home loan

Get your free credit report from CIBIL in India – online

As I mentioned in a previous blog, the Reserve Bank of India (RBI) has mandated that that effective January 1, 2017, all Credit Information Companies (CICs) shall provide access, upon request and after due authentication of the requester, to a free full credit report (FFCR) once in a calendar year to individuals whose credit history …

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How to get your credit score from Equifax, Experian and CIBIL for free

In September 2016, the Reserve Bank of India (RBI) mandated that that effective January 1, 2017, all Credit Information Companies (CICs) shall provide access, upon request and after due authentication of the requester, to a free full credit report (FFCR) once in a calendar year to individuals whose credit history is available with the CIC. …

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Save lakhs on your home loan by prepaying (and calculator to see what you can save)

There is a perpetual dilemma with those servicing a home loan; whether to prepay or not. I was once in the same category. So I have created an excel calculator to show the impact that prepayment can have on:  savings on the interest payment and the income tax deductions. The file has 3 main sections: …

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