Date: 2008-05-30 02:07:18

Query : I have multiple loans running and credit card outstanding is there. please advice me that i want make all these credit outstandings into 1 EMI. i am not able to lead my life with simply paying min amt in the case of credit card and my standard emi's for loans. i worried abt my credit outstanding.

Loan1:100000
reducing rate: 14.1% annum
Tenure: 48
EMI: 2733
Paid: 11 mnths

Loan 2: 150000
reducing rate: 13.5% annum
Tenure: 48
EMI: 4062
Paid: 5 mnths

Card O/S:
citi: 95859
hdfc:60000
SBI: 20000

My Net Take home is 30,000

Date: 2008-05-29 07:08:03
Query : Sir,

I am terribly upset in paying these EMI's. I feel it would be better to consolidate and pay a single EMI for various loans.

i have availed the loans at the following rate of interest.
Rs.99000 @ 15.5% flat
Rs.80000 @ 20% diminishing