The Vibe Journal: Finance Blogs

‘Can we take two personal loans at a time?’ is a common question you may have when you need substantial financing. The good news is that you do so. These additional funds allow you to handle various unexpected or planned expenses like: Read on to know more about getting two personal loans simultaneously, important things …

A written-off status in your CIBIL report means the lender has marked your loan as unpaid after you missed EMIs for 180 days or more. You still owe the money and your credit score drops sharply. You can remove this status only by repaying or settling the dues and getting the lender to update CIBIL. …

The main difference between a mortgage loan vs personal loan is simple. A mortgage loan is a secured loan backed by property, while a personal loan is unsecured and can be used for many personal needs. This one decision affects your interest rate, loan amount and repayment period as a borrower. If you are confused …

The RBI guidelines for personal loans set the rules that every bank and NBFC must follow. These guidelines decide how lenders charge interest, verify applications, share loan details and recover EMIs. They exist to keep the borrowing process fair, transparent and safe for every customer. They also protect you from hidden charges and unethical recovery …

Several lenders offer small personal loans online, making them easily accessible and therefore, a popular option. These short-term loans are best suited for tackling your small needs. You can get the required funds quickly and repay comfortably in your chosen tenure. Some of the ways in which you can use the funding are:  Managing medical …

It has become quite difficult to identify whether it’s a legit or a fraud loan app as umpteen fraudulent applications offer loans to customers with wrong intentions. Such cases have increased due to a rise in digital lending. However, you can avoid falling into a trap set by these applications by taking certain precautions.  Read …

Want to apply for a personal loan with a CIBIL score of 600? Know that it can be challenging as most lenders prefer a higher score. Your score represents your creditworthiness, and therefore, holds great significance for your eligibility. Here’s a tabulated overview of what the score implies: Credit Score Meaning 800 – 900 Excellent …

Getting a personal loan with a credit score of 700 is possible but can be challenging and costly. This is because while some lenders consider it to be good, some prefer a higher score, generally above 750. And although the 50-point gap doesn’t seem that high, it has a significant impact on your eligibility.  To …

Keeping track of your account balance is now easier than ever with Punjab National Bank. You can do a quick PNB balance check anytime using your phone through a call, SMS or online banking. Just use the PNB balance check number or send a quick PNB balance check SMS to see your funds.  All it …

Wondering how to check your Central Bank of India account balance? Don’t worry—it’s super easy! Whether you’re using a phone or visiting an ATM, there are plenty of simple ways to do it.   Here’s a quick guide that helps you understand easy ways to check your balance anytime, anywhere, including using the CBI balance check …