Hi Fishes, One big confusion. Need your suggestions. Among these two, which one is the best way?
Taking personal loan and buying plot (~30lakhs)
Or Invest in mutual funds for few years (Not more than 5 yrs) and then buy plot.

like
Posting as :
works at
You are currently posting as works at

Depends where are you buying the plot...and please don't take personal loan...go for home/land loan but not personal loan.

like

If u were in my situation what you will do? Will you buy the plot with land loan or invest in MF first and then buy after sometime ?

Do you need the plot? If the only reason for buying is appreciation cost I'll say don't. Rather be debt free and invest in market in SIP. Now the market is just recovering so it's a good time to invest. Personal loan has too much interest too.

like

Never go with personal loan n get plot ! Instead save some money n go for home loan.. n go for it..

Related Posts

Anybody have experience using EtherDelta? How the hell do I get my money from EtherDelta back to Ethereum and out? Been trying for a week and the transfer isn’t working

I am down $25K on $150K portfolio. Should I cut losses and leave or continue :(

like

8k range was the long term 200 day MA support that everyone and their mother said they would be buying at. Well it’s 8900 and buy volume is basically nonexistent..

like

What is your favorite part about being a realtor?

like

Hi fellow fish need some advice.

I'm planning a wedding and wondering if I should apply for new credit cards to maximize on points. If so, wondering what your recommendations are and or if there are new cards out there I haven't heard of yet. For context I probably have another 20k+ in expenses to pay still and my current cards are:

CSP
Marriott Bonvoy Boundless
Citi double cash
Random card (used to be uber)

like

Who is getting into NFT? Friends recently just printing money like the fed on this. Willing to risk a few thousand. You all ?

likefunny

What will be inhand salary.
Considering having a loan EMI of 23k per month

Post Photo
like

With interest rates between 6.5% and 7.5%, it is safe to say that buyers are slowing down in their search.

I am a real estate agent who is in the process of closing on her first home. We offered $15k under list and asked for closing costs to be paid for. Granted, this is in a very small rural town; however, just know... If you have been looking for a home for the last 2 years and have not had great luck, now is the time to take advantage of the changing market. You can refi when rates drop.

like

Does anyone use a financial advisor? Any recommendations?

likehelpful

Hi guys. I have a query with regards to the Income tax proof submission.

So I have claimed exemptions on the following-
1) HRA
2) 5 year term deposit(fixed deposit) under Section 80C
3) Interest on education loan under Section 80E

I have also provided previous employment details.

Guys I didn't know that we have to submit declaration forms as well. Can you please tell me which are the declaration forms that I would need to fill and submit??

Thanks in advance :)

like

Best book you've read recently on personal finance?

like

About to buy my first car, am I making a mistake? It's 2019 Corolla for 25K CAD (18K USD) all in. 45K kilometres (28K miles). I have 75K saved and earn 100K a year. It just feels too expensive, but it's hard to find something decent for less. Thoughts appreciated!

like

📊 Poll: Is Snapchat worth it's 3 billion 💵💵 IPO valuation?

like

My partner bought a new truck earlier this month. We’re hoping to joint-purchase our first home next spring. Is there a “best” time to get pre-approved for a mortgage? When should we start the home buying process?

So far we’ve kept our head in the realtor apps to see what the market is doing.

Rent just went up, pressure is on!

like

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?

like

New to investing. Please suggest an awesome newsletter to start with. I’m planning to buy a premium subscription of $79 yearly for the Oxford Income Letter. Any suggestions that are better than this newsletter.

like

Any tips or tricks for a first time home buyer saving for mortgage trying to avoid pmi? Any advice appreciated. Cont.

like

I should be getting my job offer this week. Can someone tell me if Chase offers benefits such as; student loan repayment, discounted daycare, childcare FSA, employer HSA contribution? If there’s a high-deductible plan what’s the max family out of pocket? What’s the employer 401k match?

like

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

Do you suggest booking profits now (even if they are less) to reduce the risk profile, given that market is moving sideways and bubble might finally burst 😬

like

More Posts

Hey, Can someone help me with a referral at Accenture Strategy CN? Thanks

like

Has anyone ever been "let go of"? Either laid off or fired. How did you get through it?

like
like

Hi Friends, i attended 2 client interviews and both went wrong. I don't know what to do. I am new to EY GDS......Is anyone faced the same ?

like

Paypal Hello, I've been offered Data engineer /Software Engineer at PayPal, india.

How's the company doing, is it profitable? Bit skeptical about the recent layoffs at PayPal.

Any data engineers at PayPal around? Whats your thoughts, how's the team doing and how would be the growth?


YOE - 5 TC offered : 19 Base +10k RSU (3 years)


TC seems to be a lowball, but that's their budget, no scope of negotiation.


Is it worth joining paypal

like

Oct. 15th is almost here. Hang in there!

like

Anyone in dental sales?

like

I had a creative Director question my worth and said the only reason I’m in this industry is because of MAIP (as if it was a bad thing). I been unsure how I should handle it and would love advice❤️

like

Has anyone recently onboarded to Accenture and how was the experience. Wat is expected on ur reporting day n when do u get ur laptop delivered.?

likeuplifting

What is Service Delivery CON- Consulting in Accenture

Can we claim internet installation charges as well?

like

What's expected CTC for lateral hire in PWC AC for a guidewire business analyst? Yoe is 7.. 5 for BA, 2 for other.

Thanks in advance!

like

Any suggestions on what to ask during an introduction interview? First time in a corporate setting, going for an experienced associate role!

like

Anyone work at Allen Norton & Blue? Any insight on salary and work life balance?

like

Meanwhile people of color are being disproportionately affected by COVID and of course not being included in vaccine trials.

Post Photo
like

Hi... need referral for business analyst role at #ADOBE.. People pls help @adobe!

like

Hi All,

What is the pay range and designation paypal offered for 8 yoe in production support role?

Interesting. Let’s see if the uptick In cases continues to drive an uptick in hospitalizations and then in fatalities. Depends on how many of the cases are incidental or in very young people not prone to severe cases. But either way, look at the hospital capacity utilization figures! This is the untold story. Were we bending the curve to avoid unnecessary deaths due to overcrowded hospitals, or were we bending the curve to buy time for treatments and vaccine, or just to slow fatalities?

Post Photo
like

You know trouble is ahead when the DNC convention gets less viewers than the random Trump rally yesterday:

Post Photo
like

Hey all, having issues with interviewing this year. I’ve been passed over every opportunity I really want and I’m unsure how to regroup and move forward. I’m really trying to break into method development roles and I haven’t had the opportunity to do so with my analytical experience. A lot of my HPLC and LCMS experience is with already established methods. Any tips?

like

Additional Posts in Consulting India

Is it the company's to be blamed or the employee's for such high attrition rates in the indian software industry , What's your take on it ?

like

Hi Fishes,

I am currently working at WNS as Manager (RPA and Consulting). Can someone suggest Sr Manager profile in same lines..

like

Mindtree or Deloitte USI what should I consider?

like

What is the highest possible CTC that can be offered to an SAP Security Consultant with an experience of 2.5 years in the areas SAP ECC Security, SOX and GRC AC.

like

I am joining TCS today and awaiting offer from HCL. TCS is asking me to work in shift and also said I might have weekend working. Is it a good Idea to leave TCS for HCL, if I get an offer by this week?

like

How much YoY hike in NetApp Bangalore ? How about Bonus ? Overall how is life over there ?

like

Got Presurvey email post interviews @ Deloitte USI for Consultant role.
What is the ETA for the next step ?

like

Can anyone please tell how much is the notice period at Epam Systems?

What is online assessment test in Accenture for experience associates? How many marks do we need to get to pass it. Anyone having idea on this?

Hi buddies...I am serving notice period and my joining date in TCS is on 15th Jan. Now I got the promotion in current company. Can I ask a high package in TCS in this situation based on my revised salary. Will they give?
50% hike TCS offered.

Is anyone joining TCS in first week of January?

How much it auditor makes with 12 years of experience

likehelpful
like

What is the best time to change your company with relevant experience if you have joined as a fresher?

like

[off topic]

How your distance learning/weekend education helped you in your career?

MBA,MTech, MS, upgrad course

I am a fresher. I have got offer from wipro with ctc 3.6 lpa and from accenture with ctc 4.5 lpa!! Which one should I choose?

like
like

Hi Fishes,

I currently work at Publicis Hawkeye with my last date in Oct end. I'm moving to Accenture as a Research Specialist.

Can anyone please tell me about how the work culture at Accenture is? And the benefits they offer?

From my offer I know that the health coverage is capped at 3L with top up options at 10L max. It also doesn't include parents, and that needs to be enrolled at an additional cost.

I have 6.5 yoe.
I'm into research and consumer insights.

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal