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Harsh Tiwari

Hey I am on Medial • 1y

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

18 | Startups | Fina... • 1y

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

Hey I am on Medial • 1y

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

Helping banks in the... • 1y

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

Hey I am on Medial • 1y

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 th

Orly Dias

Helping banks in the... • 1y

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

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Harsh Tiwari

Hey I am on Medial • 1y

Waiving 2-5 emis is normal strategy used by the loan companies for good debts but it doesn't effect that much. And for the second part of your question I'm still figuring out where to take loan from myself , so as of now we can take from other comapines Or through big banks or maybe rbi itself they all lend to loan companies at lower rates.

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