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	<title>ApnaPaisa - Financial Planning, Investment, Insurance, Loans, Credit Cards, Banking &#187; Loans</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>Cheap realty not reality</title>
		<link>http://www.apnapaisa.com/2008/12/13/cheap-realty-not-reality/</link>
		<comments>http://www.apnapaisa.com/2008/12/13/cheap-realty-not-reality/#comments</comments>
		<pubDate>Sat, 13 Dec 2008 06:29:30 +0000</pubDate>
		<dc:creator>Harsh Vardhan Roongta</dc:creator>
		
		<category><![CDATA[Home Loans]]></category>

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

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

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

		<category><![CDATA[consumer confidence]]></category>

		<category><![CDATA[consumer confidence index]]></category>

		<category><![CDATA[dipping real estate prices]]></category>

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

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

		<category><![CDATA[free stamp duty and registration]]></category>

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

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

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

		<category><![CDATA[stamp duty and registration]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=1105</guid>
		<description><![CDATA[While much is being reported in the media about the significant dip in property prices, in actual practice most large developers are still holding on to their prices.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/12/13/cheap-realty-not-reality/feed/</wfw:commentRss>
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		<item>
		<title>Home buying - Take advantage of today&#8217;s bad economic environment</title>
		<link>http://www.apnapaisa.com/2008/12/12/home-buying-take-advantage-of-todays-bad-economic-environment/</link>
		<comments>http://www.apnapaisa.com/2008/12/12/home-buying-take-advantage-of-todays-bad-economic-environment/#comments</comments>
		<pubDate>Fri, 12 Dec 2008 06:18:59 +0000</pubDate>
		<dc:creator>Harsh Vardhan Roongta</dc:creator>
		
		<category><![CDATA[Home Loans]]></category>

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

		<category><![CDATA['dream home']]></category>

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

		<category><![CDATA[Benchmark Prime Lending Rate]]></category>

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

		<category><![CDATA[critical illness policy]]></category>

		<category><![CDATA[down payment]]></category>

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

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

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

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

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

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

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

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

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

		<category><![CDATA[lower EMIs]]></category>

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

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=1101</guid>
		<description><![CDATA[If you have decided to buy your dream home, here is what you can do to take advantage of the current economic environment.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/12/12/home-buying-take-advantage-of-todays-bad-economic-environment/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Time for serious negotiations!</title>
		<link>http://www.apnapaisa.com/2008/12/01/time-for-serious-negotiations/</link>
		<comments>http://www.apnapaisa.com/2008/12/01/time-for-serious-negotiations/#comments</comments>
		<pubDate>Mon, 01 Dec 2008 08:13:59 +0000</pubDate>
		<dc:creator>Harsh Vardhan Roongta</dc:creator>
		
		<category><![CDATA[Home Loans]]></category>

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

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

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

		<category><![CDATA[full and final payment]]></category>

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

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

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

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

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

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

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

		<category><![CDATA[repayment track record]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=1109</guid>
		<description><![CDATA[The year 2008 may be credited for witnessing the biggest financial turmoil in the recent past. Realty and home loans consumed innumerable reams of paper and satellite space. These were constantly in the news for whatever reasons.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/12/01/time-for-serious-negotiations/feed/</wfw:commentRss>
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		<item>
		<title>Tax treatment for reverse mortgage</title>
		<link>http://www.apnapaisa.com/2008/11/21/tax-treatment-for-reverse-mortgage/</link>
		<comments>http://www.apnapaisa.com/2008/11/21/tax-treatment-for-reverse-mortgage/#comments</comments>
		<pubDate>Fri, 21 Nov 2008 09:21:59 +0000</pubDate>
		<dc:creator>Bhakti Maru</dc:creator>
		
		<category><![CDATA[Loans]]></category>

		<category><![CDATA[Reverse Mortgage]]></category>

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

		<category><![CDATA[capital gains tax]]></category>

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

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

		<category><![CDATA[self-occupied property]]></category>

		<category><![CDATA[senior citizens loan]]></category>

		<category><![CDATA[transfer of asset]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=1017</guid>
		<description><![CDATA[Reverse mortgage is the loan given to senior citizens who posses a self-occupied property. As per the reverse mortgage the senior citizens (borrowers) can mortgage their house to the bank (lender). ]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/11/21/tax-treatment-for-reverse-mortgage/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Tax benefits for a home loan</title>
		<link>http://www.apnapaisa.com/2008/11/21/tax-benefits-for-a-home-loan/</link>
		<comments>http://www.apnapaisa.com/2008/11/21/tax-benefits-for-a-home-loan/#comments</comments>
		<pubDate>Fri, 21 Nov 2008 08:53:40 +0000</pubDate>
		<dc:creator>Kishore Gosrani</dc:creator>
		
		<category><![CDATA[Home Loans]]></category>

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

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

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

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

		<category><![CDATA[HRA deduction]]></category>

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

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

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

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

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=1012</guid>
		<description><![CDATA[I have some queries regarding income tax deductions based on housing loan. I have taken a housing loan for a house that will be completed by February 2008 end. I have paid pre-EMI till November 2007 and EMI has started from December 2007 onwards.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/11/21/tax-benefits-for-a-home-loan/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>Tougher recovery norms - new option to buy used cars</title>
		<link>http://www.apnapaisa.com/2008/11/11/tougher-recovery-norms-new-option-to-buy-used-cars/</link>
		<comments>http://www.apnapaisa.com/2008/11/11/tougher-recovery-norms-new-option-to-buy-used-cars/#comments</comments>
		<pubDate>Tue, 11 Nov 2008 11:20:05 +0000</pubDate>
		<dc:creator>Pooja Gawde</dc:creator>
		
		<category><![CDATA[Car Loans]]></category>

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

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

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

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

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

		<category><![CDATA[increasing car prices]]></category>

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

		<category><![CDATA[inflationary pressures]]></category>

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

		<category><![CDATA[lending norms]]></category>

		<category><![CDATA[luxury cars]]></category>

		<category><![CDATA[old cars]]></category>

		<category><![CDATA[price falls]]></category>

		<category><![CDATA[recovery agents]]></category>

		<category><![CDATA[repossessed cars]]></category>

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

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

		<category><![CDATA[used cars]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=581</guid>
		<description><![CDATA[Increasing costs of steel and other such inputs have already led to an increase in car prices. Add to that the sky-rocketing fuel prices and owning a car becomes bloody expensive.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/11/11/tougher-recovery-norms-new-option-to-buy-used-cars/feed/</wfw:commentRss>
		</item>
		<item>
		<title>You don&#8217;t have to avoid recovery agents</title>
		<link>http://www.apnapaisa.com/2008/11/05/you-dont-have-to-avoid-recovery-agents/</link>
		<comments>http://www.apnapaisa.com/2008/11/05/you-dont-have-to-avoid-recovery-agents/#comments</comments>
		<pubDate>Wed, 05 Nov 2008 14:17:59 +0000</pubDate>
		<dc:creator>Basha Shaikh</dc:creator>
		
		<category><![CDATA[Banking issues]]></category>

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

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

		<category><![CDATA[banking ombudsman]]></category>

		<category><![CDATA[Code of Bank's Commitment to Customers]]></category>

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

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

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

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

		<category><![CDATA[RBI guidelines]]></category>

		<category><![CDATA[recovery agents]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=559</guid>
		<description><![CDATA[If a recovery agent knocks at your door you don't have to hide in your house or avoid them by asking one of your family members to speak to them. They cannot harm you or force you to pay the outstanding at all. ]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/11/05/you-dont-have-to-avoid-recovery-agents/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Who dupe banks, why, and how?</title>
		<link>http://www.apnapaisa.com/2008/11/01/who-dupe-banks-why-and-how/</link>
		<comments>http://www.apnapaisa.com/2008/11/01/who-dupe-banks-why-and-how/#comments</comments>
		<pubDate>Fri, 31 Oct 2008 19:21:07 +0000</pubDate>
		<dc:creator>Pooja Gawde</dc:creator>
		
		<category><![CDATA[Economy]]></category>

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

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

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

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

		<category><![CDATA[economic slowdown]]></category>

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

		<category><![CDATA[forging documents]]></category>

		<category><![CDATA[fudging identities]]></category>

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

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

		<category><![CDATA[market crash]]></category>

		<category><![CDATA[organized rackets]]></category>

		<category><![CDATA[original documents]]></category>

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

		<category><![CDATA[self-employed]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=624</guid>
		<description><![CDATA[“Defaulter” is a dreaded tag for both the lender and the borrower. Who are the people who default on loans? Why do they take a loan if they can’t afford to repay? How do they get a loan in the first place?]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/11/01/who-dupe-banks-why-and-how/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Credit counseling- Get help to deal with your money!</title>
		<link>http://www.apnapaisa.com/2008/10/31/credit-counseling-get-help-to-deal-with-your-money/</link>
		<comments>http://www.apnapaisa.com/2008/10/31/credit-counseling-get-help-to-deal-with-your-money/#comments</comments>
		<pubDate>Fri, 31 Oct 2008 11:26:47 +0000</pubDate>
		<dc:creator>Pooja Gawde</dc:creator>
		
		<category><![CDATA[Banking]]></category>

		<category><![CDATA[Credit Card]]></category>

		<category><![CDATA[Financial Planning]]></category>

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

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

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

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

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

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

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

		<category><![CDATA[credit counseling center]]></category>

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

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

		<category><![CDATA[financial advisor]]></category>

		<category><![CDATA[high cost borrowings]]></category>

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

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

		<category><![CDATA[low cost debt]]></category>

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

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

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=585</guid>
		<description><![CDATA[Things have been happening so suddenly. It was a while before I realized I am almost stuck in a trap (or at least to me it seemed to be so). I am not much of a savings person. I use my credit card a lot.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/10/31/credit-counseling-get-help-to-deal-with-your-money/feed/</wfw:commentRss>
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