Download App

Home

News

Pods

🚀

Startup Showcase

Notifications

Switch theme

Blog . Feedback . Privacy
Community Guidelines

Back to feeds

Harsh Tiwari

Stealth • 9m

I have a business plan which will definitely change the whole home loan, loan company sector in India for the people who are paying more interest on thier loans just because they have low income or low cibil score. While people earning more who don

Amil Naushad

Stealth • 9m

Interesting! What are you planning to do to solve this? To give out home loans to people who've low CIBIL score at lower rates of interest? Won't that be a little too risky? The loan recovery rates will be lower which is not good for any lending plat

Harsh Tiwari

Stealth • 9m

Giving the loans at higher rates to ensure our money back and return the money at the closure of the loan which was taken above our minimum rates so that the effective rates for them will be same as of the loan at lower rates. So effective rate will

Orly Dias

Stealth • 9m

Time value of money comes into play here. Home loans are longer term 10, 20 year commitments. At the end of the term will you be paying out the money in lumpsum and at what interest rate? You would have collected at a lower interest rate and returnin

Harsh Tiwari

Stealth • 9m

Time value of money should be be taken into consideration for sure , but we can also provide back the money with giving them interest rates of saving account that ranges between 2-3% max, so it will be basically 2 components in the emi , 1 will be the emi and 2nd will be the amount towards investment

2 replies

Replies (2)

Orly Dias

Stealth • 9m

Or you can waive off the last one or two emis based on your formula. But having said that, what will be your moat? And how do you intend to start lending money, from where will you source the capital? This will be a huge investment and also tightly regulatory controlled

1 replies1 like

Harsh Tiwari

Stealth • 9m

And even fd rates don't compensate for inflation today, so at max we can provide them back the amount with fd interest rates

0 replies

Recommendations from Medial

Rohan Imdapur

Stealth • 8m

What do you think will be the future of an software tester (SDET) taking future AI possibility into consideration

3 replies5 likes

Tushar Sahu

Stealth • 1m

added this 2 new button component to live at : aurad.vercel.app any components suggestions would be appreciated #buildinpublic #auraD #UI

2 replies8 likes

Harsh Dwivedi
•

Medial • 2m

Blinkit has introduced buying with EMI on Blinkit! EMI options will be applicable on all orders above ₹2,999 (except orders that contain gold and silver coins) We believe this will improve affordability and enable better financial planning for our

22 replies37 likes

Yash Satyajit

Stealth • 6m

Visit my website Amazvista.com and please share your suggestions to improve the user experience and increase sales per user. All your suggestions will be taken into consideration. Thanks

7 replies5 likes

Vikas Acharya
•

Medial • 19d

100 + showcase on the 2nd day itself !! December startup showcase I think it will be the best and most ideas showcased in the entire medial showcase series !!!

2 replies10 likes

Kshitiz Trigunayat

Stealth • 1m

Hi, I was wondering how much you will be willing to pay for an event plan for your wedding or how much did you pay at the time of your wedding? Considering the average wedding cost in India is 20 Lakh and the average cost of a good plan ranges from 2

3 replies1 like

Anonymous

Stealth • 2m

you will be shocked when you know IPhone Manufacturing price of IPhone 16 and iphone 16 pro Max😕😔

3 replies4 likes

Mitesh Patidar

Stealth • 6d

Hoisted the 2nd flag of 69🏴: 1. Learned and implemented bfs and dfs of graph with 2 questions. 2. Learned about the basic cost optimization of AWS and easy deployment with elastic beanstalk. 3. Started my 2 nd learning project using Hibernate(will s

0 replies2 likes