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	<title>ApnaPaisa - Financial Planning, Investment, Insurance, Loans, Credit Cards, Banking &#187; Loan</title>
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	<link>http://www.apnapaisa.com</link>
	<description>Get Smart</description>
	<pubDate>Mon, 22 Dec 2008 12:01:27 +0000</pubDate>
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			<item>
		<title>Large debt, no savings&#8230;Should I try for a home loan?</title>
		<link>http://www.apnapaisa.com/2008/12/06/large-debt-no-savingsshould-i-try-for-a-home-loan/</link>
		<comments>http://www.apnapaisa.com/2008/12/06/large-debt-no-savingsshould-i-try-for-a-home-loan/#comments</comments>
		<pubDate>Sat, 06 Dec 2008 11:49:28 +0000</pubDate>
		<dc:creator>Name Withheld</dc:creator>
		
		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[Home Loan]]></category>

		<category><![CDATA[Loan]]></category>

		<category><![CDATA[credit card dues]]></category>

		<category><![CDATA[credit card expenses]]></category>

		<category><![CDATA[Debt]]></category>

		<category><![CDATA[debt repayment]]></category>

		<category><![CDATA[housing loan]]></category>

		<category><![CDATA[personal loan outstanding amount]]></category>

		<category><![CDATA[savings]]></category>

		<category><![CDATA[take home pay]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=1123</guid>
		<description><![CDATA[We both earn and our collective take-home is Rs. 60, 000. We have credit card dues of Rs. 51, 000 and a personal loan with ICICI of about Rs. 2.93 lakh. There are no savings at the end of each month. We would like to close the debts and go in for housing loan to [...]]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/12/06/large-debt-no-savingsshould-i-try-for-a-home-loan/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Should I take the home loan insurance?</title>
		<link>http://www.apnapaisa.com/2008/11/21/should-i-take-the-home-loan-insurance/</link>
		<comments>http://www.apnapaisa.com/2008/11/21/should-i-take-the-home-loan-insurance/#comments</comments>
		<pubDate>Fri, 21 Nov 2008 08:39:16 +0000</pubDate>
		<dc:creator>Fiza Khan</dc:creator>
		
		<category><![CDATA[Banking]]></category>

		<category><![CDATA[Home Loan]]></category>

		<category><![CDATA[Householders' insurance]]></category>

		<category><![CDATA[Insurance]]></category>

		<category><![CDATA[Life Insurance]]></category>

		<category><![CDATA[Loan]]></category>

		<category><![CDATA[home loan]]></category>

		<category><![CDATA[home loan applicant]]></category>

		<category><![CDATA[ICICI Home Finance]]></category>

		<category><![CDATA[icici home loan]]></category>

		<category><![CDATA[ICICI Prudential Life Insurance]]></category>

		<category><![CDATA[insurance company]]></category>

		<category><![CDATA[insurer]]></category>

		<category><![CDATA[property insurance]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=1003</guid>
		<description><![CDATA[I have taken a loan of Rs 20 lakh from ICICI home finance. I want to insure my property and my life.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/11/21/should-i-take-the-home-loan-insurance/feed/</wfw:commentRss>
		</item>
		<item>
		<title>In EMIs, why is the principal less than the interest paid?</title>
		<link>http://www.apnapaisa.com/2008/11/21/in-emis-why-is-the-principal-less-than-the-interest-paid/</link>
		<comments>http://www.apnapaisa.com/2008/11/21/in-emis-why-is-the-principal-less-than-the-interest-paid/#comments</comments>
		<pubDate>Fri, 21 Nov 2008 08:03:36 +0000</pubDate>
		<dc:creator>Raima Bhula</dc:creator>
		
		<category><![CDATA[Banking issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[Home Loan]]></category>

		<category><![CDATA[Home Loans]]></category>

		<category><![CDATA[Loan]]></category>

		<category><![CDATA[Loans]]></category>

		<category><![CDATA[EMI]]></category>

		<category><![CDATA[equated monthly installments]]></category>

		<category><![CDATA[home loan]]></category>

		<category><![CDATA[ICICI bank]]></category>

		<category><![CDATA[interest rates]]></category>

		<category><![CDATA[principal]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=993</guid>
		<description><![CDATA[I had taken a home loan from ICICI Bank in December 2007 at the rate of 9.25%, for 228 months. In April 2008, interest rate changed to 10.75% which again changed to 11.75% in May 2008.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/11/21/in-emis-why-is-the-principal-less-than-the-interest-paid/feed/</wfw:commentRss>
		</item>
		<item>
		<title>It’s easy for a bank to change interest rates on your home loan</title>
		<link>http://www.apnapaisa.com/2008/10/24/it%e2%80%99s-easy-for-a-bank-to-change-interest-rates-on-your-home-loan/</link>
		<comments>http://www.apnapaisa.com/2008/10/24/it%e2%80%99s-easy-for-a-bank-to-change-interest-rates-on-your-home-loan/#comments</comments>
		<pubDate>Fri, 24 Oct 2008 15:35:37 +0000</pubDate>
		<dc:creator>Pooja Gawde</dc:creator>
		
		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[Home Loan]]></category>

		<category><![CDATA[Home Loans]]></category>

		<category><![CDATA[Loans]]></category>

		<category><![CDATA[agreement terminology]]></category>

		<category><![CDATA[EMI]]></category>

		<category><![CDATA[equated monthly installments]]></category>

		<category><![CDATA[fixed interest rates]]></category>

		<category><![CDATA[floating interest rates]]></category>

		<category><![CDATA[Floating Reference Rate]]></category>

		<category><![CDATA[FRR]]></category>

		<category><![CDATA[Loan interest rates]]></category>

		<category><![CDATA[Money Market Conditions]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=607</guid>
		<description><![CDATA[In case of floating interest rates, take rate change for granted. I read a clause in a home loan agreement of one of India's largest private sector bank. The clause is that this rate of interest is linked to what is known as its Floating Reference Rate (FRR).]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/10/24/it%e2%80%99s-easy-for-a-bank-to-change-interest-rates-on-your-home-loan/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Builders&#8217; backward integration</title>
		<link>http://www.apnapaisa.com/2008/10/01/builders-backward-integration/</link>
		<comments>http://www.apnapaisa.com/2008/10/01/builders-backward-integration/#comments</comments>
		<pubDate>Wed, 01 Oct 2008 12:55:32 +0000</pubDate>
		<dc:creator>Anup Sreenivasan</dc:creator>
		
		<category><![CDATA[Home Loan]]></category>

		<category><![CDATA[Home Loans]]></category>

		<category><![CDATA[Loan]]></category>

		<category><![CDATA[Loans]]></category>

		<category><![CDATA[eligibility]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=524</guid>
		<description><![CDATA[My friend in Bangalore is a builder. Steel and cement prices are going through the roof. He says that banks have money but are unwilling to lend (Don't look at me, I am just the messenger here.)]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/10/01/builders-backward-integration/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Advanced Disbursement Facility</title>
		<link>http://www.apnapaisa.com/2008/09/22/advanced-disbursement-facility/</link>
		<comments>http://www.apnapaisa.com/2008/09/22/advanced-disbursement-facility/#comments</comments>
		<pubDate>Mon, 22 Sep 2008 09:03:13 +0000</pubDate>
		<dc:creator>Pooja Gawde</dc:creator>
		
		<category><![CDATA[Home Loan]]></category>

		<category><![CDATA[Loan]]></category>

		<category><![CDATA[Advanced Disbursement Facility]]></category>

		<category><![CDATA[home loan]]></category>

		<category><![CDATA[home loan company]]></category>

		<category><![CDATA[home loan disbursement]]></category>

		<category><![CDATA[home loan lender]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=422</guid>
		<description><![CDATA[If a house is still under construction, only a partial disbursement of the loan is made by the lender. This is done periodically and the final disbursement is made on completion of construction...]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/09/22/advanced-disbursement-facility/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Personal Loan - Tax Exemptions</title>
		<link>http://www.apnapaisa.com/2008/09/22/personal-loan-tax-exemptions/</link>
		<comments>http://www.apnapaisa.com/2008/09/22/personal-loan-tax-exemptions/#comments</comments>
		<pubDate>Mon, 22 Sep 2008 07:31:44 +0000</pubDate>
		<dc:creator>Bhakti Maru</dc:creator>
		
		<category><![CDATA[Loan]]></category>

		<category><![CDATA[Personal Loan]]></category>

		<category><![CDATA[income tax]]></category>

		<category><![CDATA[Personal Loans]]></category>

		<category><![CDATA[Section 24 of Income Tax Act]]></category>

		<category><![CDATA[tax exemption]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=408</guid>
		<description><![CDATA[A personal loan can be taken for any use like financing wedding expenses, medical expenses, trips, renovation or construction of the house, etc. But a personal loan cannot be taken for speculative purposes...]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/09/22/personal-loan-tax-exemptions/feed/</wfw:commentRss>
		</item>
		<item>
		<title>How can you find the best home loan lender?</title>
		<link>http://www.apnapaisa.com/2008/09/19/how-can-you-find-the-best-home-loan-lender/</link>
		<comments>http://www.apnapaisa.com/2008/09/19/how-can-you-find-the-best-home-loan-lender/#comments</comments>
		<pubDate>Fri, 19 Sep 2008 10:09:08 +0000</pubDate>
		<dc:creator>Basha Shaikh</dc:creator>
		
		<category><![CDATA[Home Loan]]></category>

		<category><![CDATA[Loan]]></category>

		<category><![CDATA[fixed interest rate]]></category>

		<category><![CDATA[floating interest rate]]></category>

		<category><![CDATA[hidden costs]]></category>

		<category><![CDATA[home loan]]></category>

		<category><![CDATA[home loan application]]></category>

		<category><![CDATA[home loan eligibility]]></category>

		<category><![CDATA[home loan lender]]></category>

		<category><![CDATA[legal charges]]></category>

		<category><![CDATA[prepayment charges]]></category>

		<category><![CDATA[processing fee]]></category>

		<category><![CDATA[valuation fees]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=377</guid>
		<description><![CDATA[The process to find the best home lender to get the best home loan deal seems to be complicated for most of us. The reason is unsystematic approach towards it.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/09/19/how-can-you-find-the-best-home-loan-lender/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Ridding credit card debt</title>
		<link>http://www.apnapaisa.com/2008/09/18/ridding-credit-card-debt/</link>
		<comments>http://www.apnapaisa.com/2008/09/18/ridding-credit-card-debt/#comments</comments>
		<pubDate>Thu, 18 Sep 2008 16:00:01 +0000</pubDate>
		<dc:creator>Basha Shaikh</dc:creator>
		
		<category><![CDATA[Credit Card]]></category>

		<category><![CDATA[Loan]]></category>

		<category><![CDATA[credit card debt]]></category>

		<category><![CDATA[credit card rate of interest]]></category>

		<category><![CDATA[credit cards]]></category>

		<category><![CDATA[minimum card payments]]></category>

		<category><![CDATA[pre-payment]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=348</guid>
		<description><![CDATA[Are the rising costs of groceries leaving you with precious little money to pay for your credit card bills? Or maybe you’re just tired of signing EMI cheques for lovely family vacation you took – two years ago.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/09/18/ridding-credit-card-debt/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Increasing interest rate&#8230;increasing EMI headaches</title>
		<link>http://www.apnapaisa.com/2008/08/22/increasing-interest-rateincreasing-emi-headaches/</link>
		<comments>http://www.apnapaisa.com/2008/08/22/increasing-interest-rateincreasing-emi-headaches/#comments</comments>
		<pubDate>Fri, 22 Aug 2008 11:57:35 +0000</pubDate>
		<dc:creator>Name Withheld</dc:creator>
		
		<category><![CDATA[Banking issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[Home Loan]]></category>

		<category><![CDATA[Loan]]></category>

		<category><![CDATA[bank]]></category>

		<category><![CDATA[EMI payments]]></category>

		<category><![CDATA[home loan]]></category>

		<category><![CDATA[home loan lender]]></category>

		<category><![CDATA[interest rate]]></category>

		<category><![CDATA[interest rate hike]]></category>

		<category><![CDATA[interest rate revision]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=293</guid>
		<description><![CDATA[I have availed a home loan from an MNC bank at an interest rate of 9%. They have revised rates of interest several time and current rate stands at 12.50%, since 1/8/08 ( previously it was 11.75%). Last year in August, they raised rates by 2% in one go and...]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/08/22/increasing-interest-rateincreasing-emi-headaches/feed/</wfw:commentRss>
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