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4 reasons why HDFC Life Super Income is the best choice for you
A super income life insurance scheme ensures that customers don’t have to worry about their future expenses and needs. This is because you get guaranteed income for a fixed period. Below we shall explain what benefits you can get through Super Income plan.
HDFC also provides loan solutions such as HDFC gold loan, personal loan, business loan etc.
4 reasons why HDFC Life Sanchay Plus – Long Term Income is the best choice for you
Sanchay Plus life insurance scheme has multiple schemes where customers can choose how they want to earn their income and grow their wealth. Below we shall explain what benefits you can get through the Long term income plan of Sanchay Plus.
Ruloans offers multiple services such as personal loan, business loan, gold loan and a special program for loan dsa agents
Join & Become the Best Loan DSA with Ruloans
DSA Loan is the most trending news in the loan industry. Direct selling agents as they’re called bring a variety of loan leads to different Banks and NBFCs. Once these loans are disbursed, they get a payout (commission). Since the past decade, the DSA model has gained a lot of momentum and many energetic individuals want to become a DSA and earn high income!
Who is a DSA?
According to us, a DSA (Direct selling agent) is a sales agent with a super power! With that power he/she understands the financial needs of people. It can get very difficult when you don’t have money and don’t know where to find it.
DSA agents usually will help you find the right type of loan, help you choose the loan amount and also complete the whole loan application for you. Through their help customers can get the loan they desire.
Who can become a DSA?
Anyone who is a resident in India and is of legal age can apply for this position. However Ruloans prefers to find people that have at least little knowledge of Banking and loan industry. This helps us in grooming them to get ready to face the market.
How to become a DSA with Ruloans?
All you need to do is visit our page and APPLY HERE. We will contact you, set up a meeting and then can discuss the partnership. With Ruloans, you can be a dsa home loan, dsa personal loan, dsa credit card, dsa business loan and many more.
How much income can you earn as a DSA?
A Direct selling agency helps you earn your true earning potential. When you join Ruloans, you join a brand that has been helping customers borrow right always. When they get their loan disbursed, you as a DSA will get commission. Bank DSA commission differs from Bank to Bank and also from product to product.
So if you’re looking for an exciting opportunity as a DSA, join the Ruloans partner program and earn high income every month!
Which bank has a low interest rate for gold loans?
Practically almost all banks have managed to maintain gold loan interest rates similar to each other. But just because a Bank offers lowest interest rates, it doesn’t mean that the Bank is the best.
Today we wish to tell you more about HDFC Gold loan. Everyone in India knows about HDFC Bank purely because of their fast services and that they service loans in even the most remote parts of the world.
They are also known to offer the best gold loan in India. Yes, we say this because with an HDFC gold loan you can fulfill your urgent cash requirement and get the most out of your gold.
There are some more benefits too;
HDFC offers gold loan under their 'Sampoorna Bharosa Gold Loan' scheme where the tenure is decided on the quality of gold and the amount disbursed.Tenure of HDFC gold loan ranges from 6 months to 4 years.
To avail HDFC gold loan you need minimum documents.
HDFC best gold loan interest rate starts from 9.70% and goes up to 20.18%.These are the lowest interest rate available. But commonly the HDFC gold loan interest rate fall from 12% to 13%.
HDFC offers extremely flexible and many times customized repayment options and make pre-payments in a few installments.
HDFC gold loans are approved and disburse quickly. They can be approved within an hour and the borrower can get the loan money quickly.
Fees & Charges of HDFC Gold Loan
Gold is considered as an investment option. But did you know that it can do much more than just stay as an investment? Yes, you can also use your gold and get a loan from any Bank or NBFC offering such a service.
Gold loan has been one of the best options used by people in India when they require huge amount of cash. This is because you can get the best gold loan in the quickest time possible.
Within India you can get gold loan in Mumbai, Delhi, Kolkata and many other states. There are multiple Banks and NBFC’s like HDFC Bank that offer the best gold loan to customers who need it.
Before you could opt for it, we suggest you read the features of HDFC gold loan. Once you do that we must tell you more about the fees and charges that are associated with a HDFC gold loan.
Understanding these fees and charges will help you in applying for the best gold loan available in India.
1. Loan Processing Charges – 1.5% + GST
2. Valuation Fee – Fees start from Rs 250 for HDFC gold loan up to Rs 1.5 lacs & Rs 500 for loan over & above Rs 1.5 lacs.
3. Foreclosure charges - 2% + GST Foreclosure charges if gold loan is closed within 3 months. Nil Foreclosure charges if HDFC gold loan is closed after 3 months
4. Late payment charges (LPC) of loan amount – LPC is 2% p.a. over & above applicable rate of interest.
5. Stamp Duty & other statutory charges – Will be completely as per the applicable laws of the State
6. Renewal Processing Fees - Rs 350 + GST
If you want to apply for the best gold loan via HDFC Bank, Apply here - https://www.ruloans.com/hdfc-gold-loan.htm
Reference for fees and charges - https://www.hdfcbank.com/personal/borrow/loan-against-assets/gold-loan/fees-and-charges
What are eligibility requirements for a personal loan?
In today’s time, if you have urgent cash requirements and have to sort out multiple problems at once, the best solution for it is an instant personal loan.
Personal loan helps an individual clear all his/her expenses, deal with emergencies, purchase gifts, redecorate homes and many more. Many people have opted for a personal loan sometime in their life.
But today, we are here to tell you about personal loan eligibility. If it’s better than you can expect lower interest rates from the Bank. If not then you will get higher rate of interest from banks!
Hence please take care of your eligibility criteria and be credit reliable!
15,000 net per month in rural and semi urban areas
20,000 net per month in metro cities like Mumbai, Delhi, and Kolkata etc.
Basic criteria must be fulfilled no matter what. Maybe you will have to fulfill more as per the Banks or NBFCs requirement. If you wish to know more about the personal loan eligibility, you can visit Ruloans and get details regarding the best loan deals!
How do I become a bank loan agent?
Any person who is working and aspires to earn a high income can become a bank loan agent/DSA partner with Ruloans. We help individuals with a good work ethic to generate loan leads and earn high income through commissions.
Who can become a bank loan agent?
For those who don’t know, being a resident in India and being of legal age is more than enough for you to join as our partner. But if you have some knowledge of the loan and banking industry, then that gives you an edge over other loan DSA. For those who don’t have knowledge but want to grow, we are here to groom you to become the best.
How to become a bank loan agent with Ruloans?
Ruloans has been working with Loan DSA agents for the past decade and hence you will be making the right choice for your career by joining our partner program. You will have to visit Ruloans web portal and APPLY HERE.
Once you fill the form with your details, we shall contact and set up a meeting with you to discuss this partnership. With Ruloans, A dsa loan agent can work on products related to dsa home loan, dsa personal loan, dsa credit card, dsa business loan and many more.
Why do people use debit cards instead of credit cards?
People use debit cards instead of credit cards because using your savings is better than paying extra charges.
Yes, when you utilize your debit card, the money within it is earned by you and hence you don’t have to pay interest or extra charges when you swipe your card.
When you utilize your best credit cards, the money within it is not yours but of the Bank and hence it is owed by you. At the end of the month you will have to pay the total amount + the interest or extra charges applicable for each time you swiped your card.
Debit card = your money
Credit card = Bank’s money
Remembering this will make it easy for you to understand that it’s better to utilize your debit card. But owning a credit card is also necessary in today’s time as when you require immediate funds for emergencies and some unplanned expenses a credit card can come handy.
Hence overall it’s always best to use your debit card and keep a credit card only for emergencies.
Also, it is advisable to maintain a contingency fund which must be 3-4 months of your current salary. This helps you to be firm in financial crunch situations.
How can I transfer funds from a credit card to a bank account?
We highly advise that you don’t take this step as it’s a huge debt trap.
Let us explain why we mention this as a trap:
Whatever money you swipe using your credit card is considered as an expense. These expenses must be paid within 30-45 days along with interest that will be charged on the amount used.
On the same hand, whatever money you swipe using your debit card is also considered as an expense. But you don’t have to pay off any bill with interest as the money you swiped was used with your own savings. Hence no interest can be charged.
When you need some cash that has to be transferred to someone, you must ideally use your debit card. In case you don’t have that much amount as savings, then it’s ideal to take a personal loan.
We say take a personal loan because you can sort all your expenses and also transfer that money into any bank account. The maximum interest on that will be less than 19%.
When you utilize your best credit card to transfer funds to a bank account, the interest that is charged on that kind of an amount will be more than that of a personal loan.
Hence we suggest you to opt for your savings or a personal loan to sort this out.
What's the best credit card available right now?
Every credit card has their set of benefits. Whether its reward points, discounts or even cash backs, every credit card will offer something for the customer.
The right thing to do here is to find the credit card that matches your personality and doesn’t hurt your pockets too.
1. Reward points:
If you are a shopper who loves spending on new clothes, find a best credit card that rewards you each time you swipe your card. What happens here is that you can get reward points for purchases made toward shopping.
Once you accumulate enough reward points, check their store online and utilize the reward points to buy something cool for FREE.
2. Discounts and cash backs:
If you happen to be the one who travels a lot, then find credit cards that offer discounts and cash backs on fuel or tickets. For those using roadways, you can swipe your card at petrol pumps and get discounts. For those who love traveling, they can use their credit card to shop for air or rail tickets.
With these discounts and cash backs you can then save a lot of money and also travel and complete your work.
Hence finding a credit card is important which fits your lifestyle and also helps you make the most out of your expenses. But always remember to pay off your bills and never keep any debts pending.
What is the best way to use a credit card?
Credit cards can be used in 2 ways: One for handling day to day expenses and the other for earning rewards.
Most of the people that have a credit card will use it for their day to day expenses and also during emergencies when cash is needed. Here are 2 ways we feel you can use your credit card:
1. For daily expenses and emergencies:
If you regularly need cash for sorting your daily expenses, then visiting the ATM will be a tedious affair. Also, keeping bundles of cash with you all the time is risky as you can get robbed too. Hence Best Credit Cards helps in all these daily expenses. All you have to do is repay the bill at the end of the month.
Also, when it comes to emergencies, most of the times liquid cash is needed or high amount. In such cases again you can’t just hold a lot of cash with you. Hence you can swipe your credit card and sort your expenses immediately.
2. For earning reward points and gaining discounts:
Another smart way a person can use their credit card is by earning reward points and gaining discounts. Yes, you can use your credit card in a smart way. Pay your bills, spend on your daily expenses and earn reward points or discounts. With these reward points you can get a lot of benefits like free movie tickets, huge discounts on domestic hotels & flight bookings etc.
What we want to say is use your credit card wisely and only when you require it. As much as possible try using your debit card and savings. Always maintain a good balance and pay off all your debts.
Find a Credit Card That Matches YOU in 4 Simple Steps
Credit cards in a country like India is sometimes considered as one of the basic necessities required to survive. This is because the standard of expenses and the costs of living is very high when compared to the income level.
Banks and NBFCs have understood this need of people living in India and hence provide attractive offers on credit cards. There are a variety of offers which are up for grabs which makes it difficult for us to choose which card is better for us.
So to make it easier for you, we have created a simple list which has 4 steps. Once you understand these 4 steps, you can get the best credit card for yourself. Here are the 4 simple points;
1. Understand Your Credit Score:
This 3 digit number is very important for all your financial decisions. If your credit score is high, then getting a credit card approved becomes easier. Through this, you get the best credit card that matches your profile and needs.
2. Choose a Card Based On Your Bill Payment Pattern:
With a credit card bill, you will either pay it in full or pay a minimum balance. So it’s wise to check credit cards that don’t charge high interest when you only pay minimum balance on the bill. So on basis of your payment pattern, you can actually look for credit cards which are perfect for your needs.
3. Balance Transfer To a New Card:
When you want to balance transfer from your existing credit card to a new credit card, please look out for lowest interest rates being offered. Doing this allows you to find the best credit card which will help you save a lot of interest money.
4. Choose Card As Per Rewards:
The thing about credit cards is that there are so many of them available and they have a lot of rewards associated with it. There are credit cards with rewards purely on cash back, discounts, travel etc. So if you prefer any one type of reward, you can choose a card as per the rewards.
Overall, choosing credit cards look difficult but with these 4 simple steps, you not only will find the best credit card but also save a lot of money! If you need help finding the best credit cards, do visit Ruloans.com and Apply Here!
Which bank is better for fixed deposit and gives better return after 5-6 years? HDFC, ICICI, CITI, SBI or any other ?
Every Bank follows the rate provided by RBI and hence will linger more or less around the same rate. Hence there’s just a minute difference in all Banks. Whether its HDFC Fixed deposits, SBI Fixed deposits etc each one provides the same service and will get you a fixed deposit which you can keep for 5-6 years.
But if you really want to make the most out of it, we suggest that it’s wise to visit Ruloans and compare fixed deposit rates. You can check it online or give us a call in order to find the best schemes for you.
Ruloans has been ensuring to get customers whatever they need in loans since the past decade. Quite recently we have tied up with few insurance and deposit providers. This is because we understand how important it is for customers to accumulate wealth and keep increasing it.
Fixed deposits provide amazing rates for you to increase your wealth. If you are a senior citizen, you will get special interest rates on your FD and commonly that rate will always be higher than the normal interest rate being provided by the Bank!
To end this, please note that whether for 2 weeks or even 5-6 years, all Banks will give you good returns!
How much we can deposit in HDFC bank?
The minimum amount you can start an FD in HDFC Bank is 5000 rupees. The maximum amount can go above 200 crores!
Yes, it is the truth and you will be surprised to know that the maximum amount is so huge. In numbers, you can deposit this much money = 200,00,00,000+
What we like about HDFC Depostits is that they have so many types of plans that can help you earn interest as per your requirement.
There are 4 types of plans available:
Monthly income plan
Non cumulative plan
Annual Income plan
Cumulative plan
You can also start a fixed deposit for a small period like 2 weeks and go up to a maximum of 10 years. So hence you can always check out all the plans and accordingly opt for a fixed deposit that helps you grow your wealth.
You can apply online for an HDFC Fixed deposit when you visit Ruloans. Why we ask you to apply through us is because that will unlock tons of offers for you. Also applying with us gives you a promise of hassle free services!
So don’t wait up and visit Ruloans today as we have got you covered and will always help you borrow right. Always!
Which credit card is good?
There are multiple credit cards that are in the market to help people conduct their purchases and business. Whether you’re a salaried employee or a businessman there is a car for all. Here are some types of cards which are being given:
1. Shopping
2. Travel
3. Fuel
4. Cash back
5. Dining
6. Grocery and Utility
Depending on the kind of requirement you can choose the best credit cards:
1. Shopping – For those who love shopping, choosing a credit card specially for shopping is good as on every swipe you can get discounts and cash backs. On selected outlets, you can get additional reward points.
2. Travel – For every travel fanatic, a credit card which gives rewards on total air miles, discounts on air fare and even hotel discounts works well. You can even get lounge access and complimentary membership.
3. Fuel – For those who swipe their card on petrol pumps, this card is the best as you get waivers and discounts on each swipe. For regular long drive travelers, this is an amazing card.
4. Cash Back – Overall, some cards give cash back to you when you swipe you card frequently. On crossing a certain amount on your credit card, you can activate additional cash back and hence save a lot of money
5. Dining – For every foodie that loves eating outside, dining based cards can help you enjoy your meal and also save a lot of money via cash back and discounts.
6. Grocery and Utilities – Finally, for those who spend on daily necessities, there is also a card specially made for them. Here you can earn reward points each time you swipe on grocery and utility bills like telephone, power etc.
As choosing the best credit cards, Ruloans can help you shortlist the best out of the best and get you a deal that can get you a credit card that fits your requirement.
What is loan against property?
In simple words, a loan against property is a loan which can be taken on a property where you are the owner or co-owner.
Yes, this is one special loan where you can pledge your property as collateral with the Bank/NBFC and get an amount.
This amount is called as the loan amount. You will get this amount for a fixed period and at a certain interest rate. Each month you will pay an EMI back to the Bank/NBFC.
Here are some important terms in a loan against property:
Loan amount __________ rupees
Loan Period ________ years
Interest Rate _____ %
EMI ___________ rupees
Another important term here is LTR which is “loan to ratio”. Here, you will get a certain % of the property value as the loan amount. In usual cases, this is anywhere around 40-65%*.
Eg: Ram had a property whose value is 30 lakhs. The Bank checked his property papers, the condition of the property and some more factors. After this, they decided to give him 60% as the loan amount.
60% of 30 lakhs = 18 lakhs!
This is how you can get a huge loan amount to satisfy all needs in life. This kind of a loan is taken usually when people require a huge amount for medical requirements, education abroad or any emergency.
If you want to apply for the best loan against property, you can do so by logging on to Bank’s websites. There you can compare each other website and find the best interest rates. If you feel this is a longer and time wasting process, then you can login to Ruloans web portal where you can get the best deals on loan against property of major Banks and NBFCs in India.
What is the process of applying for a home loan?
This is a simple process:
1. Check your credit score
2. Generate your income statements.
3. Visit the Bank/NBFC, fill the form and check home loan eligibility
4. Bank will finalize the loan amount, tenure, interest rate and EMI.
5. After you accept the offer, sign the loan form.
6. Loan amount will be disbursed in few working days.
7. Post one month, you will start paying the EMI until the tenure ends.
So as you can see, this is a simple list of steps which you can follow and get a best home loans. Following this will give you the desired result.
Why we kept the 1st point as credit score check is plainly because your score is very important. A better score will mean higher loan amount and lower interest rate. Hence you must not only maintain your credit score but also try to increase it as much as you can.
That’s when the whole loan process will be simplified for you. So if you think you deserve a good deal, make sure you are not a defaulter and pay your bills on time. If you want the best deals on a home loan, please do not hesitate to contact Ruloans as you will get what you need!