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Reverse Mortgage: All you need to know
(May 30, 2007)
Old age comes with its own share of problems. As a person grows older, and his regular source of income dries up, his dependency on others can increase significantly. With health care expenses on the rise and little social security, living the golden years respectfully can be quite a challenge for senior citizens. In such a scenario, a regular income stream that can help them meet their financial needs and maintain their current living standards becomes important.
Home Loans : Views on News
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Rent or Buy? Replies to your views
(May 5, 2007)
Our article ‘Should you buy a house or stay on rent?’ has generated a lot of response. While some visitors have agreed with our stand, others have differed. In this note, we respond to some of the points of disagreement.
Home Loans : Views on News
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Should you buy a house or stay on rent?
(Apr 30, 2007)
We all need a house to live in. However the choice that needs to be made is, whether one should stay in a rented house or buy it instead. In the present scenario, the cost of living in a metropolitan city is rather high. Also, the property prices and home loan rates are moving up sharply. Given that both buying a house and renting it have their unique set of costs attached, one must evaluate both the options closely and then make an informed choice.
Home Loans : Views on News
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Fixed rate or floating rate: Take your pick
(May 19, 2006)
Home loan seekers usually face a dilemma of whether to opt for fixed rates or floating rates. This is mainly because many of them do not know the exact nature of differentiation between fixed rates and floating rates. There are some fundamental differences between the various rates on offer that individuals must appreciate before opting for a home loan.
Home Loans : Views on News
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How to tackle rising home loan rates
(May 5, 2006)
The past few days have seen several home loan companies announce a hike in interest rates. This is the second time in this calendar year that home loan rates have gone northwards. We have outlined the reasons for the same with a clear-cut strategy for prospective home loan seekers to tackle this scenario.
Home Loans : Views on News
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3 pointers for NRI home loans
(Apr 12, 2006)
The home loans segment has been growing at a robust rate over the past few years. Obviously, most of the growth has come from borrowers residing in India. However, Non Resident Indians (NRIs) also account for a portion of the home loans business. This article takes a look at home loans for NRIs and how they differ from home loans for resident Indians.
Home Loans : Views on News
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How to counter rising home loan rates
(Jan 25, 2006)
The past few days have seen experts talk of a high interest rate scenario. With respect to home loans, we have already seen a few housing finance companies (HFCs) increase their home loan rates. Some have decided to adopt a wait and watch policy. This note takes a closer look at the options available to home loan borrowers in such a scenario.
Home Loans : Views on News
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Home loans: Set to scale new peaks?
(Jan 3, 2006)
The year 2005 was a good one for the home loan industry. More individuals opted for home loans to fund their housing needs. This is evident from the 30% growth rate (over last year) in home loan disbursements. Housing finance companies (HFCs) were a happy lot as they rode on the back of the robust growth.
Home Loans : Views on News
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5 ways to increase to your home loan eligibility
(Dec 19, 2005)
This article was written by Personalfn for Business India, and was carried in its December 5, 2005 issue with the title, "The roof above your head".
Home Loans : Views on News
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Home loans for contract employees
(Dec 2, 2005)
All housing finance companies (HFCs) have certain guidelines to help determine the home loan eligibility for individuals. One such set of norms happens to be for individuals who are employed ‘on contract basis’. This note explains how these individuals are evaluated by HFCs and the rationale behind it.
Home Loans : Views on News
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