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Term Loan vs Overdraft: What are they, and which of them can be a better option?

Term Loan vs Overdraft: What are they, and which of them can be a better option?

Thu, Jan 25, 2024

A term loan is a fixed-amount loan with a fixed repayment schedule that you take from a bank, non-banking finance company (NBFC), or any financial institution. In a term loan, the interest is calculated on the entire loan amount, while in overdraft, the interest is calculated only on the amount you withdraw from the OD.

RBI increases risk weight by 25% on consumer credit exposure of banks, NBFCs

RBI increases risk weight by 25% on consumer credit exposure of banks, NBFCs

Mon, Nov 20, 2023

Reserve Bank increased risk weightage by 25%. S&P report on RBI's move.

Money Guru: What things should be kept in mind before taking a loan, from whom to take loan and from whom not to take it? | Zee Business

Money Guru: What things should be kept in mind before taking a loan, from whom to take loan and from whom not to take it? | Zee Business

Fri, Nov 17, 2023

Personal Loan: In today's time, everyone is ready to give loan, now loans are available in a jiffy, but getting a loan in a jiffy can make you face a lot of difficulties, today we will know from experts, what is the difference between taking a loan and What things should be taken care of first?

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Aapki Khabar Aapka Fayda: RBI increased the risk weightage on consumer loans. Personal Loan

Aapki Khabar Aapka Fayda: RBI increased the risk weightage on consumer loans. Personal Loan

Fri, Nov 17, 2023

Personal Loan: RBI has taken a big action, RBI has increased the risk weighting on consumer loans, the risk weighting has been increased from 100% to 125%.

Before taking a personal loan, ask these questions from lender to avoid any future regret

Before taking a personal loan, ask these questions from lender to avoid any future regret

Tue, Nov 14, 2023

If you want to take a personal loan, you must ask from your lender important questions such as the rate of interest, loan tenure, fees and charges. While these queries can help you get a loan at an affordable interest rate, the chances of getting trapped in debt will also be reduced

Personal Loan: Is zero-cost EMI for a loan just a myth?

Personal Loan: Is zero-cost EMI for a loan just a myth?

Fri, Sep 29, 2023

A zero-cost EMI for a loan seems like an appealing option as it apparently assists you in saving on interests. However, the reality isn't the same as these credit facilities often come with hidden charges.

Cover your immediate expenses with Rufilo's personal loan

Cover your immediate expenses with Rufilo's personal loan

Thu, Sep 28, 2023

There are various things that are totally unpredictable in life. The urge to buy new products is always there in homo sapiens, like buying a new cellphone or going out shopping; these needs can knock on the door anytime.

Overdraft vs Personal Loan: Check when OD could be a better option

Overdraft vs Personal Loan: Check when OD could be a better option

Fri, Sep 22, 2023

Overdraft services and personal loans are popular short-term credit facilities best suited for emergency needs of funds. However, Overdraft facility offers more flexibility and comes with lower interest rate compared to personal loan.

What’s the lowest acceptable credit score for a personal loan?

What’s the lowest acceptable credit score for a personal loan?

Thu, Sep 14, 2023

Maintaining a good credit score is important for availing a personal loan at a reasonable interest rate. The lenders may approve personal loans despite your low credit score, but they may charge higher interest rates.

RBI introduces guidelines for timely release of property papers to borrowers after loan repayment

RBI introduces guidelines for timely release of property papers to borrowers after loan repayment

Wed, Sep 13, 2023

RBI issues rules for returning property documents, papers will have to be returned within 30 days of full loan payment

Banks Keep a Close Eye on Your Negative Comments on Social Media Platforms

Banks Keep a Close Eye on Your Negative Comments on Social Media Platforms

Mon, Sep 11, 2023

The leading banks of the country are now keeping an eye on the comments on Social Media platforms along with checking the Credit Score of the company or businessman.

Here’s how to get a personal loan without credit history?

Here’s how to get a personal loan without credit history?

Mon, Sep 11, 2023

Most of the lenders approve personal loan applications based on the credit history of the borrower. Your personal loan application could be rejected if you have a low credit score. Though many banks offer personal loans to borrowers with low credit scores they may charge higher interest rates.

Personal Loan: Does a low CIBIL score affect the rate of interest on your loan?

Personal Loan: Does a low CIBIL score affect the rate of interest on your loan?

Sat, Sep 02, 2023

Acquiring a personal loan might seem easy, however, if your CIBIL score is low the scenario can be the complete opposite.

Personal Loan: Who repays the loan if the borrower dies?

Personal Loan: Who repays the loan if the borrower dies?

Fri, Sep 01, 2023

The lender can't seize or sell the borrower's property for acquiring the remaining amount as the loan was an unsecured one. Since the personal loan repayment isn't possible, this amount is eventually written off and is transferred to the NPA (Non-performing Assets) account.

Personal Loan: Tips to improve your credit score for quick and easy loan approvals

Personal Loan: Tips to improve your credit score for quick and easy loan approvals

Tue, Aug 29, 2023

The borrower's credit score is the most important factor for lenders while approving a personal loan. Lenders often prefer credit scores for 750 or above to approve a personal loan.

Personal Loan: Don't make these mistakes when applying for a personal loan

Personal Loan: Don't make these mistakes when applying for a personal loan

Mon, Aug 28, 2023

One should be very careful and avoid any kind of mistakes in the loan application while applying for a personal loan, as it may lead to rejection. This may also negatively impact your credit score.

Personal Loan vs Emergency Savings: Which is a better option?

Personal Loan vs Emergency Savings: Which is a better option?

Tue, Aug 22, 2023

In case of a personal loan, there will be debt obligations on the borrower. On the other hand, using an emergency fund will have no debt obligation. If some money is withdrawn for any reason, you can start rebuilding the corpus as soon as possible.

Personal loan on credit card vs pledging Mutual Funds: Which is a better credit option?

Personal loan on credit card vs pledging Mutual Funds: Which is a better credit option?

Thu, Aug 17, 2023

While credit cards offer instant financial support, loan against mutual funds comes with a series of benefits like competitive interest rate, quick disbursal and the benefit of continued returns. Loans against Mutual funds could be a better option if you are looking for earning returns while repaying the loan.

Home Loan: With RBI maintaining status quo on repo rate, here's what you can do with your home loan

Home Loan: With RBI maintaining status quo on repo rate, here's what you can do with your home loan

Fri, Aug 11, 2023

With the RBI maintaining the status quo on repo rate, borrowers need to understand how their repayment plans can be affected. The interest rates are unlikely to be impacted as the RBI has kept the repo rate unchanged. So, your home loan EMI may not go up soon.

Home Loan: Things to remember when getting enhanced home loan for stalled projects that have been revived

Home Loan: Things to remember when getting enhanced home loan for stalled projects that have been revived

Fri, Aug 04, 2023

Many homebuyers resort to additional amounts under their existing home loan to meet the escalated cost. Here are a few important factors you should take into consider before availing more funds under your existing home loan.

Personal Loan: Easy ways to improve your eligibility for personal loans

Personal Loan: Easy ways to improve your eligibility for personal loans

Tue, Aug 01, 2023

One of the most crucial factors for personal loan approval is a good credit score. This score reflects your creditworthiness.

Gold loan vs personal loan: Check tenure, collateral, conditions, interest rates and other details

Gold loan vs personal loan: Check tenure, collateral, conditions, interest rates and other details

Wed, Jul 12, 2023

Gold loan vs personal loan: Factors such as requirements of collateral and creditworthiness vary in the case of personal loan and gold loan

Paisa Wasool 2.0: Gold loan or personal loan — where can borrowers save thousands of rupees?

Paisa Wasool 2.0: Gold loan or personal loan — where can borrowers save thousands of rupees?

Sun, Jul 09, 2023

Personal loans and gold loans can be the perfect solution whenever a person is need of extra funds or in case of an emergency. Here is a comparison of the advantages, disadvantages and the characteristics of both these loans, so you can decide which is the more suitable option for your needs.

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