Date: 2008-09-26 10:10:28
Message:
City: Thane
Employement Status: Salaried
Date of Birth: 06-04-1979
Earning Members: 2
Dependants: 3
Net Salary: Rs. 29000
Assets
Property: Financed
Vehicle: Owned
Other Assets: Do not own
Loan Details
Loan Type: Property Loan
Loan Amount: Rs. 700000
Tenure: 240
Emi: 6811
ROI: 11.50%
Emi Paid: 26
Loan Type: Personal Loan
Loan Amount: Rs. 87000
Tenure: 60
Emi: 2500
ROI: 21%
Emi Paid: 9
Loan Type: Personal Loan
Loan Amount: Rs. 27000
Tenure: 36
Emi: 1100
ROI: 19
Emi Paid: 23
Card Details
Payment Due Status: More than M A D
Outstanding on Card: 525000
Query: I am currently in a very bad debt trap & need a debt cosolidation kind of loan.
I can pay about 75% of my salary for loans but at the moment my full salary goes for payments & that also not on time.
Kindly assist me.
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Date: 2008-09-26 12:13:27
Message:
Do you have any assets you can leverage / mortgage / liquidate to improve your cash flow situation ?
Please revert with any clarifications on the above answer.
Regards,
Amitoj Sethi
www.deal4loans.com
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Date: 2008-09-26 15:12:53
Message:
Current home loan on my existing property is 7 Lacs & current market value of my Flat is now + 20 Lacs.
This is only my asset if helpful then pls assist.
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Date: 2008-09-27 16:46:23
Message:
Yes, you can take a top-up loan on your property & use the funds to clear off your dues first & then the loans with the highest interest rate first.You can approach your existing bankers for the same.
Please revert with any clarifications on the above answer.
Regards,
Amitoj Sethi
www.deal4loans.com
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Date: 2008-09-29 08:55:49
Message:
I have already approached my existing banker but they refused because there were some EMI's bounced in past & they require clear track record.
But now i am trying with other banks for Balance Transfer of my Home loan & then Top up on that but no so sure weather i will get success because every bank will go through track record & there only my case will be blocked.
Please assist me how & where i can avail this facility.
Regards,
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Date: 2008-09-29 11:51:57
Message:
Please post your requirements on www.deal4loans.com and representatives from various banks will get in touch with you.Also you can approach nationalised banks as they normally do not check the CIBIL report.
Please revert with any clarifications on the above answer.
Regards,
Amitoj Sethi
www.deal4loans.com
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Date: 2008-10-04 10:53:06
Message:
i have tried with many banks but due to CIBIL is showing outstanding against my name not able to get Top up. Kindly assist how i can come up with this problem as my situation is going worst day by day.
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Date: 2008-10-06 10:23:22
Message:
The only solution would be then to regulate your expenses and get into a habit of saving a portion of your salary every month.
Prudence in expenses is the only trick.
Please revert with any clarifications on the above answer.
Regards,
Amitoj Sethi
www.deal4loans.com
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