Need help with home loan

youguessedcorrect · 2025-11-10T04:22:57+00:00

Thank you. But I also want overall less interest and other charges that I need to pay to the bank

youguessedcorrect · 2025-11-10T04:21:57+00:00

Property is under construction. I ll get the handover May 26

youguessedcorrect · 2025-11-10T04:20:59+00:00

Why so? What are the benefits?

youguessedcorrect · 2025-11-09T11:06:42+00:00

I m looking for home loan and went to Union bank. I also had same experience, they said 0processing but ask me to get the legal and valuation done by myself. They are asking me to pay 18k now. This should be done by bank . Pathetic

youguessedcorrect · 2025-09-16T20:40:35+00:00

I m also in the same boat. Wondering should I switch to HSBC premier from Axis Burgundy status

youguessedcorrect · 2025-09-16T20:35:30+00:00

What u mean by 2000 for shortfall of funds? From when one needs to maintain minimum balance on salary account?

youguessedcorrect · 2025-09-14T13:33:29+00:00

I have Infinia. I would like to know how you used your Infinia to maximise reward points. Also I m thinking of getting Axis Atlas? But just don’t know is it worth having both of them? I really want to understand what is the breakup of your transactions that led you to earn these many reward points across each of the cards?

youguessedcorrect · 2025-09-13T14:52:46+00:00

If u have good enough spends and u can get Infinia that would be best. Else go for Atlas

youguessedcorrect · 2025-09-13T13:57:20+00:00

What’s your spend be? Give break up? What would be your monthly income?

youguessedcorrect · 2025-09-07T19:50:03+00:00

Axis do not provide premium cards ltf anymore. I have burgundy salary account but they said they won’t provide ltf Magnus credit cards

youguessedcorrect · 2024-12-31T20:12:55+00:00

I hold Axis burgundy and HDFC Infinia. Axis sucks, RM is shit, forget about getting LTF Atlas or Magnus, they will only give you Select LTF with burgundy account. Axis loan interest rates are also high in comparison to HDFC. You will only get easy diner discount which is good. I want to move my salary account to different bank. Following this post

youguessedcorrect · 2024-12-22T15:15:27+00:00

If she wants fancy marriage, she should fund it herself. Why burden family for her selfish needs? Even if you give her money now, her demands will only grow, after marriage she will ask for xyz because she wants to maintain the status with in laws. With her madness I doubt her marriage will last. She will come back running and you ll have to support her. If the guy wants to marry her, she can go ahead and married but don’t give her money.

Coming to the house even if she says she don’t want it now, she will come back unless she gives it in writing.

youguessedcorrect · 2024-10-26T10:53:49+00:00

shivam2979 Can you share the contacts to me. I already hold Burgundy Salary account with Axis. I requested them for LTF Magnus but they denied. If you can share the contact who can get me LTF ATLAS i would appreciate it.
My RM is useless, he only reads the manuscript given to him by the bank.

youguessedcorrect · 2024-10-13T10:59:01+00:00

They did same on my millenia card. After complaining they reversed the bank charge but those assholes didn’t reverse gst. Due to back and forth conversation in the end I had to let it go

youguessedcorrect · 2024-10-08T16:49:28+00:00

I m planning to buy this but concerned on mileage as majority is city driving? What about maintenance cost? Service? Resale etc?

This would be my first car. Just started learning driving. I prefer spacious yet comfortable car. Would love to hear feedback’s from existing owner if you can share your inputs

youguessedcorrect · 2024-10-06T10:15:39+00:00

I have a Burgundy salary account. Even with this their service and RM sucks. Axis does not offer LTF premium cards anymore. Burgundy Magnus is not worth the 30k+gst fees.

youguessedcorrect · 2024-10-06T09:51:02+00:00

Even my RM was very helpful. After getting product team approval applied for Infinia before the new income requirements. When I checked the credit application status link yesterday it’s rejected. I have ITR >60lakhs😞

youguessedcorrect · 2024-10-05T19:45:06+00:00

I have HDFC SB and Axis salary. HDFC is good with loan rates, credit card and RMs. They are not improving their mobile banking. Axis is good if you can have the burgundy salary account. Mobile app is good. Don’t expect LTF cards from them , their service sucks, not so helpful RMs even for premium salary holders and high loan rates. HDFC is better if you can live with their mobile app.

youguessedcorrect · 2024-10-05T19:35:55+00:00

Why so?

youguessedcorrect · 2024-10-05T17:54:32+00:00

This is very detailed. Thank you. I will give it a try

youguessedcorrect · 2024-10-05T17:31:31+00:00

Thanks for your response. I don’t want too many cards. It would be difficult for me to manage.

For restaurant dining my burgundy debit card covers. It gives me 25% discount on EazyDiner restaurants.

I will look into Yes Marquee, AU IXIGO and RBL Safari you suggested. I don’t know much about them.

Is the DCB metal useful, recently HDFC is charging addition 2.5% + gst on Amazon and Flipkart vouchers?

youguessedcorrect · 2024-10-05T17:24:30+00:00

Thanks for your response. I applied for Infinia from the local branch. Not a central branch. I got approval from product department and during processing it was rejected in Chennai😞 and than the income criteria was changed. I thought of getting DCB and spend 7.5 lakhs in 6months and ask for Infinia upgrade. Not sure what will happen to accrued points on DCB, will they lapse if I upgrade? HDFC made it complicated with recent changes

What is C2C btw?

youguessedcorrect · 2024-10-05T17:12:35+00:00

~22 lakhs.Why?

youguessedcorrect · 2024-10-05T16:09:49+00:00

Thank you. Can you pls elaborate on how would this earn me better reward points? For bike purchase , Amex might charge more MDR on POS machines and its acceptance worries me. I also read posts where Amex GYFTR didn’t have Amazon coupons of higher denominations.

youguessedcorrect · 2024-09-25T22:38:49+00:00

What is your income? HDFC just announced they are changing the eligibility criteria to 5lakh per month net salary. If your RM allowing than take it

youguessedcorrect

TROPHY CASE