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shrlekha10 · 5 years ago

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Coronavirus lockdown: ‘Silent’ Gudi Padwa, Navratri force virtual project launches

Real estate experts are expecting pick-up in activity after June. The sector should see traction during Dussehra when most new projects are slated to start.

With the coronavirus pandemic impacting our lives and the subsequent lockdown restricting movement, the mood on Gudi Padwa in Maharashtra and Navratri in North India - traditionally considered auspicious to invest in real estate in India - remained subdued even as some real estate developers launched new projects virtually.

Real estate experts told Moneycontrol that the momentum of new launches this festive season had slowed down considerably due to the coronavirus pandemic. Footfalls and site visits, too, are almost nil following the countrywide lockdown and a ban on construction.

Some of the real estate developers Moneycontrol spoke to said that they had decided to launch their new projects virtually while others said they had decided to defer the new launches until Dussehra.

“This is perhaps the most silent Gudi Padwa and Navratri that we have ever seen. Due to the country-wide lockdown, there have been no bookings and no enquiries. While there have been some virtual project launches, most developers have decided to defer new launches until Dussehra and Diwali,” said Ritesh Mehta, the senior director and head - West India, Residential, Jones Lang Lasalle India.

However, industry experts are hoping that real estate activity is likely to pick up after June. “We are anticipating that while H2 would remain tepid, residential real estate activity may recover during Dussehra which is expected to see new project launches and also those that have been deferred this season,” he said.

With lockdowns imposed across the country, who will book housing units and be allowed to register his unit, asks Pankaj Kapoor of Liases Foras.

“Launches are down. This is perhaps the most silent Gudi Padva,” he said, adding “the sops are missing and in the COVID crisis even reasonable discounts are unattractive as people are not sure of their own jobs and their ability to take on a long term liability.”

Prashant Thakur, the director and head - Research, ANAROCK Property Consultants, says that - given that developers always schedule project launches during the auspicious festivals of Gudi Padwa, Akshaya Tritiya, Navratri and Ugadi - it will certainly remain muted in 2020. With strict advisories for complete lockdown across cities, housing sales too will plummet during the upcoming festivals, usually considered auspicious by several homebuyers to buy homes.

Runwal Group has decided to postpone its Gudi Padwa launch and all its campaigns. “All our site offices are closed,” said Subodh Runwal, Director - Runwal Group.

Vijay Khetan Group planned to launch a new project ‘Codename Amazon’ in Andheri East. “Earlier there was to be a physical launch with channel partners and brokers but now due to the Covid-19 situation, we are conducting a digital launch where we will accept requests from customers online,” said Anuj Khetan, Director - Vijay Khetan Group.

Realtors say that the real estate sector has been badly hit by the pandemic and there is already a dip in buyer interest as they are wary of project delays. At this juncture it does not make sense to launch new projects. "Sales are down and the decline is expected to continue for the next two to three months," said Yogesh Jaiswal, Director - Le Classique Pvt Ltd.

Manoj Gaur, MD, Gaurs Group and Chairman, Affordable Housing committee, CREDAI (National), admitted that sales have been adversely affected.

"But it is temporary phenomena," he said.

Deepak Kapoor, Director, Gulshan Homz, said that people are deferring property buying decisions and therefore sales in March are likely to dip.

Ankit Kansal, MD and CEO - 360 Realtors, said that in markets such as Gurgaon and Noida, transactions have come down by 39% and 44% respectively in the first three weeks of March compared to last month. In Bengaluru, the dip is as much as 32 percent. Other markets like Pune and MMR have also been adversely affected.

According to The Guardians Real Estate Advisory, the Mumbai Metropolitan Region may see a 27 percent reduction in property registrations year-on-year. The region has managed only 9,300 home registrations between January and March in 2020 as against 12,800 home registrations in the January to March quarter in 2019. The lockdown may also see loss in real estate business to the tune of Rs 5,050 crore to Rs 6,500 crore.

https://www.moneycontrol.com/news/business/real-estate/coronavirus-lockdown-silent-gudi-padwa-navratri-force-virtual-project-launches-5071871.html

#RealEstate

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rewardeaglemarketing · 4 years ago

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Amazon Great India Festive Sale is Slamming the E-commerce market

The Amazon Great Indian Festival has made everyone turns their heads as it has gone live and is slamming the e-commerce market. Amazon’s Great Indian Festival sale, which beat off for Prime members on Friday and for all shoppers on Saturday, has so far witnessed the biggest demand for smartphones, large devices, and consumer electronics.

Amazon Great Indian Festival Sale Is Amazon's seasonal Mega online Shopping Festival For Indian purchasers. Where rightly before Diwali Amazon Extends Amazing Deals And Discounts notably For Indian Buyers. One can Experience Every 30 Mins New Thunderball Deals On Mobiles, Laptops, Amazon Fashion, And All Other Available Sections on Amazon India. Check our website For All Proposals From Amazon Great Indian Festival Sale.

This year respectively, Amazon has brought some great offers on all its popular merch. There is up to 40 percent off on mobiles and accessories and up to 60 percent off on electronics. Amazon's Great Indian Festival Sale, started on October 17 and shall go on for nearly a month to accord with the festive period. Amazon Prime members were awarded early admittance to the sale, from October 16.

A customer can make use of amazon promotional coupon codes for amazon on an array of products. Think of any merchandise, from consumables, fashion, jewels, apparel, electronics, magazines, footwear, transport spare parts, makeups, health equipment, sports items, accessories, and devices, Amazon has it all and mulls the deal with the Amazon coupon codes.

You will find the net to be swamped with various voucher code e-portals that grant a whole lot of premium vouchers for diverse products. There are in fact only a few e-portals that give you rebates on anything from Amazon that your soul aspires to. With countless discount coupons, Amazon is true to be considered if you are within a budget as most of us are. These scanty Amazon discount cards are conducive to making shopping pleasant for consumers when they alight up at Amazon.

Consumers acknowledge it a lot when they do not have to spend the full amount on a product. Keeping this in mind, Amazon constantly renews its list and they can get you as much as 70% off on your chosen article. So you are open to doing your willful shopping as long as you have a consigned website to gather Amazon coupon codes from. In this regard, www.rewarddseagle.com is the most esteemed online portal for purchasing different juicy Amazon coupons India and amazon deals.

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un-enfant-immature · 4 years ago

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Amazon tops 1 million Prime subscribers in India; reports record seller participation in Prime Day

Amazon has amassed at least 1 million subscribers for its Prime loyalty service in India, the e-commerce giant revealed today in a long rundown of how its platform fared during last week’s Prime Day in the world’s second largest internet market.

More than a million Prime subscribers in India shopped from small businesses in the two weeks leading up to 48-hour Prime Day event last week, the company said in a blog post. Factoring in the ongoing global pandemic, Amazon last month chose India as the first market for Prime Day this year.

This is the first time Amazon has even vaguely disclosed how many of its users in India have signed up for the Prime subscription that costs $13.3 a year in the country (compared to $119 in the U.S.) and bundles Prime Video and Prime Music services. Amazon launched Prime in India four years ago. Globally, Amazon has over 150 million Prime subscribers.

More than 91,000 small businesses (sellers) in India — a record for the company — participated in the local Prime Day, and sold to customers living in 5,900 zip codes (covering more than 97% of the country). Over 4,000 of these businesses clocked sales of more than $13,350 (slightly below 4,500 businesses during last year’s Prime Day), and overall 31,000 sellers reported the two-day period last week as their best selling on the platform.

Chinese firms Xiaomi and OnePlus continued to command dominance in the smartphone category, one of the top three selling categories on Amazon, during Prime Day and also attracted customers to their accessories, laptops, and television sets, Amazon disclosed. The reception stands in contrast with the all-time high anti-China sentiments swirling across India in recent months.

Amit Agarwal, SVP and Country Manager of Amazon India, said in a televised interview that last week’s Prime Day also illustrated an “increasing trend of local Indian sellers use Amazon as a starting point to launch products and reach customers globally” but he declined to share any figures.

“This Prime Day was dedicated to our small business (SMB) partners, who have been increasingly looking to Amazon to keep their businesses running. We are humbled that we were able to help as this was our biggest Prime Day ever for small businesses,” he said in a statement.

Prime Day is one of the biggest sales events for Amazon globally. In India, the e-commerce giant has historically sold more goods during sales events scheduled around the festival of Diwali, which is when local residents peak their spendings.

But the participation of 91,000 sellers in last week’s Prime Day is the highest Amazon has ever witnessed during any sales period in India. During the sale around Diwali last year, for instance, the company had reported the participation of 65,000 sellers.

Amazon, which competes with Walmart’s Flipkart in India, has visibly rushed to expand its base of sellers in the country in recent quarters. Earlier this year, Amazon founder and chief executive Jeff Bezos said the company would invest $1 billion in India to help digitize local small businesses and increase their cumulative exports on Amazon to $10 billion by 2025.

The company revealed today that it has amassed 650,000 sellers in India, up from 500,000 it disclosed in January this year.

Amazon has also been focusing on tie-ups with neighborhood stores across the country, leveraging their vast reach to drive more people to shop online. The company said over a thousand such shops from more than 100 cities made their debut on Prime Day last week.

Amazon also claimed that during Prime Day, the number of requests people made to Alexa exceeded one million. The company also shared a wide-range of other stats such as a claim that twice as many customers signed up for a Prime membership during last week’s Prime Day compared to last year’s. But without any concrete figures, these numbers are bereft of meaning.

#TechCrunch

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loansinghfinanceblogme-blog · 6 years ago

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The big day is finally upon us. Wow! Diwali is here and you can sense the buzz!

Flipkart and Amazon have been going gung-ho through their Diwali sale tempting one and all with offers running from electronics to apparel. With so much focus on Diwali, and its impending festivities, we had to dedicate a special piece for Diwali and its significance. We are flooded with so many Diwali personal loan applications simply for the purpose of Diwali shopping. Hang around till the end of this article to learn more about Diwali, its traditional significance and its impact on businesses and consumers alike. We will also tell you how to apply for a Diwali personal loan from the best digital lending platform in India – Yours truly, Loan Singh!

Click here, to understand all about a personal loan in India

The Festival of Lights

Diwali is a Hindu festival of lights that is celebrated with traditional reverence and pomp throughout India. Diwali is a public holiday which couples for greater unity, bonding and fun. It spiritually signifies the victory of light over darkness, good over evil, hope over despair and knowledge over ignorance.

The festival unfolds over a 5-day period, with Diwali being the main festival night.

People clean, renovate, upgrade and decorate their homes and offices. Purchase and wearing of new clothes or apparel is a must. Clay diyas and sky lanterns are illuminated outside each home. Puja is performed for the Goddess Lakshmi – to invite prosperity and fertility into the home. Exchange of gifts and welcoming of guests with sweets is mandatory.

Diwali Days

Being a 5 day festival, the festive period begins much before the actual day of Diwali. The 5 days of this festive period are

Day 1 – Dhanteras

It is a day when houses and business premises are cleaned and decorated. Entrances of homes are adorned with Rangoli, including the walkways of offices. The setting up of lighting for the 5 day period begins on this day. Dhanteras is marked as the birth day of Goddess Lakshmi, and hence spurs the buying of gold or silver articles as a good omen. Merchants, traders and online portals stock up their products and offer hefty discounts.

Day 2 – Naraka Chaturdasi

The second day is also sometimes referred to as ‘Choti Diwali’ or ‘Mini Diwali’. It is symbolized as the day when the asura demon Narakasura was killed by Lord Krishna. In some states of India, this day is celebrated as the main day of Diwali (rather than the next). Families are seen to be busy preparing shopping lists or making homemade sweets and savories.

Day 3 – Lakshmi Puja

Celebrated as Diwali across most of India, people celebrate this day wearing the best outfits they can afford. Pujas are offered, earthenware lamps are lit with oil, doors are left ajar for guests to come and the festivities begin in full swing. After the puja, people go outside their homes and light an array of fireworks. Cultural programmes are held everywhere.

Day 4 – Padwa

This day is celebrated as a token of love between a husband and wife. Husbands purchase thoughtful gifts for their better halves. So in case you want to make your wife get a bigger smile, pamper her with leather bags or an expensive wardrobe filled with designer shoes or clothes this Diwali.

Day 5 – Bhai Dooj

The fifth day of the period is celebrated as Bhai Dooj. The day ritually emphasizes the love and lifelong bond between siblings. A puja is performed by sisters for their brothers, culminating with sharing of gifts.

Click here, to understand everything about credit score in India

Diwali Shopping Offers

Diwali is easily the most awaited time during the year to shop and spend money on whatever you feel like buying. As seen from the information above, Diwali is a festival for everyone – Young, old, siblings, couples and even millennials like us. Each year it is estimated that close to Rs.25000 Crore is spent by Indians on just the shopping during Diwali. This number is set to further increase this year. Private company employees await Diwali for the annual bonus. Those who feel they have no other source of funds to indulge in Diwali shopping can easily avail a Diwali personal loan from Loan Singh. More on that later…

Marketing ploys by major retailers largely go unnoticed. Giant billboards, commercial jingles and Facebook Ads hardly let us turn a blind eye from Diwali’s spending lure. Past years saw a sluggish economy and spiraling inflation which affected sales. Crowds are attracted to malls by celebrities, whereas offers, discounts and schemes know no bound. The e-commerce side of business cannot be lagging behind, can it? Heavy discounts, Diwali centric super sales and free delivery waivers tend to turn our attention to spending big on e-commerce websites.

Long queues force some of us to plan and spend for Diwali much in advance. This is a good tactic to employ. People are not interested in simply buying shoe racks or coffee tables; their need now encompassed sofas and dining table sets. Such items of furniture do not work on the ‘discount formula’ because not always do we need furniture. But, Diwali is that time of the year when an upgrade to your home is paramount. As per a recent study, ‘Gifting Friends and Family’ was the top most reason to spend big during Diwali last year. It is our love and affection to one another that a reason like this has topped other materialistic reasons such as ‘Clothes and fireworks’, ‘Gold’, ‘Electronics’ and ‘Second Hand Vehicles’.

The past weekend saw a heightened level of shopping as families headed out to purchase clothes, dry fruit boxes, sweet hampers, lights, decorations and what not. The ones who want to upgrade their home, buy a second hand vehicle or purchase expensive furniture are always on the lookout for a source of quick funds because going to a bank and applying for a personal loan will not just take time but also require a long list of documentation. This is where Loan Singh enters…

Online Diwali Loan

One of Loan Singh’s unique offerings is to provide an online personal loan to salaried individuals who have never availed credit before. To cater to the long list of Diwali expenses, it is obvious that you need a source of funds to celebrate the festival in all its pomp and fervor. Personal loans are unsecured loans that are availed to meet these exact fund requirements. As it is an unsecured loan, it does not require any collateral.

Loan Singh looks at your creditworthiness to determine if you can pay the loan EMIs regularly, or not. The idea is to not strain you with credit but to make sure that your salary and savings permit you to avail credit. Your credit report acts like a gauge for Loan Singh. It shows how prompt you have been in your previous credit responsibilities and how trustworthy you are. Loan Singh is perfect because of

No collateral – Having no collateral gives personal loan an advantage over a secured loan. Even if you do not own any fixed assets, you can at still get funds from Loan Singh.

Multiple purposes – A personal loan can be availed for a number of purposes such as shopping for Diwali, purchasing household appliances, electronic gadgets, purchasing gold, holiday travel, home improvement, job relocation, medical expenses, marriage, etc.

Personal Loan Benefits in India

Loan Singh’s hassle-free process and quick approval personal loans are perfect for salaried individuals like you who are too busy to even get a rest. The attractive EMIs and interest rates at Loan Singh, make personal loans affordable to repay back. Add luxury to your mundane lives without putting too much strain on your finances. Your dreams are our dreams. We help turn your dreams into reality. Brand new appliances and electronic products are also needed in case you are relocating due to your job. The job relocation personal loan at Loan Singh helps cover exactly this.

Loan Singh’s emi calculator will help you understand how much you need to pay in order to clear your consumer durable loan. The calculator only needs your intending loan amount and tenure for telling you how much you need to pay each month. A personal loan can be availed between Rs. 50,000 and Rs. 10 Lakhs.

Another huge benefit you have with a Loan Singh online personal loan is that you have the freedom to choose where you want to spend your loan amount on. You can apply for a shopping loan and utilize the cash to spend on an Amazon, some on Flipkart or some on Snapdeal. Unlike so many ecommerce websites that let you gain discounts for possessing a debit card or points of a particular finance provider, Loan Singh’s personal loan can be utilized to be spent on the website you want and on the product you want to spend on.

About Loan Singh

Loan Singh is a digital lending platform that prides in providing online personal finance loan or unsecured personal loan to salaried individuals. You can apply for quick funds as an easy emergency loan which is not a bank loan. We provide a loan with the best personal loan interest rates. The instant funds, or instant loans, are loans between Rs. 50,000 and Rs.10,00,000 taken for purposes such as:

Home improvement loan/Home renovation loan

Marriage loan/ Wedding loan

Medical loan

Used vehicle loan

Consumer durable loan

Vacation loan

Debt consolidation loan

Credit card refinancing loan

Job relocation loan

Smartphone loan

Travel loan

Festival loans

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Short term loans

You can calculate your easy EMIs using our personal loan EMI calculator. We accept bank statement and PAN, for quick loan approval. A bad credit score or credit report errors can lead to personal loan rejection. The ‘Loan Singh Finance Blog’ is one of the best finance blogs in India. Loan Singh is a product of Seynse Technologies Pvt Ltd and is a partner to the Airtel Online Store.

Loan Singh’s Online Presence

Loan Singh is not an anonymous digital platform. We are present on almost all leading social media platforms. All you need to do is look for us. You can find us on Loan Singh Facebook, Loan Singh Twitter,Loan Singh Google+, Loan Singh YouTube, Loan Singh Pinterest, Loan Singh Instagram, Loan Singh LinkedIn, Loan Singh Blogarama, Loan Singh Google Business, Loan Singh Medium, Loan Singh Reddit, Loan Singh Tumblr, Loan Singh Scoop It, Loan Singh Feed, Loan Singh Storify, Loan Singh Digg and Loan Singh Blogger.

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shrlekha10 · 5 years ago

Text

Coronavirus lockdown: ‘Silent’ Gudi Padwa, Navratri force virtual project launches

Real estate experts are expecting pick-up in activity after June. The sector should see traction during Dussehra when most new projects are slated to start.

Some of the real estate developers Moneycontrol spoke to said that they had decided to launch their new projects virtually while others said they had decided to defer the new launches until Dussehra.

With lockdowns imposed across the country, who will book housing units and be allowed to register his unit, asks Pankaj Kapoor of Liases Foras.

Runwal Group has decided to postpone its Gudi Padwa launch and all its campaigns. “All our site offices are closed,” said Subodh Runwal, Director - Runwal Group.

Manoj Gaur, MD, Gaurs Group and Chairman, Affordable Housing committee, CREDAI (National), admitted that sales have been adversely affected.

"But it is temporary phenomena," he said.

Deepak Kapoor, Director, Gulshan Homz, said that people are deferring property buying decisions and therefore sales in March are likely to dip.

https://www.moneycontrol.com/news/business/real-estate/coronavirus-lockdown-silent-gudi-padwa-navratri-force-virtual-project-launches-5071871.html

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dealsediscount · 8 years ago

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loansinghfinanceblogme-blog · 6 years ago

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“Congratulations on Availing a Diwali Personal Loan from Loan Singh!”

If you are the recipient of this email from our highly efficient operations team, then you deserve a pat on the back. With most millennials struggling to manage their finances, it is not advisable to apply for any type of credit – whether secured or unsecured. We receive hundreds of applications daily; with a majority of those applications getting rejected. The reasons are aplenty.

Some have a poor credit score thanks to past defaults with lenders. Some barely have any money left to spend for yourself; EMIs are a far-off thing. Remember that availing a personal loan is a serious responsibility. The Diwali personal loan you availed is for the purpose of celebration. You wouldn’t want to avail a loan and then keep worrying about how you can pay off the EMIs. That would make Diwali a bittersweet experience. For those who have their applications rejected, fret not! We are putting this piece up for you as a reference point to understand why budgeting is important to enjoy a financially stress-free life.

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Why Do We Ned Financial Budgeting?

Budgeting allows you to set-up a spending plan, which in turn ensures that you always have the money to spend on important things. Budgeting allows you to stay out of debt if you maintain discipline towards it. Budgeting does not mean you become a miser and try to save every single penny. A good and well-structured budget provides you with a great opportunity to experience a comfortable lifestyle with reduced financial stress.

You obviously cannot increase your monthly salary at will. It comes with hard work and patience. So, in case your monthly income is the same for a certain period, you will need to limit your expenses to be able to save more. Add to that life’s challenges such as marriage, maintenance or purchase of a used car, family get-togethers, medical emergencies, etc. Rise in prices due to inflation doesn’t help either. Whether you’re a low-income salaried individual or take home a fat paycheck, you still need to follow a budget. Fixed incomes and ambitious financial goals make a budget most essential.

Maintaining a budget also does not mean that you don’t have to apply for a loan. A personal loan is a good option when you need quick funds, and that too, without any hassles or time delay. Let’s say that if you are the only working member in your family, it would be hard for you to improve your home without a personal loan. A loan will be accompanied by EMIs that need to be paid each month. This EMI will show on the expense side of your budget.

Simply making a list of expenses versus income, and jotting down numbers under each column daily won’t give you financial freedom. You have to analyze and implement the budget in your financial decisions. A budget will indicate warnings when you move away from the financial plan. Not having a well-set budget will either leave you without a plan or without benchmarks to compare to previous month’s savings.

Managing Budget Wisely

Budgeting is a process of creating a plan to spend your hard-earned money. A plan, that you so painstakingly create, should contain fields such as income, expense, bills, EMI, and investments. Budgeting helps you determine, in advance, whether you will have enough money to do the things you need or would like to do. It balances your expenses and income. If the expense side is dominant, then that indicates debt.

Consider a scenario where you are earning well but are unable to save due to your spending habits. You have no clue where your salary is used-up and hence are forced to borrow cash from friends, or family, to pay for bills and EMIs. When you are on the brink of such financial mess, it’s time to get a hold of the situation and start creating a budget. Millennials nowadays don’t include ‘budget’ in their vocabulary. Living month on month, they consider budgeting to be a control mechanism rather than a byword for financial leeway. This is certainly not true.

A budget simply helps you to spend smartly. It helps you to focus on your hard-earned money. It prevents you to overspend on less important things. It channelizes your resources to areas that are higher on your priority list. With India, firmly enveloped in digitalization, you have the ease and liberty of spending via credit card, as well. Preparing a budget requires you to visualize not only the past spending behavior but also look at your current status. Your budget then helps you to achieve a stable and stress-free financial future. Let’s take a look at ways by which you can make a better use of your budget.

Attaining Financial Goals

A budget helps you to get an overall picture of your finances. The goal is to collect all possible information pertaining to bank statements (slips, receipts), credit card information (payment statements) and salary slips. Then find the average amount you spend monthly, and break this down into segments, such as fuel, gas, entertainment, household expenses, insurance, debts paid, medical expenses and end-savings per month.

Try to balance the income with the expense. This will show if you are in surplus (more income less expense), or in deficit. Setting timelines for your goals is also a good practice. For example, you can start a small fund to save for traveling abroad and keep a target of 6 months to do so. You can then judge how much you need to allocate every month towards the fund.

Overcoming Bad Habits

Overuse of credit cards can lead to serious repercussions on your budget. Sticking to your budget also involves spending via credit card at a minimum and only when necessary. It seems much more fun to go on a shopping spree over Amazon’s Diwali Sale rather than to save now for a dream holiday, same time next year. Sure, the offer is now and it has to be availed-of but do you really need to make that expense? Do you really need a cable connection plan that includes 60-70 channels or 25-30 pair of heels? Good budgeting is important to help you re-think your spending habits and focus on your financial goals.

Finding Financial Peace

A good view of your financials will help you stay focused on wealth building. You need to save to have a grand wedding for your children or be secure during your retirement. Budget is important to eliminate debts, which once done will help you to redirect that money towards your savings.

If you don’t have a budget in place, you will not be able to afford a new flat screen TV, a swanky new car or jewelry for your spouse. Budgeting is mostly avoided by a salaried individual due to work or other priorities. It is a great way to save you the grief of overspending and falling into debt. It does not stop you from enjoying your life, rather ensures that you enjoy your life in a planned way.

Tracking Your Money

Budgeting helps you keep track of your expenses from personal loan EMIs, credit card bill statements, ATM receipts, rent receipts, monthly utility bills, monthly shopping bill, restaurant bill, dividend receipts, insurance policies, etc. The usual rule to follow towards budgeting is the 50-30-20 rule. According to this rule, 50% of your income should be used to spend towards essentials such as food, clothing, rent, fuel, cable, etc. 30% of your income to be spent on discretionary things such as dining out, online shopping, festival shopping, etc. The balance 20% is to be saved.

Build An Emergency Fund

Emergencies can crop-up any time. It could be a job layoff, illness, accident, death in the family, bad divorce, bad investment decisions, etc. A well-structured budget can help you have the savings needed to prepare for an emergency. If it is possible, try preparing an emergency fund out of the budget. This spare money can also help you get out of a financial debt, should the need arise. Align the emergency fund to your budget and start with small savings.

Approach Credit With Caution

You can shirk any credit-related worry if you adhere to your budget. Payments of your personal loan EMIs and credit card bills will be a breeze because a budget will ensure you have money in the bank. You can use your budget to clear-off a personal loan ahead of tenure. Following a strict budget over a period of time will build a pattern that will tell you how sooner you will be clearing your loan and that will give you a chance to plan what you will do with the money you otherwise would have spent on an EMI. A budget helps you set-up short-term and long-term goals such as planning a vacation, purchase a second-hand car, or plan for your child’s education.

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Online Diwali Loan

No collateral – Having no collateral gives personal loan an advantage over a secured loan. Even if you do not own any fixed assets, you can at still get funds from Loan Singh.

Personal Loan Benefits in India

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