Where Can I Get Cash Loans Online Need To Borrow $800 Urgently For Home Fix

What are some safe online loan sites? Are there any?

Yes there are some Website which are provide safe online Loan.I might want to impart my experience to Rupaiya Exchange. Rupaiya Exchange credit check is exceptionally solid. I have tried lending as well as borrowing at Rupaiya exchange So I know how safe it is. The Quality of borrowers that they have on their site is great. They go through your every single necessary financial document so that lenders can bid on pre-verified borrowers. Hence this will surely reduce the risk factor for lenders.Likewise there is a use to pick the borrower as per your will, terms and conditions, your risk appetite. Likewise the default rate for Rupaiya Exchange is under 1% which is colossal.There are some good features of Rupaiya Exchange P2P lending in india:High Risk Adjusted ReturnsEarn a higher interest income than most of the traditional instruments and instruments carrying similar amount of market risks. You can choose your own terms while investing.Choose the Borrower & Investment TermsLenders can filter through the available borrowers and choose an amount and interest for investment as desired. Invest as little as Rs. 5,000.00/-Rigorous Credit Check & AnalysisWe have incorporated the best practices from banking and non-banking industries to ensure the peace of mind that our lenders experience. We Verify and Rate the borrowers based on their Financial, Social & Behavioral patterns.Lender Protection*Your principal amount is protected and insured when you lend through Rupaiya Exchange.Assets Diversification & Monthly PayoutsReduce Risk by Diversifying your assets among multiple borrowers.Enjoy monthly payouts.Peace of MindWe take care of the KYC and verification of Borrowers. Our credit team makes sure, that only credit-worthy borrowers are allowed on our platform. Both Borrower and Lender sign a legal documentation verified by us.

What is the best online loan lenders for bad credit?

yes many P2P platform provide that.With so many P2P platform available it becomes very difficult to assess where we can get the best deal. I have prepared a comparison of various P2P borrowing Platform charges.Rupee circle is the best platform for a borrower from fees perspective.(Use code PIND145 to avail loans fast)Borrower link : https://www.rupeecircle.com/borr...If you need a microloan (20-30k) then try both RupeeCircle or Cashkumar.( mail me to get cashkumar referral)If you have a decent Credit score and you need urgent loan I2Ifunding should be able to provide interest at lowest levels.There interest rate are generally 2-3% lower than other platform.I2IFunding Borrower Referral LinkSo basically you should apply across I2Ifunding and RupeeCircle and compare the interest rate they are offering ,then add the fees I have mentioned which will give you the total cost. Try cashkumar also if your loan requirement is less than 6 months and amount less than 50000http://randomdimes.com

Can education loan be taken for two children of a family at same time?

Hello there.To answer your question, every member of the family can get an education loan, however, conditions do apply.To explain it to you, lets consider a family of four…Papa, Mummy, Munni and Munna.Assuming Papa earns loads of money working at a senior position in some company and he thinks, “I think I must do a leadership program from some established institute. That will widen my horizon and scope of growth”. In such a situation, Papa may avail an education loan, if his obligations are low or negligible. If he is opting for a course from an institution like INSEAD, there are chances he may have to even mortgage a property or something else as security.Now, our dear Mummy, she earns a good amount of money herself, from a small establishment of her own. One day she thinks to herself, “I think I must do a course that will help my entrepreneurial and decision making skills.” She may need a loan if she plans on doing a part time course from an institute like maybe ISB. The same applies to her as Papa. Infact, they can be each other's co-applicants, mortgage the same property or an additional security and avail a loan. The Bank/NBFC is bothered about Papa and Mummy's repaying capacity, value of the security, personal and professional profile.Now, for both our convenience purpose, let's assume Munni and Munna to be twins. (It can work the otherway as well). They are done with their engineering from Mumbai University and now want to go to USA to pursue an MS. Now in this case, if Papa and Mummy, are able to afford their combined EMIs (Papa and Mummy's) and now additional EMIs for Munni and Munna's as well, then voila, we have 2 new education loans, and maybe with additional securities to offer as well.To sum things up, all members of the family can avail an education loan, depending on their financial backing, existing obligations, security being offered, credit ratings and their loan aspirants profile's.By the way, I'm not sure as to how practical the above scenario would be, but I hope it helps answer your question. Also, all characters in the above scenario are fictitious. Any resemblance to Papa, Mummy, Munni and Munna are strictly coincidental.Cheers :)

How can I negotiate for lowest interest rate for my personal loans from banks in India?

First of all believe me all online sites giving comparison are not giving true rates.Like you go to sale for buying clothes. They will write 50% sale on wall but when you go inside you will find only handful of clothes are actually at 50%. Infact good ones always hace lesser discounts. They do it to push you to the shop.Similarly loan rates are so agile, it can be 10% for me bit it can be 15% for my bro.Most critical things deciding rates are-1) Your financial profile - there is war out there among banks to get good customers who pay on time. Nobody wants to acquire poor customers. Only PSU banks do it ( not knowingly but out of structure) .If your CIBIL score is above 750 and you have capability to pay then you can bargain. Capability of pay is - They will calculate your net cash income. Then they will assume 20% as your household expenses. Then they will deduct EMI paid by you on existing loans. If balance net income is more than EMI for proposed loan ,you are at home.Believe me it looks weird. But there is dearth of good customers in market. There are 100 banks fighting for same customer. If you don't belive put application in two banks tomorrow and see. They will fight cat and dogs if your profile is good and you will get ber deal2) Your negotiation skills - That's very critical factor. Banks bargain like vegetable shops. It's up to you. You need to push them.3) Take loan during month end - Loan is sold by sales guys and like all sales guys in any business ,they wake up only on last 5 days. In 25 days they will behave like kings and will always say no to bargain. But in month end you can tame them. Log your application with 2 banks in month end and see the magic. My husband took a loan recently from private bank. Try quoted 15% but we got it at 13% with .25% processing fees, no insurance .All things are possible only if you have credible profile.else you have to give in to the demands.

My personal loan is getting rejected because of my poor CIBIL score. What should I do?

You need to work on your CIBIL and build financial discipline to improve your credit worthiness. There are few tips which can help you improve your score.Avoid high current balances – The top and foremost thing is to minimize the usage of credit card i.e. keeping the credit utilization ratio to minimum. Spend only what you can repay within the billing date. High current balances pull down your score. Also, it is advisable to keep one or two credit cards only. Close all undesired credit cards by clearing the due. Keep only those or that card where the repayment track record is good and is the oldest. This helps in building good credit history over a time period.Pay not just the ‘Minimum Amount Due’ – Many people feel to avoid any late fee charges or negative CIBIL reporting, paying minimum amount due is enough but in reality this attracts finance charges in every cycle. You are only paying the interest on your amount due and rest of the bill remains as it is. It is better to always report inaccuracies if any or to pay off little debt in each cycle.Pay EMIs on time – No excuse on delaying or defaulting on EMIs. This is the foremost discipline which one could inculcate. Always pay your EMIs on time.Read more here.; about low CIBIL scores and your options for Personal loans.Moreover in case you are looking for Personal loans, and banks are not approving it because of low CIBIL score, you can always explore option of a P2P lending platform; like i2iFunding.

My CIBIL score is low (under 600). Am I eligible for a loan against property?

A CIBIL score of less than 750 is not considered good by any bank. So, you should first try to improve your CIBIL score and then apply for Loan Against Property.CIBIL score depends on 5 major factors. Once you know where you are lacking, you can work towards improving your CIBIL score yourself. Following are 5 major factors:Repayment History (35%) – Pay all your loan EMIs and credit card dues on time. Clear any defaults at the earliest.Credit Utilization (30%) – Credit utilization ratio is the ratio of total credit (liabilities) that you owe to your total credit limit. A very high credit utilization ratio is considered risky and has a negative impact on credit score. So, you can consider reducing some of your liabilities.Duration of Credit Servicing (15%) – The amount of time for which you have been servicing credit (loan) also has an impact on your credit score. If you have been making timely payments for your loans/ credit cards for a longer period of time, it will increase your credit score.Credit Mix (10%) – A better credit mix i.e. your credit (liabilities) spread across credit cards, auto loan, personal loan, home loan etc. also helps in improving your credit score.Number of Credit Inquiries (10%) – Whenever you apply for a loan or a credit card, the lender will run an inquiry on your CIBIL report. More number of inquiries indicate that you are credit hungry which is not a good sign for your credit health. Hence, higher number of credit inquiries have a negative bearing on your credit score.Check this guide on How to Improve CIBIL Score | 8 Tips to Increase CIBIL Score. You will find some great tips.

Am I eligible to get home loan of 35 lakh for 30 years with in hand salary of Rs. 46000/pm and experience of 14 months?

As the average homebuyer's age has dropped from 40s to 27-30, many banks and housing finance companies offer 30-year loans. However, age isn't the only factor that helps one secure such loans.For long-term loans, lenders typically prefer customers with a particular profile. Besides being young, one might also have to be a professional or self-employed.HDFC and ICICI Bank offer 30-year home loans at 10.40 per cent (up to Rs 75 lakh). DHFL offers it at 10.25-10.5 (up to Rs 30 lakh) and 10.50-11 per cent (more than Rs 30 lakh).For your salary, the maximum loan which you can get is of 22 lacs. In this case, I would advise you to add a co-borrower when you apply for a loan so that the loan amount can get maximised basis on both the salary.To avail a loan of Rs.35 lacs for a tenure of 30 yrs one needs to have a minimum salary of Rs.59,000/ pm. Generally, the repayment schedule is worked out in a manner that allows only around 40-50 per cent of your monthly take home income to be repaid as EMI.