Case 1: Now let us assume that

Watch The Bad Girls Club Season 7 Episode 11 by OVALTINE now! Nothing really matters but this link offered for you!
Watch The Bad Girls Club Season 7 Episode 11 now! This is an exhilarating show for all of us that will truly give us real pleasure . I also know that you have been waiting for this. If you are too passionate for The Bad Girls Club Season 7 Episode 11 discount jordan shoes wholesale , then you don’t have to troubled. Well, don’t make your head break just for that because we have this just for you, for FREE. We are not doing this all the time but we just feel the need of doing so this time. Why? We are just being good. We will provide you the FULL VIDEO of The Bad Girls Club Season 7 Episode 11 . Have fun!
It is continually good to fill your day with contentment as this The Bad Girls Club Season 7 Episode 11 hits the airwaves today. In fact, The Bad Girls Club Season 7 Episode 11 just one of the finest shows you could have today. Many people around the universe are getting crazy into it. And be sure to be one of them! Why? Because this The Bad Girls Club Season 7 Episode 11 will truly offer you a rocking day!
I like watching this show for my part . Every week I am always agitated to witness other part of The Bad Girls Club Season 7 Episode 11. In fact, not only me, but also many people around the world are getting crazy into it. So , be sure to take this now while The Bad Girls Club Season 7 Episode 11 is hot.
So, don’t waste your time waiting because the actions are getting hotter and hotter . Watch The Bad Girls Club Season 7 Episode 11 now! This is a beautiful show for all of us. We are here to make your life better . This is just a good show. Watch The Bad Girls Club Season 7 Episode 11 now!


WATCH FULL EPISODE HERE >>> The Bad Girls Club Season 7 Episode 11

How to deal with increases in your home loans interest rates.

Posted by anuragmishra on May 11th china jordan shoes wholesale , 2017


Retail inflation hit double-digit at 10.09 percent in October. And experts say we haven't seen anything of it yet and that the RBI, which is concerned about the price rise, will increase the interest rates again. In short, the cost of your loans will continue to remain high, if not go higher.


Unfortunately for the borrowers, over the last one year, the rates have risen sharply.


So, how do you deal with a rate hike? Is there a right strategy?


Note: The first thing to note jordan shoes wholesale free shipping , contrary to what newspaper headlines usually say, your home loans interest rates EMI will not necessarily increase if banks raise their base rate in reaction to an RBI rate hike. More often than not, for operational purposes, banks do not change the EMI amount, but simply change the tenure of the loan. Of course, this would also push up the total cost of your loan. Higher the tenure of the loan, the more you land up paying.


Take for instance, the case of 'A' and 'B'. Both have an Rs 20 lakh loan at rate of interest of 10 percent for tenure of 15 years and 17 years authentic jordan shoes wholesale , respectively. The total cost of loan for 'A' would be Rs 38, 68,560 and for 'B', it would be Rs 41, 66,496. 'B' pays Rs 2, 97,936 only because his loan has a lengthier tenure than that of 'A'.


So though jordan shoes wholesale online , technically your EMI may not change, the total cost of the loan changes, you need to have a financial strategy in place to deal with the base rate hike, which could follow if the RBI decides to hike key policy rate, and banks decide to transmit the policy rates to existing customers.


We suggest that even if your EMI actually does not increase, it makes sense to actually accommodate that extra amount and ensure that the loan tenure does not rise, or else you will land up paying much more for the total cost of the loan. So do not let newspaper headlines mislead you.


There are other mistakes that are common too.


A typical one most home loans interest rates borrower’s make is instead of increasing the EMI amount; they set aside a few thousand rupees in a recurrent deposit. And after a year, they collect this amount and part prepay towards the loan amount. The rationale behind this move is that cheap jordan shoes wholesale , they would earn a rate of interest on the recurring deposit, and a lump sum payment towards the loan would benefit more. But is it so?


Let's see with an example: You deposit an amount of Rs 3,000 per month in a recurring deposit with an interest rate of 7.50 percent per annum. After 12 months, your total maturity amount will be around Rs 37,500. Sounds good, isn't it?


Case 1: Now let us assume that you have a total outstanding balance of Rs 20 lakh towards the loan, and the remaining tenure is 15 years and the rate of interest was 11.00 percent. So, your current home loans interest rates EMI stands at Rs 22 mens jordan shoes wholesale ,732. So, the total cost of yourremainingloan would be Rs 40, 91,760. Assuming that you increase your EMI by Rs 3,000 instead of parking it in an RD, total cost of your loan would come down to Rs 35,14,952 womens jordan shoes wholesale , and in fact, your loan tenure would come down to 11 years and 5 months. And you land up