Things to Keep in Mind Before Applying for a Loan Against Securities

You may have built your investment portfolio thinking of future needs, retirement, and emergencies. The various securities you have, be it stocks, mutual funds, bonds and other investments, are a way to grow your wealth and provide liquidity when you face a cash crunch. Since your securities offer high returns, especially when invested in the long term, you no longer need to sell them, to access funds. Instead, you can use your securities in another way, by taking loan against them. A loan against securities uses your securities as an…

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The Top 3 Samsung Smartphones in India

Samsung was incepted way back in 1969 as Samsung Electric Industries and is a South-Korean company which makes TVs to semiconductors. Samsung launched its first smartphone in 2009, and its first Android tablet saw its launch in 2010. With the passage of time, the company has emerged as one of the biggest smartphone players globally. Even in the Indian smartphone market, the company is one of the top two smartphone manufacturers along with China-based Xiaomi. If you are a fan of Samsung smartphones and wanted to the tops selling smartphones…

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Top 3 Benefits of Floating Interest Rates in India

When it comes to applying and securing a loan in India, your prospective lenders will offer you two types of interest – fixed and floating interest rate. Some borrowers face the dilemma of fixed interest rate vs floating interest rate while deciding to avail the best loan rates that could help them save money. Applying for the fixed interest rate means paying a fixed loan EMI over the tenor. People with a fixed income and who don’t want to hamper their monthly income opt for the fixed rate. It saves…

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Advantages And Tips of Buying Car Insurance policy

Car insurance is mandatory by law and if you are planning to buy a car in India, you will either need to have a third party or a comprehensive car insurance scheme. When you buy car insurance online or offline, it offers a compensation as per your policy terms for any bodily damage or even death. If you opt for a third party car insurance, it protects you and anyone else and property damage or anyone else (family member) when you drive a car. A third party car insurance is…

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Top Bangalore Localities to Invest in Real Estate: Provident Welworth City

Like in any other city of India, the real estate market in Bangalore is quite stable since last 7 to 8 years. Most of the demand is consumption driven. If you keep end-user viewpoint in mind, you can generate good returns out of your investment. The apparent parameters to consider for home buyers are location, reputation of developer, and price. Some of the promising locations in Bangalore are, Yelahanka, Kanakapura Road, Sadashiv Nagar, Devanahalli, Hennur Road, Whitefield, and Bannerghatta. Yelahanka Yelahanka is known for defence establishments and it also provides…

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How to maximize your credit card rewards

Credit cards can be really beneficial and they can make life easy, enabling us to buy things whenever we want. However, the biggest advantage is that one can enjoy credit card rewards and these rewards can be in the shape of benefits and special discounts and offers on future purchases. Here are some ways in which one can maximize the credit card rewards and if one has the Bajaj Finserv RBL Bank SuperCard, a number of benefits can be enjoyed by the user. It is important to be organized and…

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How to Identify which Home Loan Scheme is Good?

Owning a home is a dream for every person but the huge cost involved in it makes it impossible for most people to turn it into reality. Home Loans have however helped in making this dream come true for a number of people. Home Loans may some like a lucrative deal but it comes with huge long term responsibilities. So before you apply for Home Loan the buyers should have a thorough knowledge about every aspect for Home Loans. Here are a few Home Loan eligibility factors that a first…

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Prepaying your Loan Against Property – Good Idea or Bad

A lot of you out there might feel that prepaying a loan is not that big of a deal. Some people don’t even consider it when they get an opportunity to do so. However, what you don’t realise is the longer you stretch the debt, the more you have to pay loan against property interest rate. Apart from this, it also adds to your mental burden of having to pay instalments every month. Initially, stretching out your loan against property in India was considered to be a good thing since…

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