ADVISORY
Wanted: a loan with the lowest interest rate
Posted: 2008-06-22 22:24:57+05:30 IST
Updated: Jun 22, 2008 at 2224 hrs IST
Amitoj Sethi
Director, www.deal4loans.com
I own property in Chennai worth Rs 1.5 crore and want to construct a multi-floor building having a commercial area on the ground floor and my residence on the first floor. I have been trying to get a loan for Rs 40 lakh to cover this construction cost, but have failed to do so. Why are banks not willing to give a loan against property or a housing loan to me? I have tried ICICI and HDFC banks. I am a salaried individual and want to know how I can procure a loan for this purpose?
You could approach nationalised or private banks like Bank of Baroda, ICICI or HDFC. You will need to check if the reason for not offering you the loan is your profile or your income or the property details. It is only on that basis that you plan your next step.
My monthly salary is Rs 18,000 and I have been filing my ITR (Indian Income Tax Return) for the past two financial years. I require a loan worth Rs 5,00,000. Please suggest to me a bank which can provide me a loan with a low interest rate and a minimum term period of four years.
You could approach nationalised or private banks like Bank of Baroda, ICICI and HDFC among others. You will need to check the offer from each bank to decide which one is offering the lowest rate on long term loans as each of them may have different eligibility and pricing criteria.
I took a personal loan from Citi Financial. My track record has not been good and I want to repay the full loan on a pre payment basis. And after making the payment I want to take another loan. Is it possible?
In case your track record is not good, chances of you getting another loan are slim, as most lenders check CIBIL for the track record of new borrowers.
I have a property worth Rs 60 lakh in Delhi’s Patparganj area and have taken a loan worth Rs 12 lakh four years back. Now I want to switch to another bank. I am a self-employed professional and even my spouse is working. Please tell me what is the way to go about this switch?
You could approach nationalised or private banks like Bank of Baroda, ICICI, HDFC, etc directly or aggregators like www.deal4 loans.com. Please keep in mind the pre-closure...
Comments
» inquiery
Posted by vipin on 2008-10-20 16:33:29.124684+05:30
I want to start a business.And i am of 23.I want to open a hotel at national highway.And i need a loan for 50 lac.Please give suggestions and can i get gov. help too.
» GET YOUR LOAN OFFER WITH EASE
Posted by loan company on 2008-11-18 17:30:59.554348+05:30
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» loan need
Posted by akansha on 2008-09-17 12:34:13.037923+05:30
hi,i need a loan of 25 lakhs against property of rs 8000000 in mumbai suburb ,i need a prvate loan because back is unable to pass loan because of technical problem.ples help if you can.
» Finance Available
Posted by Antony Jomy on 2008-09-17 11:12:46.736385+05:30
Hello I'm Antony Jomy from Kerala and we provide business loans for less interest rates, if you are interested contact me so that I can give the details of the loan Email: ajcombines@gmail.comMob : 09946558956
» LOAN OFFER
Posted by blair james on 2008-09-04 18:12:32.677476+05:30
Good morning my dear brothers and sisters in Christ, I am Mr Blair James, a reputable, legitimate and accredited money lender. I loan money to people in need of financial assistance at 3% interest rate. Do you have a bad credit or are in need of money to pay bills? Let me take this medium to inform you that I assist beneficiary reliable as I'll be glad to offer you a loan.Please write with the below information. After the reply, you will be sent a loan application form to fill. (There are no credit check, 100% Guaranteed!) I hope you will allow me to be of service to you. Sincerely. Contact us via email: (privateloaninvestment1@yahoo.com) with the Applicant Information below: Full Name;Country:Amount Needed;Monthly Income:
» loan required
Posted by Clifford on 2008-09-15 14:25:02.350451+05:30
Hi, i am clifford from India. I am in need of a loan. Could you please help assist. I hope it is an honest deal.regards,Clifford9322029257/9326875132
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Posted by sammy loan campany on 2008-11-18 18:16:53.6323+05:30
Hello Dear, Are you so broke or i need that you can not afford to pay your bills or getwhat you want for the up coming xmas period? here is a big opportunity foryou to be rich, suit your finanacial need and never be broke or pooragain, with theSAMMY WHITE FINANCE OFFERS going on right now offerloans to individuals who are optimistic in having one, we also giveout loans at a 2% interest rate, very easyto obtain and no stress, all you have to do is apply for one and seeyour dreams coming true, you are to contact our loan agent Mr. Jameslocke via sammy1.white.loan@gmail.com and weshall see to your aid. Best regards as we await your swift response
» GET YOUR LOAN OFFER WITH EASE
Posted by sammy loan firm on 2008-11-18 17:22:13.162516+05:30
Hello Dear, Are you so broke or i need that you can not afford to pay your bills or getwhat you want for the up coming xmas period? here is a big opportunity foryou to be rich, suit your finanacial need and never be broke or poor again, with theSAMMY WHITE FINANCE OFFERS going on right now offer loans to individuals who are optimistic in having one, we also give out loans at a 2% interest rate, very easyto obtain and no stress, all you have to do is apply for one and seeyour dreams coming true, you are to contact our loan agent Mr. James locke via sammy1.white.loan@gmail.com and weshall see to your aid. Best regards as we await your swift response
» Need loan
Posted by Rajkannan on 2008-09-09 11:47:16.360144+05:30
Hello Mr. Blair James,I am Kannan from Madurai City, Tamilnadu state, India. I am in need loan of Rs 10 Lakhs. Please email me all the details. I am looking for it.Name : R.RAJKANNANCountry : INDIAAmount Needed : Rs. 10 Lakhs (23800$ approx.)Monthly Income : Rs. 45KThanks,Rajkannan.( 91)9994423500
» LOAN OFFER
Posted by blair james on 2008-09-04 18:12:30.278607+05:30
Good morning my dear brothers and sisters in Christ, I am Mr Blair James, a reputable, legitimate and accredited money lender. I loan money to people in need of financial assistance at 3% interest rate. Do you have a bad credit or are in need of money to pay bills? Let me take this medium to inform you that I assist beneficiary reliable as I'll be glad to offer you a loan.Please write with the below information. After the reply, you will be sent a loan application form to fill. (There are no credit check, 100% Guaranteed!) I hope you will allow me to be of service to you. Sincerely. Contact us via email: (privateloaninvestment1@yahoo.com) with the Applicant Information below: Full Name;Country:Amount Needed;Monthly Income:
» Which bank or F. I. offers - lowest Interest Rates (fixed
Posted by Santosh Kumar Sahoo on 2008-08-30 16:18:34.641451+05:30
Sir, I want to purchase a polt in Bhubaneswar, Oriss
» loan offer
Posted by MR BLAIR JAMES on 2008-08-27 15:51:50.520503+05:30
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» GET YOUR MUCH NEEDED LOAN HERE!!!
Posted by MRS.JANE ANDERSON on 2008-08-15 15:19:28.765142+05:30
Do you need a business loan to expand your business? Do you have a bad credits that you want to solve? Apply for a loan now and get approved. we offer all kinds of loan at a reduced interest rate.For inquiries contact..... Email: or mrsjaneloanfirm@yahoo.com ,you can Call . WITH REGARDS MRS.JANE ANDERSON
» Personal Loan
Posted by Gibson Hutapea on 2008-08-15 08:37:02.566966+05:30
Dear Sir / Madam,I would like to apply a loan for idr. 250,000,000. The purpose is to replace my existing high interest ban loan.
» GET YOUR MUCH NEEDED LOAN HERE!!!
Posted by MRS.JANE ANDERSON on 2008-08-15 15:18:57.035929+05:30
Do you need a business loan to expand your business? Do you have a bad credits that you want to solve? Apply for a loan now and get approved. we offer all kinds of loan at a reduced interest rate.For inquiries contact..... Email: or mrsjaneloanfirm@yahoo.com ,you can Call . WITH REGARDS MRS.JANE ANDERSON
» Loan
Posted by Prabhakar on 2008-08-29 12:28:23.320772+05:30
I need loan to solve my existing loans. I have computer center.
» loan
Posted by Kanchan Mohan Dhar on 2008-08-14 14:49:17.7376+05:30
Dear Sir,Ihave medicine manufacturing unit situated at Berhampore,Dist.Murshidabad,West Bengal.The production of my unit was was closed for modernisation during last 3 years. After modernisation the production has been started last four months.For mordenisation of our factory I have taken a loan of Rs.70 lacs from S.B.I.The valuation of our factory is more thanRs.5 core.My turnover target is Rs.6 to 7 core p.a. and due to this we need a loan of Rs.1 core.I want to take this loanthrough loan transfer from SBI against mortage of our factory.
