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Hi, I have a home loan of (say 1 cr). Suppose 70L got disbursed and I pre-paid 30L. The current EMI is around 1 lakh. (Since on last disbursement, I asked to keep tenure constant) Hence high EMI for remaining tenure of 4 years. Now for the next disbursement, (Around 7L) I want the EMI to be...

Hi, I'm looking for suggestions for home loan basis the experience of this forum. Which one would you recommend? HDFC, Bajaj Housing, BoB are some option I've in mind. ROI might be similar across - any other pointers this community can share to take a decision Some points I have in mind 1. ROI...

Hello everyone, I’ve been using a Bank of Baroda Lite Savings Account for the past 1 year. My Aadhaar has my village address, but I currently live at my communication address, where I had opened my BOB Lite account. While opening it online, I used this current address (supported by voter ID as...

What is your home loan interrwt rate after rbi rate cut Mine Hdfc 7.45%

Hi all members of technofino, I've some doubts reg home loan if you could help with them please. Primary goal: to understand the expected current prevalent & future ROI on hdfc home loan I've been looking at technofino & reddit threads for the same topic, but even the latest thread I see is...

I already have an Axis Neo Mastercard (issued 2 months ago) and now I want to apply for a RuPay variant through the Axis website. However, the application process is asking me to complete home verification and vKYC again. There are no pre-approved offers in the Axis app, and I can’t reapply...

Hi, Everything inside home should be ideally insured There is not much info on this, on the internet. So lets discuss! Against fire, floods, earthquakes, robbery etc 1. Structure insurance (carpet area sq feet) 2. Content insurance (theft, jewerlly addon) 3. Liability insurance (accidents)...

Best debit to pay Home Loan in June 2025

So I have 1 home loan and 2 LAPs currently with Axis Bank, all linked to Repo Rates. From February 2025 to date, we have had 3 rate cuts of 0.25%, 0.25%, and 0.50% respectively However, Interest Rates on my Loans have only reduced by 0.25% as of now... Is it odd? what are the next steps?

say applicant does not have stable income and cibil is 750 and Co Applicant has stable income with cibil 800+ Will the bank still issue home loan at 7.9 interest?

Hello folks....I have upcoming milestone payment coming up for the flat which I bought last year.. it would be around 4.5 lakhs. I enquired with builder if they can accept CC as option but they denied despite being tier-1 builder. Is there any way I can do transfer from CC to bank and reap...

2 years back I purchased a construction-linked flat in Noida for which I availed a loan from Kotak Bank. In said loan, Kotak made me, my wife and my firm (an LLP) a co-borrower, Now 2 years later, I have discontinued business in the LLP and have instead shifted business to a proprietorship. I...

Hi guys, I closed my home loan in Oct-24 but noticed that CIBIL reports it open till date. So i raised a disputed and got it closed. But all of a sudden my CIBIL dropped from 792 to 783. Is there anything that i can do? how much time will it take to increase this back? Thank you

Hi, In one of the recent videos by Sumanta Da, he mentioned about paying off a part of his home loan EMI using reward points. How does one do it?

I tried to apply for the GoldX card, but not eligible. However, they offered Prime Cash. Low limit of 18k too. Since they already did the hard inquiry. I decided to build credit relationship with them to get higher loans. It might help me get approved for GoldX too, so apply for 10k. It's stuck...

Hey Community, I need Help/ Information regarding Home Loan Rate of Interest Reduction Charges Charged by ICICI Home Finance, Currently i have Ongoing Home Loan with ICICI HFC, i requested for ROI Reduction, they said I'm eligible for 0.35% ROI reduction from Current ROI, for Reduction i need...

1. Hi, How and when is the home loan interest changes for ICICI bank? RBI has decreased the repo rate twice however the loan interest has not changed yet for me for the last repo changes. 2. Does it reduce the tenure or it reduces the EMI amount?

Hi i recently applied for IDFC credit card...it was partially approved and later rejected work place non serviceable......now recently i received call saying I can get the card if u give the Bangalore address for home and office address.... doesn't matter if I leave their or not when the agent...

I have a joint home loan and even though the emi amount was auto debited as usual it was marked a delayed payment. I have reported on CIBIL. (I'm not sure if this is relevant info so here - when asked for my bank details I wasn't sure which to provide so I gave the details of the account the...

Hi Guys, I need some suggestions. My brother took an add-on credit card under my name but didn’t pay his bill on time, resulting in 27 late payments. Eventually, he settled the outstanding amount through a settlement. Later, I realized I was listed as an authorized user on that card, and now...