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Top 5 Home Loan Tips You Must Know Before Applying in 2025 Date: 30 July 2025   |   Location: India Buying a home is a big dream, and a well-planned home loan can make that dream a reality. Here's a quick guide to the top 5 tips that can help you save money and avoid common mistakes while applying for a home loan. 1. Check Your Credit Score Make sure your CIBIL score is above 700 to get lower interest rates. A good credit score boosts your loan approval chances and lowers your EMI. 2. Compare Multiple Lenders Don’t just go with your bank. Compare home loan offers from different banks, NBFCs, and fintechs to get the best interest rate. 3. Choose a Shorter Tenure If Possible A shorter loan tenure may mean higher EMIs, but you end up paying much less in total interest over the years. 4. Read the Fine Print Always check for hidden charges like processi...
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Top 5 Home Loan Tips You Must Know Before Applying in 2025 Date: 30 July 2025   |   Location: India Buying a home is a big dream, and a well-planned home loan can make that dream a reality. Here's a quick guide to the top 5 tips that can help you save money and avoid common mistakes while applying for a home loan. 1. Check Your Credit Score Make sure your CIBIL score is above 700 to get lower interest rates. A good credit score boosts your loan approval chances and lowers your EMI. 2. Compare Multiple Lenders Don’t just go with your bank. Compare home loan offers from different banks, NBFCs, and fintechs to get the best interest rate. 3. Choose a Shorter Tenure If Possible A shorter loan tenure may mean higher EMIs, but you end up paying much less in total interest over the years. 4. Read the Fine Print Always check for hidden charges like processi...
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RBI Hikes Lending Rates — What It Means for Personal Loan Borrowers in 2025 Date: 30 July 2025   |   Location: New Delhi The Reserve Bank of India (RBI) today announced a 0.25% hike in the repo rate , impacting all major lending institutions. This move is expected to make personal loans and home loans slightly more expensive . Key Highlights: New repo rate: 6.75% Floating interest rate loans to get costlier Borrowers advised to compare lenders NBFCs and fintechs may still offer cheaper options 💬 “ Borrowers should revisit their loan repayment plans ,” said financial advisor Mohit Agarwal. “ The EMI burden may rise by ₹250 to ₹400 for every ₹1 lakh borrowed.” Experts suggest using EMI calculators to plan repayments smartly and keep an eye on NBFC offers with fixed interest rates.
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Low Salary par bhi loan kaise milega?

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 Agar aapki salary ₹25,000 ke aas-paas hai, to bhi loan mil sakta hai. Aapko bas kuch cheezon ka dhyan rakhna hoga: ✔ Good CIBIL Score   ✔ Stable Job   ✔ Minimum Documentation   ✔ Joint Applicant ho to chances badhte hain Kayi NBFCs aise hain jo low salary wale logon ko bhi personal loan dete hain.
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EMI Calculator se loan kaise plan karein?

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 EMI Calculator ek aisa tool hai jisse aap apna monthly loan installment calculate kar sakte hain. Aapko sirf ye teen cheezein bharni hoti hain: 1. Loan Amount   2. Interest Rate   3. Tenure (months/years) Jaise hi aap values dalte ho, calculator EMI, total interest, aur total payable amount show karta hai. Ye aap finvare.com pe bhi try kar sakte ho.
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Credit Card lene ke fayde aur nuksan

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 **Fayde:** ✔ Emergency me paisa milta hai   ✔ Cashback & Rewards   ✔ Online shopping easy ho jaati hai   ✔ CIBIL score improve hota hai **Nuksan:** ❌ Interest charges high hote hain   ❌ Time par payment na ho to penalty   ❌ Zyada spending ka risk Isliye credit card samajhdari se use karo.
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CIBIL Score kya hota hai? Loan ke liye kitna chahiye?

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 CIBIL score ek 3-digit number hota hai jo aapke credit history ko dikhata hai. Ye score 300 se 900 ke beech hota hai. 📌 700+ = Acha Score   📌 600-700 = Average   📌 500-600 = Risky   Loan approval ke liye 700+ score hona ideal hota hai. Agar aapka score low hai to pehle usko improve karna chahiye.
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