All Things Credit

Unlock the world of credit! From picking the perfect card to savvy loan management, navigate wisely. Maximise rewards, dodge debt pitfalls, and decode credit scores for a brighter financial future. Explore loans, homes, and ace that credit game with smart tips & tricks!

9 Seasons

Season

Credit Card Story

Navigate India's credit card landscape wisely: Explore diverse card types, that align with your lifestyle. Apply with caution, use cards judiciously to avoid...

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E01: Types of Credit Cards

04 mins

Explore the diverse range of credit cards available in the financial market. From Cashback, Lifestyle, Shopping, and Entertainment Credit Cards...

E02: Choosing the Best Credit Card for Your Lifestyle

03 mins

Discovering the ideal credit card involves a thoughtful process. Evaluate your spending habits, aligning them with specialised cards like dining or fuel...

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Bites

Axis Bank Vistara Credit Card What Happens Post Air India Merger 1041 views

Academic Advantage Student-Friendly Credit Cards 174 views

Can You Make Credit Card Payments via UPI 80 views

The Ins and Outs of Credit vs Debit What Sets Them Apart 201 views

Credit Cards and Cash Advance 628 views

What is a Grace Period and How Does It Work? 93 views

What is Minimum Amount Due in a Credit Card? 59 views

Credit Limit and Its Nitty-gritties 80 views

Credit Cards & Its Types 87 views

How to Choose the Best Credit Card 1555 views

Season

Loans 101

Understand Loans 101 in India: Uncover diverse loan types, decode essential loan terms, master strategies for managing multiple loans....

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E01: Types of Loans

03 mins

Loans are categorised into two main types: secured and unsecured. Secured loans, such as home, car, and gold loans, require collateral, offering higher...

E02: Loan Terms You Must Know

05 mins

Understanding loan terms is crucial before borrowing. Key elements include the loan amount, tenure, and interest rate...

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Bites

Pre Approved vs Pre Qualified Loan Offers What s the Difference 203 views

The Ripple Effects of Loan Default 96 views

Loan Misconceptions Fact vs Fiction 618 views

Season

Personal Loan Story

A comprehensive guide, savvy tips for choosing the best deal, crucial insights before applying, and a seamless application process for financial empowerment...

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E01: Understanding Personal Loans: A Comprehensive Guide for Borrowers

04 mins

Personal loans provide financial flexibility without collateral requirements. Ranging from ₹500 to ₹50 Lakhs, they cater to diverse needs...

E02: How to Choose the Right Personal Loan: Tips for Getting the Best Deal

03 mins

Selecting the right personal loan involves assessing eligibility criteria, submitting necessary documents, comparing interest rates....

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Bites

Do You Know About the Overdraft Facility in Personal Loans 199 views

How Can You Repay a Personal Loan Quickly 1172 views

How to Use a Personal Loan Calculator 129 views

Here is How You Can Choose the Right Personal Loan 71 views

Quick Guide to Personal Loans 405 views

Season

Loans for Homes

Uncover Home Loans 101 to buy your dream home. Learn about types, navigate fixed vs. floating rates, and discover smart strategies for first-time borrowers...

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E01: Home Loans 101: A Comprehensive Guide to Buying Your Dream Home

04 mins

Home loans offer a pathway to realising your dream home, whether buying, building, or renovating. Types include land purchase, construction, renovation...

E02: Home Loans & Its Types

04 mins

Home loans come in various types to suit your needs. Popular options include Home Purchase Loans for buying properties, Home Construction Loans for building...

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Bites

Are There Ways to Save on Your Home Loan 68 views

Should You Prepay Your Home Loan 89 views

Can You Make Your Home Loan Interest Free 145 views

What is a Reset Clause in a Home Loan Agreement 73 views

Home Loans for Under Construction Properties What to Consider 229 views

Home Loan Calculator Your Key to Smart Home Finance 194 views

Exploring Government Schemes for Home Loan Benefits 145 views

Here is How You Can Buy Your Dream Home   385 views

The Importance of Down Payments: Saving for Your Home Purchase 49 views

Types of Home Loans 805 views

Season

Credit Score 101

Delve into credit scores: decode jargon, improve your score, and learn from others' mistakes. Understand real-life impacts and build credit while adopting...

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E01: Decoding the Credit Score Jargon: What Do Those Numbers Really Mean?

03 mins

Learn about credit scores like your financial report card, ranging from 300 to 850. Explore key components: payment history...

E02: The Credit Score Cheat Sheet: Quick Tips for Instant Improvement

03 mins

Discover the key to financial well-being with this credit score cheat sheet. Learn to boost your credit score with actionable tips such as checking your...

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Bites

Unable to Get a Credit Card Even with a Good Credit Score 1235 views

Does Your CIBIL Score Change After You Get Married 166 views

Can You Qualify for Credit with a 0 or minus 1 CIBIL Score 211 views

Credit Score and Student Loans Managing College Debt 180 views

3 Credit Score Myths that are Untrue 2935 views

Fraud-Proofing Your Credit Score: Essential Tips for Identity Protection 90 views

60-Second Financial Health Check: Beyond the Credit Score 60 views

Loan Approval 101: The Roadmap to Getting Approved with a Healthy Credit Score 53 views

Swipe Smart: Mastering Credit Card Usage for Financial Success 33 views

Learn from Mistakes - Top Credit Fails and How to Avoid Them 24 views

Everyday Impact: How Your Credit Score Shapes Your Housing Options 52 views

30-Second Credit Fixes: Small Changes for Big Score Gains 28 views

Cracking the Credit Code: Understanding Key Factors That Affect Your Score 36 views

Season

Digital Lending

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E01: Understanding Digital Lending Platforms

02 mins

In the heart of India's digital revolution, the financial landscape undergoes a transformative evolution with the rise of Digital Lending Platforms. These online platforms connect you with lenders through smartphone apps and websites, offering quick and convenient loans.

E02: Benefits and Risks of Digital Lending

02 mins

Digital lending platforms offer convenience with quick and efficient online applications, making them ideal for urgent financial needs. However, potential risks include higher interest rates and hidden fees.

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Bites

Social Impact of Digital Lending 153 views

Understanding Consumer Rights in Digital Lending 275 views

Promoting Financial Literacy and Responsible Borrowing 401 views

Preventing Digital Loan Fraud 175 views

Technological Innovations in Digital Lending 52 views

Financial Health Implications of Digital Loans 30 views

Pros and Cons of Digital Lending 32 views

Overview of Digital Lending Platforms in India 29 views

Season

LAP and LAPBT

Loan Against Property (LAP) allows using property as collateral for a loan. Balance Transfer involves moving an existing loan to another lender for better terms, rates, or repayment conditions.

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E01: Understanding Loan Against Property

03 mins

Loan Against Property (LAP) allows you, a property owner, to leverage your assets as collateral for loans. This is useful for purposes like business expansion or emergencies. The loan amount depends on the property's value and your financial capacity. If repayment fails, the lender can seize the property. LAP accepts residential, commercial, or industrial properties, with associated risks including potential loss of property. It's crucial to understand terms and repayment plans before opting for LAP, ensuring informed financial decisions.

E02: Types of Properties Accepted for LAP

02 mins

Loan Against Property (LAP) is favourable to both individuals and businesses. The eligibility depends on the property offered as collateral, which falls into three categories: residential, commercial, and industrial. Residential properties like homes and apartments are stable collateral. Commercial properties such as offices and retail spaces are valued based on location and rental income. Industrial properties, including manufacturing units and warehouses, are valued for their utility and infrastructure. LAP offers opportunities for diverse financial needs, from education to business expansion, leveraging the value of owned properties for necessary financing.

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Bites

How to Negotiate for a LAP Balance Transfer 210 views

Impact of Credit Score on LAP Balance Transfer 105 views

Correctly Timing Your Loan Against Property Balance Transfer 107 views

Loan Against Property vs Personal Loan 63 views

Loan Against Property for Education 49 views

Documents and Costs for LAP Balance Transfer 54 views

Procedure for LAP Balance Transfer 34 views

Things to Beware of in LAP 64 views

Loan Against Property Balance Transfer Basics 33 views

Processing Fees Prepayment and Foreclosure in LAP 25 views

Loan Against Property Eligibility Criteria and Documentation 73 views

Interest Rates and Tenure Options in LAP 28 views

Season

All About Two Wheeler Loans

Embark on your two-wheeler loan journey! From eligibility checks to EMI calculations and default management to part-payment options, we've got your bike loan questions covered. Gain an expert insight on two-wheeler finance and ride confidently!

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E01: Things You Need to Know about Two wheeler Loans

03 mins

Two-wheeler loans can be secured or unsecured, with special schemes sometimes available for electric scooters. Interest rates can be fixed or floating, starting as low as 0.99%. Loan amounts cover up to 90% of the vehicle's on-road price, with tenures up to 4-5 years. Consider factors like downpayment, EMIs, and additional fees when choosing a bike loan. To ensure quick approval and easy repayment, check your credit score, arrange for a guarantor if needed, and provide all the required documents.

E02: Two Wheeler Loan EMI Calculator Crunch the Numbers

03 mins

A two-wheeler loan can make purchasing a bike easier by breaking down the cost into manageable monthly payments. These are known as Equated Monthly Installments or EMIs. EMIs are determined by the loan amount, the interest rate, and the loan tenure. The formula for calculating EMIs is a complex mathematical equation. However, online two-wheeler loan EMI calculators simplify this process by automatically estimating monthly payments. The interest rate has a significant impact on the total bike loan repayment amount. For example, a ₹60,000 bike loan at 8% interest over three years results in an EMI of around ₹1,880, while a 12% interest rate increases it to ₹1,993. Hence, a slight increase in the rate can lead to higher EMIs and a larger total repayment. Most financial institutions use the reducing balance method to calculate EMIs. This means that the monthly EMI reduces the outstanding loan amount. Interest for the next month is then calculated on the reduced balance. This ensures accurate payments over the loan period. Hence, using a bike loan EMI calculator is an effective way to estimate loan repayments and plan finances accordingly. It allows potential buyers to understand the financial commitment of their two-wheeler loan and ensure they stay within their budget.

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Bites

Bike Stolen or Damaged Do I still have to pay my Loan EMIs 152 views

Understanding Part payment and Foreclosure in Two Wheeler Loans 112 views

Have You Checked Your Two Wheeler Loan Eligibility 213 views

Season

The Gold Loan Affair

A gold loan is a secured loan where you pledge gold items like jewellery or coins as collateral to obtain funds. Lenders appraise the gold's purity and weight to determine the loan amount. You could get up to 75% of your gold’s market value as loan. Repayment options for a loan against gold include bullet repayment, EMI-based repayment, partial payment, and more, each with pros and cons. Eligibility criteria typically requires you to be between ages 18 and 70 years and possess 18-24 carat pure gold, with necessary documents like identity proof and address proof. You could determine loan amounts, interest rates, EMIs, and total repayment amounts using a gold loan calculator. This tool may help you plan your finances accurately by taking gold weight and purity into consideration.

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E01: Golden Gateways Exploring the World of Gold Loans

03 mins

A gold loan, or a loan against gold, is a secured loan where you pledge your gold items, like jewellery, coins, or bars, as collateral. The process involves evaluating your gold’s purity and weight, after which lenders offer up to 75% of its market value. Once approved, you could hand over the gold and receive the loan amount, that could be used for various purposes. Gold loans are popular due to lower interest rates, quick processing, and versatility. Ensure timely repayment to retrieve your precious gold safely.

E02: Golden Wisdom Managing Your Gold Loan Payments

03 mins

When managing a loan against gold, you have various repayment options. The Interest-Only EMI option allows you to pay just the interest monthly and the principal at the end. Partial Principal Repayment lets you repay the principal in parts, reducing your interest burden. Easy Monthly Instalments (EMIs) spread your payments evenly over time. Partial Payments could reduce interest and shorten your loan tenure. Refinancing involves replacing your loan with a new one at better terms. Foreclosure lets you repay the entire loan early to save on interest. Use a gold loan EMI calculator to find the best option for you.

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Bites

Midas Touch Navigating the Gold Loan Calculator 221 views

Glitter and Gains Navigating Gold Loan Eligibility and Documents 258 views

Seasons

All

Pay bills on time, use credit responsibly, and check your credit report regularly to spot errors or fraud.

Income, credit score, property value, and existing debts influence your home loan eligibility. Maintain a good credit history for better chances.

Consider your spending habits, rewards offered, annual fees, and interest rates. Pick a card that aligns with your financial needs and lifestyle.

Yes, a low credit score may lead to loan rejection or higher interest rates. You could improve your score by managing debts and making payments responsibly.

Benefits include quick funds, but risks involve higher interest rates. Borrow responsibly, understand the terms and ensure that it aligns with your financial goals.

Bajaj Finserv Direct Limited ("Bajaj Markets") offers to its customers, various financial products and services through its digital platform as a registered Corporate Agent with IRDAI, registered Investment Adviser with SEBI, registered Third-Party App Provider (UPI payments), and as DSA or Digital lending platform of its Partners. Further, Bajaj Markets also offers a marketplace e-commerce platform to facilitate transactions between customers and sellers on-boarded on the platform. Registered Office: Bajaj Auto Limited Complex, Mumbai – Pune Road, Akurdi, Pune – 411 035 CIN: U65923PN2014PLC150522 Corporate Agency (Composite) Registration no.CA0551 (valid till 10-Apr-2027) Investment Adviser, SEBI registration: INA000016083 (Validity - Aug 11, 2021 - Perpetual)