Home loan balance transfer: when moving to a government bank is worth it
At 8.5%* a transfer can save several lakh rupees over a long remaining tenure — but only once the processing, legal and valuation costs are netted off. Here is the arithmetic.
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The enhanced guarantee cover lets small manufacturers and traders raise larger facilities without pledging property. We set out who qualifies and the paperwork that decides the outcome.
Our mission is to deliver reliable, up-to-date news and opinion on the credit market — the scheme changes, rate movements and documentation requirements that decide whether a file clears. Written by the people who place the files, not by a content desk.
Discuss your filePractical reading for borrowers and business associates.
At 8.5%* a transfer can save several lakh rupees over a long remaining tenure — but only once the processing, legal and valuation costs are netted off. Here is the arithmetic.
Most project loan files fail on the DPR rather than on the project. The recurring gaps we see in appraisal, and how to close them before the file reaches credit committee.
A confirmed load contract can matter more than two years of filed returns. How first-time buyer and first-time user schemes are actually assessed.
Rate, tenure, documentation and what happens if you miss an instalment — the four points that should decide between a secured and an unsecured route.
Repeated applications depress the score further. The correction process, how long each stage takes, and why FTM finances secured loans at any CIBIL score.
Where our team has been quoted on credit, MSME finance and the lending market.
MSME lending without collateral: the guarantee schemes explained
Quoted on how credit guarantee cover changes the assessment for small manufacturers.
Punjab’s small units turn to guarantee-backed credit
FTM on the shift from property-backed borrowing to scheme-backed MSME facilities.
Home loan transfers pick up as public sector rates hold
Comment on when a balance transfer to a government bank is worth the switching cost.
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