Prepayment Articles

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Guide To Refinancing Your Mortgage
Refinancing your mortgage can mean great savings for you and your family. Replacing your existing mortgage with a lower interest loan, changing the term of your loan, or even consolidating all your debts into this new loan could save you money, both monthly and over the life of the loan.The rule of thumb is when interest rates are 1.5 to 2% lower than you are currently paying on your mortgage, it's time to consider refinancing. Would Refinancing Be Worth It?Refinancing can be worthwhile, but it does not make financial sense for everyone. There are a number of items to consider, such as h...

The golden rules to follow when availing a home loan
Availing a home loan in this day and age is as easy as running into a founder of a start-up in Bangalore. However, like most start-ups, many home loans cause financial hardship because the borrower hasn’t done his/her homework before availing one, or because he/she hasn’t managed finances after availing the loan. The last thing you want is to damage your standard of living by spending a large part of your income on the housing loan. Mentioned below are a few rules to follow during a mortgage.Research – In spite of the technological advancements in banking, not many peop...

Pros And Cons Of Availing CA Loan
After a taxing journey of preparation, it is time for Chartered Accountants (CAs) to book the profits. Whether you are a consultant or a practicing Chartered Accountant in a government or a private organization, you can avail business loans from non-banking financial companies (NBFCs), to realize your dreams. Bajaj Finserv provides Chartered Accountant Loans that cater to the different financial goals of CAs.The cost of client management software, office automation software, and GST-based accounting software of your firm can run into several thousands. Office equipment, computers, network co...

Personal Loans: Benefits and Shortcomings | DealsOfLoan
 Personal Loans are the quick monetary solution for your financial needs. The Personal Loans are the instant helping hands to the people who are in deep financial crunch situations. The best part of the personal loan is it being unsecured in nature. Thus implying, that no collateral is needed to be pledged in order to avail a Personal Loan! So should we go for the Personal Loans?Should you avail a Personal Loan? The answer to this query is not that simple! All depends on how needy you are and how much loan is needed and at what cost! For the people who must be seeking a clear cu...

Top Home Loan Repayment Options
 Top Home Loan Repayment OptionsTop Home Loan Repayment OptionsBuying a home is not an easy process, especially when it involves lots of things to look at. Any buying of a home involves taking a deep research for the property, its legality and various factors related to the property. You must look towards the location of the property, along with the convenience which comes with the property, need to check the environment of the property and have to go through a tedious process of the home inspection to make sure that you are buying a good property, which dese...

Home Finance - 20 Questions For Your Lender
Warning! Home finance has blossomed into an incredibly diverse and complicated industry. This is good and bad. There are at least a hundred ways to borrow the money for your next home now. There are also dozens of ways for lenders to take advantage of you, from hidden charges to prepayment penalties and more.Let your lender explain all the various home loans and home finance options available. However, when you finally decide on a product you like, ask as many of the following as are relevant to your loan. These are the questions that will protect you.Home Finance - Questions For The Lende...

Save Thousands by Prepaying your Mortgage
If you?re determined to cancel your home loan as soon as possible this is not a bad idea, you can put extra money towards the loan but there are some things you need to be aware of.Depending on the amount of money you destine every month towards your home loan you could reduce the length of it from months to years and of course you would be paying less interest on the principal as you would be reducing it systematically. Interest or Principal However, there are some home loans in which you pay first the interest and then the principal so if you put more money towards the loan you would jus...

Buying A Home After Filing Bankruptcy-Rules For Success
1. Apply With at Least 3-4 Mortgage Companies - Compare offers. Subprime mortgage borrowers are at the highest risk for excessive mortgage fees, inflated interest rates and other unethical mortgage practices. Applying with several mortgage companies will give you an idea of what you can expect your interest rate and fees to be and will lessen your chance of being "taken" by an unscrupulous lender. Having several offers in hand will also give you leverage to negotiate for lower rates and fees.2. Consider a Down Payment - When you apply for a new home loan, there are only a few factors that we...

PART PAYMENT CALCULATOR
Part Payment CalculatorWe bring to you a part payment calculator gauge the impact of a partial pre payment of your home loan. A partial prepayment lets you reduce your home loan tenure, EMI or both, as per your financial needs. This calculator shows you your savings by reducing your tenure. It will also provide you an amortization table to better understand the savings!If you want to reduce your EMI after the partial prepayment, you can talk to your Bank and get the same done.By prepaying your loan either in full or in part, you not only reduce your debt but also improve your credit scor...

What is personal loan EMI calculator? How to use it and how does it work?
A personal loan is a type of unsecured loan, which is unconditional. This means the lender does not put any conditions on the fund use for this loan. The borrower can use this loan for any purpose. This flexibility makes the personal loan extremely popular.If you’re considering applying for a personal loan, you don’t need to wait till your personal loan application is accepted to figure out the EMI. Most lenders offer a personal loan EMI calculator for free on their website.What is a personal loan EMI calculator? An EMI calculator helps to calculate the monthly installment am...

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