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19.11 - 13:07
YOUR QUERIES: LOANS: Collateral-free education loan up to Rs 7.5 lakh is available
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By Chaitali Dutta
I want to apply for an education loan for my daughter. Do I have to give collateral for a loan of Rs 15 lakh?—Anuradha Biswal Collateral-free education loans are usually restricted to Rs 4-7.5 lakh. Any loan above these amounts will attract security which could be by way of a pledge of financial assets or real estate.
I had applied for a home loan with a private bank. After six months, it has rejected my application mentioning inadequate income. I have a lot of cash income. Now how should I process the application with another bank?—Advit Gupta With cash income, the problem is that your ITR filing does not reflect the actual income. The housing finance institutions would look at the last three years of ITR filing to gauge
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