Date: 2010-09-01
Message:
City: Chennai
Employement Status: Salaried
Earning Members: 1
Dependants: 2
Net Salary: Rs. 55000
Assets
Property: Financed
Vehicle: Owned
Other Assets: Owned
Loan Details
Loan Type: Property Loan
Loan Amount: Rs. 2250000
Tenure: 240
Emi: 22087
ROI: 10.25
Emi Paid: 18 Months
Loan Type: Personal Loan
Loan Amount: Rs. 500000
Tenure: 60
Emi: 11500
ROI: 14.5
Emi Paid: 10 Months
Card Details
Payment Due Status: M A D
Outstanding on Card: 5500
Payment Due Status: M A D
Outstanding on Card: 2500
Payment Due Status: M A D
Outstanding on Card: 2000
Payment Due Status: M A D
Outstanding on Card: 1000
Query: I looking out for a below aspects
1) Can i merge all these loans and save some money?
2) Can i avail ESI scheme for the Credit Cards and try to close this as early as possible.
3) Any other way i can come out from all these
Date: 2010-09-02
Message:
Dear Sir/Madam,
You should visit the nearest branch of CitiFinancial Consumer Finance India Ltd as they offer Debt Consolidation Loan.
Second option is to go for a top-up loan on your existing Home Loan and that amount can be used for repaying all your Credit Card/Personal Loan dues.
Please revert with any clarifications on the above answer.