flavours Posted December 3, 2012 Report Posted December 3, 2012 [quote name='ronanking' timestamp='1354559245' post='1302889122'] Bhaya lending club annav vallu loan e basis meda istaru like - personal loan ani cash isthara, [/quote] i think all they look is at credit score nenu 2yrs back oka 10k loan tesukunanu , apr naku gurthuledu.... 10k loan tesukunte after 3yrs I was paying arnd 10,700.....so 700 interest over 3yrs is ok then doing a Balance Transfer and paying 3% or 4% transaction fee anukuna.... nuvvu application fill chesthe then they will tell you entha money ki neku entha apr oo......based off that you can decide...
flavours Posted December 3, 2012 Report Posted December 3, 2012 [quote name='flavours' timestamp='1354559468' post='1302889143'] i think all they look is at credit score nenu 2yrs back oka 10k loan tesukunanu , apr naku gurthuledu.... 10k loan tesukunte after 3yrs I was paying arnd 10,700.....so 700 interest over 3yrs is ok then doing a Balance Transfer and paying 3% or 4% transaction fee anukuna.... nuvvu application fill chesthe then they will tell you entha money ki neku entha apr oo......based off that you can decide... [/quote] you can think like this also......10k means arnd 5lakh rupees tesukoni india lo fixed deposit chesthe like sbh you get arnd 9% interest......meaning 5lakhs ki 45,000 rs per annum.......3yrs ki 1,35,000....andulo tax 10% teseyi......1,20,000 is your profit....ikkada manam pay chesina interest 700$ = 35,000 rs.... so still you made free money
ronanking Posted December 3, 2012 Author Report Posted December 3, 2012 [quote name='flavours' timestamp='1354559468' post='1302889143'] i think all they look is at credit score nenu 2yrs back oka 10k loan tesukunanu , apr naku gurthuledu.... 10k loan tesukunte after 3yrs I was paying arnd 10,700.....so 700 interest over 3yrs is ok then doing a Balance Transfer and paying 3% or 4% transaction fee anukuna.... nuvvu application fill chesthe then they will tell you entha money ki neku entha apr oo......based off that you can decide... [/quote] Ekkada manam loans tisukuntey avi manaki credit reports lo kanipisthai kada mari danini base chesysu koni, India lo loan ki emmna untunda effect. Inkoti may be this not that relevant question when you transfer huge amount like this(say 10 to 20 K $) to India, wont we have any tax issues.
ronanking Posted December 3, 2012 Author Report Posted December 3, 2012 [quote name='flavours' timestamp='1354559640' post='1302889163'] you can think like this also......10k means arnd 5lakh rupees tesukoni india lo fixed deposit chesthe like sbh you get arnd 9% interest......meaning 5lakhs ki 45,000 rs per annum.......3yrs ki 1,35,000....andulo tax 10% teseyi......1,20,000 is your profit....ikkada manam pay chesina interest 700$ = 35,000 rs.... so still you made free money [/quote] This math is gd and simple to understand, SBH vadu 9% istunada?
anandam2012 Posted December 3, 2012 Report Posted December 3, 2012 [quote name='mrudhula99' timestamp='1354557359' post='1302888900'] meekandhareke antha comedy ga endhuku anpinchindhoo ardham avvatledhu naku.. nenu 70L ki land theskundham anukunutnnaa na name tho.. in vjwd. 40L loan ki apply chedham ani plan. mainroad dhaggara land adhi.. kani ippatlo house construct chese plans levu... andhukee asking... a land kosam loan istharaa ani.. someone told that land ki ivvaru ani.. house construct chesthunattu proofs chupinchali ani... [/quote]ala em vundadu...house construct cheyalsina avasaram ledu naaku telisi,....properties ki kuda loan istaru...
flavours Posted December 3, 2012 Report Posted December 3, 2012 [quote name='ronanking' timestamp='1354559852' post='1302889193'] Ekkada manam loans tisukuntey avi manaki credit reports lo kanipisthai kada mari danini base chesysu koni, India lo loan ki emmna untunda effect. Inkoti may be this not that relevant question when you transfer huge amount like this(say 10 to 20 K $) to India, wont we have any tax issues. [/quote] emo bhayya nenu india lo loan tesukoledu.....so naku no idea..... i dont think it will affect ur loan in india....aina india lo money isthe anni jaruguthayi.... nope we wont have any tax issues when we send money to india.... because we already paid tax here.... i havent sent more than 10k in one transaction.............so...naku no idea...
flavours Posted December 3, 2012 Report Posted December 3, 2012 [quote name='ronanking' timestamp='1354559976' post='1302889206'] This math is gd and simple to understand, SBH vadu 9% istunada? [/quote] yep as far as I knw now its arnd 9.00-9.80% --- always do fixed deposit in older people's name...like your dad.......becos senior citizens ki tax is only 10% on earned interest while its 30% for nri's.
Nellore Pedda reddy Posted December 3, 2012 Report Posted December 3, 2012 [quote name='Silence..Please' timestamp='1354556983' post='1302888852'] [img]http://img683.imageshack.us/img683/1029/veerabhadrarao.gif[/img] niku ochey doubts chuusthunte.. ninnu kattukoboye vadu ye steel-plant flowers tho no devudi ki puuja chesi untaadu anipisthondi [/quote] [img]http://lh3.ggpht.com/--o7mXz3u-j4/T9VVBGzBJAI/AAAAAAAAGo0/kmj8a1-XW2g/s150/PK-1.gif[/img]
prasadkvv Posted December 3, 2012 Report Posted December 3, 2012 atleast 30% downpayment chesthe best. lekapothe you will end up paying double the amount you took. nenu 43L ki illu konna Hyd lo. 17L down chesa, 26L loan from LIC. 10.7% interst floating. 15yrs ki teesukunna...EMI 29K kaduthunna 6 months tarvata nee daggara entha amount vunte antha kattukuntu vellochu bulk ga...vaallu option istharu duraion aina tagginchukovachu or else EMI amt tagginchukovachu. ..I think duration tagiinchukunte best.... bank statements highlighting your salry deposit, pay stubs, 2yrs w2's and oka form fill chesi Ind ki pampinchali. One more thing...power of attorney isthu vunte evrikina aa form kooda fill cheyyali....so that that person will go and get the loan on behalf of you.. one more thing, EMI NRI acct nunde kattali...so first velli NRO/NRE acct open chesuko hope this info will be useful for you... 1
karna11 Posted December 3, 2012 Report Posted December 3, 2012 [quote name='flavours' timestamp='1354558267' post='1302888998'] india lo house loans ki interest chala ekkuva..... manam arnd adhe loan 20-30yrs kadithe almost double the loan amt kaduthunatte..... manam initial ga chese payments kuda most of it goes towards interest than actual loan..... so entha down payment chesthe antha better..... mee credit scores manchiga vunte.......try applying loan in lendingclub.com ilanti vatilo you can get around 10,000-30,000$........with less APR 3yrs lo hayiga katteyachu.....reduces the loan amt in india too.......ikkada enni loans tesukogaligithe antha manchidhi.......... [/quote] lendingclub loo loan ki apply chesthee vadu purpose aduguthadu , appudu em pettalii?
anandam2012 Posted December 3, 2012 Report Posted December 3, 2012 [quote name='dheera' timestamp='1354561712' post='1302889424'] atleast 30% downpayment chesthe best. lekapothe you will end up paying double the amount you took. nenu 43L ki illu konna Hyd lo. 17L down chesa, 26L loan from LIC. 10.7% interst floating. 15yrs ki teesukunna...EMI 29K kaduthunna 6 months tarvata nee daggara entha amount vunte antha kattukuntu vellochu bulk ga...vaallu option istharu duraion aina tagginchukovachu or else EMI amt tagginchukovachu. ..I think duration tagiinchukunte best.... bank statements highlighting your salry deposit, pay stubs, 2yrs w2's and oka form fill chesi Ind ki pampinchali. One more thing...power of attorney isthu vunte evrikina aa form kooda fill cheyyali....so that that person will go and get the loan on behalf of you.. one more thing, EMI NRI acct nunde kattali...so first velli [b]NRO/NRE acct[/b] open chesuko hope this info will be useful for you... [/quote]NRO/NRE acct ela open cheyali bhayya....konchem aa rendinti madya difference cheptava?
prasadkvv Posted December 3, 2012 Report Posted December 3, 2012 [quote name='anandam2012' timestamp='1354562011' post='1302889471'] NRO/NRE acct ela open cheyali bhayya....konchem aa rendinti madya difference cheptava? [/quote] NRO acct ki nuvvu Ind lo tax pay cheyyali....NRE ki no need. NRE acct loki nuvvu dollars deposit cheyyochu or draw chesukovachu....inka anthe difference....google lo search cheyyi.... nenu NY lo direct ga citi bank ki velli open chesa....oka photo, drving lic copy, oka form fill chesi some 1000$ cheq ivvali. anthe process. you can choose your base branch like Hyd , banglr etc.
flavours Posted December 3, 2012 Report Posted December 3, 2012 [quote name='karna11' timestamp='1354561953' post='1302889461'] lendingclub loo loan ki apply chesthee vadu purpose aduguthadu , appudu em pettalii? [/quote] nenu aithe buying furniture and house hold things ani petta.... leda clear off debts ani kuda pettachu....
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