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Date : Mar 29, 2009

Question

I have 5 personal loans running in my account.the total EMI is 20000. My monthly take home salary is 27000.I am now finding it very burdening to pay off the EMIs as i have to give home some money for domestic help. I have 5 different loans from different banks.due to the differential interest rate the EMIs and interest rates are high. pls suggest whatare the options available for me. Pls suggest if i can go to some Trusts who will give me loan and i can repay them back in few years time. Pls let me know if i can Loan Amount Tenure EMI No. of EMI Paid 85000 48 2587 14 30000 30 1700 17 70000 36 2709 6 70000 48 2170 30 20000 36 850 2 (I am not aware of the actual interest rates) I have 2 Credit Cards: Citibank - Total Outstanding is Rs.60,000 ICICI Bank - Total Outstanding is Rs.40,000 My Net Income in hand is Rs.18,750 per month. i have never been a defaulter tilldate and have a clean payment record. pls let me know if you can direct me to some money lender who can give me a loan to consolidate the loan amount and keep only one loan going in my account. regards rakhe.

Answer

Your best bet is to go in for a consolidated loan where one loan will take care of all your loans and you will have to pay only one EMI to one single lender. You can get a consolidated loan based on your income and repayment track record. You can approach any bank for a consolidated loan.

 

 

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