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Articles from Arwind Sharma | Selfgrowth.com
- How to Avoid Defaulting on your Personal Loan - by Submitted on Oct 27, 2015 from Arwind SharmaDefaulting can seem like a rather steep risk factor when taking out a personal loan. While this action can have rather serious consequences, there are many ways of avoiding it. So take a deep breath and read on to learn about the basics of dealing with a personal loan default. Avoid Loan ...
Views: 903 - How To Choose Home Loan Lender - by Submitted on Mar 27, 2020 from Arwind SharmaHome loan is an immensely integral part of home buying. After all, which other medium helps you to buy your dream house without disrupting your budget? However, if finding the right kind of home loan scheme is important, equally essential is finding the right lender for borrowing your loan. Home ...
Views: 882 - How to Get a Loan For Chartered Accountants With Poor Credit Rating - by Submitted on Feb 19, 2018 from Arwind SharmaGetting any type of a loan depends on various factors, with your credit rating being one of the major ones. As it is a measure of your loan repayment ability, lenders usually require a minimum credit score to even consider your loan application. However, there are certain lenders that look more ...
Views: 912 - How to Get your Finances Ready for your Child’s Future Goals? - by Submitted on Jan 29, 2019 from Arwind SharmaAs parents, you may want to be able to fulfil your child’s dreams, no matter what they are. However, procuring funds at the last minute will not help you do this, especially owing to inflation. So, start building a balanced investment folio today. You can consider both short-term investment ...
Views: 909 - How to Improve Your CIBIL Score? - by Submitted on Jul 24, 2018 from Arwind SharmaHaving a good CIBIL score is an important criterion to get a personal loan, and may even ensure you get a larger loan amount or a lower rate of interest. There are various ways you can improve your score and gain from the benefits of doing so. A CIBIL score is a rating that is used to ...
Views: 1570 - How to Make GST Work for Small Firms? - by Submitted on Jul 19, 2018 from Arwind SharmaAmalgamating excise duty, VAT, entertainment tax, state and local tax, surcharges, octroi and others, Goods and Service Tax (GST) has emerged as the most extensive tax reform independent India has ever seen. The impact of GST has been large scale affecting import to export, manufacturing to ...
Views: 1081 - How To Make More Money With The Help Of Bajaj Finance FD - by Submitted on Jan 29, 2019 from Arwind SharmaWhy do you need to grow your money? Do you dream of having a beautiful house, car and all the luxuries? Do you dream about a comfortable future after retirement where you can sit back, play with your grandchildren and enjoy your life without having to depend on anyone? Well to make all these ...
Views: 773 - How You Can Increase Your Chances Of Getting A Personal Loan - by Submitted on Jul 16, 2019 from Arwind SharmaDisbursement of unsecured loan involves a certain amount of risk on the lenders’ part. This is because of the absence of collateral. Consequentially lenders are cautious about approving a personal loan. This does not mean that banks or non-banking financial companies (NBFCs) are not eager to ...
Views: 987 - Invest in a Children Future Plan to Secure Your Kids Financially - by Submitted on Feb 21, 2018 from Arwind SharmaYour children look towards you to support them physically, emotionally, and financially. Whether you have a son or a daughter or both, education is their birthright and it should be every parent’s prerogative to ensure their child’s future by making an investment in a children future plan. ...
Views: 1007 - Investment Ideas for Emergency Fund - by Submitted on Sep 24, 2018 from Arwind SharmaAn emergency always comes unannounced, and probably when we least expect it. Hence, it is good to be well-prepared for the challenges life throws at us. It is always advisable to have an emergency corpus that can come to your rescue to meet immediate expenses during unforeseen circumstances. ...
Views: 795 - Is a credit card more beneficial than a line of credit? - by Submitted on Aug 29, 2018 from Arwind SharmaYou always need money for either buying a new house, financing your child’s education, or other requirements. However, certain dire situations call for the need of lump-sum amount which you may not be able to obtain right away. Thus, make sure you fill a credit card application form and ...
Views: 956 - Know Debt Consolidation To Become Debt Free - by Submitted on Mar 27, 2020 from Arwind SharmaToo many unpaid bills and credit dues pull your mind into multiple directions. This consumes a lot of your productive energy, making you feel and look haggard. It therefore, becomes easier when you opt for a good debt consolidation loan plan. Consolidation of all your smaller debts into one ...
Views: 1448 - Need More Money After Taking A Home Loan? Opt for 'Top-Up’ Loan - by Submitted on Sep 05, 2018 from Arwind SharmaIt’s a known thing that such borrowers who avail a Home Loan to buy their dream home have many more wishes or goals left which they can’t fulfill after availing it. It’s because a Home Loan is once in a lifetime obligation that people opt for and since it runs for years, people don’t have ...
Views: 925 - Oppo F5 Hands-on Review - by Submitted on Feb 21, 2018 from Arwind SharmaOppo has been in the Indian mobile industry for some time. It has emerged as one of the major players catching the frenzy of its end-users. The major highlights of an Oppo Smartphone are its camera and clean specs. Oppo F5 Mobile Highlights - A bigger screen with 18:9 and narrow borders - ...
Views: 788 - Paying off a debt? The Amortization schedule is here - by Submitted on Mar 02, 2020 from Arwind SharmaAre you paying off your Personal Loan? Great. This is the best time for you to go through the following section on paying off your dues. You can learn all about Amortization Schedule and how it helps in paying off loans. Amortization Schedule Definition In finance and business, ...
Views: 1011 - Personal Debts: How You can Shred Your Borrowing this Year with Engineer Loan - by Submitted on Mar 08, 2018 from Arwind SharmaAs a professional, you must strive to repay your debt in order to grow your business smoothly. Reducing your borrowings can help you escape the burden of expensive EMI payments and high interest rates. If you use an engineer loan to manage and repay all your outstanding debt, it will also help ...
Views: 998 - Personal Loan as a Means to Improve Life - by Submitted on Feb 14, 2019 from Arwind SharmaA comfortable lifestyle induced with lavish dinners, latest gadgets and frequent vacations, is everyone’s dream. Throughout life, you try to do the best financial planning. It probably begins as soon as you come in your first job and start earning your own money. Financial experts agree that ...
Views: 1024 - Personal Loan vs Gold Loans - by Submitted on Mar 30, 2020 from Arwind SharmaPersonal loans and gold loans are 2 of the most popular forms of loans in the country. While the former is an unsecured form of loan that is approved on the basis of the applicants credit scores and income, the other is provides money by mortgaging the applicants gold reserves. In India, gold is ...
Views: 916 - Personal Loan-Pathway To Accomplish Dreams - by Submitted on Oct 09, 2014 from Arwind SharmaSo, you want to throw a grand birthday party for your kid, go on your much awaited vacation to Bali or buy that latest 40 inches smart HD TV! Catering to your needs as well as desires, in the middle of day to day expenses can be challenging. After all, how are you supposed to spare extra money ...
Views: 1463 - Present Tendency of Pune Real Estate is Beneficial to Buy Property in Pune? - by Submitted on Mar 03, 2020 from Arwind SharmaPune is a growing metropolis. It has also recently been accorded the status of ‘the most livable city in India’. Thus, the real estate sector in Pune holds a great deal of promise. More and more people are buying flats in Pune. Mega properties like Kolte Patil Life Republic are coming up as ...
Views: 1088 - Pros and Cons of Personal Loan - by Submitted on Feb 14, 2019 from Arwind SharmaLet’s admit it, financial decisions are not easy. One has to put in a lot of thought process, usually induced with countless if’s, but’s, what if’s etc. Weighing the pros and cons of a financial decision like whether you should buy a house at the moment or borrow that loan can be quite draining. ...
Views: 1229 - Quick Insights on Calculating Income Tax on Your Interest Income - by Submitted on Jan 07, 2019 from Arwind SharmaYou should be aware that the interest earned above and over a certain or fixed limit invites income tax deductions on receivable interest income. However, not many people are aware or sure how to calculate income tax on interest income. As a result, their interest income keeps getting charged ...
Views: 945 - Refinancing - A Hope for Existing Home Loan Borrowers - by Submitted on Apr 02, 2019 from Arwind SharmaIf you are currently repaying a home loan and find it difficult to make regular EMI payments due to unforeseen circumstances or rising medical expenses, you can still avoid defaulting and make use of lower home loan interest rates prevalent in the market. You can do this by asking your lender to ...
Views: 746 - RERA Rules as Unveiled by Maharashtra - by Submitted on Aug 29, 2017 from Arwind SharmaThe Maharashtra government on Friday discharged its last Real Estate (Regulation and Development) Act rules, which are to a great extent being celebrated for being in favor of purchasers but hostile and strict to biased real estate developers. The guidelines will become effective from May 1. ...
Views: 1421 - Risk Based Lending: A New Age for Loan Against Property - by Submitted on Sep 01, 2018 from Arwind SharmaNew financing concepts are emerging every day for a loan against property in India. Also, remembering all the details about the same is never possible. One such trend of loan against property financing service is risk-based lending. It is an interest calculating criteria based on the risk ...
Views: 1158 - Some Housing Loan Products Available in India! Details Here - by Submitted on Jun 14, 2018 from Arwind SharmaJust like food and clothes, a shelter in the form of a home is also a basic necessity of a human being! For the same purpose, either you rent, lease or buy a home. While it is the dream of every individual to build a home, it is their income and credibility that decides if he/she is eligible ...
Views: 1437 - Step by Step Guide to Take Home Loans in India - by Submitted on Mar 09, 2018 from Arwind SharmaWith the real estate market booming everyday, now’s the right time to opt for a home for you and your family. There are a lot of thoughts that go into purchasing a property. You go through the laborious journey of picking an area, a property, gauging out its price and value, and a lot of other ...
Views: 1397 - Steps to Follow For Home Loan Balance Transfer - by Submitted on Apr 20, 2018 from Arwind SharmaDo you have an existing Home Loan account, and paying a higher Home Loan interest rate along with bad customer services? You need not suffer as you can always switch your current Home Loan account to a new lender offering a lower rate, and save money! Yes, leading lenders always look for ...
Views: 1121 - The Benefits of a Bajaj Finserv Personal Loan for the Residents of Mumbai - by Submitted on Mar 26, 2018 from Arwind SharmaMumbai, the commercial capital of India, attracts millions of migrants. So, no wonder the cost of living is very high in the city. Sustaining oneself in Mumbai is a challenge in itself. But that should not stop you from taking your family out on a holiday or surprise them with the latest ...
Views: 1214 - The Impact of Renovation on Your Home Insurance Policy - by Submitted on Jan 09, 2018 from Arwind SharmaA remodeled home not only improves the looks and enhances comfort, but also earns a higher valuation. In such a case, will the existing home insurance coverage suffice? Do the renovations have any impact on your existing home insurance policy? Yes, it does. While minor changes will not have ...
Views: 992 - Think About Stamp Duty and Other Charges While Taking Home Loan - by Submitted on Oct 31, 2018 from Arwind SharmaA home is where the heart is! A person strives all his life and yet is unable to save enough funds to purchase a home of his/her choice. What’s more, the increase in the prices of real estate properties has further dented a common man’s hopes to buy a home. Nonetheless, the concept of Home ...
Views: 829 - This Big Billion Days, Shop for the Best Perfumes on No Cost EMI - by Submitted on Sep 21, 2017 from Arwind SharmaFinding a fragrance that works for you is easier said than done, especially if you have to also worry about the cost. This Big Billion Days, choose from a wide array of perfumes and fragrances that meet your preferences without hurting your budget. Flipkart’s latest sale is live during 20th ...
Views: 903 - Tips To Apply For Loan against Property - by Submitted on May 27, 2020 from Arwind SharmaIn this fast paced world, where almost everything is getting changed, possessing your own house or property is an essential requisite. Not only does your house help you to feel and stay rooted, giving you a certain sense of belongingness, but also assists you in times of need. Taking a certain ...
Views: 1582 - Tips to Renovate Your Kitchen - by Submitted on Mar 30, 2020 from Arwind SharmaKitchen is a significant part of a house. A home can never be considered complete in the absence of a well set up and comfortable kitchen. However, with time and rigorous usage, the structure and other areas of the kitchen start wearing out. Even if the structures are in a decent condition, your ...
Views: 886 - Top 5 OLED TV Brands that You can Buy on No Cost EMI - by Submitted on Sep 16, 2018 from Arwind SharmaPurchasing a television requires some deliberation, as apart from selecting a model and evaluating the features, you also want to focus on the brands themselves in terms of the technologies that they use, their after sales service, and the durability of their TVs. To ensure that you get the best ...
Views: 883 - Understanding Loan Against Property - by Submitted on Mar 27, 2020 from Arwind SharmaFinancial emergencies can strike in at any time. Therefore, financial experts and consultants always recommend that an individual must possess some kind of asset to ensure financial security. The most secure and reliable asset is a person’s house or property. Hence, it is easy to avail cash ...
Views: 1267 - Use Personal Loan For Debt Consolidation - by Submitted on Feb 14, 2019 from Arwind SharmaDebts and unpaid credit card bills can paralyze anyone’s life. People do not actually want or ask for it. However, due to urgent requirements, out of budget spending and personal emergencies, one gets caught in the rut of loans and debts. If you are standing neck deep in bad debt and want to ...
Views: 1552 - Watch Cricket on An LED TV, Through Bajaj’s No Cost EMI Card - by Submitted on Oct 28, 2016 from Arwind SharmaWith Diwali arriving in few days, there are exclusive festival-based offers being announced everywhere. This season spells celebration in every sense, and shopping for your favourite goods certainly adds to the charm. Given this, there is surely no better occasion than Diwali to spruce up ...
Views: 860 - What makes the World Prime SuperCard by Bajaj Finserv RBL Bank a must have? - by Submitted on Jul 11, 2018 from Arwind SharmaDo you own a number of credit cards, each one for pocketing many benefits? Try to keep away from the risk of owning too many cards and defaulting on payment dates. It’s time to make way for the World Prime SuperCard by Bajaj Finserv RBL Bank Supercard and enjoy the power of 4 cards clubbed ...
Views: 1024 - What You Need to Know Before Buying an Electric Guitar Online - by Submitted on Oct 13, 2020 from Arwind SharmaOnline shopping was introduced in the 90s. It has gone through many phases. Back then, people were recently introduced to the word and the world of internet. In the first decade, it was hard to create a big market for online stores. People were hesitant, no experience was around, and going out ...
Views: 1141 - What you Stand to Gain by Taking a Joint Home Loan - by Submitted on Jan 16, 2017 from Arwind SharmaOne of the most important purchases that you’ll make in your lifetime is a home. That goes doubly so if you’re married. You and your significant other will think long and hard before you decide to go out and purchase a home. But before you go to the bank and apply for your loan, you should ...
Views: 964 - Where to Buy Exclusive Valorant Hacks? - by Submitted on Oct 30, 2022 from Arwind SharmaThe makers of League of Legends, Riot Games, have a new game out called Valorant. The game has now been released from closed beta and is accessible to gamers everywhere. A strategic shooting game called Valorant has two teams of five players apiece. Valorant pits squads of five members against ...
Views: 462 - Where to Buy Exclusive Valorant Hacks? - by Submitted on Oct 30, 2022 from Arwind SharmaThe makers of League of Legends, Riot Games, have a new game out called Valorant. The game has now been released from closed beta and is accessible to gamers everywhere. A strategic shooting game called Valorant has two teams of five players apiece. Valorant pits squads of five members against ...
Views: 325 - Which Option is Better: Fixed Rate or Variable Rate Home Loan? - by Submitted on Feb 23, 2018 from Arwind SharmaCongratulations on planning to buy your dream home! Buying a home is a very important step in your life. But like every major decision in your life, Home Loans in India come with a lot of choices. And a major one is choosing between a fixed rate and a variable rate Home Loan. Well, let’s ...
Views: 1095 - Who can be a Co-Applicant for my Loan against Property? - by Submitted on Jun 21, 2018 from Arwind SharmaAdding a co-applicant for a Loan Against Property adds support to the income of the primary borrower. Thereby, the application strength increases due to an improvement in eligibility. Needless to say, having a co-applicant for a Mortgage Loan makes borrowers eligible for a larger volume of loan. ...
Views: 1478 - Why unsecured business loan is beneficial - by Submitted on Mar 27, 2020 from Arwind SharmaAs entrepreneurship is gaining a strong footing in the world with the passage of time, more and more 9 to 6 job workers are switching to become entrepreneurs. This has increased the need for more financial resources in order to support and encourage better opportunities for success and growth. ...
Views: 1649 - Why use an EMI calculator before applying for a personal loan - by Submitted on Feb 08, 2019 from Arwind SharmaThe personal loan EMI calculator is a user-friendly application for simple and quick calculation of the EMI that you will have to pay. So, if you’re applying for a loan for the first time or have done it previously, this tool can help you plan effectively. It will help you calculate the EMI. you ...
Views: 957 - Why You Should Opt for More Than the Maximum Home Loan Amount for Your Purchase - by Submitted on Apr 18, 2017 from Arwind SharmaFinancial experts suggest that you should try and get a larger amount for your pre-approved Home Loan. Most individuals spend a significant amount of their time in shortlisting the property. Later on, they realise that the maximum Home Loan amount is inadequate to finalise the buy.A Home Loan ...
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