For the financial emergency you could borrow an instant loan from Home Credit India. You can apply for Home Credit personal loan by going to its official website or using the mobile app. With no collateral mortgage you can borrow up to INR 2 lakh from Home Credit India. The loan process is paperless and you won’t have to visit any branch, read the article and know how to apply for Home credit personal loan online.
Register for Home Credit Personal Loan First, you need to register the email address and mobile number with Home Credit India online to apply for the loan.
Eligibility for Home Credit Personal Loan To apply for the Home credit personal loan, you need to meet the following criteria otherwise, you can’t borrow the loan.
The benefits in borrowing a personal loan from Home Credit India is that you can apply for the loan even if you don’t have a credit history no other lender will provide you this benefit. Calculate EMI with Home Credit Personal Loan Before you apply for the loan, make sure you calculate the EMI amount to know how you’ll pay it later for which you can access the Home Credit Personal Loan calculator. To use the EMI tool insert the principal borrowed amount and select the tenure. With help of it you can plan the repayment and pay the EMI on time and can avoid the due charges. Documents for Home Credit Personal Loan You are required to submit a few documents for the loan approval which are as follows. ID Proof:
Address proof:
Income Proof:
What benefits do I get? If you want to travel but don’t have enough funds then using Home credit personal loan for you can bear the travel expenses. Now don’t think more and avail easy holiday loans and plan a comfortable vacation. Medical illness can be exhaustive and sound heavy to your pocket either it’s a surgery or consultation from the doctor. With the Home Credit personal loan you can get cash ready at the time of need. No one settles for less in weddings, therefore borrowing a personal loan for a wedding is the only option. So, apply for Home credit personal loan and meet all your financial problems with it, the financial institution will charge a processing fee from you which is 0%-5% of your borrowed amount.
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You can make your dining experience a lot better by using the best dining credit cards in India. These cards help you get special discount offers on selected restaurants. In order to reduce those hefty bills, there are banks which offer attractive discounts, cashbacks and deals on the credit cards that can save you a lot of money. Read the article to know about the best dining credit cards in India.
HDFC Regalia Credit Card Zomato Gold Membership for a 1 year on your HDFC Regalia Credit Card which provides you a complimentary dish whenever you visit a Gold food partner restaurant. Or you can get up to 2 complimentary drinks on your visit to Gold drinks partner restaurant. To this complimentary membership benefit you need to spend at least INR 75,000 within 3 months of your card card activation. You can experience the Good Food Trail dining program with the best dining credit cards in India at premium restaurants. To get this credit card, you need to pay an annual fee of INR 2,500+GST. And you can later renew the HDFC Regalia credit card benefits by paying a renewal fee of INR 2,500+GST. Kotak Delight Platinum Credit Card Avail up to 10% Cash-Back on dining using Kotak Delight Platinum Credit Card. Spend a minimum INR 10,000 on categories other than dining or entertainment within the statement cycle to avail the 10% cash-back on dining every month. You can use the Kotak Delight Platinum Credit Card benefits anywhere: Coffee Shops, Fast food joints, Pizza joint, Pubs, Restaurants 365 Days. For dining and movie transactions up to INR 4000 on Kotak Delight Platinum Credit Card, you can get a cash-back. The cash-back for a particular billing cycle is credited in the next billing cycle. To get this cash-back benefit you need to make transactions at the restaurants under Merchant Category Code (MCC) as defined by VISA. This best dining credit card in India can be availed at an affordable price of 1,999 joining fee. To renew the benefits pay an annual fee of INR 299+GST. Axis My Zone Credit Card Axis Bank dining delights offers you up to 20% discount on partnered restaurants on your Axis My Zone Credit Card payment. With the EMV chip credit card you can make transactions securely without any trouble. And if you spent INR 30,000 calendar quarter you are eligible to get 10,000 EDGE REWARD points. To have one of these best dining credit cards in India you need to pay INR 500, which can be waived if you spend INR 5,000 within 45 days of the credit card activation. ICICI Bank Rubyx Credit Card The finest dining experiences are provided with ICICI Bank Rubyx Credit Card. Now you can save on your dining offers with ICICI Bank Culinary Treats Programme. To avail its benefit you need to do payment with your card while settling the bill to avail the applicable discount. You can now find the nearby partnered restaurants just download the ICICI Bank Culinary Treats mobile app from Apple or Google Play store. To use its benefits you need to pay a one time joining fee of INR 3,000+GST. Credit Cards have been one of the most popular banking products among the customers. There are several banks and financial institutions that provide a wide range of credit cards to individuals. With the credit cards in their pocket, individuals can earn reward points on their spendings and cashback offers on several categories such as entertainment, shopping, dining, etc. But there is one thing that is pretty important when you are choosing a suitable credit card for you. This is known as the Credit Card Eligibility as it will decide whether you will be eligible for the credit card you want or not.
There are several factors that define your credit card eligibility and these factors tend to change from one lender to another. Some of these factors are your monthly income, employment type, employment stability, credit score, etc. Before providing you the card, a lender checks your eligibility criteria as this is the only thing that will determine your candidature. In this article, we will be telling you about all the features that affect your credit card eligibility so that you can understand it in a better way. Other than this, we will also be telling you about the credit card payment so that you can know the importance of it. So, keep reading! We are showing you all the factors affecting credit card eligibility one after another below. Have a look! Monthly Income:- When you opt for a credit card and spend with your card, you need to make the credit card payment of the bill within the due date. If you fail to make the payment within the due date, your credit score can get affected and you may also have to pay the penalty and late charges for it. So, to ensure you will pay your credit card bill on time, lenders check your monthly income strictly as you will be paying your bill from this only. So an individual with a higher monthly income will have a higher repayment capacity as compared to an individual who has a low monthly income. Apart from this, your credit limit will also depend on the monthly income of an individual. Employment Type:- Both salaried and self-employed individuals can opt for a credit card but your employment type also plays a crucial role in determining credit card eligibility. When we talk about the salaried individuals, there is a certainty about the monthly income, that’s why lenders prefer to provide the credit cards to salaried individuals as compared to self-employed individuals who can have highs and lows in their business. Existing Debts (Loan EMIs):- Your credit card eligibility can also affect if you have huge existing obligations such as EMIs of personal loan, car loan, etc. When you Let’s understand this how. When you have existing debt, a part of your monthly income must be going towards the monthly installments and you have a lesser repayment capacity as compared to an individual who has no debt to pay. That’s why lenders check if an individual has any debt and then decide if the individual is worthy to get a credit card or not. Credit Score:- Your credit card eligibility also depends on your credit score. It is a three-digit number ranging from 300 to 900 that defines your creditworthiness and repayment behavior. If you have a good credit score which is considered to be 700 or above, lenders are more likely to provide you a credit card with some amazing benefits and offers. If you are starting your financial journey and don’t have a credit score now, you must do your credit card payment on time so your score can build gradually. You can earn exciting reward points from your HDFC Money Back Credit Card and can convert it into cash. 100 points are equal to INR 20, so collect more to save more. On every INR 150 payment, you can earn a reward point and if you reach a spending limit you can get an E-voucher of the partnered brand. Read this article and know more about HDFC Money Back Credit Card offers on your payment.
When do I earn a reward on my HDFC Money Back Credit Card? Whenever you pay or buy something using your credit card whose value is INR 150 or above you can earn 2 reward points. The customer can twice the benefit on their online purchases and payment. So do the utility payment with your HDFC Money Back Credit Card, and save more from it. With effect from 15th July 2020, all the HDFC Money Back Credit Card users can earn up to 500 reward points each statement cycle on online spends, under the 2X Reward Point feature. Rewards Redemption To redeem the HDFC Money Back Credit Card reward points you can choose from MyRewards catalog and redeem the points against exciting gifts. Visit the HDFC Bank website log in to your account with your credit card number and password. If you want to convert the points into cash you are required to apply for a minimum amount of INR 500. Fee & Charges HDFC Bank provides you the HDFC Money Back Credit Card at a joining fee of INR 500+GST. With the card purchase, you are eligible for a 50 days interest-free period on your credit card spendings. And if you spend INR 50,000 in a financial year from your HDFC Money Back Credit Card the annual fee would be waived. You can also get worth INR 500 E-voucher if you have spent INR 50,000 in 6 months. Saving on Fuel The credit card not only saves on your daily payment but it also gives benefit on your fuel refilling with a 100% fuel surcharge waiver on it. Using this feature of your HDFC Money Back Credit Card, you can save up to INR 250 every statement cycle. Safety in Payment The HDFC Money Back Credit Card is secured with the EMV chip technology, and when it is lost or stolen you get zero liability on the report immediately. Apply for HDFC Money Back Credit Card You can apply for the credit card if you are salaried or self-employed and aged between 21 to 65 years. Visit the HDFC Bank website, select credit cards from the products and choose ‘HDFC Money Back Credit Card’. Fill up the credit card application form and submit it with your ID and income details. Your credit card request will be approved within 7 days, and to track its status you can use the unique reference number that is provided to you by the bank. So, get the HDFC Money Back Credit Card and solve your payment issues with it. The easy money for the customers who finds it handy to manage their spends cashless and full of rewards. Any individual who is looking to opt for a personal loan keeps a close eye on the interest rates. Do you know why? Personal Loans are considered to be an unsecured loan which means individuals opting for this type of loan don't have to pledge any kind of security against the loan amount they will get. Among the interest rates provided by leading lenders, there are so many people who opt for Fullerton India Personal Loan Interest Rates as it helps them in getting pocket-friendly EMIs.
But there is a thing about Personal Loan interest rates that due to its unsecured nature, lenders tend to have strict eligibility criteria as they have a high credit risk because of no security to fall back. So, the final personal loan rate of interest will always depend on several factors such as applicant’s age, monthly income, employment type, job history, residing city and most importantly, CIBIL score. In this article, we will be telling you how Fullerton India Personal Loan Interest rates affect your Equated Monthly Installment so that you can choose the interest rates wisely. Also, we will be telling you how to use the Fullerton India personal loan EMI calculator so that you can know the EMI amount by yourself. So, keep reading. Effect of Fullerton India Personal Loan Interest Rates on EMI amount When you opt for any personal loan, you will need to repay the loan amount with the help of Equated Monthly Installments (EMIs). This EMI amount consists of a portion of principal amount and also the interest amount. So, the interest rates you choose for your personal loan will directly affect your EMI amount. That’s why it is important to know the impact of Fullerton India Personal Loan interest rates that generally ranges from 14% to 33% per annum. You also need to remember the fact the higher your interest rates will be, the higher would be your repayment amount. So, it is important to choose lower interest rates to keep your EMI amount within your repayment capacity. Let’s understand how interest rates affect your EMI amount and also the interest outgo via an example. Suppose an individual wants to opt for a personal loan of INR 5 lakh for a period of 60 months. So, here we will take two different interest rates 14% and 18% per annum respectively so that we can see how it will affect your EMI amount. On considering the interest rate of 14% per annum, the EMI amount an individual will have to pay is 11,634 and the interest outgo will be INR 1,98,048 While when we take the interest rate of 18% per annum, the EMI amount will be INR 12,697 and the interest outgo will be INR 2,61,803. So, it is perfectly clear that by choosing a lower Fullerton India Personal Loan interest Rates of 14% per annum, you can save upto INR 1,000 per month while you can save the interest amount of INR 60,000 around. You must be wondering how can you do all these calculations? Well, you only need to use the Fullerton India Personal Loan EMI Calculator with which you can easily get the results. You just need to fill in a few basic details. These details are the Required Loan Amount, Fullerton India Personal Loan Interest Rates, and Required tenure. As soon as you will feed all these details into the tool you will get the EMI amount, Interest Outgo and Total Amount payable during the tenure. Apart from this, you can also check the Amortization table with which you can know your outstanding principal amount at different points in your loan tenure so that you can manage your finances accordingly. You can visit the credit bureau Experian and check your credit report for free. For this you need to create an online Experian account which involves 3 steps information, verification and approval. Once your account is created, you can access your credit report. Using the report you can find your credit score and information about your credit history which includes your credit card, loans, identity information and recent credit enquiries. Read the article and know about the Experian credit report.
What are the benefits of Experian Credit Report? Using the information of your credit report your lender decides the loan eligibility and interest rate. And to maintain it, you need to do the following.
Contact Experian For any query related to your Experian credit report please contact the credit bureau using the toll-free number 1 800 831 5614. And the customer service is available to you from 7:00 am to 7:00 pm Monday to Friday. Experian sends your credit report to your registered email address via electronically scrambling your information using a secure socket layer (SSL) encryption which secures your information from any fraudulent usage. For what Experian can help you with? The credit bureau can help you with your queries related to the following.
A marriage is the most exciting and memorable phase in one’s life. Most of you want a wedding which is lavish and extravagant. While in today's era, weddings are quite expensive. So, to plan a nice destination wedding borrow funds from ICICI Bank. A wedding loan is a good option to pay for your wedding expenses without any burden on your pocket. Read this article below to know what are the ICICI personal loan advantages.
Features and Benefits of Marriage Loan Applying for a loan has its own advantages. For wedding financing out of your income, you can apply for an ICICI personal loan which has the following benefits for you.
Why Should You Take an ICICI Personal Loan? A loan to pay for a wedding is common nowadays and helps you meet your financial expectations in a short period. Indian weddings are a hefty and expensive affair which is not easy for parents of the bride and groom to manage. There are various functions, programs, etc. in an Indian wedding which demands money. Outfits, venues, decorations, food, gifts and countless other things are listed on the wedding list which can make your budget over the limit. Often, people fall short of funds and need loans for wedding. Taking an online personal loan is easy at ICICI Bank as you just have to enter the details and submit it with your valid income and ID proof.An ICICI personal loan will help you with immediate funds so that shortage of funds will not become a reason for delay in wedding. Fees and Charges of Marriage Loan Before applying for a loan you should know about the fees ICICI Bank charges for it. Along with interest rates there are certain charges that are levied on your ICICI personal loans. These are.
Current Interest Rates on ICICI Personal Loan Weddings are an important milestone in your life. To make it a special day for yourself, borrow ICICI personal loan at an attractive interest rate of 11.25%-22.00% per annum. Having a plethora of credit card options must have confused you and you do not know which one to select. Don’t worry, Citibank credit cards have a wide range and you can choose the card as per your need. Here are some of the basic things you will need to consider to choose a credit card. Read this article and know about them.
The 3 Aspects which helps you choose a credit card Your Monthly Expenditure:- On what you spend? How much do you spend? Are the first question which helps in deciding your credit card. If you spend more on travel then you need a travel card, and if you are addicted to shopping then you should choose a reward credit card which saves on your purchases. Interest rates:- You can choose the Citibank credit card as it offers an attractive interest rate over your used limit. And customers can also convert high purchases into EMI by which they can pay the credit card bill on installments. Annual and renewal charges:- Always check the annual and renewal fee of your credit card to make sure it comes in handy and can be paid every year without any hassle. Because a high annual fee can put you in doubt whether the card is affordable to you or not which may not happen in case of Citibank credit cards. Types of Citibank Credit Card Travel cards:- Do you travel often? Then choose credit cards that are specially designed to help travellers which come with discounts in flying hotels and airport lounges. And not only this you’ll also earn air miles on your spending which can be used later. One such card is the Citi PremierMiles credit card that offers you a welcome gift of 10,000 air miles. The joining or annual fee is charged for this Citibank credit card at the time of sourcing. And on card renewal you can get up to 3,00 bonus miles. The air miles come with no expiry and can be used anytime. For every INR 100 spend on store or online e-commerce sites you’ll earn 4 miles. Citibank charges Foreign currency fee on your international transactions which is 3.5%, and for the late payment of your credit card bills the charges would be INR 100 if your statement balance is above INR 1,000. Shopping cards:- There are 2 types of shopping cards one is with cashback and other with reward features. If you need a credit card for your daily expenses then use Citibank Rewards Credit Card which provides reward benefits on every single purchase. And the points you earn will be evergreen as they don’t expire and can be claimed against top brands discount vouchers, etc. For every INR 125 purchase you can earn a minimum of 1 reward point. Earn up 10X reward points at your online, physical department, or apparel stores purchase. Also a bonus reward point of 300 will be credited when you shop more than INR 30,000 a month. Fuel cards:- Some fuel cards are also there for you by which you can save on the fuel refilling to control your monthly budget. As per the hike in petrol or diesel it will become difficult for you to manage their spends. Don’t worry with the Citibank Indian Oil Credit Card you can save on your fuel spends. 1 Turbo point on INR 150 or above spent at Indian Oil outlets. And the points can be earned for everyday purchases as well like 2 Turbo points for groceries and departmental store purchases and 1 Turbo point for others. 1 Turbo point is equivalent to INR 1 and if you make your first purchase within 30 days of the card activation then you are eligible to get 250 Bonus Turbo points. Card holders can save a maximum of 71 litres fuel purchase using their Citibank credit card. So, choose your credit card as per your need from Citibank. Having a credit card in today’s age is no big thing as there are so many banks and financial institutions that provide a range of amazing credit cards. However, having an American Express Credit Card in your pocket is considered to be an amazing thing. Why? Because of the amazing privileges, this card provides to customers, that too, across categories such as Shopping, Dining, Travel, Entertainment and more. American Express provides a whole range of credit cards from which you can choose the most suitable one for you according to your spending habits and convenience.
The most special thing about an American Express Credit Card is it adds value to your credit card investment by giving you some amazing lifestyle benefits. Some of them are dining, retail offers, wellness (Spa). There will be some offers which will be tailor-made only for you. In this article, we will be telling you about the American Express SmartEarn Credit Card that provides you some excellent offers on categories like Travel, Online Shopping, Entertainment, etc. So, if you are someone who is looking to opt for a credit card and want to know why an American Express Credit Card is so popular among the customers. Keep reading to know more! Highlights of the American Express SmartEarn Credit Card Here are some of the amazing features and benefits that you can avail by American Express Credit card. Have a look at them below. Welcome Benefits As soon as you get an AMEX credit card in your hands, you will be eligible to get the cashback worth INR 500 as the welcome gift. But to get this, you will need to do one thing - you will have to spend INR 10,000 within 90 days of the date you got your credit card. Accelerated Reward Points
Joining and Annual Fees To get this American Express Credit Card, you will need to pay INR 495 plus applicable GST Charges as the joining fee and this will be charged every year after the first year as the renewal fee. If you want to waive off your renewal fee, you will only need to spend INR 40,000 or more in a year with your credit card. What is the Eligibility to Get American Express SmartEarn Credit Card? There are a few conditions that you need to meet if you want to have an American Express Credit Card in your pocket. All of them are mentioned below.
Axis Bank is one of the leading private banks of India that helps individuals in availing of the desired loan amount at affordable interest rates for a fixed tenure. This facility is known as the Personal Loan. The important thing is that individuals don’t have to pledge any kind of security to get the desired loan amount. And that’s why it is very important to choose the Axis Bank Personal Loan Interest Rates very carefully as this is the main factor that will define your repayment amount.
In this article, we will be telling you about how do interest rates affect your repayment amount and what are those factors that you must look at while choosing the interest rates for your Axis Bank personal loan. When opting for a personal loan, every individual wants to have as low-interest rates as possible on their loan facility so that they can repay the loan amount easily. Higher interest rates mean you will have to pay a higher EMI amount and vice versa. Affordable Axis Bank personal loan interest rates help you in keeping your EMI amount within your repayment capacity. Keep reading to know more! Factors that affect your Axis Bank Personal Loan Interest Rates There are so many factors that decide your Axis Bank Personal Loan Interest Rates. As this is an unsecured loan means you don’t have to pledge any kind of security or collateral against the loan amount. Because of this, lenders face a much higher credit risk. To minimize this risk, lenders check a few factors to decide your personal loan interest rates. These factors are your age, monthly income, employment type, job history, job reputation, resident city, and most importantly, your credit score. Axis Bank will check these factors one by one and then, decide your personal loan interest rates. Like, individual A has a higher monthly income than individual B. So, automatically A has a much higher repayment capacity than B, and hence, A could get a higher personal loan amount than B at lower interest rates. But this is not the only factor that will determine your personal loan interest rates. Among all the factors, your credit score holds the most importance as it tells everything about the repayment history of an individual. People with a high credit score are more likely to get lower Axis Bank Personal Loan interest rates ranging from 15.50% to 24% per annum. Impact of Axis Bank Personal Loan Interest Rates on your EMI Amount When you opt for a personal loan, you need to repay the loan amount within a fixed tenure via Equated Monthly Installments (EMIs). This EMI amount is generally made up of a portion of principal amount and interest amount. So, the higher the interest rates, the higher would be the EMI amount. This is the reason people always look for lower interest rates. Let’s understand this through an example. Suppose an individual wants to opt for a loan amount of INR 5 lakh for a period of 4 years. Here we are taking two different Personal Loan Interest Rates (16% and 20% per annum) to understand the impact on EMI amount. On taking the interest rates of 16% per annum, the EMI amount would be INR 14,170 and interest outgo will be INR 1,80,167. Whereas on taking the interest rates of 20% per annum, the EMI amount would be INR 15,215, and interest outgo will be INR 2,30,329. So, you can clearly see the difference of INR 1,045 in both the EMI amounts on choosing the higher interest rates. That’s how your personal loan interest rates affect your EMI amount. This calculation can be done by the Axis Bank Personal Loan EMI Calculator. |
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Anika Sharma
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