The low interest rate period is basically a bad news for the conservative investors. At the same time, it is good news for borrowers. The concept of assured or fixed interest rate is a thing of past (taken for granted). In past, the investors posed their faith in small savings scheme with an assumption to earn relatively higher and assured interest rate. In other words, the interest rates were immune to fluctuations of interest rate cycle. The Small Savings Scheme interest rates remained untouched in past due to populist measures. But with the focus on economic growth, it is imperative to ... Read More
How To Get Short Term Loan At Zero Percent Interest Rate
Short Term Loan is very common in the western world. These are popularly known as payday loans. Though both are technically not the same. The reason I referred both of them is that borrower pay or clear the same once he/she receives next salary. In banking parlance, a loan of up to 1-year tenure is referred as short term loan. You can also refer it as a cash advance. "What's in a name?" if you need a loan for short term max up to 52 days at zero percent interest rate then this post is for you. Even in 80's and 90's, the concept of the short term loan was popular but those days, the common ... Read More
Five Reasons Why The Property Prices Are Not Decreasing Post Demonetization
Immediately after demonetization, I shared a post, Impact of Demonetization on the Property Market. The key takeaway was that property prices will correct up to a prevailing black component in each area. Secondly, I mentioned that there will not be any impact on the end user markets. Post demonetization, the buyers are in a fix whether to buy a property or wait for some time. I can conclude the same based on the no of queries received by me in last few months. The greed and fear are playing a major role in the current scenario. It's a mind game that is played by the builders, property agents ... Read More
Joint Development Agreement – 5 Important Points to Avoid Being Cheated
In my post, buying a property from landowner share I briefly discussed Joint Development Agreement. I keep receiving large no of queries on Joint Development Agreement. Most of these queries are directly or indirectly linked to the registration of the Joint Development Agreement. Based on the request of the readers, I decided to share my views through dedicated post on this topic. What is Joint Development Agreement? In layman terms, assume that I own a residential land and builder approach me to construct flats on my land. This arrangement is beneficial for both the parties. The reason ... Read More
Five Reasons To Assess Health Insurance Requirement Regularly
Normally financial planners suggest health insurance requirement based on thumb rules. I do agree that the answer is bit subjective. However, i personally feel that you are the best judge to assess your health insurance requirement from time to time. Typically, we have a tendency to think that nothing bad/unexpected can happen to us. In other terms, only when we are in dire need of health insurance, do we realize the importance of having one. Let's check out 5 reasons why it is important to assess health insurance requirement at regular intervals. 5 Reasons Why You Should Assess Health ... Read More
3 Reasons Why You Should Buy The Home Insurance Cover
A Home is believed to be one single biggest asset for any middle-class family during a lifetime. The emotional value and memories attached to it are ‘Priceless'. As I keep highlighting in my posts that Home Insurance is one of the must have insurance covers. In layman terms, home insurance hedges the risk of any loss or damage to the structure of your home because of natural calamity, fire, etc. You may also opt to insure the valuables like jewelry, appliances, and other contents with this plan. Have you ever wondered about what is the true value of your home? Trust me, it is much more than ... Read More
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