Why Is Car Insurance A Must In India? @ Letzbank. Mr.
Sharma bought his Honda city in 2013 and was really fond of it. He took good care of the car as well. Every year in March he would pay the insurance on time however, this year some “important” work made him forget all about the insurance. In May, car met with an accident and was severely damaged. The workshop charged him a neat 2.5 lakhs for repairs and alas he had to foot the entire bill from his pocket. Though the above narrative is a story but you would be surprised how many people actually go through a horrendous time just like Mr. Third party Insurance: In this type of Insurance, you and your vehicle are not covered but cases where you are liable to any third party for damages concerning vehicles would be encompassed. Comprehensive Insurance: As the name suggests, this type of Insurance covers you, your vehicle and third party damages for which you are liable as well. Different kinds of policies are suitable for different types of requirements and expectations.
Required by law. Debunking The Top 6 Home Loan Myths. With a thriving Real Estate sector, home loans have shown an increase of over 19% from 2015 to 2016.
Home loans have been proving to be a safe bet even for lenders as defaults and NPAs are the least in this type of loan. For a common man in India residing in an urban area, home loan seems to be the best and only way of acquiring that dream home, well in time. The tax benefits that come along with home loans also make them really attractive. However, there are certain myths associated with Home loans that every borrower should know about before he/she avails the home loan. 1. Most of us jump on the opportunity of availing a loan which is a few points cheaper than the next. 2. Most of the big builders usually get their property vouched and examined to gain an approved financier who gives preferential terms and conditions to anyone who intends to buy a home in that particular property. 3. 4.
Quick Personal Loans – With less documentation hassle. Crisis is always uninvited – so what to do when an emergency strikes and you have no money.
Yes you can always borrow a personal loan. Commonly spread rumour about personal loans is that they are not easy to get, come with a high rate of interest and even higher EMIs. Burst the myths about personal loans with this article that explains how personal loan are go getter loan and available readily whenever you need them: Personal loans are the most conveniently availed loans: Where to invest with cut in Repo Rates? The cut in Repo Rates is good for borrowers of the loans however it may lay an adverse impact on your Security Deposits – learn where to invest with the current cut in Repo Rates As we all know about the announcement made by the new RBI governor to implement cut in repo rates by 25bps in the month of April, owing to which the current repo rate stands at 6.25%.
The rate at which the Reserve bank of India lends to borrower banks is call the “Repo Rate”. The current Repo Rate is the lowest in the past 6 years, which is likely to lower down further by the end of this year. Credit Score vs Credit Remarks: Which Matters More? Letzbank. For any person who is contemplating raising a loan for the next car, home or business expansion, Credit score really matters.
In fact most of us never look beyond a great credit score from Experian. After all, a score upward of 700 or 750 has to get the Loan. But unfortunately that is not the case and there is one more elephant that you may encounter while getting your loan approved based on credit reports and that is- credit remark. A simple one line from your creditors that can mar your chances of availing a loan quite easily. Rules to manage your finances while Living with Parents and Children. In today’s world where managing monthly expenses for a nuclear family is at times a challenge, managing your expenses when you have dependents is tougher.
Whether you have your senior aged parents as dependents or young children, here are some rules to follow to ensure a smooth sailing every month without getting into a downward spiral. 1. Determine your monthly budget and expense Depending on your monthly income and expenses set up a budget and stick to it. Benefits of borrowing small Personal Loans @ Letzbank. Borrow personal loan - for all your small to big needs.
Learn about why to borrow personal loans to meet small needs. Why think of just a big fat wedding or a big occasion to borrow a loan, when most of the time it is small expenditures when clubbed together becomes a big amount. The point to be noted is that the little expenditures you enjoyed because of your credit card might be the reason why you have not been able to save enough for an emergency. Tips to save dollars while studying in abroad. Most of the students studying abroad borrow loans in India and have to repay the loan as soon as they graduate or atleast bear the interest amount till the time you are graduated.
Not all of us have requisite resources to pay back the education loan that one has borrowed in India; however it becomes important for us to save some money while we are still in abroad. 1.Take up a part time job – taking up a part time job will help you meet your day to day expenditure. Initially when you reach your institution you may not be allowed to work outside the premises for atleast 6 months. In such cases look for job opportunities within the school or universities where you will be able to make enough to make up for your day to day expenditure.
5 ways to know to manage your finances for a life through Letzbank. Quick tips of getting home loan approved at Letzbank. Want to buy your dream house but don’t have the savings?
No worries at all because the banks are ready to help you get the home you love by offering you a Home Loan. This everyone knows that the banks are the biggest help but if you’re afraid listening to the rejection stories from the people who applied for the loan thinking it will happen to you too, then you have reached the right place, cause we are sharing you tips that will help you get your home loan approved.
Tips: 1) Clear your credit score – This is the number one thing to take care of because applying for not just the home loan but any kind of loans. If you have thought that the owed debts are at a different bank, organizations, etc. then that is not the case. Never turn down a Travel Offer – with Travel Loans@ Letzbank. Vacations always call for a family outing, and there is nothing like taking time off with your family and friends especially during the festive season.
All travel websites – Makemytrip, Cleartrip, Irctc, Yatra do their job well and come up with exciting offers on travel packages which are really too hard to just let go. Travels planned during vacations can be challenging for most of us since everyone is trying to travel with family to catch up with relatives and dear ones and the air fares are on the higher sides we are there to assist. Know 5 Things that help to reach your financial goals. Everybody in this world has a goal to be financial settled. With the growing standards of living, there is of course a rise in the expenses, which leaves us just dreaming about a life where you don’t think twice before expending. To reach that goal there are so many different methods and action plans that is followed by everyone. Get to know Tips to save money on a tight budget at Letzbank.
Is your money running away leaving you cashless? Here are certain tips that would help you save money on a tight budget! I am sure that there are many who would run cashless, especially while heading towards the month end. For most of us you just get to see your five figured fat salary when our salary gets credited in our account and as the month end comes we are left to wonder where all the money has gone. Running short of money is something that can happen to anyone anywhere, therefore planning comes into picture.
Getting acquainted with your incoming and outgoing finances is always good to keep a track and thereby control the cash flow from your account. 1.Make a note of your expenses by creating a monthly budget: Calculating your finances will always help you know and track down all the expenditures you need to make in the coming month. Budgeting Ideas for Self-Employed. Setting on a Self-Employed venture? Learning some budgeting ideas would help you plan your budget well enough for a prosperous business. 1. How to save tax if you are a Non Resident Indian @ Letzbank. NRI’s do have tough job specially while dealing with paying taxes and maintaining finances in India while sitting in abroad.
You have to ensure that you are you are doing the right thing in India while sitting in abroad. You being an NRI will make all the difference in the rule and regulation you have to abide by in India as there are different set of rules for NRIs. And if you lack information on the latest information on the tax rules and return filing in India you are definitely in a trouble. All you need to do is to make a wise decision while making such financial decisions and plan them well too. Everything to know about two-wheeler loans @ Letzbank. Riding your favourite bike would have never been this easier, with Two-wheeler loans offered by Letzbank. This article is intended to highlight features of Two-wheeler loans so that you get to know everything you need to know about two wheeler loans in India.
Looking for loans is not just enough first you need to see which is the bike you want to purchase and then go ahead and see which bank would offer you an interesting deal on two-wheeler loans. So, instead of looking for two-wheeler loans from bank to bank look for two-wheeler loans available on Letzbank website which will give you a fair idea of which bank is offering you what deal. Here is all information you would want to know about two-wheeler loans: • Loan Amount: You can avail two-wheeler loans upto Rupees 1,50,000/- from our partner banks to buy the two-wheeler of your choice. • Rate of Interest: Rate of Interest applicable on this loan type is approximately 11% to 27% p.a. Why online banking is your “Friend with benefit” at letzbank.
Life has indeed been made easier with online banking, which was not so prevalent some years back. Personal Loan Balance transfer- factors to remember. 6 Ways to verify your Returns. The digitization of Income tax returns started quite a while back when Income Tax department allowed online return filing. However, to complete the process of filing return, one had to send duly signed physical printout of the return filed to Central processing unit based in Bangalore.
There were quite a few of us who would simply forget to do this and others who would not find time to speed post the physical form until it was too late. Then Income tax department introduced digital signatures. Details of Home loan closure Procedure. Buying a home is everyone’s ultimate dream for which everyone works hard and ties a knot with a bank for a long term, pays EMI with an aim to finally own a home of your own. However, some choose to make a pre-payment and get rid of long term commitment. However, when do not do the fore-closure formalities appropriately; you can ruin your happiness instead, therefore read things that one must do while considering a home loan fore-closure. Say a big no to your car loan rejection. There are so many types of cars in the market that everyone wants to own their own car whether it is a budget car, sports car, family car or even an excursion car. There is a knot between the car loan dealer and the banks now days to offer you a lucrative deal the moment you make up your mind to buy a car.
The dealers are ready with the latest car models and the banks and NFBC’s are readily available to offer you a car loan. Learn ways that already proven to make up for your poor credit score. Sometimes we only bother about our credit score when we face a loan rejection. Top 5 sectors for Investment opportunities in India. Indian economy has one of the highest growth rates in the world with GDP of 7.3% in 2015 which is expected to go up to 7.9% in 2016-17. Various reforms in Real estate, textile, electricity discoms and GST are going to be the driving forces behind economic growth in this financial year. Such positive outlook is also bringing more opportunities for Investment in India.
Know about Taxes on your Commercial Property at Letzbank. Get Best Business Loan Offers from different banks. Lacking funds for business expansion? Know about Taxes applicable on Residential Property Letzbank. Buying a house of your own is one of the most fulfilling needs of any family. However, it is a major investment that also means greater civic responsibilities. When you buy a house, you are liable to pay taxes on that house according to the Indian Income Tax act, known as the Property Tax. What is a Property Tax? 7 Mistakes to avoid while using Internet banking. Fill It returns online by knowing step by step process.
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