Ask Amitoj- The Loan Guru

Date: 2008-09-04 11:19:19

Query : i hve taken 20000 from some one of my college on5% per month also i have 45000 credit card bill. and i have taken personal loan for 30 000 paid 14 instalments for rs 1565.00 and 16 instalments remaining.apart from this i have a bike loan on which i am paying 1965.00 per month n 12 instalments are paid and 12 remaining . my credit cards bill increasing day by day . pls help...

---------------------------------------------------------------------------------
Date: 2008-09-04 11:53:37

Message:

Date: 2008-09-02 23:27:01

Query : i am fed up with my finanacial mess for which iam only responsible.. due to family responsibilities, i had to depend on credit cards, loan l .. dont know how to come out as 50 % pay,ment going towards loan/credit card payment .. pl advise
-------------------------------------------------------------------------------------

Date: 2008-09-03 13:02:12

Message:

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

Date: 2008-09-03 11:03:14

Query : i have a debt of 800000 and a credit card debt of 100000. i find it very diffcult to manage my finances. i am in need of debt conslidation.
---------------------------------------------------------------------
Date: 2008-09-03 13:10:41

Message:

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.

Date: 2008-09-02 15:31:32

Query : I have Personal loan in four banks, Citifinancial, Cholamandalam, HSBC, and Barkalays finance, I would go for a consolidation of all Personal loan into One single loan EMI I have never bounced a cheque and the track record is good.Please suggest me a bank which can take over my existing loan in these bank . As on 30th September 2008 my net take home is 13000/- (Thirteen thousand only).
-------------------------------------------------------------------------------------------
Date: 2008-09-02 23:27:59

Message:

Date: 2008-09-02 16:58:09

Query : I have huge debt. I need help to clear.
My Monthly take home salary is Rs 45000
My personal Loans EMI is 29000
Loan Details are ;
bank Principal Int % EMI Tenure paid
Citi 500000 15 11895 60 2
ICICI 276000 14 7543 48 8
barclays 200000 17 5771 48 5
Citi Finan 30000 14 1819 18 5

Credit cards. Due
ICICI 65000
HDFC 65000
SCB 35000

Help me sir
-------------------------------------------------------------------
Date: 2008-09-04 11:18:17

Message:

Date: 2008-08-29 19:41:05

Query : PRESENTLY I AM PAYING 18 BANK EMI AMOUNT 4 LACS PER MONTH LAST TWO MONTH I AM NOT PAYING ANY EMI DUE TO BUSINESS LOSS I WANT TO PAY SINGLE EMI FOR ALL MY LOANS.CONSOLIDATE OF 18 BANK IS IT POSSIBLE.
--------------------------------------------------------------------
Date: 2008-08-31 12:18:35

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

Date: 2008-08-26 18:12:18

Query : I have 2 personal loan running of EMI 3693 & 3102. I have Credit card debts of Citibank - 51000, DB Bank - 31000, ABN Amro 10000, HDFC - 31000. I paying minimum amount for all my credit card... The interest rate is high... I want to consolidated my credit card debts into one as single one... Kindly help me... Banks are not providing loan as I already have 2 loans running... Please help me
------------------------------------------------------------------
Date: 2008-08-27 13:49:17

Message:

Date: 2008-08-25 20:09:54

Query : i want to convert into single loan which 's EMI should be less than the current EMI'S & with less interest rate.
-------------------------------------------------------------------
Date: 2008-08-26 10:10:17

Message:

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.

Date: 2008-08-26 16:55:22

Query : I have multiple loans going on and credit card outstanding bill to be paid,
I request you to give me some idea on Debt consolidation plan for reducing my debt.

thanks
----------------------------------------------------------------------------------------
Date: 2008-08-26 17:15:20

Message:

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:

Date: 2008-08-19 19:10:30

Query : hi sir,
I have totaly lost control over my finances in last 4 months as i was without job, but got a job now. I have 2 personal loan details are as follows:-
Initial Loan Amt |Tenure|Rate Of Interest|EMI|No of EMI Paid
Loan 1: 100000|36|18|16
Loan 2: 100000|48|22|11.
Credit card 1: Rs. 52000
Credit card 2: Rs. 70000
Credit card 3: Rs. 50000
Credit card 4: Rs. 60000
Credit card 5: Rs. 50000
Net Income: Rs. 240000

---------------------------------------------------------------------------------------
Date: 2008-08-20 12:16:24