Finance

The credit card market is booming. Owing to the potential of this segment, many banks and NBFCs have started to offer unique and customized credit cards. If you are low on cash or are facing any temporary financial hassle, credit cards have your back.  There are many variants of credit cards that are on offer. You must find the one that is best suited to your needs. If you have canceled your card and want to apply for the same card again, don’t lose heart. Although credit card applications are simple and easy, the below tips will help you reapply for the credit card you’ve had. ●      Reason for the Cancellation You need to understand the reason for the cancellation of the credit card application. Why did you cancel it? Was it because of the customer se...

An unexpected crisis, a sudden emergency can come anytime, and you need to be prepared financially. But what if you have not arranged for extra money and now you have nowhere to turn to? In a tough spot like this, an instant personal loan can be your savior, provided by reliable and customer-friendly companies like Fullerton India.  This non-banking finance company (NBFC) offers convenient personal loan plans to government employees with attractive features and flexible repayment plans. You will never have to worry about managing a financial crisis even if you cannot keep anything aside for collateral, as there are plenty of plans to choose from. You can process your application digitally and get a loan amount up to Rs. 25 lakhs without having to run to and fro the office. So, here's ho...

Individuals may face emergencies like a medical exigency and might look for financial assistance at a short notice. At such times, it is feasible to opt for a short-term loan to cover the financing short-comings.  There are two easy-to-avail short-term credit options that one can avail of – personal loans and gold loans. Borrowers should consider the features and benefits of gold loan vs personal loans before applying for any one of them. Gold loan Most Indian households have access to a certain amount of gold. As a result, it is easier for them to opt for a loan by pledging their gold ornaments during a financial emergency. Apart from ease of access, there are other advantages of gold loan too such as -  ●      Low-interest rates – Gol...

The dream of living in your own house is always pricier than any other dream. However, arranging funds to purchase a home can be challenging, especially when you have got retired. A housing loan can ease your challenge by providing you with the money required to purchase or construct a house. However, if the data provided by home loan eligibility calculators is any indication, the higher you get towards 70, which is the maximum age limit for loan repayment, the more difficult the chances of loan approval become. But, if you are incredibly serious about your housing dreams, nothing can stop you from achieving your goals. Read on to discover the top-4 things you can do to increase the chances of housing loan approval. However, before we move any further, you should know that...

If you are looking to get some amount to fund the needs for higher education, then you can go for an easy solution. You can apply for an instant personal loan for students by leading lenders.  Based on your personal loan eligibility, you can get an amount up to as high as up to Rs.25 lakh.  If you want to know how to avail yourself of the instant personal loan for students and why to apply for it, then here is a quick post. Read on! How to avail the instant personal loan for students online? You can follow the below steps to start availing of the higher education loan online. Take a look:  Land on the website of the lender that you are willing to apply for the higher education loan. Enter your personal, financial, and employment details on the onlin...

How can you differentiate between a mortgage broker and a banker? A banker is a direct lender who takes care of the loan at the bank. However, the job of a banker is to assemble all the financial information of the loan applicant and advise them on the best options.  On the other hand, a mortgage broker is a middle person between the lender and the borrower suggesting you the options that suit your financial needs and requirements. However, a broker works with more than one lending institution. Here we are going to discuss some more differences between a Richmond hill mortgage broker and a banker.  1.Employment factor  A mortgage broker is a middle person between the lender and the borrower who do all the paperwork and provide the best options. However, a mortgage bro...