Here are four ways to keep your credit score in the green
Each partner should discuss retirement accounts, property owned prior to marriage.
Credit card spending reached Rs 2 trillion in October, a 14.5 per cent rise from September, largely driven by festival season purchases. However, the volume of outstanding credit cards increased only marginally during the same period. The spike in spending comes at a time when nearly all major credit card issuers are calibrating their growth in the segment due to visible signs of stress.
Harshala Chandorkar of CIBIL will answer your queries on how to read a credit report between 3 pm and 4 pm on Monday, August 19.
Lenders get a clear idea about your financial health, risk profile and personality trait
Whether you like it or not, money does play a huge role in deciding your future spouse.
Wedding planner WedMeGood estimates that the average wedding budget has surged to Rs 36.5 lakh this year, with destination weddings averaging Rs 51 lakh.
Middle class Indians have grown up with the belief that living on credit is essentially a bad thing. You are in trouble if you think the same, cautions Rajiv Raj
Too much unsecured loan can harm your CIBIL rating.
Before applying for a home loan, make sure you have not been delinquent in the past six months at least.
The Credit Bureau of India (Cibil) is set to launch a credit score database that will reflect the creditworthiness of every borrower in the country.
These myths can cost you a bomb!
Lenders use these scores only as a preliminary filter.
Experts say you should be certain of living in a city and locality for a long time before purchasing a home.
To most of us they are one and the same and are often used interchangeably in conversation. But they are not the same thing.
Here's why it happens and how you should avoid it.
It is absolutely difficult to retain a healthy credit report if you have a history that shows your inability to cover up debts and repay loans regularly.
Self-employed individuals often face hurdles in buying term insurance due to financial documentation that doesn't fully reflect their earnings. This complicates underwriting.
Make minimum payments on all debts, then use extra funds to tackle the smallest debt first.
Credit score may not matter much if banks find any of these 6 attributes in your credit history.
'Credit card debt comes with high interest cost and stringent penalties.' 'If you do not repay on time, the costs balloon.'
Swiping your credit card to take that dream vacation? Beware, says Harshala Chandorkar, Senior Vice President -- Consumer Services and Communications!
Enhancing your credit score is the key to improving loan eligibility and securing a favourable interest rate.
If you are wondering what all this is about and why should your wife need an independent score then read on to find out.
'Lack of self-control over spending leads to a credit card debt trap.' 'People think they have money and spend using a credit card, but when it's time to pay, they realise they don't have the money.'
'Save the entire chain of e-mail exchanges so that you have documented evidence to show you informed the bank about the issue.'
And get lenders offer you the best possible interest rates on home, personal and car loans.
The agency said, 'The downgrade reflects Moody's expectation that China's financial strength will erode somewhat over the coming years, with economy-wide debt continuing to rise as potential growth slows.'
Indian consumers can now access their CIBIL TransUnion Score to make informed borrowing decisions and avail speedier access to credit.
'A credit line on UPI is going to make banks think about credit fundamentally as they digitise the credit process entirely.'
Your credit score is more than just a number. Here's how you can read and understand its importance.
'If the portfolio growth rate is higher, take this loan. If it is lower, liquidate your investments.'
'Look not just at the interest rate but also the processing fee.'
'Building a credit history is a gradual process that requires at least 6-12 months of consistent credit activity.'
It is important to understand how your salary influences your loan amount and implementing these valuable strategies can significantly impact your eligibility for the personal loan you desire, says Kamaljeet Rastogi.
Building your credit from scratch during your post-graduation years is a good idea because it gives you the opportunity to build a solid foundation for your credit history. Here's how to go about with it.
'Try to obtain a secured personal loan or credit card by offering some collateral, such as a fixed deposit or gold.' 'Not only will this improve your eligibility, but the lender may even offer a lower interest rate.'
For the time being, digital lending remains a grey area, notes Tamal Bandyopadhyay.
Here's how you can reward yourself for having a good CIBIL score.
If you're a beginner eager to embark on wealth-building journey in the real estate sector, Karan Shetty shares this comprehensive guide on how to get started.
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