Same car, same bank. But still many people end up paying ₹1–2 lakh more on their car loan. The understanding you need is not just of EMI, but of your loan process—what charges are there, what fees are there, and what the tenure is. So let’s understand how the exact process works. We will learn […]
What is mortgage? So before we understand the types of mortgage, let us understand what is mortgage. This is clearly defined under the Transfer of Property Act 1882. Section 58 defines mortgage, mortgagor, mortgagee, mortgage money and mortgage-deed. Now before we come to the exact definition, let us first understand the concept of mortgage. What […]
SBI Car Loan 2026 In the last 8 months, RBI has reduced the repo rate by less than 1%. This means that all banks should have also reduced the interest rates on their car loans. About 1 year ago, banks like SBI, PNB, and HDFC were offering car loans at around 9% interest. But recently, […]
We will see how we can apply for a personal loan from Bajaj while sitting at home. Okay, but first, the most important things are: what interest rate Bajaj Finance Personal Loan charges, how much processing fee it charges, and one of the most important things is that when Bajaj gives a personal loan, they […]
Improve CIBIL score after default People who have taken a loan are very well aware of the CIBIL score. If someone has ever defaulted on a loan, then a default status appears in their CIBIL report, and the CIBIL score drops very badly. After that, it becomes very difficult for them to get a loan. […]
Home Loan and Disbursement Process Let’s assume you have taken a home loan of ₹ lakh for 20 years. Your home loan has been approved at an interest rate of 11. Now, the bank, on the day of disbursement. What disbursement means is that in the bank’s system your home loan is approved, processed, and […]
How will you improve your CIBIL score after loan settlement? There are some people among us who have got their first job in life and they also get a good salary there. After some time, they easily get a credit card and also get a personal loan. But they use the credit card too much. […]
Even after closing a loan, sometimes an active loan still appears in the CIBIL report. This creates the biggest problem for people who have already paid off their loan. In some cases, the loan may still show an overdue status. Even after Loan Closed, the written-off status may remain or it may still show overdue. […]
In your civil report, a guarantor loan is showing and that loan is also in default. Because of this, you are not getting a loan further. Being a civil rectification agency, we have received such calls many times. People say that sir, a guarantor loan is showing in my civil report. The loan was not […]
You have taken a loan and your EMI is failing, so what problems can happen? You might say that you have missed your EMI. In that case, the bank will tell you that penal charges will be applied, and if the EMI bounces, the bank also charges bounce charges. But apart from this, your CIBIL […]
