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People generally have two options when it comes to where they live and ultimately call home. One is to rent a home that someone else owns and the other is to purchase a home for themselves. People who decide to buy a house often do so because they are ready to settle down in one …
Consumer buying behaviour is the sum total of a consumer’s attitudes, preferences, intentions, and decisions regarding the consumer’s behaviour in the marketplace when purchasing a product or service. Consumer behaviour can be broadly classified as the decisions and actions that influence the purchasing behaviour of a consumer. What drives consumers to choose a particular product with …
Nowadays when loans are available for everything that we need to fulfill our diverse needs and desires. But when we think about any loan… we first think about Equated Monthly Instalments ( EMI). Any loan or the amount borrowed has to be repaid over the time with some interest and a fee. Especially when it comes …
There are lots of real life situations when we need finance either for our business or our personal needs such as to send our kids abroad for higher education or a wedding of our child. The first thing that comes to our mind is “Where would I get the money from?” There are lots of …
Shopping for a mortgage loan can be really extremely tiring and demanding. Since there are thousands of mortgage lenders and hundreds of ways the lenders can tweak home loans to distort the real costs of the loan. You may be having the excitement of buying a new home or a car; it’s understandable that many …
For processing any type of loan the most pivotal information which any Bank or NBFC seeks is the credit information report of the customer, these reports are being fetched from the credit bureaus. A credit bureau is a company that collects and maintains individual credit information and sells it to lenders, creditors, and consumers in the form of …
Post Demonetisation every bank was flooded with the liquidity, the first impact was a cut in the deposit rates followed by steep 80-90 basis point( one basis point or BP is one hundredth of a percentage point) cut in it Marginal cost of fund based lending rates(MCLR). That cut though does not means that …
The reference rate is a benchmark upon which interest rates for financial operations are set. On the basis of reference rates banks and financial institutions decided their lending rates for different financial products considering the credit worthiness of the customer. The reference rates differ for every bank and financial institution and is directly relative to the repo rate which …