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Taking out a Home Loan? Here are 5 repayment options you didn’t know about

Picking your home loan option based on the cheapest possible rate? Think again. There are a number of factors that you should take into consideration before you finalise your choice – flexibility of services and rates offered by the lender, processing charges, prepayment fees, and more. It’s important to know what Home Loan options are available to you. On the surface, a low interest rate is the most important factor. But if you dig a little deeper, you can avoid pitfalls that a lot of first time loan seekers fall prey too.

Home loans are a long term commitment. When you first purchase your property, you may commit to payments that are not sustainable and that will end up overtaxing your resources. It’s also important to know the procedure, and to understand what is required while applying for a home loan.

Here are the main types of Home Loan options:

Fixed Interest Rate:

A ‘fixed’ interest rate is one that remains consistent throughout the entire tenure of your loan. There a few variations of fixed Home Loans available, offered by banks and other financial institutions. Once such option is a semi-fixed type, wherein the interest rate remain static for 2-5 years, after which the current floating rate of interest is applicable.

Though this type of loan is appealing, there are some drawbacks. Fixed loan schemes are generally priced 1-2% higher than floating loans. Additionally, some lenders may demand additional payment is you decide to foreclose on your home loan. Others, like Bajaj Finserv, offer low or free foreclosure options, which allow you to get out of the agreement without incurring additional debt.

Floating Interest Rate:

This is one of the most popular home loan options for first time buyers. In this type of scheme, the rate of interest varies according to the economic climate. The interest rates are dictated by the PLR system and the Base Rate System, used by financial institutions and banks respectively. When there is a dip in the market, there should also be a corresponding decrease in interest rates.
These variable Home Loans are the most sought-after Home Loan options in India as they have viable prepayment options, which allow you to finish repaying the full amount faster without incurring any penalty.

Making Balloon Payments:

This type of loan is favoured by both banks and customers alike as it allows for larger repayment instalments. A balloon payment is a bigger, lump-sum amount, which is more than one-third of the standard instalment. It’s preferred by some because it allows for quicker loan repayment, and increases your loan eligibility. However, this type of home loan also has a higher rate of interest.

Opt For Refinance:

When looking for a good home loan, best options include refinancing your loan. Refinancing, in essence, is the substitution of one loan with another. This is very popular with home loan seekers as it is a good opportunity to get a lowered interest rate and gives them a chance to shorten their loan tenure.

Many banks and financial institutions like Bajaj Finserv, offer their customers a variation of refinancing, which allows them to take loans of up to the current value of their property if they have purchased their homes within a 12 month period, using their own funds.

Accelerated Repayment Scheme

Under this scheme, borrowers will have the chance to repay their loan faster with larger EMI payments. This is useful for people whose payment capacity is higher than the stipulated repayment instalments. The accelerated payment scheme is popular with customers who don’t want to lose the tax benefits that come with lengthy tenures, but would like renegotiate their existing EMI schemes. One of the advantages is that the loan is repaid faster, which results in less overall expenditure. However, your lender can also levy additional charges if you wish to switch or alter your existing payment scheme.

Today, applying for a home loan is a much simpler process. Modern technology has made the experience seamless and customer-friendly. For example, Bajaj Finserv offers customers online home loan approval. You can get your application approved within minutes and disbursal is available within 72 hours. Take advantage of the low interest rates, starting from 9.85%.

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5 ways your Credit Card is Secretly Sabotaging Your Credit Score

It is important to have a good personal credit score in India or anywhere else in the world, as it creates a mark upon your financial standing. Credit score is calculated by looking at your credit history, which includes your credit card payments and loans.

Banks and lenders use your credit score to determine your eligibility for loans, mortgages, credit cards, automobile loans, and to calculate your rate of interest for these loans. Financial firms such as Bajaj Finserv offer home loans with an interest rate of 9.85%, only if you have a good credit score. The problem you might not even realise is that your credit card is hurting your credit scores.

Excessive Loans

Credit cards might seem like answer to your prayers in an emergency situation, but before you could apply for more than one, think again. If you have taken a number of loans, like an automobile loan, a home loan, and a personal loan, and also have a bunch of credit cards, you are can be in serious debt-trouble. This can cause an effect of payment defaults on credit scores. Banks and lenders assess your bank statements before lending you funds. So knowing your poor credit score is a serious problem and lenders will reject you for this.

Not Paying When There is an Issue

When there is an issue with the credit, whether it’s a double swipe or an accidental extra entry, you naturally assume that you wouldn’t have to pay, until the problem is fixed. This is wrong. If the issue is not solved on time, you would still have to pay for it. If you don’t, it will most likely cause more problems for you. After you’ve paid and the problem is fixed, the bank will reimburse the extra money back to you. However, if you don’t pay, your credit score will be affected.

Scraping the Pot to Pay Bills

Paying your credit card bills every month is good. But also make sure you’re not forgetting to pay the minimum fee for credit cards regularly. This will make your creditors assume that you’re struggling financially and that is not a good mark to have. Make sure you pay your complete payment before the due date to raise your credit score.

Disposing Your First Credit Card

It makes complete sense to do away with cards that are of no value to you. If your card gives you no rewards, has high interest rates , and high annual fees, it would seem like the perfect reason to get rid of it. However, if that card happens to be your first, we would suggest that you stick with it. But if you already have a card, it will contain your oldest credit statements and probably show your long list of successful repayments. This will reflect well on and improve your credit score.

Maxing Out Your Card Too often

Just because you have large cash limit on your credit card doesn’t mean you can use it all. In fact, if you use 60% of the credit you have, you will end up with a bad credit score. Even if you did pay your bills on time every month, it would make no difference, because your creditors will think you rely too much on credit. So if you have about INR 50,000, ensure that you stick to using less than 60% of that; a safe 50% is fine as well.

The most important thing is to keep a firm eye on your credit score whenever you can. Credit scores can change from month to month. Try to maintain a score of 750 and above.

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Buying a home made easy – 7 easy tips for a smooth purchase

Investing in a new home can be one of the most fulfilling life decisions anyone makes. If this is your first home investment, then you have probably put a lot of thought into finalising the property you want. The first few questions that come to mind could be ‘How do I actually afford it?’ and ‘How to manage to buy a home?’

Fortunately, securing a home loan in India is quite an easy process. You just need to be aware of the technicalities and be sure of what you’re looking for. Here are a few tips for buying a home and making sure your investment is worth every rupee.

Pick the Right Location

Before you apply for a home loan, make sure you’ve chosen a home in the right location. It shouldn’t displace you so much that it becomes a hindrance to your daily routine and causes more expenditure than you had planned. Make sure the locality is safe and close to basic civic amenities like schools, banks, and hospitals.

Improve Your CIBIL Score

CIBIL score is a calculation of how safe you are as a borrower. It’s fairly simple to maintain a good credit score. Pay your bills on time, don’t max out your credit cards, and clear off any outstanding debts. If you have your finances in order, your credit score will give the lender a good idea of how you’ll handle your home loan.

Shortlist Your Options

This applies to two things: your house and your home loan. Don’t mindlessly go through countless property brochures and home loan offers. Pick your best options and approach only those builders and financial institutions that meet your needs.

Buy What You Can Afford

Just because you’re opting for a home loan, that doesn’t mean you can actually buy the costliest house on your list. You still have to put in money for a down payment and you still need to clear out EMIs every month. Calculate your tentative EMI amount and see if it fits within your monthly budget. If you have access to the internet, Bajaj Finserv provides a free online Home Loan EMI Calculator. You can make use of this calculator to calculate and plan your finances appropriately.

Get Pre-Approved

Pre-approval lets you book a home even before your loan amount is sanctioned. If you have a good enough credit score, the bank can deem you eligible for a set amount of money. This pre-approval is valid for a good enough time period, usually around 6 months. If you get this done before you even start searching for a home, you can peacefully go about the process of booking your home and getting the loan sanctioned without any issues.

Pick the Right Interest Rates

This is a crucial step for any home loan seeker: deciding which home loan rate of interest to choose. Both fixed and floating rates have their own pros and cons. Essentially, a fixed rate of interest will make all your EMIs equal and a floating rate will have different EMIs each month. With fixed rate you might get more security and fewer saving. A floating rate may prove to be relatively less secure when it comes to your finances, but may lead to more savings in the long run.

There Is No Right Time

Don’t depend on the market statistics and wait for the property prices to fall. Conversely, rushing to buy a house just because the rates have come down for a small period isn’t a good idea either. Keep in mind that property prices don’t fluctuate too much. If you’ve found a good enough house, evaluate your financial condition to check if you can afford it. And if you can, then go ahead and buy it before someone else does.

You could also apply online for a home loan through companies like Bajaj Finserv, who not only process your application on the web, but even let you set up an online account to manage your home loan from wherever you are

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3 things to keep in mind before taking a Loan Against Securities

If you’re an avid stock market investor in dire need of money, then taking a loan against shares may prove to be your best course of action. Pledging a house or gold to obtain a loan is not always possible; that’s when a loan against securities (LAS) comes into the picture.

However, like every other form of credit, you need the right documentation to obtain a loan against securities. You may already be wondering about things lenders will ask before taking loan against shares.

Below are some of the prerequisites in the loan approval process.

The Basic Eligibility Criteria

In order to obtain a Loan Against Securities from financial companies like Bajaj Finserv in India, you need to be a citizen of the country. Your age is also a deciding factor in the loan approval process; you need to be at least 25 years old when the loan is sanctioned. Your loan against securities eligibility also depends on your monthly income. It’s essential to have a regular source of income, regardless of whether you’re a salaried individual or a self-employed one.

Bajaj Finserv will offer Loan Against Securities to you, if the minimum value of your securities is at least INR 25 lakh and if you reside in any of the 17 major cities mentioned on their website, including Bangalore, Chennai, Hyderabad, Mumbai, Delhi and Kolkata.

Keep Your Proof in Order

The first document that you need to get your hands on is the application form, which makes for the first step in the loan approval process. At this time of the loan against shares process, you’ll also need to submit your identity and address proof. The signature proof and date-of-birth proof are some of the other documents that you’ll be asked for.

Whip up Your Financial Records

If you’re a salaried professional, then loan providers like Bajaj Finserv will ask for the details of your income, including your latest pay-slip and your Demat statement for the last 6 months. However, if you’re a self-employed individual or representing a company, then the process slightly differs. Instead of your income details, you’ll need to present your balance sheet, income tax returns and P&L account statement for the last 2 years.

When you apply for loan against security at Bajaj Finserv, you also have to provide your bank account statement for the last 3 months. Remember that these may not be the only documents required for loan against security; additional records may be asked for as well during the loan processing, depending upon your qualifications.

At INR 15 crore, Bajaj Finserv offers one of the highest loan amounts in India to both salaried and self-employed individuals. Companies and firms are eligible for a loan amount of up to INR 10 crore. At Bajaj Finserv, you also have the flexibility to swap your pledged securities according to your need.

With the right qualifications, it’s pretty easy to obtain a loan against shares in India. In fact, Bajaj Finserv takes no more than 5 minutes to approve a loan application. What’s more, if your loan is sanctioned, you’ll have the cash in your bank within a mere 72 hours.

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7 popular reasons to take a Personal Loan

7 Popular Reasons to Take a Personal Loan

A personal loan seems to be a popular choice among the masses because of their effortless and transparent approval processes. Whatever maybe your reasons to take a personal loan, banks are here to assist you. With its nominal requirements in terms of documentation and securities, opting for a personal loan sure seems like the easy way out if you are in urgent need of cash. Bajaj Finserv is one bank which doesn’t ask for any collateral or securities when you opt for an unsecured personal loan of 5 Lakhs to 25 Lakhs.

While you may wonder if your reasons are valid enough to demand a personal loan, here are some popular ones.

1. Personal Loan for Home Improvement Projects

Personal Loan for Home Improvement Projects

Adding value to your home by investing in a couple of home improvement projects is a smart move. Remodelling your home can increase its resale value. By opting for a personal loan, you can save money on your home equity and on the high interest charged for your credit cards.

2. Personal Loan for Holiday

Personal Loan for Holiday

Using a personal loan to finance your vacations saves you from the short-term pressure of the credit card payments. With easy EMI options available you can repay the loan within the stipulated tenure while maintaining your current lifestyle.

3. Personal Loan for Medical Emergencies

Personal Loan for Medical Emergencies

Traditional health insurances do not cover all the medical procedures. So if there’s a major medical procedure you’ve been putting off for the lack of funds, now it is the right time for you to take the personal loan for medical emergency . Also for unforeseen emergencies, having an access to a certain amount of cash will only lessen your burden of payment.

4. Personal Loan for Educational Purposes

Personal Loan for Educational Purposes

While going for a student loan seems like the right solution when you are short on funds for your tuition, it is still expensive. With tenures extending up to 12-15 years, you would end up paying more eventually as compared to the short-term tenure of a personal loan. With an option to choose between a fixed and floating personal loan interest rate, and the option of pre-paying your debt is an attractive alternative.

Bajaj Finserv offers a loan up to 25 lakhs to fund your education and doesn’t require any closure fees when you opt for part payment.

5. Personal Loan for Wedding

Personal Loan for Wedding

A wedding is a delightful occasion but also an expensive one. A low-interest rate personal loan is a perfect way to fund your big day. You can easily repay the loan with a tenure of 1-5 years giving you that much required breathing space to settle into marital bliss.

6. Personal Loan for Used Cars

Personal Loan for Used Cars

Banks lend money only if you are looking to buy a new car. Also if you have an existing car loan which you haven’t repaid already, then getting a second loan for a new car is almost impossible. A personal loan can fund the cost of a used car and doesn’t need any securities for the loan approval.

Bajaj Finserv offers 100% sanction of a Personal Loan within 5 minutes of your applying.

7. Personal Loan for Paying Debts

Personal Loan for Paying Debts

You can repay your student, medical, and credit card debts by opting for a loan. The fixed rate of interest for the entire tenure can help you sustain yourself financially when times are tough.

7 Popular Reasons to Take a Personal Loan

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Upgrade Your Startup To An Enterprise In No Time!

India startups have not only gained momentum, going on to become mammoth brands that have put India on the map, but have also changed the way we perceive business growth and success. But any breakthrough business idea needs working capital for it to grow out from a startup to an enterprise.

Often, the most crucial issue faced by talented entrepreneurs is hunting down investors and that’s where business loans step in. They offer much-needed help with a working capital loan and can help drive your fledgling company in the right direction. A small business development loan can help stabilise a startup when it falters, help it expand at a critical stage or reduce the pressure on the business owner, so he or she can concentrate on new business and quality rather than worrying about meeting daily expenses.

If you’re wondering how to your startup can go from small to big, here are the things to keep in mind:

A Clear Vision

A well-defined vision is the first step for a startup to cross the line from new and unstable to mature and established. An entrepreneur or small business owner needs to have clarity about the business, its services or products, its quality, its USP, its values and its market. Although the goals may be changed or redefined every quarter or every year, a consistent vision helps a small business grow in easily mapped stages.

A Dream Team

Even Alexander the Great would not have been able to conquer the world without his trusted soldiers, and similarly, your startup cannot grow without talented staff. Take a cue from the largest brands and businesses in the world today who cant stop talking about hiring well, nurturing human resources and being employee-focused, and understand that your company can only expand into a trusted brand with a team that is as dedicated, passionate and hard working as you are! So look for the right people with values that match your own as well as skills that complement your business vision and goals.

Also Read : What Do You Choose To Grow Your Business? A Small Business Credit Card Or A Business Line Of Credit?

Keeping up on speed

Getting things done quickly and efficiently is the reason why small firms are often able to beat their larger competition, and capitalizing on speed is what your startup needs to do too. It can make a huge difference if your small business is able to launch a new product on time or is able to move faster than your bigger contemporaries. Successful startups never delay the process of getting things done, and the most productive businesses are the ones who make the most of their time. Whether it is hiring more people when the need arises, moving into a bigger space, buying state-of-the-art machinery or redoing branding when the times is right, use speed to your advantage and your smart-up will upgrade into an enterprise in no time!

Hero to Strategist

There comes a time in the lifespan of a startup where the entrepreneur needs to redefine his or her role. This means that the owner goes from doing and deciding everything himself—as the hero—to delegating smart and focusing on getting new business and analysing the ever-changing market—as a strategist. This shift is key to upgrading a startup to an enterprise and relies on the judgement, skill and acumen of the business owner. Make sure you know when the time is right for you to change your role to suit your business requirements.

Reinvest in Your Business

Last but not the least, your startup requires funds to begin operations, hire the right talent, create your product or service, sustain itself and expand. Not infusing your startup with the right funds at the right time can spell disaster for your business. In this regard, even a small secured business loan or a small business development loan can be a lifesaver taking your new company to dizzying heights. If you are wondering how to get a loan to start a business or the requirements for a small business loan, you can take help from Bajaj Finserv.

As you work hard and channel your energy into your startup, don’t forget to research the right lender and the right business loan to keep your startup going strong. With low interest repayable in easy tenures, a hassle-free online application process and approval in as less as a day, the Business Loans Bajaj Finserv may be just the thing your startup needs.

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Exposing the riddle: Business Loans demystified

As a budding entrepreneur, or a businessman trying to take his company to the next level, business loans are something you should be properly acquainted with. There is a lot to absorb, and a concrete understanding of how to deal with these loans can really boost your business prospects while bringing you plenty of monetary benefits.

With an increasing number of enterprises opting for business loan in India, the need for a comprehensive guide that explains everything to those uninitiated to the business loan application process, is at an all-time high.

Here’s how to get a Business Loan and proceed with the repayment process:

Why Apply for a Business Loan?

Before jumping into the meatier part, let’s take a look at why an organisation would require a business loan in the first place. There are plenty of reasons that govern a company’s decision to opt for a loan, like looking to expand the business, meeting additional expenses, purchasing resources and equipment, and maintaining cash flow balance. If your company meets any of these requirements, then it is time to opt for a business loan. Also Read:5 ways to combat a Business Loan rejection

Now, let’s go through the business loan requirements that need to be met before you can apply for one.

What Do You Need?

Here’s a handy checklist of things that you need to keep in mind before applying for a business loan:

  • Ensure that your credit score is favourable, i.e. somewhere in the range of 700 to 900 points.
  • Keep all your important documents ready.
  • Arrange funds for a down payment, in case the lender requires that to be paid in advance.
  • Since you are applying for a business loan, maintain a comprehensive database of your company’s performance and its cash flow statement. If you are starting a new firm, focus on the idea and your presentation.

Avail the Services of a Business Loan Calculator

Unsure about how to manage your finances once you get a business loan? You can opt for the Business Loan Calculator offered by Bajaj Finserv that can calculate your EMIs and prepayment amount using information like loan amount, tenor, and rate of interest. This is a smart way to plan your EMIs and also gives you access to necessary information for planning your prepayment instalments.

Know the Interest Rate

Another important thing to keep in mind about business loans is the interest you are being charged for them. Survey the market to understand the different business loan interest rates that are being charged. Bajaj Finserv, for instance, offers one of the lowest interest rates in the market, and also doesn’t require any collateral or guarantee to approve the loan.

Getting a business loan is a lengthy process, but you can breeze through it if you are aware of the all the different components that constitute a business loan. You can apply online for business loan offered by NBFCs like Bajaj Finserv, who provide smart options like pre-approved offers and online account access.

<< Click here to Apply for our 100% Online Buisness Loan >>

What Lenders Are Looking For In Business Owners? Crack Your Business Loan Application

As an entrepreneur looking out to start a new business or expand your existing enterprise, taking a business loan is often unavoidable. After doing your preliminary research and narrowing down companies you’d like to take a loan from, nailing your business loan application is a must. If you’re wondering how to crack your business loan application, we have a few suggestions. With these simple must-dos, you’re sure to make your application appealing, thus ensuring that your application makes the cut.

Business Profile

The first thing to consider when you apply for a business loan is creating a short profile of your business. Tell your lender what the business is about. Give a gist of the operations you carry out, an overview of your clientele and your employees. Offering a brief about your business finances may also help your application. If your company has a strong financial background and you’re looking to expand further, your finances will earn your brownie points. In addition to your company’s philosophy and history, mention the loan amount you’re seeking and what use you want it to be put to. Adding this as a cover letter to your application will force the lender to review your application. Since this is the first interaction you’re having with the lender, make sure your profile sounds confident and compelling.

Your Credit Score

It’s a well-known fact that a lender is going to go through your financial statements and analyse your credit score before offering you a loan. As credit history can vary with respect to the field of your business, a lender may look into your personal credit history. Thus, it is important to keep in mind that not only is your business under scrutiny, but so are you. If you’re just starting out, a lender will definitely look into your (and your partner’s) credit history so as to gain a sense of your financial status. If you have successfully upheld financial obligations in the past, you are more likely to be sanctioned a loan.

Also Read : The Fundamentals Of Your Business Credit Score

Your Company’s Revenue

Before lending money, the lender has to make sure you can repay the sum at the end of the tenure. In order to do so, the lender may look at your profit and loss account in order to analyse your revenue. If your company seems to have enough revenue and a healthy financial state, there are more chances of your loan application getting approved. If you’re looking for a loan to start a business, the lender may have a look at your personal finances and other sources of revenue, if any.

Collaterals and Guarantors

Most lenders look for a security against your loan. Thus, mentioning assets you own that you may pledge as collateral to your loan can help boost your business loan application. This adds a sense of security in the minds of the lender thus increasing your chances further. While most lenders do ask for collaterals and guarantors, Bajaj Finserv’s business loan doesn’t need either. So if you do not want to offer any collateral or do not have a guarantor, research business loans from lenders that do not require them.

Your Business Savings

It is always a good idea to show lenders the money you’ve set aside. It may be savings in the books of the business or in your personal records. This shows that not only are you serious about investing in the business, but you’re also financially sound and safe. Showing savings makes the lender believe that you manage your finances well and thus have a greater probability of repaying the loan. It thus plays an active role in getting your business loan application approved.

Gone are the days of visiting a bank or physically going to a bank or financial institution to apply for a loan. You can now complete and send in your business loan application online. If you’re looking for online loans to expand business or start a venture, you are sure to find solutions to your problems with Bajaj Finserv. With an easy application process and a quick review process, Bajaj Finserv provides you with the convenience of applying for a business loan just with the press of a few clicks.

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