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EMI PERCENTAGE GUIDELINES
Techie earning Rs 2.8 lakh per month, struggles with minimal savings: ‘High income doesn’t mean…’A tech professional earning Rs 40 lakh annually struggles with minimal savings due to significant EMIs on a Rs 2 crore flat and a car, alon...- Boosting Rs 1.8 cr retirement corpus to Rs 9.1 cr: How your 8% salary hike can easily increase your SIP by 20%Boosting SIP investments beyond salary hikes can significantly amplify wealth creation. Increasing SIPs by 20% annually, compared to a flat...
- 700+ credit score and still rejected for a home loan? Here’s why it happens and how to prevent itEven with a credit score over 700, home loan applications can be rejected. Lenders scrutinize income stability, Fixed Obligation to Income ...
- Why isn't your home loan EMI dropping after RBI rate cuts? Blame your lenderHome loan borrowers face a crucial choice between banks and housing finance companies. Banks often pass on rate cuts faster due to their fu...
- How to choose the right home loan based on your financial goalsSecuring the right home loan in India involves careful consideration of several factors. Assess your financial health, including income sta...
- 80% rule for retirement savings: How much money should you save to retire comfortably?Planning for retirement is crucial to avoid financial problems later in life. Experts recommend setting a savings goal and following some s...
- HDFC Bank home loan interest rates in March 2024Latest HDFC Bank home loan rates: Housing Development Finance Corporation (HDFC) Ltd. and HDFC Bank became a merged entity on July 1, 2023....
- RBI’s new rules may increase your EMIs, make it difficult to get home loans for someNew loan rules: Banks and finance companies in India may have to increase some home loan EMIs and restrict borrowers' loan eligibility due ...
- How much home loan can you get against salary, other income? Check calculation hereHome buying is once in a life time activity and most people now do it through a home loan. However, unless you know the right budget you ca...
- These banks have increased home loan interest rates after RBI repo rate hikeIn response to the RBI action, many banks, including Bank of Baroda, Bank of India, and Indian Overseas Bank, increased their lending inter...
- Borrowing money via digital apps? Know your rights to avoid being exploitedThe RBI digital lending guidelines will be applicable to the digital lending by banks, co-operative banks, NBFCs including housing finance ...
- The 50/30/20 rule for managing personal financesHow should your income be divided among necessities, luxuries and savings? Luckily, there's a thumb rule.
- Hopes of lower home EMIs bring good times for realtyCREDAI Indore chapter expects property registrations to remain at around Rs 80 crore in August and the trend is likely to remain firm for c...
- RBI cuts repo rate by 25 bps for 3rd time: Here's how much your EMI may fallThis is the third time in a row that the central bank has cut key rates this calendar year.
- Cash flow problems? How SMEs can benefit from Merchant Cash AdvanceFor any SME owner, one of the major apprehensions is a cash flow problem, as it may hinder their business' growth and expansion.
- Your loan EMI likely to come down as RBI cuts Repo rate by 25 bpsThis is second consecutive time the RBI has cut the repo rate in this calendar year. With the apex bank lowering rates, it is likely that b...
- Loan EMIs likely to reduce: RBI cuts repo rate by 25 bpsThis is the first time in FY2018-19 that the RBI has cut key policy rates. Earlier, apex bank has hiked the rates twice in June and August ...
- Here's how to calculate the money you will save on buying a house under Pradhan Mantri Awas YojanaUsing the loan's amortisation schedule, the NPV of the interest subsidy is first calculated at a 9% discount rate and then credited upfront...
- NBFCs say RBI's new rules will work against financial inclusion, drive towards unscrupulous moneylendersThe new rules, through which the RBI is trying to align NBFC regulations with those of banks, are also likely to dent the profitability of ...
- Check your cheque status, only those in new format will be honoured from January 1Get a new cheque book before the New Year. Here are the features of new cheques & what you need to do before the year ends.
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