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Ramalingam Kalirajan |8027 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jan 24, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more

Question by ABHISHEK on Jan 23, 2024Hindi

Money

Hi Vivek my principal outstanding of home loan is 27Lakh, if I have to pre close it do I have to pay the entire 27 L or there will be some benefit for ore closing. Please advisr

Ans: Hi, You need to pay the entire 27 Lakhs.

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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Question by Prasanna - Dec 17, 2023Hindi

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sir, i have made fore closure of home loan(out-standing upto 6 laks). For that to happen i was asked to close even one lakh amount towards home loan insurance(SBI insurance). As i had money, i closed home loan as well as requisite loan insurance amount of one lakh. My question is if i foreclose my loan , why should give complete loan insurance part also. will i get pro rata money for preclosing insurance amount( one lakh)

Ans: When you foreclose a loan, the associated insurance often needs to be closed as well, as it's linked to the loan. Unfortunately, insurance premiums are generally non-refundable upon premature closure. However, you can check the policy terms or contact SBI insurance to see if any pro-rata refund is possible for the insurance amount paid.

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I have taken home loan from SBI 61 Lakh for under construction apartment in Bengaluru. I would request your expert opinion on the preclosure of loan from sale of my old apartment. So can i close / reduce from the sale of property? Or any better suggestions...

Ans: Just want to understand when did you buy the under construction apartment? The reason of asking is that you will need to be mindful of capital gains tax liability.

Earlier closure of any loan is always good, it gives you peace of mind.

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Follow me if you are satisfied with the reply. Else ask again without hesitation,
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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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