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Apply for a Personal Loan with Low CIBIL Score from Money View

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A CIBIL Score is a three-digit numerical representation of your creditworthiness which is determined by financial institutions before sanctioning you the loan amount, credit card, and so on. A credit rating with a CIBIL score of 750 or above is excellent and can help you be eligible for personal loans. Banks and NBFCs would make it more difficult for you to approve the loan if your score is below the stated. In addition, the loan amount you may borrow is largely determined by your CIBIL score, apart from your income criteria, salary, etc. 

Due to Money View’s in-house unique credit model, even with low credit scores you can get a loan, as long as your CIBIL score is over 600 or Experian score is over 650, you can still get a loan from Money View.

Why is CIBIL score important to apply for a personal loan?

To be considered for a personal loan, you must have a credit score of at least 600. Because CIBIL ratings are meant to be a reflection of your money management skills, they are just a result of how you manage your debts. Applying for a personal loan with a low CIBIL score is only possible across private institutions in India. However, it is the first and the most important criteria which most lenders consider while you apply for a personal loan. Your credit score is based on your creditworthiness, or your potential to repay debts, among other factors. 

Individual CIBIL results are computed by the TransUnion Credit Information Bureau (India) Limited or CIBIL considering your loan payback record, existing debts, and other factors. As a consequence, neglecting to reimburse on or before the deadline will earn you a bad score, whereas prompt loan reimbursements will get you a higher score. This simply implies that you should and should make timely settlements of your debts to maintain a good credit score which would make a direct impact on your loan being approved. 

Why apply for a personal loan with a low CIBIL score from Money View?

Money View is a private lender that provides personal loans for salaried and self-employed persons ranging from Rs. 5,000 to Rs. 5,00,000. With this online lender, you can apply for a personal loan with a range of repayment terms ranging from one to five years, through a completely digital procedure. Continue reading to learn more about why you should apply for a personal loan from Money View.

Quick disbursal: With Money View you will get your instant loan disbursal just in a promised time frame of 24 hours.

Flexible tenure: Money View provides flexible loan repayment plans for up to 5 years.

Affordable interest rate: Money View Personal Loans have an interest rate that starts from 1.33 percent per month or around 16 percent annually. Monthly interest rates range from 1.33 percent to 2.5 percent for loan terms of 3 to 60 months, while yearly interest rates range from 16 percent to 36 percent.

Digital process: Money View allows you to apply for a personal loan without compromising your comfort zone as the entire loan procedure is completed online.

Instant eligibility check: Apart from the benefit of instant loan approval, Money View also allows you to check your eligibility criteria just in 2 minutes. 

Apply for a personal loan with a low CIBIL score: Money View has its own credit model, which allows you to apply for a loan with a CIBIL or Experian score of 600 or 650.

Low-income criteria: Money View offers personal loans to both salaried and non-salaried individuals with a minimum income of Rs 13,500.

Lowest charges available on personal loans: Money View charges a 2% processing fee, 2% monthly interest on overdue EMIs, Rs 500 for a cheque bounce, and there are no loan foreclosure fees.

How to apply for a personal loan with a low CIBIL score with Money View?

To apply for a personal loan in a completely digital way with Money View, you need to first keep handy the required documents such as identity proof (PAN or Aadhaar Card), proof of address, and the last three months bank account statement containing salary credits are all required. After keeping all these documents ready you need to visit the official website of Money View or also you can download the mobile application from the default app store of your mobile. 

Upon creating an account online by entering your mobile number you can check your eligibility just in 2 minutes. By specifying your professional details and personal loan details, your loan application will be approved by the lender and you will get the specified loan amount in your bank account within 24 hours. You can also check your application status under the dashboard section of your account by entering your registered mobile number or email address. 

Conclusion

Having a good CIBIL score is not only required to apply for a personal loan, it is also mostly considered by the lenders when you apply for a credit card or any other type of loan such as a home or business loan. But when it comes to personal loans let me inform you that you may also get pre-approved loan offers that allow you to get approved your loan application instantly with minimum paperwork. Maintaining a good CIBIL score can only be done by making timely settlements or payments of your debts that not only increase your eligibility to apply for a loan but also allow you to keep an eye on your credit management. A CIBIL score is, without a doubt, the most important criteria that banks consider when approving a loan. But as an alternative, if you have a poor CIBIL score, you may still apply for a personal loan with Money View to cover your unexpected expenses or short-term financial goals.               

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A Calm Cat: 5 Ways to Calm Your Furry Feline Friend

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Did you know that around 43 million American households own at least one cat?

While cats are delightful companions most of the time, they can suffer from anxiety on occasion. Watching them get stressed out can be heartbreaking, but cat anxiety can also be dangerous if their energy turns into aggression.

Do you want to learn how to calm a cat if they’re acting worried? Keep reading for 5 tips that will help you keep a calm cat.

1. Understand and Alleviate Their Triggers

An essential part of cat care is learning their personality since cats can’t communicate like humans. Any time you notice your cat starts getting anxious, make note of the cause and see if there are any patterns.

For example, if your cat gets upset when you put them in their carrier to go to the vet, make sure you start planning other trips in the carrier that don’t lead to the vet so they lose this association.

2. Use CBD Oil

CBD is an incredible calming aid for cats and humans alike! Since it’s a natural product, you don’t have to worry about any scary side effects like traditional prescription medications.

Understanding how to apply CBD oil and how often you should give it to them will ensure your cat stays relaxed and healthy.

3. Try a Cat Calming Collar

Cats, dogs, and all kinds of animals have a much stronger sense of smell than us humans. This means that there’s a wide variety of cat pheromone products that are designed to soothe your pet when they need help.

It may sound too good to be true, but putting a cat calming collar on your furry friend can make an immediate difference in their mood.

4. Give Calming Cat Treats

If you don’t feel like fussing with a collar and risk getting scratched, there are also cat calming treats that they can enjoy. These treats often contain soothing herbs that can help your cat wind down just like how tea allows people to relax as well.

Since treats come with different formulas, it’s worth trying a few brands to see which product delivers the best results.

5. Adjust Their Environment

Cats need a dark, quiet, and private space to decompress when they start getting anxious. You can help them feel safe by creating a little cave for them to enter where they won’t be disturbed.

While your first instinct may be to pick up your cat and pet them, most cats won’t react well to touch when they’re stressed.

Now You’re Ready to Enjoy a Calm Cat

Having a calm cat can seem like an impossible feat if yours is known to be skittish. The good news is that this guide is full of great solutions that are bound to make a difference in their well-being.

Do you want to know other ways you can work on becoming the best cat parent? Our site has tons of useful resources for pet owners. Bookmark our blog and don’t forget to visit often so you’ll stay in the loop.

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3 Helpful Tips for Investing in Real Estate

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Did you know that according to the Census Bureau, only 63 percent of Americans own real estate? This number is down from 69 percent in 2004, meaning you have the perfect opportunity to take advantage of the drop in numbers.

Whether you’re looking to retire with a few investments that can generate income or you’re ready for a career change, selling real estate and investing in it can be a great source of income. However, you need to come equipped with the right knowledge in order to make the right investments.

Read on for our top three tips for investing in real estate today!

1. Find a Real Estate Investing Mentor 

One of the most important tips when it comes to real estate investing is to find a mentor. The reason for this is because although you can find dozens of reputable sources online for information, you still don’t know the questions that need to be answered.

Buying real estate blind and without the right knowledge can trap you into investments that aren’t worth the money and effort you spend. Even worse, you may even need to start managing properties without the right experience necessary.

Check out this guide for help with property management.

2. Perform a Market Analysis

Next, you’ll want to do your research on where people are moving as well as the areas where you would like to invest. Although many new investors stick to the local areas they know, it’s also possible to be a remote investor with the right research.

Here are a few details to keep in mind during your market analysis:

  • How will the area look in the future?
  • What are the popular locations people are moving to?
  • What are the total numbers of homes for sale?
  • How long do homes typically stay on the market?

Your analysis also depends on whether you want to flip real estate or hold onto it for short-term vacation rentals or tenants. For instance, short-term rentals are more popular when they’re by the ocean, downtown areas, or other appealing amenities.

On the other hand, you may want to choose areas where lots of companies are hiring or where there are good school districts if you’re looking to purchase a multi-family building.

3. Prepare for Showings

It’s important that as a beginning investor you come to all showings before making a purchase. You’ll be paying attention to how structurally sound the property is and whether it’s in good condition. Try to keep your personal opinions aside about whether you like it or not.

Moisture meters and wall thermometers can also be helpful in order to ascertain whether the property has suffered water damage.

Tips for Investing in Real Estate: Start Your Research First

Although you may be excited and ready to invest in real estate, it’s important that you research tips for investing in real estate beforehand.

For instance, investing in a multi-family building may seem promising, but not when you don’t have any property management experience. Without research of the area, you may also be investing in a home that stays on the market for longer than you desire.

This is why research is so important. Keep reading the blog for more tips!

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How to Get Started Trading Stocks: A Beginner’s Guide

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Investing Investing in stocks can be scary, but it doesn’t have to be.

Stocks are one of the most popular ways to invest due to their growth potential.

But how do you know which shares to buy?

We have the answer for you.

We present them as best stocks to buy now.

What are shares?

Shares are a company’s equity.

The easiest way to understand what action is is to think of actions as individual actions. For example, if you buy stock on a stock exchange, you buy stock in a company.

And the easiest way to understand the company is to think of actions as an action of the company itself.

For example, if you bought Microsoft, you are now a Microsoft shareholder.

Or, if you were the owner of BP, you are now a shareholder in the oil company BP.

What are shares?

Shares are a unit of ownership in a company. It can be purchased as a whole share or fractions. Shares can also be constrained, like debt shares.

Typically, the value of the shares reflects your ownership. Therefore, the value of shares will be greater the more we have

And how do you know the value of the shares?

You can find this information listed in the company’s annual report.

This gives an idea of ​​the company’s financial health. A great example is Amazon.

Many people now turn to Amazon for product reviews and advice. This is great for your business, but it can also be a problem if Amazon’s market value gets too high

If Amazon stock becomes too expensive for other investors, the stock can be difficult to sell

What are dividends?

Dividends can be described as compensation to investors for the risk they took with the stock. The more shares in a company you own, the greater the dividend.

Dividends are normally paid as a percentage of the stock price. For example, if you buy Apple (NASDAQ: AAPL) for $100 a share, you will receive $4 in dividends per month. If Apple goes up to $150, you’ll get $5 in dividends a month.

Let’s say Apple goes up to $200 a share. After that, dividend payout will increase to $5 per month

For a long time, dividends were paid monthly. However, in some companies, dividends can be paid up to 10% per quarter! This means that every 12 weeks you will receive a payment for your stock investment.

This is a great way to stay invested

Stock market risk

According to Investopedia, stock market risk is “a measure of the volatility of stocks over time and is determined by estimating the potential future gain or loss of a stock under normal market conditions.

This risk value is known as the Sharpe Ratio and is a mathematical metric used to measure returns over a specified period.

Here is the formula to determine the Sharpe Ratio of a stock:Ratio

Sharpe= Return / (Standard Deviation

The Sharpe Ratio is named after the most famous factor-based model for valuing stock investments. This model was created by Nobel Prize winning Professor Harry Markowitz.

Markowitz’s original formula is as follows

Ratio = (Return (Index) / Standard Deviation

I know what you’re thinking.

Stock Market Basics

Stocks are the highest risk, highest reward investments available.

A share is a contract between a company and an investor.

For example, you buy Microsoft Corporation (NASDAQ: MSFT) when the stock is trading at $42 a share.

If the stock drops below $42 a share, you sell your Microsoft stock at a profit.

If the stock rises above $42 a share, you are a happy investor.

Here are some other simple terms you should understand before investing in stocks.

Stock: A piece of a company.

Mkt: an exchange where shares are traded.

Cumulative: A number that measures how much inventory has increased or decreased over a specified period.

Price: The price at which the stock is trading at any given time.

How do I buy shares?

There are three simple steps to investing in stocks:

Identify an industry with high growth potential. Then, search and choose the best actions according to your strategy

Inventories offer greater growth potential than other assets. The reason they do this is that stocks offer higher returns and lower risks.

Some of the best stocks to invest in are listed below.

The only rule for investing in stocks is:

there is no rule. Just do what makes you feel comfortable and keep doing it every day.

This is especially true for beginners. Most people are afraid to invest in stocks and to make any investment.

When you start investing in stocks, you are just starting a new chapter in your life. So make sure you take everything slowly and don’t get carried away

Brokers and Depositorie

Before making your first trade, you will need to open your account with a broker or custodian.

Most brokers are regulated by the federal government and overseen by the Financial Industry Regulatory Authority (FINRA). Therefore, they must be registered with FINRA and comply with its rules.

Other custodians, such as TD Ameritrade (AMTD) and Scottrade, are not regulated by FINRA and maybe a better choice for some investors.

You will be asked to name the bank, asset manager, and broker you wish to deposit and trade with when opening an account. Some brokers, like E-Trade, allow you to make the change in minutes. Others, such as TD Ameritrade and Charles Schwab, will require you to speak with their representatives to confirm that opening an account is a good idea.

How to buy stocks online

It’s a question we’ve received hundreds of times from customers and readers, so we’re on a mission to help you answer it: How do you buy stocks online?

Our biggest lesson: Some of the most important lessons you’ll learn about investing are available for free online.

We’ve compiled our list of favorite features below. We recommend checking the list and flipping through it from time to time.

To get you started, we’ve compiled our favorite features:

The Stock Advisor: Turn your friends’ portfolios into big money. Jeff Gundlach’s Rules for Buying and Keeping. Summary: It says to buy low and sell high.

Turn your friends’ portfolios into big money. Jeff Gundlach’s Rules for Buying and Keeping. Summary: It says to buy low and sell high. Investopedia: 8-page primer on stock investing.

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