Can I get a personal loan if I work for a startup or unregistered company?
Working at a startup or an unlisted company doesn’t automatically prevent you from getting a personal loan. Maintaining good financial discipline can improve your chances of quick approval and better loan terms.
Is Part-Prepayment Allowed In Instant Personal Loan Apps?
Instant loan apps make borrowing quick and convenient but it varies across lenders. While prepaying can help, borrowers should carefully review all details before proceeding. Choosing transparent platforms and understanding the fine print is key to making smarter financial decisions.
‘Invested Rs 8 crore’: Man bought Rs 10 crore house using mutual funds to pay EMIs, ended with Rs 10.5 crore
A post on X recently went viral showing how a man bought a Rs 10 crore house without spending all his cash. He invested Rs 8 crore in mutual funds, paid Rs 2 crore as down payment, and used the investment returns to cover his EMIs.
Can I take a personal loan while repaying an education loan?
Managing both an education loan and a personal loan can be challenging, especially with higher interest costs and reduced financial flexibility. While it’s possible to take a personal loan during education loan repayment, it’s important to evaluate certain factors.
Beyond the price tag: The property costs that quietly surprise new buyers
Owning a home is far more expensive than just paying for the house itself.
Repaying a gold loan: Which option actually saves you the most money?
The structure you choose matters more than the loan itself.
Short home loan or long tenure with prepayments? What actually works once real-life kicks in
It’s not just about saving interest — it’s about what you can stick to for years.
How Do Banks Decide Personal Loan Amount Based On Your Credit Utilisation?
Your credit utilisation ratio plays a key role in determining your personal loan eligibility, as it reflects how responsibly you manage your credit. Keeping utilisation below 30% can improve your credit score and increase your chances of securing a higher loan amount with better terms.
Can Existing Credit Card Users Get Better Personal Loan Deals?
Your credit card history can play a key role in unlocking better personal loan deals, from lower interest rates to higher loan amounts. Responsible usage helps build a strong credit profile that lenders reward. Platforms like Moneycontrol make it easy to compare instant, paperless loan offers tailored to your eligibility.
Using gold without selling it: How gold loans are being used today
Why an idle asset at home is increasingly being used to manage short-term cash needs.
Paying off your education loan early: Smart move or unnecessary pressure?
Clearing the debt feels great — but timing matters more than speed.
Retirement at risk: why pensioners should think twice before becoming a loan guarantor
Before agreeing to act as a guarantor, a retiree must know that a guarantee is not a symbolic assurance but a legally enforceable obligation that can expose the guarantor to the entire debt
Do you really need insurance for your home loan?
Some lenders suggest it as a safety measure, but many borrowers are unsure whether it’s necessary.
When taking a personal loan actually makes financial sense
Personal loans are easy to access today, but they work best in certain situations rather than as a routine way to fund spending.
A simple way to keep track of all your loans without losing track
When someone has more than one loan, keeping an overview of payments, due dates and balances becomes surprisingly important.
Should you dip into your EPF to close your home loan?
You are allowed to withdraw for housing, but the real question is whether it makes financial sense.
Women want to own homes but loans remain harder to access
Despite growing financial independence, Indian women face hurdles in securing home loans compared with men.
Changing your home loan tenure midway: What really happens
Your EMI may change instantly, but the long-term impact on interest and cash flow is what really matters.
Should you close your personal loan early? Here’s when it actually makes sense
Prepaying a loan feels financially responsible, but in some situations it barely saves money.
Should borrowers opt for gold loans when prices are high and volatile? Check gold price, LTV, and risks
Gold is a popular safe-haven during uncertainty and short-term cash needs, especially when emergency funds are exhausted and it serves as a hedge in your portfolio, but add risks when prices are high and volatile.
When interest rates drop but your EMI doesn’t
If interest rates are falling but your EMI isn’t, the problem is usually not the headline rate. It’s how your loan actually behaves.
Just because you can take a home loan after retirement doesn’t mean you should
Banks may say yes. Your post-retirement cash flow may quietly say no.
These 5 things often kill your personal loan chances, even when you think everything looks fine
You didn’t do anything “wrong”. You just don’t look comfortable to a bank.
Personal loan or credit card: Which one really suits you when you need money fast
Both let you borrow quickly, but they behave very differently once interest starts ticking.
Can freelancers get home loans easily? The honest answer
Yes, but it’s rarely “easy” in the way it is for salaried borrowers — and knowing why makes all the difference.
