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Harsh Roongta
Interview

Harsh is CEO, Apnapaisa Private Limited. He is counted among India's foremost personal finance experts. After a successful entrepreneurial stint and an equally impressive career at ICICI, Harsh co-founded Apnaloan.com in 2000, in partnership with other accomplished industry professionals.
Apnaloan.com has since become part of the larger Apnapaisa Private Limited. His knowledge of the minutiae of personal finance products be it loans or insurance, has successfully driven the Apnapaisa ethos - that of a comparison site bar none.
His ability to perceive the less-than-obvious angle on a story stands him in good stead while answering queries - on the Apnapaisa portals, online chats, or on his regular appearances on the major TV channels.
When it comes to personal finance, Harsh has been the go-to guy for quotes and opinion for all major newspapers for quite some time now. While dispensing eminently practical wisdom, he has succeeded in taking time out to co-author The Complete Home Loan Guide, a popular guide to home loans.

 

 

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Date : 7 Apr, 2007

Question

I have 3 personal loans of Rs. 50,000 each and have a toaken a home loan. The personal loans I had to take accommodate the remaning amount apart from Home loan. I have some credit card due of around 50,000. I wanted to consoldate all my personal loans as well as credit card dues in one larger personal loan. Let me know if any institution can help. I pay 5100 home loan EMI. And my monthly income is Rs. 16000. Please suggest.

Answer

Any default on payment or EMI will mean that it will be difficult for you to get a loan for all your dues from a single lender. However, if your repayment track record is good, you may be able to get a combined loan to pay off the loans of the existing lenders. www.apnaloan.com will be glad to assist you in getting a loan if it is possible. Kindly apply on our website.

 

View Questions/Answers

 

25304 Sir, im Karthikeyan from Chennai. I bought a property recently and going to opt a home loan. Ca
25301 I and my wife are self employed professionals ( I am CA and my wife is a phsyiotherpaist) based
25298 I need to take 30L loan for a amrapali flat ( sec-119, Noida, cost = 41L), please suggest which
25294 i am getting cheque of rs.14000 only from my employer.no salary slip and any other proof.can i
25285 Hello Sir, I took the housing loan for 20 lakhs for 20 years with 8.25% initial interest rate.
25284 Hello Sir, I have an HDFC home loan with 11.25% with outstanding principal of 8.2 Lakhs. I am p
25278 I taken Home loan of INR 12 Lac from one Private Bank @ 11.75% in Aug. Current Rate od Interest
25265 Dear Sir, I had shortlisted a property in Kandivali. The property is a builder's property in a
25264 my property (Land) is at Bilaspur(C.G.) and i am working at Lohardaga (Jharkhand). My bank acco
25260 If coapplicant is defaulter as per cibil whether the applicant of the home loan could still get
25259 what will be the intreast rates on (housing loan) amount upto 5 lakhs
25258 Dear Sir, I am planning to buy second house. I have repayed the loan for my existing house. I n
25251 REFER: Query ID 25249. The possession has been taken and I am earning rent and paying EMI on lo
25250 Please advise what all documents required to submit while applying for a home loan
25249 I am earning rental income from my flat in Noida and paying EMI on loan as well. I would be cla
25248 Dear Harsh, I have been reading your articles in rediff and would like to thank you, as I have
25247 I took a home loan from ICICI in 2006,at that time interest rate was 7.5%(floating)Now it is ch
25242 I have availed a home loan from South Indian Bank (SIB) around 3 years back from Bangalore. The
25241 Hi, I have SBI home loan for 13L at 8.75% and SBI Topup loan for 10L at 11.75% which is 3% high
25240 sir, my monthly income is 17000.i want to purchase a plot in ghaziabad.this plot is not approve
25237 HELLO SIR ,I AM CENTRAL GOVT EMPLOY. WANT TO TAKE ANOTHER HOME LOAN.I M HAVING EXISTING HOME LO
25236 sir i am thinking of having a home loan for 3lakhs, which is the best bank to take and Will it
25233 Hi Sir, Please help me for my doubt. "Can I take home loan if i am working in bangalore and wan
25231 Sir, I have got a sanction letter from LIC Housing finance ltd. They have written the ROI as 8.
25229 HI, I am planning to buy a resale flat in bangalore.Its only 2 yr old.Location is perfect.I hav
25225 sir, i need a home loan of approx 30 lakhs. i have cheacked with all the main banks n i am eli
25221 whether i shall continue to get hra per month if i shift to a ready made flat purchased in my n
25215 i got 7,10,000.00 Rs. loan approval from LIC HFL , but finally i got only 6,70,000/- Rs. Check
25214 sir i m taking my home loan 18 lac from union bank of india, and the property is already having
25207 IS IT NECESSARY TO PROVIDE THE ADDRESS PROOF IN WHICH THE NAME OF THE PERSON ON WHOSE NAME THE