Dilzer Consultants - Investments and Financial Planning

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Category: newsletter


Property: Property can generally be classified  into two separate categories: residential property and commercial property. A residential property can be bought to let out with the rental income acting as the basis for an income stream to the investor. Likewise a commercial property (an office, factory, warehouse etc.) can be bought and owned in the same way, with the rental being paid by the tenant (the business that rents/leases the property) being collected as an income. Before discussing whether having […]

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Decoding your Credit Card Bill.

Credit Cards offer one of the greatest conveniences by offering easy credit, in the need of the hour but on the contrary, they are notorious instruments known to make their owners spend beyond their means and fall into a debt trap. Well,sometimes! Credit Cards are a necessary evil in the financial world as no other instrument offers such  convenience of easy accessibility of funds It depends on the user to extract the maximum benefit of the conveniences they offer and […]

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How to plan for a luxury apartment

Buying a home is a milestone in the life of an individual. Before taking the plunge into the property making phase one needs to analyze his/her current financial situation. One needs to find out how much of expense he/she can afford. In order to assess the financial situation the concerned person needs to calculate his/her home affordability. To find out one’s affordability we need to know • maximum value of house that the person can buy • additional costs involved […]

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How to plan for house purchase down payment of a home

  Home-loan may seem such an easy option for house hunters, thanks to glossy ads in newspapers and hoardings! But, are you aware of the fact that as per RBI guidelines that the loan-to-value (LTV) ratio of housing loans is not supposed to exceed 80%[for loan amount more than 30 lakhs] and 90% [for loan amount less than 30 lakhs], banks could extend only a percent of the amount to the home-loan seekers, forcing you to arrange for down payment. […]

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Without a regular income, should I prepay my existing loan or invest?

To prepay existing loan or invest are the two financial options available to a person without a regular income. To make things clearer, suppose a person has started a business on his own or has taken voluntary retirement or retired from his job, what should be his priorities? Prepaying all his or her existing loans or invest? Here are a few step by step suggestions from our end. Closing the Employee Provident Fund, Gratuity, Super Annuation. Logically speaking it is […]

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How much loan can I afford at a time?

While technology has altered the way loans are disbursed, the canons of prudent borrowing remain unchanged. It still doesn’t make sense to borrow if you don’t need the money. Or take a long-term loan only to enjoy the tax benefits available on the interest you pay. When calculating your allowable amount of debt, you need to know two terms:front-end ratio and back-end ratio.  A front end ratio indicates what portion of an individual’s income is used to make mortgage payments. It is calculated as an […]

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