Personal Debt Management

Loan Due Diligence Factors

Before you sign, you must put your loan through the "Sleep Test". Is this money building an asset or just pampering your ego?

The 40% Rule: Your total EMIs should never exceed 35-40% of your net take-home pay.

Secured vs. Unsecured: Understand why a Gold Loan is always cheaper than a Personal Loan.

Reducing vs. Flat: An "enticing" 10% flat rate is actually a 15%+ interest rate in disguise.

Watch this video for a breakdown of the "Hidden Fees" lenders mask in the fine print.