The group policy that an employer will have taken will not allow you to carry your claims history if you decide to leave that particular job. That means if you do happen to leave that job (but in the meantime there has been an illness to any of the covered persons) than it will be an pre-existing illness as far as taking a fresh independent polcy is concerned, says insurance expert Harsh Roongta.
Industry sources added that Posco India would be assured of a strong marketing network in India through SAIL's extensive all-India network and a dedicated port at Haldia. SAIL also has seven iron ore mines.
Banks report you to the credit bureau if you default on your credit card payments. Here's what happens if you are blacklisted.
The interest payable on personal loan as well as the princiapl repaid will be eligible for a deduction.
In a chat with Get Ahead readers on August 23, loan expert Harsh Roongta discussed the how and why of education loans. Here are the chat transcripts.
You are an engineering graduate and want to pursue higher studies overseas. Do you know how to get an education loan for this purpose? Our education loan expert Harsh Roongta has all the answers.
Has your home loan lender increased your loan period without informing you? Has the lender done this against the agreement you signed with the bank? What should you do then? Read this.
Have you run into a debt trap becasue of your over-indulgence with credit cards and personal loans? Here are a few ways that can help you to get out of this debt trap.
Have you always paid all your EMIs without defaulting? Or have you defaulted on your dues on a number of occasions? Is there any way by which you can get to know your credit rating?
An overdraft loan allows you to continuously withdraw money subject to a maximum amount of outstanding. You are charged interest on the amount used by you.
Gold monetisation scheme will help unlock value of gold.
As a rule of the thumb any money that you do not need for a rainy day and can spare should go towards prepaymnet of all loans (with the possible exception only of home loans in some cases), says personal finance expert Harsh Roongta.
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.
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.
If you have a huge debt, pay up, don't neglect it, says personal finance expert 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 expert Harsh roongta answered home loan queries of Get Ahead readers. Here's the chat transcript for those who missed the chat.
Home loan interest rates are getting costly again. How do you cope with rising prices?
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.
As a general rule of the thumb pre-pay the car loan whenever you can, says personal finance expert Harsh Vardhan Roongta.
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.
One should concentrate on using credit card only for planned expenses rather than trying to plan an optimum usage of all the cards, says Harsh Roongta.
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.
Most borrowers may not be aware, but quite a few banks already offer external benchmark linked home loans to favoured borrowers, says Harsh Roongta.
Several questions need to be answered before you take a home loan. Here are some of the answers you are looking for.
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