Loans and Credit Cards
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No-Cost EMI, BNPL and Pre-Approved Loans: What Festive Shopping Really Costs
No-cost EMIs, pay-later buttons and pre-approved loans peak around Diwali. Here is what they actually cost, how they affect your credit score, and when they are worth using.
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Home Loan vs. Investing Your Down Payment: A Numbers-Based Comparison
Every time home loan interest rates move, whether up or down, I get some version of the same question from friends, clients, and readers: should I use my savings to prepay my home loan faster, or should I invest that money instead and let the loan run its natural course? It is a genuinely important…
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Pre-Approved Loans: What They Really Mean
A pre-approved loan means a lender is willing to lend to you, not that the deal is good. What pre-approval means, why it can still be rejected, and what to check before you accept.
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Why Are Credit Cards Bad for Your Financial Health?
Credit cards make spending effortless and borrowing expensive. How the debt trap works, what it really costs, your rights if you fall behind, and how to use a card without getting hurt.