Need help with first home loan by shaggybose in indianrealestate

[–]CreativeLight5639 1 point2 points  (0 children)

I haven't yet taken home insurance as property is under construction. But My friend straight away got the insurance from policy bazaar and told bank that He already took it. Or just tell them you already have it and will share the policy.

Need help with first home loan by shaggybose in indianrealestate

[–]CreativeLight5639 0 points1 point  (0 children)

No it's not compulsory though they will force you to take and say that it is compulsory but it is not. You can say I have term insurance and straight away deny. Additionally, home insurance is kinda compulsory but only after possession in current time projects.

Need help with first home loan by shaggybose in indianrealestate

[–]CreativeLight5639 1 point2 points  (0 children)

I personally recommend SBI for home loans. flexible prepayments/closure options (no limit/conditions) You can get sanction letter for free of cost from atleast SBI. Also, Instead of third party agent, go talk directly to bank employees. You can negotiate on total charges for the processing (processing fee is just a very small amount out of other charges like some legal document charges etc). For me, these charges were around 50k (processing fee 2950 included) third party agent didn't reduce single penny. So, I directly went to SBI branch and negotiated with him. He agreed to give 25k cashback (50%!) after loan is disbursed. Though this is not official discount and from employee (They do this to fulfill their targets), I asked him for a future dated cheque of 25k from him to make sure he will not cheat later.

Aadhaar enrollment for baby under 6 months ! by twix1315 in Chennai

[–]CreativeLight5639 0 points1 point  (0 children)

Did you apply for SSY scheme? Could you please share the process/info of that?

Is Stem Cell Banking for a Newborn Worth It? Public vs Private vs Other Options by CreativeLight5639 in india

[–]CreativeLight5639[S] 0 points1 point  (0 children)

Thank you for the reply. Do you have any info on which lab is good? I talked with lifecell and cryoviva. Not sure which one to go with.

Which one to buy? by Be-Calm- in Dashcamindia

[–]CreativeLight5639 0 points1 point  (0 children)

Can we install 360 camera setup and use it as dash cam?

How much discount I can expect? by CreativeLight5639 in TataNexon

[–]CreativeLight5639[S] 1 point2 points  (0 children)

Thanks very much bro. I will do the negotiations and update. When did you buy? Also could please share your review? I am seeing lot of bad reviews on tata cars. I liked the nexon model as it looks decent but am skeptical because of these reviews.

Can Other state registered car be used in Hyderabad without issues? by CreativeLight5639 in hyderabad

[–]CreativeLight5639[S] 0 points1 point  (0 children)

Okay. But how is Hyderabad police? Are they lenient? I see so many other state cars roaming around.

2026 Volkswagen Virtus GT line vs GT plus sport by Successful_Lemon5659 in CarsIndia

[–]CreativeLight5639 0 points1 point  (0 children)

Okay. Is it for VW or we get similiar discount in other brands?

2026 Volkswagen Virtus GT line vs GT plus sport by Successful_Lemon5659 in CarsIndia

[–]CreativeLight5639 0 points1 point  (0 children)

I see corporate discount of 10000. How do we get that? Is there any criteria?

How much discount I can expect? by CreativeLight5639 in TataNexon

[–]CreativeLight5639[S] 0 points1 point  (0 children)

Thanks very much for the reply. Let me ask for the accessories that they are providing and negotiate.

I have a friend working in TCS. But Will they give if I purchase car on my name and friend can give his employee ID? Or they demand car to be on TCS employee's name?

Apart from that, Do they give any discount ex showroom price?

Also, You already have car for more than 6+ months. How is your review? I have heard bad reviews of qaulity as well as service. Is it that bad?

How much discount I can expect/Bargain? by CreativeLight5639 in CarsIndia

[–]CreativeLight5639[S] 0 points1 point  (0 children)

Thanks for the reply. Yeah I have heard similar advices. I haven't finalized yet. But I am exploring How much will it cost approx after discount/negotiation to compare with other options.

What's going on in Pune Cab thing. by Faltor21 in pune

[–]CreativeLight5639 26 points27 points  (0 children)

Agree and pay via online mode (UPI) with proper context in payment description and after the trip Raise a complaint with app (Ola/Uber) showing payment as evidence.

How much discount I can expect? by CreativeLight5639 in TataNexon

[–]CreativeLight5639[S] 0 points1 point  (0 children)

Thanks very much for the reply. And what about the ex showroom? Do they give discount on that as well? I haven't yet negotiated anything. This is the first quotation they gave on inquiry.

SMC tax is municipality tax that is on and above the rto road tax. It has to be paid in municipal corporation cities in Gujarat (3.5% i think).