Do you know that you can get an education loan of upto Rs 4 lakhs to pursue an MBA course from a recognised university? What's more, you don't have to bother about repayment till you complete the course! Read on to find out more.
Manage investments between debt, domestic equity, international equity, real estate and gold, advises Harsh Roongta.
Are there any existing provisions that restrict you from claiming tax deduction on a number of houses you own? Can you and your spouse claim tax deductions on the house bought jointly by you?
Home loan interest rates are getting costly again. How do you cope with rising prices?
Have a query regarding health insurance or mediclaim policy? Maybe we can help. Drop us a line and our expert, Harsh Roongta, CEO of Apnapaisa.com, will answer it.
Can you take action against your home loan lender if the bank gives loans to new borrowers at lower rates and doesn't reduce rates on your loan? If yes, then what action can you take? Get Ahead home loan expert Harsh Roongta sheds some light on these and many other home loan issues.
Home loan expert Harsh roongta answered home loan queries of Get Ahead readers. Here's the chat transcript for those who missed the chat.
Do you know what a step-up home loan is? Why is it good for young professionals? Home loan expert Harsh Roongta has the answers.
It makes sense to prepay your home loan if you have surplus funds, says home loan expert Harsh Roongta.
Offset home loans are available under different names. But do you know if they are beneficial to you or not? Read on.
Using the credit card to make a down payment -- particularly when you don't have enough money to clear your bill -- is an expensive proposition.
What are the best interest rates? Is an overdraft facility better than an EMI option when going in for a car loan? Get Ahead expert Harsh Roongta has the answer.
The floating interest rates on home loans have increased sharply in the last few years. Home loan expert Harsh Roongta explains how to solve the problem.
Is it the right time for you to invest in your first home? Expert Harsh Roongta tells you what to do in such a situation and several others involving home loans.
Can you run a business by taking personal loans or structured loans? What are the drawbacks of doing business on such terms? Personal loan expert Harsh Roongta gives his advice on such tricky finance issues.
Home loan expert Harsh Roongta discusses how to cope with rising EMIs as floating rates move up.
There are many reasons why taking an unsecured personal loan makes more sense than borrowing on your credit card.
You need to think of the costs and prepayment charges before taking one but it is better than revolving credit on your card.
You and your spouse are co-borrowers on a home loan account. Your spouse, though, is not a co-owner. Can s/he claim tax benefits? Read on.
Home loan rates are on an upswing once again. Will it help to switch from a floating to fixed home loan rate?
Whch credit card best suits you? How do you deal with wrong billing? Find out the answers to these and other credit card related queries
Not paying your credit card bill, or not paying it on time, can reduce your credit rating when you apply for a loan.
Home loan expert Harsh Roongta tells you what you can do if your bank has increased the interest on your home loan.
Home loan expert Harsh Roongta has the answer.
Several questions need to be answered before you take a home loan. Here are some of the answers you are looking for.
Banks and friendly neighbourhood jewellers can serve as good channels to provide liquidity for gold deposits with built-in incentives for them, suggests Harsh Roongta.
While managing their finances, individuals can make it a rule to seek advice from an expert or feedback from a trusted colleague or friend.
'In most schemes, where the monthly investment is a fixed amount, investors run the risk of the price of gold rising during the tenure of the recurring deposit,' notes Harsh Roongta.
Whatever you do, continue to pay your loan EMIs and insurance premiums for term and health policies (not investment-based policies) on time. Then try to buy yourself some breathing space, says Harsh Roongta.
Home loan expert Harsh Roongta throws light on complex problems of tax benefits for housing loans.
Having a single point KYC that is automatically used across all financial and non-financial entities is a single piece of reform that should be an easy win to achieve, points out Harsh Roongta.
Not just unclaimed bank deposits, there are thousands of crores of rupees locked in unclaimed shares and insurance policies lying with many institutions across India.
It's possible to curb tax evasion using high-end technology. But it requires an honest intention to make use of the treasure trove of data that is captured, points out Harsh Roongta.
The Vivaad se Vishwas Tak scheme will be one area where some much-needed revenue can be collected by the government. The scheme can be more successful if some specific steps are taken, says investment advisor Harsh Roongta. This results in a very high tax demand. Investment advisor Harsh Roongta takes you through the maze of appeals and counter appeals.
Apart from its enforceability through courts due to it being part of the I-T Act, two other factors will help ensure the taxpayers' charter is implemented, at least in letter (if not in spirit) this time around, points out Harsh Roongta.
Like the UPA government, probably the NDA government also feels that hardships caused to taxpayers are just collateral damage and that taxpayers are too few and even those few don't have a vote (non-individuals) or don't vote, says Harsh Roongta.
As long as the money has been 'paid or deposited in the previous year', an assessee should be eligible for tax relief, says Harsh Roongta.
The loss to policyholders due to massive mis-selling of insurance policies by trusted private sector and public sector banks will be well in excess of Rs 2 trillion, warns Harsh Roongta.
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