BROWSE PERSONAL LOANS ADVICE: |
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mortgage my property for a loan |
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I need remortgage loan. My property is located in chennai mannady area.It is a housing complex,value worth 4crs.I mortgaged it in a fund house for an amount of 35lacs.I need loan for this purpose.Thanks
(Rated by 1 Council Members)
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Anant Bansode,
Council Member
Ammas.com
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You can avail loan against Property (LAP) by mortgaging it to bank. But if the property is already mortgaged, you need to to offer takeover of the loan. The new bank will pay the loan directly to the
... Full advice ...
(Rated by 2 Council Members)
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KG Anand,
Council Member
Ammas.com
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You have to approach a Bank(Public Sector or Private Sector) or NBFC (Non Banking Financial Company) to avail of the loan after discussing with them the details of property, its current market value,
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(Rated by 3 Council Members)
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Refinance of personal loan |
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I have a personal loan in the amount of Rs. 500000.00/- from HDFC bank. Been making payments on it since 1.5 years. Never late. The interest rate is quite high. Is it possible to refinance this at lower interest rate from other banks...if so what is the procedure.
(Rated by 4 Council Members)
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praveen sri,
Council Member
Ammas.com
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hi You have not mentioned the interest rate of your personal loan, I know the rates of personal loan are too high but for reliable & precise advice I require the exact rate of interest.
Anyhow, si
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(Rated by 2 Council Members)
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vineet agarwal,
Council Member
Ammas.com
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HI ,
YOUR QUERY INDICATES THAT YOU ARE MAKING INTEREST PAYMENTS AT HIGH RATES FOR LAST 18 MONTHS WHICH IS THE MAIN REASON FOR YOU BEING LOOKING FOR REFINANCE FROM ANOTHER BANK.
YOU CAN GO FOR CH
... Full advice ...
(Rated by 3 Council Members)
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KG Anand,
Council Member
Ammas.com
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Since you have a loan of Rs500000 at higher rate from HDFC Bank taken about 1-1/2 years back, at that time the interest rates in other Banks might also have been almost similar and you might have chos
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(Rated by 1 Council Members)
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Kranthi Kumar,
Council Member
Ammas.com
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Hi Anonymous,
You have taken Personal Loan 1.5 yrs back, that is the Recession period, so normally the interest rates for personal loans were comparitively higher than that of current rates.
In
... Full advice ...
(Rated by 3 Council Members)
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sambasivan s,
Council Member
Ammas.com
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Hello
You have posted the query from USA. U have borrowed from HDFC Bank probably when u were in India.
Interest rates for personal loans is always higher and it is more or less same in all t
... Full advice ...
(Rated by 2 Council Members)
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My Advice,
Council Member
Ammas.com
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hi,
There is a doubt from me, what is the interest rate ? How many times till now did you pay ?
I think for Rs.500000 you have paid too much interest for them, i am giving a suggestion
... Full advice ...
(Rated by 2 Council Members)
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jeshma mohandas,
Council Member
Ammas.com
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Apply here for unsecured loans, debt consolidation, and home mortgages. ... Don't let the bank take your home away. Take the first steps to stop foreclosure ... www.directlendingsolutions.com take a
... Full advice ...
(Rated by 3 Council Members)
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| Subject: | |
credit debt recovery |
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This question has come from a cell phone. Here is the question: This is a question about debt in the US. If someone had somewhere between $6,000-15,000 in debt including credit card debts and she became very ill and basically fell off the grid for something like seven years, what happens to those debts, if anything. Is her credit ruined forever? Is the credit slate wiped clean after a certain amount of time? All these debts were with collection at some point but this person ended up leaving the country to be cared for by relatives. No money was made during this time. She still needs to file some backtaxes for the last three years but her income has been nearly nothing. She would like to move back to the USA if her health eventually permits it but she has no idea what kind of financial mess she will be returning too. Should she hire a lawyer? Is there any kind of forgiveness arrangements available for people who are disabled and in old debt? She can provide medical documentation for everything. Is it nothing too much for her to be worried about? Could she be in any kind of legal trouble and if so how can she find out without bringing old creditors down on her while she is still ill? Any assistance in the matter would be much appreciated.
(Rated by 8 Council Members)
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Aleph One,
Council Member
Ammas.com
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Hello there, I will answer your questions in the order you've asked: 1. What happens to her debts? Well, unfortunately, they do not disappear. A creditor is always reserved the rig
... Full advice ...
(Rated by 6 Council Members)
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B Sreekanth Reddy,
Council Member
Ammas.com
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Hello dear... all those debts stay where they are and grow to US$ 10282, with just an interest amount US$ 4282 (If debt was US$ 6000) or to US$ 25707, with interest of US$ 107076 (for US$ 15000) for a
... Full advice ...
(Rated by 3 Council Members)
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Pankaj R Badlani ,
Council Member
Ammas.com
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I won't repeat many of the points already made by some of the previous responses.
One perspective I'd like to add is that one option to consider for her would be to consider filing bankruptcy if
... Full advice ...
(Rated by 3 Council Members)
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praveen sri,
Council Member
Ammas.com
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By credit you mean debts, and it’s true that after 7 years your bad credits go away for the most part. However, it depends. Some negative information can stay on your report for up to 15 years. Here'
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(Rated by 2 Council Members)
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nagesh n2,
Council Member
Ask Agent
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Under the debt management law, consumer debt counseling and debt management services are provided by a debt management company. The company negotiates between the consumer and the creditor to reach a
... Full advice ...
(Rated by 6 Council Members)
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jeshma mohandas,
Council Member
Ammas.com
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the credit card holder must pay the debts inspite of illness too.if she dont have money to pay. they will file a suit and recover it from her or from her assessts. she can hire an advocate to represen
... Full advice ...
(Rated by 3 Council Members)
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Rithwik K,
Registered Member
Ammas.com
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Yes thats good
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(Rated by 1 Council Members)
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| Subject: | |
finance - URGENT |
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my husband is a government employee. his monthly income is around 20,000. we want to buy a plot of 12 lacs. can we get loan on PF, or should we withdraw his PF. how much loan we can get and interest rate. what is the procedure and from which bank should we apply for the loan. ITS URGENT
(Rated by 5 Council Members)
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kiran kumar,
Council Member
Ask Agent
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if u want money urgently means contact private banks like ICICI... but intrest rate will be high and also if u contact govt banks u will get in less intrest.. i think u need not withdrawl ur pf amou
... Full advice ...
(Rated by 1 Council Members)
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| Subject: | |
how do i log a complaint against hdfc bank |
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Hi I have a personal loan running in Hdfc Bank. The amount due is 40k without the interest. I have told them that i can only pay 10k to close this loan. But they are calling my parents and harassing them everyday. I am unemployed but i still agreed to pay 10k but they are not accepting it. I can only pay 10k not a single penny more than that. They keep calling me and my parents and keep harrasing me alot. My father is a heart patient and cannot take this anymore. I fear that nothing happens to him because of the bank people calling him everyday and threatening him. Please help me.
(Rated by 5 Council Members)
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sambasivan s,
Council Member
Ammas.com
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Hallo ! You owe to the bank Rs. 40000 apart from interest. But u want the Bank to accept only Rs.10000 in full settlement. Normally Banks will not agree for this because the amount the Bank has to w
... Full advice ...
(Rated by 3 Council Members)
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Lathaa Manavalan,
Council Member
Ask Agent
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What is the Banking Ombudsman Scheme?
The Banking Ombudsman Scheme enables an expeditious and inexpensive forum to bank customers for resolution of complaints relating to certain services rendered
... Full advice ...
(Rated by 1 Council Members)
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Winnie The Pooh,
Council Member
Ammas.com
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Dear Catherine,
First of all you don't have any right to lodge a complaint against bank.You have taken a loan of RS.40000/- and telling that you want to pay only Rs.10000/-.Do you think that bank i
... Full advice ...
(Rated by 3 Council Members)
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