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MoneyMarzi is here to help, so you can move on with life. Here to cut through the jargon and complexity, explain what you need to do and how you can do it. Here to put you in control, with free, impartial help that’s quick to find, easy to use.
- Investment advisory service
- Lending advisory service
- Insurance services
Whatever your circumstances or plans, MoneyMarzi is on your side. Online, over the phone or face-to-face, we’re here to give you clear money guidance. We can also point you to trusted services, if you need more support.
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Reach your financial goals with MoneyMarzi
Loan Against Property
Loan against property is a secured loan availed of against a commercial or residential property kept as collateral with the lender.
Business Loan
It is an unsecured loan which is provided to a self-employed individual and entity. It is typically used by businesses to upgrade or purchase equipment.
Mutual Funds
A mutual fund is a professionally managed investment fund that pools money from many investors to purchase securities.
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Testimonials
Buying Home
Buying property is quite a big financial and emotional decision, so make sure that you are considering every detail, big and small before investing your hard-earned money. When applying for a loan, the administrative and application process may confuse us all, so it is better to research and be informed about the processes and the current interest rates in the market so that we select a plan that helps us optimize our current resources to buy our dream home!
Home Loan Balance Transfer
A home loan balance transfer, as the name suggests, refers to the process of transferring the balance on your existing home loan to a new lender. Why would you switch? It could be for a lower home loan interest rate, better borrowing terms, or even a top-up loan for other financial needs. Whatever be the reason, home loan balance transfer has emerged as a feasible solution for those with a home loan to reduce their EMIs and enhance affordability, or reduce their tenor become debt-free sooner.
What is investment
The meaning of investment is putting your money into an asset that can grow in value or produce income or both. For example, you can buy equity stock of a listed company in the hopes of receiving regular dividends and capital appreciation in the form of the share price. Your savings become investments when they are put into assets that carry investment risk or a degree of illiquidity. Such investments help you create wealth that can be used as an emergency fund, a retirement corpus, for buying a house, or funding a child's education, etc.
What is CIBIL Score
CIBIL Score, also known as Credit Score, is a three-digit numeric summary of a borrower’s credit history. CIBIL or Credit Information Bureau (India) Limited maintains and calculates your credit score. Simply put, it means how well you have managed your finances, like a home loan, personal loan or your credit cards, in the past.
What is insurance
Insurance plays a central role in the functioning of modern economies. Life insurance offers protection against the economic impact of an untimely death; health insurance covers the sometimes extraordinary costs of medical care. In each case, the insured pays a small premium in order to receive benefits should an unlikely but high-cost event occur.
Frequently Asked Questions
What is repo rate?
Repo rate is the rate at which the Reserve Bank of Indi lends money to commercial banks in the event of any shortfall of funds. Repo rate is used by monetary authorities to control inflation. Read More
How will your bank decide your home loan eligibility?
Your bank will assess your repayment capacity while deciding the home loan eligibility. Repayment capacity is based on your monthly disposable / surplus income, (which in turn is based on factors such as total monthly income / surplus less monthly expenses) and other factors like spouse's income, assets, liabilities, stability of income etc. The main concern of the bank is to make sure that you comfortably repay the loan on time and ensure end use. The higher the monthly disposable income, higher will be the amount you will be eligible for loan. Check Here
What is an EMI?
You repay the loan in Equated Monthly Installments (EMIs) comprising both principal and interest. Repayment by way of EMI starts from the month following the month in which you take full disbursement. (For understanding how EMI is calculated, please see annex).
What is pre-EMI interest?
Sometimes loan is disbursed in installments, depending on the stages of completion of the housing project. Pending final disbursement, you may be required to pay interest only on the portion of the loan disbursed. This interest called pre-EMI interest. Pre-EMI interest is payable every month from the date of each disbursement up to the date of commencement of EMI.
What are the documents required for loan application?
Most banks ask for your identity proof, your proof of employment and that of your income, to process your personal loan application. Just in case, you banks need some additional documents such as your PAN Card, Proof of Ownership of Home/Office, Bank Statements, Photograph etc.; you must be aware of the same.
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