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Author Archives: Home Credit India

Tips to Get the Best Deal on Your Personal Loan

Best Personal Loan

As a simple rule of theory, you should attempt to get as much cash as possible and give out as less as you can. This is specifically true for the financial sector, concerning the personal loan segment. Though, it is not that simple to get a personal loan at favorable interest rates. So how to […]

Personal Loan Online v/s via DSA Personal Loan Agent

Urgent Personal Loan

Personal loans are a kind of unsecured and multipurpose loan extended by financial institutions. Personal loan depends on a level of income, CIBIL score, scope of repayment and history of employment. This loan serves the personal needs of an individual at the time of financial crunch. These loans enjoy immense popularity in the credit market. […]

Availing Instant Cash is now a Reality

instant loan

There are certain myths that still puts a question mark on our minds when we talk about loans. The fact is the applying for a loan today- be it personal, business, car or a home loan have become extremely easy to go for with the help of technology. Gone are the days when we would […]

Kick Start your Financial Year with these Mantras

Kick Start your Financial Year with these Mantras

Who wouldn’t like to be rich and effective in life? We have all had dreams about doing something big and earning lots of money in our future. But how often do we stick to our dreams? Focus, Patience and hard work remain an utmost important aspect before we step on to anything in life – […]

Year Long Charter of 2019- Home Credit Personal Loans

Home Credit Personal Loan

In the last few milestone years, Home Credit India has inspired many! It’s been a bumpy ride throughout; however, we’ve tried to keep up with the turbulence on the way! Here’s to all the glorious years in the journey of building that stood the test of time. It’s imperative to get acquainted with the top […]

Reasons why Millennial Women take More Loans than Men

Personal loan for women

Of course, we know that women today do not like to be financially dependent. This is where incentives play an important role. The higher percentage of borrowers out of women is biased towards working women, as per a recent survey conducted. Millennials women these days are borrowing more, specifically to sponsor their lifestyles, and also heading […]

Personal Loan can fund your Change of Jobs and Relocation

personal loan for job relocation

Job change is a crucial change in someone’s professional journey. The career ride grows gradually with every job and relocation. The incentive towards a new job could be hiked up salary, better work location, new house, superior designation, etc. Relocation it itself is difficult to do, especially with a quick job change. Whether we talk […]

Surprise Your Family with a New Car with Home Credit Personal Loan

Personal loan for car

A car loan is generally opted for when the requirement for a car purchase is huge. This is the case when the down payment of a car is too much and can only be afforded with a loan. However, a lower car loan installment does not always imply savings. This is how car loans work […]

Top Life Goals You Can Achieve with a Personal Loan

personal loan

The beginning of a year is the best time for setting your financial cycle right. It is not that difficult to improve your financial well-being. Most of the people skip to analyze their financial capabilities. It is important to be aware and fully prepared. Start with identifying your financial goals for the upcoming year. Before […]

Take Personal Loan to meet Medical Expenses

Personal Loan for Medical Emergency

Medical ailments can be extremely exhaustive and pocket heavy. Whether it’s a surgery/operation or a regular doctor consultation, it’s all expensive to manage. Every hospital and nursing home charges you a bomb, even for a one time visit. Also, it’s difficult to be cash ready at the helm of contingencies, that’s when they can think […]

Can you get immediate loans in India?

Instant Personal Loan

With the level of digitalization is taking the lending scene one notch higher! Financial institutions are allowing borrowers to access immediate cash loans in India to meet their urgent needs. They work with experts who ensure offer Cash Loans with quick approvals within a short time in India. How did the past financial structure look […]

Top Advantages of an Online Loan Market

Apply Online Loan

Financial technology and internet connectivity together have facilitated the online loan marketplaces. Online lending has been wonderfully enabled with the help of technology driven platforms which use intelligent scoring algorithms to Marketplace lending is made possible by technology platforms that use scoring algorithms to determine the borrowers’ ability to repay. The online platforms were first […]

Paperless Approval Personal Loans Available On HCIN

Paperless Personal loan

With digitization on the rise and everything moving online, managing account is also easy and quicker than ever!  Aiming for financial inclusion, digital transactions are promoted and encouraged. Be it financial assistance, fund transfers or payments, everything has moved online. This makes the procedure to take credit free from extensive paperwork without any delay. Additionally, […]

Personal Loan Guidebook: All Questions & Answers

online personal loan

As a child, we relied heavily on our parents for money over & above our fixed monthly payout. Taking a personal loan can work similarly for you. However, you need to pay back the money in time, along with an interest value. A Personal Loan can help you financially whenever you need a lot of […]

Financial Charter 2020 – How India will Bank in 2019-2020?

Financial Charter 2020

We are in the era where digitization is the key to an overall development of a country. We are growing good with our countrymen who trust us & want to join hands. In the year 2018, about 70 lakh unique visitors came to buy our loan products to make a comparison and write good stories. […]

Paperless Approval Personal Loans on Home Credit

With digitization on the rise and everything moving online, managing account is also easy and quicker than ever!  Aiming for financial inclusion, digital transactions are promoted and encouraged. Be it financial assistance, fund transfers or payments, everything has moved online. This makes the procedure to take credit free from extensive paperwork without any delay. Additionally, […]

Personal loan: Waivers & Benefits

personal loan benefits

The lending companies have been striving too hard to allure the crème of the borrowers & build a larger market for personal loans. This chunk of people consciously understands the benefits of a personal taken from banks & financiers. These companies offer plans & scheme which are favorable to the overall customer experience. The stiff […]

How to maximize your chance for a Personal loan approval?

Quick Personal loan approval

A few individuals opt for a personal loan to buy a house, car, or other important expenses. It’s extremely important to follow a definite set of guidelines to make good your finances and credit score. This should be taken as a good practice to formally submit an online application. Our article will help to maximize […]

WHEN ARE PERSONAL LOANS APPROPRIATE FOR DEBT CONSOLIDATION?

Personal loan for Debt

When you have many existing debts, a personal loan can come to your rescue. A personal loan for debt consolidation can not only lower your interest rate but also help to make payments on time. However, this is not a long term solution. In the last few years, personal loans are becoming quite common and […]

Offline vs Online Personal Loans

Offline or Online Personal Loan

We all know how helpful personal loans can be. They can be used easily when you are financially challenged. Today, we can have a personal loan at the blink of an eye, which enables needy individuals to take approval at the fastest minute. His money can be used for meeting personal expenses. The process for […]

25 “Must Have” Personal Financial Habits

Financial Tips

Are you handling your finances well? Or do you need further improvements? In this article, we are talking about the 25 best practices to maintain good financial management. The basics of a sound financial management is not that difficult as it seems. It all depends on your personal well-being and daily financial habits. The fact […]

Indians lap up Personal Loans: How much should you borrow?

Best Personal Loan India

Today, it’s easy to get a personal loan in a few minutes, whether you convert your spending into EMIs, apply for a quick loan, pay off your debt at the earliest etc. It is quite serious that the unsecure loans have a huge portion with the banks/ financial institutions already, in the last 8 financial […]

Important Things to Note when The Festive Season Arrives

Festive Deals offers

Are you filled of excitement for the upcoming festivities & ceremonies? Below are the recommendations for a planned financial strategy & enriched experience. Enjoy every moment to the fullest! All celebrations are meant to be memorable and remain with you for a lifetime. This is exactly why we wait for such occasions. However, you tend […]

Personal loans to become cheaper as RBI cuts risk weightage

Personal Loan Apply

A recent survey reveals how personal loans will become cheaper once RBI declares a cut on the risk weightage. On a closer check, it has been revealed that the reduced risk weight is specific to consumer credit, which encompasses personal loans, but not credit card receivables, to 100% limit.  Full guidelines were finally issued by August end […]

How to get better interest rate on a personal loan?

personal loan

Have you experienced or heard of paying up a higher interest amount, when you actually have been committed a lower interest rate at the time of application? By the time you reach the end of the tenure, you’re already worked up. As we already know that the interest rates are really high as compared to […]

Everything You Need to Know About Pre-Approved Personal Loans

pre-approved personal loan

Today, Banks/ NBFCs present ready offers to their existing customer base, without the need for complicated documents or formalities. Plus, the process is generally unwieldy and automated. Customers are usually interested to go to their host banks for loan application. This greatly saves them from long drawn documentation, uninvited calls, long bank queues, complex procedures, […]

Are Your Finances Affecting Your Mental Health?

Financial Tips to Avoid Mental Stress

Money should be the last thing to disturb our mental status. However, it’s unfortunate to experience its impact everywhere, in different ways. Of course, the existence of money is important in our lives, but taking it too hard on yourself is destructive. Our financial habits have an extreme effect on our living, and the overall […]

How to prioritize Your Various Personal Financial Goals?

Financial Planning

Ideating & building on financial goals is an important yet creative job for individuals, if not for all. Who wouldn’t like being able to travel frequently across the globe & create unforgettable memories. This is an exotic plan for everyone who wishes to make it big in life & also buy an expensive abode & […]

Using Short-Term Loan to Close Other Loans

Use Personal Loan for Other Loans

The reasons for preferring a personal loan are already discussed at length, however, they can be suited better in a specific situation more. It is opted the most to close or combine the existing loans. So there are some points to be kept in mind for making an intelligent choice. To land at a good […]

Ways Women Can Manage Their Finances Independently

Top ways to Manage Finance

In our patriarchal society, women have been put down for decades. However, the air is changing now. Women are coming out to earn their livelihood and sustain in the competition too. There are a few suggested tips to keep our financial management in control. Women are breaking all shackles and doing their best out there. […]

Ways to Manage Finances When You Have Dependents?

Ways to Plan Your Finance

When you have dependents (children & parents) on the top of your head, earning income to save and invest becomes a derivative. However, through the medium of this article, we will recommend the best ways to save and invest within limited resources. Know more about them as provided below: Most certainly, it’s the best thing […]

Credit Score – Facts & Myths

Credit Score

A credit score is a significant number for the lenders and borrowers, both. Along with the credit score, the credit report helps substantially o estimate the borrowing capacity of the prospects now and later. Let’s switch quickly to the facts & myths now. As discussed the credit score reflects upon your qualification for a personal […]

Rent Deposit Loan from Home Credit with Hassle Free Relocation

Rental Deposit Loan

In the present world of liberalization and global integration, educated individuals prefer to relocate due to the changing profiles in their respective companies. So, if making adequate arrangements need finances, then try rent deposit loans perhaps! It is especially tricky to have rental accommodation at the price you like. People relocate to newer places due […]

Know about Festival Loans

Festive Personal Loan

Most known banks and financial institutions announce lucrative offers during the festive season. Whether a public or private sector, all institutions take advantage of the times to put out cheap loans. There is an exponential spike of sales during these times. It is a smart technique of low interest rates by banks to get more […]

Popular Myths About Personal Loans

Personal Loan Myths

There are a few popular myths related to personal loans, its relevant to burst those everlasting myths and take an appropriate route to success. The long-lasting assumptions can navigate your way through to the best place. Nowadays, financial transactions are moving westward with excessive digitization. Banks and NBFCs are turning digital aware and doing their […]

Making Loan Payments while you Kid is in School: Some Saving tips for your Family

Money Saving Tips

Many families take instant loans while their kids are still studying in schools.  We keep hearing stories of how families are dealing with debt and still maintaining a balance. So how do they do it? In a debt loaded family, its intimidating to keep the family unaffected.  This wouldn’t be free, but worthwhile. Here’s some […]

Top Trends of Personal Loan Market in India

Personal Loan Market in India

As online personal loans are gradually rising high. Having said that, trends are gradually changing in the personal loan market. Personal loans are a preferred way to finance your needs. Due to the convenience bestowed upon by personal loans, individuals are gradually making large purchases. It is not only applicable for banks, but also for […]

Choosing a Personal Loan on the basis of Interest Structure

Personal Loan Interest Rate

Long gone are the days when borrowing from family and friends was a much-preferred way of borrowing. With financial technology speeding up, things are changing faster than ever. It’s not feasible to avail a personal loan for all financial needs at the click of a button. Whether it’s an international trip, lavish wedding, medical emergency, […]

Can Financial Issues be managed with Personal Line of Credit

Personal Line of Credit

A personal line of credit can pose to be a prized facility to assist individuals in planning and executing their financial life. To have quick access to the credit line to take advantage of the upcoming opportunities is essential.  Not only will that meet short term goals but also work towards a powerful future plan. […]

Equipment Loans for Business Expansion

Loans for Business

Every business when gets started needs an initial push, this is similar to a solid business expansion. Here, equipment loans can be your all weather friend. Equipment loans can be specially used by ventures to start with a bang and procure capital for newer equipment purchase to make money. For e.g. a restaurant may need […]

Common Challenges faced by Entrepreneurs to Get Small Business Loans

small business loan

An intuitive product and well thought out business model is the base for a favorable start of a venture.  However, this will require a continued stream of funds, to keep up the plans to being together all the ideas of a plan together. Finances are extremely crucial for upgrading technology, hiring the best talent and […]

Personal Loan for Chartered Accountants

Personal Loan for Chartered Accountants

As discussed before, personal loans can cater to a wide variety of needs in the long term. Whether we talk about consolidating older debts, spending on miscellaneous expenses, saving for medical emergencies, etc. Since every business needs to grow and do better, expansion is the way ahead. The scale of operations can diversify with an […]

Best Factors that affect your Personal Loan Interest Rate

personal loan

If there’s a personal loan in process, then we expect you to take a well informed decision. Cost comes first to the mind when you’re applying for a personal loan. Conduct a thorough search and compare the interest rates offered by different banks. When it comes to a Personal Loan, we already know that different […]

Personal Loan for Pensioners & its Benefits

Personal Loan for Pensioners

Pensioners at an age of 75 years or lower get a maximum of 18 months of pension. The highest bracket is close to Rs. 5 lacs. However, for pensioners above 75 years of age get a maximum of 12 months’ pension limited to a maximum of Rs. 2 lacs. How has the banking & financial […]

What is EMI and how is it calculated?

what is emi

If you’re keeping confused about what should be charged as an EMI, then firstly you must know about EMIs properly. Also, do you understand what’s a fair amount paid as EMI? Through this article, we can calculate an installment so that it’s easier to cross verify what you’ve been getting every month. Today, personal loans […]

Loan against Property vs Personal Loan

loan against property vs personal loan

Generally, we all go through situations where we need cash. So, we like to go to Banks or NBFCs to get cash money sanctioned. Here, the borrower has the two options, personal loan and loan against property which will be based on the on borrowers’ preferences. What is Loan Against Property? As the name reveals, […]

Effective Ways to Bifurcate your Business and Personal Finances

business loan

A few things never go well together, like oil and water. Similarly, personal finances and your business funds cannot be mixed. If you keep clarity on these grounds, then it will be much easier to manage your financial worries. Although, it’s difficult to put set our article into motion. How best to bifurcate the major […]

Tips to Foolproof your Personal Loan Application

personal loan

Of course, we understand that one personal loan application is built upon on a long string of expectations. So, an upfront rejection will be strangely admitted. Although, there’s no guarantee for foolproof approval of your loan application, yet you can look at a few ‘to dos’ to enhance your chances. Begin your personal loan journey […]