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Category: Loans

How to quickly Prepay Rs 50 lakh home loan in just a few years?

by Dev AshishNovember 12, 2020November 11, 20206 Comments

How to quickly Prepay 25-year Rs 50 lakh home loan in just a few years. House purchase in India (2021) is one of the biggest decisions for most people, both financially and emotionally. So if you have purchased a house…

Read More How to quickly Prepay Rs 50 lakh home loan in just a few years?

Home Loan, Loans

Pause SIP before Stopping. But pay EMIs first & avoid Moratorium.

by Dev AshishJune 2, 2020Leave a comment

I got a mail from a reader. He wanted to know whether it made sense to take the loan moratorium but continue his SIP. Or should he stop the SIP? No doubt the current situation has reduced many people’s ability…

Read More Pause SIP before Stopping. But pay EMIs first & avoid Moratorium.

Investment Advisory, Loans, Mutual Funds, Personal Finance, SIP

How EMI Moratorium increases Interest + Tenure? (Simple Examples)

by Dev AshishMay 26, 2020May 26, 20203 Comments

RBI first announced a 3-month moratorium (March-May 2020) for loans. But with the lockdown continuing and people still facing problems with their finances and loan repayments, RBI recently extended loan moratorium by 3 more months (June - August 2020). If…

Read More How EMI Moratorium increases Interest + Tenure? (Simple Examples)

Home Loan, Loans

3 Month Extension of Loan Moratorium (6 Months: March to August 2020)

by Dev AshishMay 22, 20201 Comment

RBI has extended the loan EMI moratorium by another 3 months. That is, it is now applicable up to 31st August 2020. So with this extension, the total loan moratorium due to Covid19 in India is now 6 months. And…

Read More 3 Month Extension of Loan Moratorium (6 Months: March to August 2020)

Loans

High EMI Vs. Low EMI

by Dev AshishMay 10, 2020May 11, 2020Leave a comment

Many people these days are facing cash crunches. And it’s easy for us to say that they shouldn’t take personal loans and they should have had emergency funds in place for such times. But the fact is that life has…

Read More High EMI Vs. Low EMI

Loans

COVID-19 Personal Loans: Should you take it now & Prepay Later?

by Dev AshishMay 4, 2020Leave a comment

Many banks and NBFCs are looking to help out people whose cashflows have been disrupted due to the ongoing COVID-19 pandemic. And this help has been structured in the form of a personal loan with a new label - COVID…

Read More COVID-19 Personal Loans: Should you take it now & Prepay Later?

Loans

Check Eligibility before Applying for Personal Loan during Unexpected Cash Crunch

by Dev AshishFebruary 23, 2020February 24, 2020Leave a comment

More and more people are taking personal loans in India. And if I remember correctly, I read some report that said that the personal loans now form a major chunk of the overall number of loans being disbursed in India…

Read More Check Eligibility before Applying for Personal Loan during Unexpected Cash Crunch

Loans, Personal Finance

Personal Loan Or Credit Cards: Which to Use & When?

by Dev AshishFebruary 21, 2020February 18, 2021Leave a comment

You need money and you don’t have money. And why do you need it? Assuming its for genuine reasons like medical expenses, temporary disruption in your cashflows, urgent unplanned travelling, etc., what are your options then? (Let’s skip borrowing money…

Read More Personal Loan Or Credit Cards: Which to Use & When?

Loans, Personal Finance

Why do you keep getting Pre-Approved Personal Loan Offers?

by Dev AshishFebruary 2, 2020February 7, 2020Leave a comment

Sounds familiar? You are not alone. Like you, even I and millions of others are bombarded with unsolicited SMSs, emails and flashy pictures on net banking websites congratulating you on being among the chosen few who are just one step…

Read More Why do you keep getting Pre-Approved Personal Loan Offers?

Loans

Prepayment Strategy if you have Multiple Personal Loans

by Dev AshishJanuary 13, 202020 Comments

Do you have multiple personal loans? Hmm…. And do you now feel a little bogged down with all those EMI payments every month? It’s natural to feel that way, even if you had been careful in choosing personal loans when…

Read More Prepayment Strategy if you have Multiple Personal Loans

Loans, Personal Finance personal loan

Home Loan Tax Benefits – How much do You Really get?

by Dev AshishDecember 14, 2018October 24, 20207 Comments

In India, home loans come with tax benefits. You already know that. And there is no denying that these tax benefits make it all the more attractive to buy property using home loans. But time and again I have seen…

Read More Home Loan Tax Benefits – How much do You Really get?

Financial Planning, Home Loan, Loans, Personal Finance, Tax Saving EMI, Home Loans, loans, tax saving

Choosing & Managing a Home Loan Wisely

by Dev AshishOctober 30, 2018October 24, 20203 Comments

I was talking to a friend recently who was planning to buy a house. No, I did not convince him to continue staying on rent. 🙂 His life, his decision and who am I to tell people about their big decisions.…

Read More Choosing & Managing a Home Loan Wisely

Home Loan, Loans, Personal Finance EMI, Home Loans

Short Term Personal Loans – To take or Not?

by Dev AshishOctober 13, 2018November 23, 20191 Comment

After the recent fall in stock markets, I have (once again) started getting emails asking whether it makes sense to take a loan and invest now. 🙂 This isn’t surprising. Whenever markets start falling or remain subdued for some time,…

Read More Short Term Personal Loans – To take or Not?

Loans, Personal Finance

How much Housing Loan should you take?

by Dev AshishSeptember 1, 2018October 24, 20201 Comment

Most people need a housing loan to purchase their first house. And I know what you might be thinking when you saw the title of the post 'how much home loan should you take'. As much as possible or as…

Read More How much Housing Loan should you take?

Financial Planning, Home Loan, Loans, Personal Finance

Loan Free Life – Possible and Worth the Effort!

by Dev AshishAugust 2, 2018November 23, 20196 Comments

Who wouldn’t want to live a debt-free life? This image below aptly depicts what I would need thousands of words to explain 🙂 But let us be fair - at times, loans are unavoidable. You just have to take some…

Read More Loan Free Life – Possible and Worth the Effort!

Financial Planning, Home Loan, Loans, Personal Finance

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Recent Articles

  • How to get Rs 1 crore on 18th Birthday of your Child? March 6, 2021
  • How to benefit from Home Loan Rate Cuts? March 5, 2021
  • No Rate Cut: EPF Rate unchanged at 8.50% for FY2021 March 4, 2021
  • Sovereign Gold Bonds Issue Price History (Updated 2021-22) March 3, 2021
  • Home Loan Rates below 6.7%. Should you buy a house now? March 2, 2021
  • Gold down 15-20% from peak. Is it time to buy gold? March 1, 2021

About Dev

I help people align their investments with their real financial goals. This website is about investing, personal finance & financial planning.

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Dev Ashish is a SEBI-registered Investment Advisor (RIA Reg. No. INA100005241)

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