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Date : Mar 8, 2009

Question

I have 1 home loan with an EMI of Rs. 18017.00 per month. I also have two personal loans one from Citibank and Barclays Bank and as on date the outstanding amount for itibank is Rs. 200000 and for Braclays it is Rs. 2.50 lacs with an EMI of Rs. 6450 for Citibank ad Rs. 8506 for Barclays Bank and two citibank Credit Cards with an outstanding of Rs 3 lacs out together. I have cut these two cards and not using now. My question is will a bank give me loan for paying of all these EMI's except Home Loan. I am in requirement of approx. 7 lacs. I cana afford an EMI of upto Rs. 20000.00 per month for a period of 4 years and if the tenure can increase all the more better. I have never been a defaulter but would be more comfortable if all EMI's can be clubbed together to one bank. Thanks Sameer Gupta

Answer

You can take a consolidated loan where one loan will take care of all your loans and you will have to pay only one EMI to a 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. Alternately you can ask for a consolidated loan from any of your existing lender as well.

 

 

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