Q1
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Personal Loan?
I want to know how do I get get a personal loan of a decent amount of money. Repayement of loan should be in EMIs. I have newly made PAN card, so haven't any IT return at all. Everybody is asking for 1-2-3 years IT returns. Could you please let me know whethere I'll be able to get any loan or not, if yes then from where if not then never mind.
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Asked by Debraj on 2006-08-14 06:08:20. |
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You can go for a personal loan without IT papers. There are many surrogate schemes that are available in the market such as
1)LIC Premium surrogate - you should have a LIC policy in your name and should be paying the premium on a regular basis. Also there is one more option in this LIC scheme - if you walk down to the LIC regional office and try to get what is the surrender value of your policy - LIC will provide you 90% on the surrended value immediately.
2)Auto Loan repayment surrogate - For this you need to have a car loan running with any financier and the repayment should be clean.
3)Credit Card Surrogate.- you should have a credit card in your name issued by any of the banker.
Hope this clarifies.
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Answered by banker on 2006-08-16 00:08:55. |
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A1
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Q2
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personal loan?
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Asked by deepak a on 2007-04-26 19:04:50. |
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Whats the ?
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Answered by yolandajdukes on 2007-04-26 23:04:39. |
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A2
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Q3
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how to get personal loan? which bank is food in trms of rate of intrest and good customer services?
any one can help me to get personal loan?
I am base in ahmedabad india.
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Asked by VIJAYPRAKASH L on 2009-07-28 00:07:32. |
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Compare interest rates of various banks here:
www.apnaloan.com
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Answered by VG on 2009-07-28 00:07:21. |
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A3
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Q4
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How can I settle my credit card/personal loan debt?
I have credit card/personal loan debts and looking for a lumpsum settlement. Due to financial problems I'm not paid last few EMIs.
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Asked by Sunil P on 2008-06-08 14:06:30. |
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It took time to incur all that debt.....it's going to take time to get out of it.
There is no easy answer.
And unless you win the lottery....no lump sum either.
I highly recommend you read Dave Ramsey's books. He outlines a program to get your debts paid off. He calls them the Baby Steps.
He also has a radio program and web site.
His strategy for paying off debt is not fun. It takes hard work and sacrifice. But you incurred the debt. You signed your name that you would be responsible for that debt. You have to honor your obligations and pay it off. But it helps to have a strategy for how you are going to do it.
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Answered by MSAD on 2008-06-08 16:06:37. |
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A4
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Q5
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i am running with two personal loans and i need 1 Lac personal loan. do i deserve it?
i am running with two personal loans and i need 1 Lac personal loan. do i deserve it? I am earning 2.25 Lacs per A.
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Asked by raja on 2009-09-20 09:09:41. |
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if you are eligible
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Answered by gogo K on 2009-09-21 05:09:37. |
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A5
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Q6
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I need a personal loan mostly for college and i have no cosigner and I will not be 18 until August 28th?
I need this loan to put myself through school and i need the amount of 50,000 or 55,000 dollars but i will not be 18 untill 8/28/2008 and i have no cosigner. Could you help me?
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Asked by Cortney P on 2008-07-29 12:07:43. |
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Most if not all of these are scams. What school are you going to that cost that much a semester and why are you going there if you didn't get any financial aid? I am a junior in college and I don't even have half that amount of debt from all my semesters combined!
If that amount is for one semester it is too high, if it is for the year then your school should allow you to break it in half and only worry about paying for each semester. If that amount if for all of college then you are getting a little ahead of yourself, you need to just go one year at a time. And only worry about this first semester right now.
Most school have a cap on how much money you can borrow for the purpose of paying for school. It is very unwise to get a loan personally to you. A legitimate company will deal directly with the college which means you get into less debt and you have lower interest rates. Do your parents know you are opening yourself up to scams like this?
You must be able to find a cosigner, or if you have no one you should have filed independent with your school so that you would get a super amazing financial aid package. Call the financial aid office and ask for advice, but this is not the place to get a loan. I am sorry. Maybe if you want more helpful advice ask this in the financial aid section?
I am not trying to be mean but taking out loans is too easy sometimes, then when you look back its scary how much debt you do have. Good Luck and please be safer than this!
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Answered by Graduation 2012 = :) on 2008-07-29 18:07:04. |
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 A6
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Q7
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I am looking to buy a plot in Bangalore. Does any bank offer home loan(not personal loans) for the plots?
I want to buy a plot and get the house constructed. I approaced some banks for this and they are ready to give me personal loans, but i am looking to get home loan as i would work our much cheaper and i can also avail the tax benefits. Please let me know if any bank have any such product to offer.
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Asked by Lokesh s on 2009-07-29 12:07:14. |
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LIC HFL is giving 40% of your eligibility for purchase of plot with a condition for you to build home in 2 years.
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Answered by Veers தமிழ் on 2009-07-29 16:07:17. |
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A7
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Q8
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Where can i get personal loan without income proof or IT returns?
how to get personal loan without income proof or IT returns
hi iam from andhra doing business. I have a cafe and institute .institute from 1 year and cafe from 2 years of establishment
i am in search of loan without any security or guarantor.I need nearly 2 lakhs .my bank statement is good.can any one help me in getting loan
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Asked by Kumar K on 2009-09-27 16:09:43. |
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For amount of 2 Lakhs, you will have to give income proof/ IT returns.
Or else get 50,000 each from 4 different banks/institutions. ( I hope for loan of 50,000 they dont ask income proof / IT Returns)
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Answered by vikasbargale on 2009-09-27 16:09:05. |
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A8
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Q9
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I am working at Dubai I need a personal loan up to 40lakhs indianrupee or same value dirhams against my salary?
My salary is 3100 dirhams Is it possible to get a persanl loan upon my salary guarantee?
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Asked by indian on 2009-03-26 11:03:52. |
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A9
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Q10
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Can I apply for home loan if I have already taken some personal loan. what are the conditions?
I have taken 2 lakhs perosonal loan 1 year back. Now I want apply for home loan. can I eligible to apply?
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Asked by Kiran on 2009-09-16 19:09:47. |
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yes you can apply.
only problem is that your home loan eligibility will get reduced accordingly. If you can close personal loan your home loan quantum will increase.
Since home loan rate of interest is less it is better to close the personal loan.
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Answered by Veers தமிழ் on 2009-09-18 07:09:20. |
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A10
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