borrowed amount, and the professions of the applicants. The experienced team provides quick and friendly services to ensure the procedure is completed efficiently in the least possible time. With features like affordable interest rates, minimal documentation, and faster disbursal, a Tata Capital loan helps individuals to maximize their...
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