Date: 2009-07-13 13:46:55
Name: Sanket

Message:

City: Pune
Employement Status: Salaried
Date of Birth: 30-11-1982
Earning Members: 3
Dependants: 0
Net Salary: Rs. 120000
Assets
Property: Financed
Vehicle: Owned
Other Assets: Owned
Loan Details
Loan Type: Property Loan
Loan Amount: Rs. 935000
Tenure: 120
Emi: 11720
ROI: 10.5
Emi Paid: 70

Loan Type: Personal Loan
Loan Amount: Rs. 300000
Tenure: 60
Emi: 15000
ROI: 24
Emi Paid: 24

Loan Type: Personal Loan
Loan Amount: Rs. 855000
Tenure: 60
Emi: 17000
ROI: 19
Emi Paid: 32

Loan Type: Other Loans
Loan Amount: Rs. 800000
Tenure: 60
Emi: 15000
ROI: 13
Emi Paid: 32

Loan Type: Personal Loan
Loan Amount: Rs. 250000
Tenure: 48
Emi: 15000
ROI: 24
Emi Paid: 15

Card Details
Payment Due Status: M A D
Outstanding on Card: 25000

Query: Not able pay EMI due to many loan at a time

Date: 2009-07-13 14:28:48

Message:

Dear Sanket,

Try taking a top up on your Home loan.To increase eligibility make other earning family members as Co applicants.
Whatever extra cash you get Prepay your Personal loan of 2.5 Lakhs and card outstanding.
This will reduce Interest charges and help you to manage better.
Regards

Please revert with any clarifications on the above answer.

Date: 2009-07-13 14:31:40

Message:

Thank You, But not able to take top up on home loan.
Date: 2009-07-14 10:59:28

Message:

Sanket,
Would you be to balance transfer your home loan with atop up with a new bank.

Check that option

Please revert with any clarifications on the above answer.

Date: 2009-07-14 11:00:58

Message:

Thank you