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Neeta and Harish were buying a new home and like any diligent buyers, they took a lot of efforts to ensure they were doing everything right. After getting all checks for above list, they thought they were all set for their home. But they had not figured in about the charges every home loan applicant needed to pay and be aware of.

With credit and debit cards access to a person’s account has become very easy and the ability to buy things they want has also increased. Adding to this is the coming of online vendors or market places like Flipkart and Amazon who provide a lot of offers to customers who pay using credit cards and debit cards. 

You can get your credit score directly from these bureaus or you can get your credit score from companies who have tie-ups with the credit bureaus and provide you your credit score instantly. The RBI has stipulated that all the credit bureaus need to provide 1 credit report for every individual for free each year.

A credit card created for the specific purpose of business and not for personal spends is called a business credit card. A business credit card comes in handy for all types of business transactions and in every transaction the card holder and by extension the card holder is held responsible.

A credit card is a tool that helps the user to make purchases and pay for them later. Yes, of course, it is easy and convenient. But can some start a small business with a credit card? Though there are credit cards for business purposes just like there are credit cards for personal usage, completely relying on a credit card to start a small business may not sound feasible. However, let us explore the options of using a credit card for financing a small business.  

With the emergence of internet and all banks and NBFCs going digital the customers are now in a position to compare different lenders and choose the lender they want. The lenders have also provided their eligibility criteria online to make sure customers do not waste time. This way borrowers can concentrate only on the banks they are eligible for. One important factor that borrowers look for when comparing banks is the loan amount they are eligible and the interest rate.

Buying a home is very difficult with the current market rates in most cities being very high. One will consider him/herself lucky if they are able to get a home that they like and are able to pay for the home. But there are a few who make their own luck by buying a piece of land and constructing a house the way they want it to look with all the amenities they desire.

Many of us might want to make changes in our home in the form of enlarging their bedroom, carpentry work, new coat of paint or just get new furniture for the home. Most renovations will happen close to a family function when we expect a lot of guests or when the home is in a bad shape and renovations are a must. Many of the renovation activities are costly and discourage us from improving our homes. It is for this reason that people will take loans in the form of a home renovation loan or personal loan.

Repayment is defined as the act of paying back previously borrowed money in the form of loans which could be personal loans, home loans or education loans. The repayment includes both the principle and interest, the result of not repaying after a point of time will result in the borrower falling into bad debt and being called a delinquent.

It is quite handy and beneficial with the purchase of equipment for your business, hotel booking, flight booking, complimentary lounge access at domestic and international airports, fuel surcharge waiver and an insurance cover. While there are host of reasons to pick up a business credit card if you are running even a micro business, it is important to be informed about the rewards that come along with the card for reaping the benefits in full. Explore here what are the rewards you can avail on using a business credit card.

The self-employed do not have it so easy. But many banks these days offer credit cards against a fixed deposit.  The credit limit is often the same or little lesser than the fixed deposit.  You could also opt for a prepaid credit card. When you repay the outstanding against these cards, the same is reflected on your credit history and the result is increasing credit score.

A top-up loan should not be taken just because it is simply available. It becomes fruitful only when you have the requirement for finance. Because top-up personal loan could be costly, and you might end up paying additional interest on the repayment.

Though most builders or sellers will give you time to arrange for a home loan or any other way to pay the money in full, they will look for that commitment from the buyer. This down payment will not be a small amount which is to make sure the buyer commits to the deal.

E-commerce has grown leaps and bounds in India where people across the country have taken a liking to ordering online and getting it delivered to their home within just a day.

we know you are excited to try out your hand in the stock market. As the last part of our series here are 10 golden rules you need to remember while trading

Debt Mutual fund is a financial instrument to invest in fixed income securities, treasury bills, Government and corporate bonds, Money market etc. These funds can be open ended or closed type and the returns comprise interest income and capital appreciation or depreciation in case the market conditions are unstable.

Whenever anyone talks about shares , what they are really talking about is common stocks. These are the basic stock that is available in the market providing equity to the buyer granting ownership in a company and a claim on a portion of the company’s net profits. Common stockholders also have the right to elect the board members of the company. These stocks will not provide any fixed income in the form of dividends as it is not mandatory for the company to pay dividends. Instead the buyer can sell the stocks for higher prices than what they bought it for making profits.

Buying a home is a dream that many hold on to since their childhood. But as we grow we understand the cost of buying a home and salary we have might not match and that we need to save a lot before you get the ability to buy a home.

Close to a million Indians join the workforce every year, not all are lucky to get jobs; but even those who do, run the risk of getting rejected on loans and credit cards due to a lack of information on credit score. Statistics say that 50% of the loan applications get rejected due to lack of credit score.

Are you one of them who rush into gathering resources in the last-minute to save tax? Often, many fail to plan their tax deduction and still many are not aware of the investments and expenses that can be claimed for tax deductions under various sections of the income tax act. To help you out, we have compiled 10 most overlooked tax deductions that can fetch you tax benefits.

With the financial year for 2017-18 just ending, you might have just declared your finances in your company for tax deductions. It is now time to declare your investments for the coming year. By knowing the tax rates, you can make sound financial investments that will give you the best returns and tax benefits.