Page 19 - Loans

How to prepare yourself financially when you know layoffs are coming

As soon as you detect straws in the wind-peers receiving the pink slip, projects getting shelved, etc.-start preparing for the worst

Linking loans to external benchmark: Why it won't be easy for banks

Banks in India are not wholesale-funded entities as in developed markets, but deposit-taking. Only a percentage of their books is linked to borrowing at the repos window

Banks must appropriately price in credit risk: Ex-RBI deputy guv Thorat

Usha Thorat says it's absolutely essential for financial stability that bank spreads are not under threat

RBI decision to cut risk weights for retail loans credit negative: Moody's

The reduction in risk weights would encourage banks to increase their exposure to this loan segment at a time when credit risks are already increasing from a slowing economy, Moody's said

Why do lenders rush where angels fear to tread

Only a forensic audit can answer the questions that lenders to Bhartiya Micro Credit have, but don't dare to ask

Banks target weaker borrowers as credit growth slips: Why it's a risky bet

Unsecured loans can only offer banks a temporary shelter during a downturn in collateralised credit

Secondary loan mkt may completely change India's banking landscape: Experts

In India, there is a well established secondary market for stressed loans

RBI mandates banks to link fresh retail loans to external benchmark

Move to cover fresh retail, MSME loans from Oct 1; home, auto loans to get cheaper

Don't fund lifestyle needs with debt; limit your total EMI outgo

Limit the sum total of all your EMIs to 50 per cent of take-home salary

For agricultural loans, bankers call for longer repayment period

There were also suggestions to have an agriculture credit guarantee scheme, and a stronger institutional network to prevent multiple lending in the agriculture sector

MSMEs to get pending GST refunds within 30 days: Nirmala Sitharaman

Banks will also have to return all documents within 15 days of a loan closure, helping borrowers whose mortgaged assets are tied up

Why borrowers should move to longer-tenure loans to escape debt trap

Those who have loans running should set up a contingency fund

Cholamandalam eyes mortgage-finance segment, to offer Rs 15 lakh loans

The company will target buyers of low-cost homes and offer loans of as much as Rs 15 lakh

Can you handle an education loan? Choose institution and course carefully

It cuts both ways - you can build your credit score and get tax benefit, but defaulting will make life difficult

Budget 2019: Rs 350 cr allocated for interest subvention for MSMEs

FM also says country needs to make structural reforms to achieve $5 trillion economy in the next few years

Planning to pay off loan before time? Here is what works in your interest

Foreclosing a loan other than floating-rate home loan attracts foreclosure charges, which can range between 2 per cent and 6 per cent

Financial emergency? Loan against securities cheaper, but comes with riders

Lenders give money against selective stocks, mutual funds and bonds

Planning to take a car loan? Here're the rates and charges offered by banks

Increasing the loan tenure reduces EMI burden but enhances interest outgo

Choose the right type of credit this festive season: All you need to know

Doing so can result in sizeable saving in interest cost

Maharashtra, Tamil Nadu and Karnataka form 40% of total retail loans: CIBIL

The three states represent about 32 per cent of the country's overall credit population share despite comprising only 20 per cent of the Indian population