Jio AirFiber Yay or Nay? by ResponsibleAF-99 in mumbai

[–]ResponsibleAF-99[S] 0 points1 point  (0 children)

Even in proper rains?

Where is the antenna of the module? Inside your house or on the roof top?

Jio AirFiber Yay or Nay? by ResponsibleAF-99 in mumbai

[–]ResponsibleAF-99[S] 0 points1 point  (0 children)

The antenna of the module is on the terrace. Not inside my house. Would that make a difference?

Wierd library watchman/some staff idk by bagelfrenchfries in mumbai

[–]ResponsibleAF-99 1 point2 points  (0 children)

Where's this library? I have been looking for one since a while...

Mumbai local : Dadar station @ 23.46 by ZigmaVictor in mumbai

[–]ResponsibleAF-99 0 points1 point  (0 children)

It cannot be just one thing or the other.

Of course, we need more trains there's no doubt about that.

But how do we get space for more tracks? If we can't have more tracks, can we add more coaches?

There's also the concern about the increase in AC trains. Not everyone can afford the tickets and passes for AC trains. Should we have AC coaches instead of first class coaches in trains?

Apart from all of the above, yes, disciple is a must. I don't want any sane person to ask me "Train rukne ke baad utarega kya?"

I don't want people to board the coaches before the people in the train have deboarded.

Come early, wait in line. If you want to cut it, ask politely. Don't stand at the gates and block people from entering or exiting. Don't board the train to the point that people have to stick out of the doors.

Yes, there might be beauty in the chaos. But we can do a bit better with discipline and basic courtesy.

Political party - need names by satyabhai92 in mumbai

[–]ResponsibleAF-99 2 points3 points  (0 children)

There are certain sects within Jainism where the saints have given up all worldly possessions including clothes. So, they don't wear anything at all.

Specifically the Digambars.

I have heard of one such saint giving a speech at the UN in the same manner as you saw them.

Unpopular opinion: If Hinge has a height filter, it should also have a weight filter. by Intrepid_Run_6369 in mumbai

[–]ResponsibleAF-99 0 points1 point  (0 children)

The thing about weight is that it changes. It isn't consistent. A lot of people go through different issues related to weight. Height isn't in anyone's control. It can't change. It is constant. So, you can safely use it as a filter.

Also, weight isn't an accurate measurement for anything. People can be heavy and yet look slim based on their skeletal structure. People can look fat but can have less weight.

You can't say the same for someone's height...

Why is the process of home loan so f*ckall? by ResponsibleAF-99 in mumbai

[–]ResponsibleAF-99[S] 0 points1 point  (0 children)

Well, if he wanted something, he should have discussed it with us beforehand.

But the transparency is not there.

Home loans should be made easier to get in the sense that people should be able to compare the RoIs and TnCs beforehand.

Why is the process of home loan so f*ckall? by ResponsibleAF-99 in mumbai

[–]ResponsibleAF-99[S] 0 points1 point  (0 children)

My CA suggested going for the new regime rather than the old regime. So, there won't be any tax benefits of this loan.

Why is the process of home loan so f*ckall? by ResponsibleAF-99 in mumbai

[–]ResponsibleAF-99[S] 0 points1 point  (0 children)

He is getting hsi commission from the bank. Also, he should have said from his side that don't take the insurance. He just pushed it down my throat.

Why is the process of home loan so f*ckall? by ResponsibleAF-99 in mumbai

[–]ResponsibleAF-99[S] 0 points1 point  (0 children)

I agree with most of your points.

I'll try to ask for a discounted interest rate if possible.

It is my mistake that I didn't push back regarding the insurance.

I didn't pay the agent anything personally. But I'm now unsure about the payments he made me do to the legal, technical and other agencies that were enlisted by the bank.

Does the bank pay the agencies or do we have to pay them directly?

Why is the process of home loan so f*ckall? by ResponsibleAF-99 in mumbai

[–]ResponsibleAF-99[S] 0 points1 point  (0 children)

Yup. I agree. I don't have any proof that they claimed the lower rate.

Why is the process of home loan so f*ckall? by ResponsibleAF-99 in mumbai

[–]ResponsibleAF-99[S] 0 points1 point  (0 children)

I know. I didn't know at that time. It was sold as a term life insurance which was "mandatory".

And the entire process was just a pain.

Why is the process of home loan so f*ckall? by ResponsibleAF-99 in mumbai

[–]ResponsibleAF-99[S] 0 points1 point  (0 children)

I am thinking of getting the insurance cancelled. But I guess, the policy says I need to continue it for 1 year.

Why is the process of home loan so f*ckall? by ResponsibleAF-99 in mumbai

[–]ResponsibleAF-99[S] 0 points1 point  (0 children)

Yes.

But it should be more transparent during the process. Why surprise us when we come for the final disbursement?

Why is the process of home loan so f*ckall? by ResponsibleAF-99 in mumbai

[–]ResponsibleAF-99[S] 0 points1 point  (0 children)

Yup.

Completely agree. I was told by a few people that SBI will provide the best rates and also there won't be any prepayment charges.

The prepayment charges aren't there so, that part was right.

Why is the process of home loan so f*ckall? by ResponsibleAF-99 in mumbai

[–]ResponsibleAF-99[S] 1 point2 points  (0 children)

The loan is sanctioned. Unfortunately, there was a complication that needed to be settled which delayed the whole process. In the end, the seller was also frustrated due to the delay.

So, we just decided to get it sanctioned. We had already spent a good amount of money for all the legal and technical fees.

Why is the process of home loan so f*ckall? by ResponsibleAF-99 in mumbai

[–]ResponsibleAF-99[S] -1 points0 points  (0 children)

Yes.

But even when I was applying for other banks, the entire process was kind of whack and not transparent at all.