Suggestion plz

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Deal Cadet
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Friends me ek 100% visually impaired person hun aur mein B.Com kiya hun& abhi ek chhoti si private company me stock market research pe kaam karta hun salary 13k deta hai..apna ghar banane ke liye  3lacs ka loan liya tha (gaaon ke kuchh log se at 3%/month interest pe) lekin COVID ke bajah se company 80% salary deta hai. Job toh chhod nahi sakta kyunki mujhe job milna muskil hai. aur upar se interest cumulative hota ja raha hai, agar bank se loan hota toh kuchh problem nahi hota kam interest pe loan milta lekin itna kam salary mein bank mana kar deta hai loan dene k liye.
koi solutions bata do kya karu bahut depression mein rehta hun.

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Don’t take my suggestion otherwise but if you or your friends can approach any organisation like Ketto.org , they can verify your cause and help you a lot through crowdfunding. So please try it once, don’t get discouraged or depressed, it will sort out with time.

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13k is too low to give you unsecured loan. better to mortgage your home and take loan from bank..
3% is too much,,close that asap.

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why don’t you take benefit of pmay or the state govt’s biju paka ghar yojana,.

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Simbha3 wrote:

13k is too low to give you unsecured loan. better to mortgage your home and take loan from bank..
3% is too much,,close that asap.

Bro how is 3% too much?

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billubakra wrote:

Bro how is 3% too much?

3% per month translates to 36% per year. To give you some perspective SBI or most banks give 3.5% interest on savings per year.

In other words, for every 1L, 3k is the interest for every month.

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andromeda wrote:

3% per month translates to 36% per year. To give you some perspective SBI or most banks give 3.5% interest on savings per year.

In other words, for every 1L, 3k is the interest for every month.

Oh sorry I missed the monthly part.

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billubakra wrote:

@OdishaDeal
Bhai mere tension mat le, bhailog is musibat se nikalne ka hal btaaenge. Bas yeh thread check karte rahio.
Someone give him links for some freelancing.
@guest_999 @androgame @andromeda @caks2006407 @Sudarshan61

@saucap @Simbha3 has got some decent suggestions. Give it a thought.
Bottom line, do not let depression enter your thoughts.

Also do not venture into unknown areas where you think there is free money. Proceed with caution.

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Try making some good video content and create your own YouTube channel.. Put efforts in monetizing your YouTube channel.. This can help you get some additional income.

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Sorry to ask but if you give some proof for your condition.

Red Flags
1. You are doing both B.COM and Job for a visually impared person?
2. Salary is 80% due to covid, so are involved in job for last 9-10 months alteast (March covid lockdown) and you asked about trading account in Dec’20? https://www.desidime.com/discussions/best-broke... (I hope you will know this answer)
3. B. Com student taking loan to create ghar and locals give loan, Too suspicious to be true.

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andromeda wrote:

3% per month translates to 36% per year. To give you some perspective SBI or most banks give 3.5% interest on savings per year.

In other words, for every 1L, 3k is the interest for every month.

GST on interest on every EMI?

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InvestPotato wrote:

Sorry to ask but if you give some proof for your condition.

Red Flags
1. You are doing both B.COM and Job for a visually impared person?
2. Salary is 80% due to covid, so are involved in job for last 9-10 months alteast (March covid lockdown) and you asked about trading account in Dec’20? https://www.desidime.com/discussions/best-broke... (I hope you will know this answer)
3. B. Com student taking loan to create ghar and locals give loan, Too suspicious to be true.

100% visually means he cannot see? It seems suspicious to me as well.

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Mufasa wrote:

GST on interest on every EMI?

Ofcourse, though needless to mention the minuscule percentage on interest when compared with 36.

In case of op, the loan is from peers, not any financial org, so no taxes, only minting on the other side

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You can share your problem with your employer try to convince him if he increases your salary by 500 it is also good  if you get some time left you can give tution to your neighbourhood children’s .

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Try for some central/state govt housing scheme, worst case scenario you will have to pay some bribe but even that will be less than what you would pay eventually at a 3% monthly interest loan for over a year.

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InvestPotato wrote:

Sorry to ask but if you give some proof for your condition.

Red Flags
1. You are doing both B.COM and Job for a visually impared person?
2. Salary is 80% due to covid, so are involved in job for last 9-10 months alteast (March covid lockdown) and you asked about trading account in Dec’20? https://www.desidime.com/discussions/best-broke... (I hope you will know this answer)
3. B. Com student taking loan to create ghar and locals give loan, Too suspicious to be true.

He has not asked for any money so let’s be a little kind to him.

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InvestPotato wrote:

Sorry to ask but if you give some proof for your condition.

Red Flags
1. You are doing both B.COM and Job for a visually impared person?
2. Salary is 80% due to covid, so are involved in job for last 9-10 months alteast (March covid lockdown) and you asked about trading account in Dec’20? https://www.desidime.com/discussions/best-broke... (I hope you will know this answer)
3. B. Com student taking loan to create ghar and locals give loan, Too suspicious to be true.

Bro
I have completed B.Com on july 2019 &
I got job on November 2019 as a telecaller then i promoted to stock market field (as trainee) on october month.. i asked about demat because my company charges high amount brokerage for trading (.70 percent for delivery order) and i want to know which broker is bestvso i can start investment..

We belong to rural area and rural area people’s are know each other very well so they helped me

I hope you got all answer dear

SORRY FOR BAD ENGLISH

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Simbha3 wrote:

why don’t you take benefit of pmay or the state govt’s biju paka ghar yojana,.

Bro bribe ka jamana hai bahut office ka chakkar laga chuka hun koi fayda nahi hua

Missing