Name:
E-mail:
Message:
City: Others
Employement Status: Salaried
Date of Birth: 15-05-1958
Earning Members: 1
Dependants: 3
Net Salary: Rs. 15000
Assets
Property: Financed
Vehicle: Financed
Other Assets: Owned
Loan Details
Loan Type: Other Loans
Loan Amount: Rs. 500000
Tenure: 48
Emi: 18000
ROI: 18
Emi Paid: 18
Loan Type: Property Loan
Loan Amount: Rs. 600000
Tenure: 180
Emi: 6500
ROI: 9
Emi Paid: 84
Card Details
Payment Due Status: Full Payment
Outstanding on Card: 160000
Query: except home loan of six lac i want to consolidate all other loans at one place with less emi's and extended tenure.
Date:
Message:
Dear Deep
To help me prepare a personalised debt consolidation plan for you, I need the following information from your end.
Initial Loan Amt |Tenure|Rate Of Interest|EMI|No of EMI Paid
Loan 1:
Loan 2:
You will also need to list your Credit Card outstanding and Net Income.
Looking forward to your response on this.
Please revert with any clarifications on the above answer.
Date:
Message:
detail of my loans_ :- loan 1- rupees , 3,00,000.00 taken from other banks as initial amount for 48 months out of which 18 installments have been paid amount of emi is rs. 10000.00 balance o/s is 220000.00 approx. rest 2,80,000.00 taken from market monthly intt. of which is Rs. 7000.00. loan 2:- housing loan from employer initial loan amount Rs. 7,00,000.00 for 16 years repayment out of which 82 installments of Rs 6500/- has been paid loan 3:- Credit card total o/s is Rs 1,60,000.oo for which min. amount every month is payable appox. 8,000.00. my net income from all sourses is :- gross- Rs 3,86,000.00 p/a & net in hand is Rs 2,16,000.00 i.e. Rs 18000/- per month. please try to get a solution keeping aside my housing loan..
Date:
Message:
Dear
On the basis of details provide above,if the value of your property has been increased then you should go for a Top up.
With the funds you can pay your credit card outstanding.
Because of less funds it wont be possible for you to close your Personal loan.
Please 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.