Hi Team. My recent CIBIL score is 626. I have one unused credit card with overdue amount 900 rupees only and this reflected in my cibil report with written off status. I am currently applying for  home loan, so can I pay this over due and get the NOC from credit card department and get this […]

Hello, I am going for a home loan that is around 30 lakh and short of 5 lakh for paying the 20% remaining amount. I do not have any loan and now applying for a home loan. The question is : To get the 5 Lakh (20%) amount can I apply the home loan first […]

Hi Manish, I have settled couple of credit cards in last years and my CIBIL score is NA. My wife has never taken any loan and is clear. She is a government employee. I want to know if my wife applies for a home loan and i also applies along with her(Jointly),are there any chances […]

I have started  sbi max gain account in 2011. In 2013, I deposited Rs. 22500 over a period of time. Then to decrease the rate of interest, I paid 11153 from the same account. Now should the available balance, ie. the amount i need to withdraw be 22500-11153=11347. But the available balance shown is only […]

I am purchasing a under construction flat. Due to 20% booking charges I need to go with 10-80-10 scheme. which is giving by LIC on fixed rate for first 2 yrs, agent saying after this period I can shift it to SBI by paying some charges. Is it really true that I can shift to […]

Hi, I want to apply for SBI Maxgain home loan jointly with my wife (primary applicant). I will be the co-applicant. Agreement carries both our names. Loan amount: 42 L Property: Under construction I have few doubts before apply. Request to clarify this. 1. I want to process my loan from X branch. However, neither […]

Recently I purchased a house in my son’s name who is 1 year old. So shall me and my wife can get a home loan and tax benefits there after. If yes what all documents bank would ask for. FYI.. we don’t have marriage certificate yet.. but in son’s birth certificate our name is there.

Hi, I have taken education loan from SBI of 4 Lacs. The loan is approved but i have not taken any disbursement of it till date. Could you please tell me if i dont take it in future or take it late then shall i be incurred any charges on it… Will it get cancelled […]

Hi, I have got SBI Maxgain Home Loan sanctioned(80%, 32Lac) for Ready to move in Property(worth 40Lac), Since I have more eligibility my SBI agent suggested to give request letter in the Bank to increase my loan sanctioned amount to 85% though Yuva Scheme. Requesting SBI as per Yuva scheme, will change my loan type […]

Hi, I have a SBI Home Loan (Max gain). I have some spare amount (say 1 lakh) and want to pay it off permanently to the bank and do not want to place it in my OD account.  I want to do this so that I can cover Section 80C with home loan principal. But, […]