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Smart Tips to Increase Your Home Loan Eligibility with the Help of the Eligibility Calculator



Home Loan

Home loan lenders take into consideration multiple factors when evaluating a home loan application. The chief among them is your income, age, remaining working years, LTV ratio, characteristics of your property, and existing loan repayment obligations. Failing to satisfy the cut-off predetermined by lenders can get the home loan application denied. Here are the top five ways to boost home loan eligibility and your chances of approval.

Make a Higher Down Payment or Margin Contribution

The RBI permits lenders to finance up to 75% to 90% of a property’s value with the help of a home loan in India. The remaining of the property’s cost needs to be contributed with the borrower’s resources as a margin contribution or down payment. While most housing loan applicants aim at contributing a minimum margin amount or down payment, making a significant down payment or maintaining a high-margin contribution comes with its advantages.

Firstly, availing of a lower loan amount is expected to lead to lower EMIs as well as lower home loan interest costs. Besides this, making a higher down payment or margin contribution also reduces the risk for the lender, which boosts the possibility of home loan approval at lower housing loan interest rates.

However, avoid compromising your emergency fund or investments that you have kept aside over the years to meet financial goals to make a higher down payment or increase the margin contribution. Doing so may compel you to take another loan at a higher home loan interest rate in the future to tackle these financial emergencies or achieve your non-negotiable financial goals.

Avail of a Joint Home Loan by Looping in a Home Loan Co-applicant

Home loan applicants with insufficient or inconsistent income, relatively lower credit scores, higher EMI obligations, etc., have a higher chance of having their home loan refused. Such home loan borrowers can enhance their housing loan eligibility by looping in a member of their family as co-applicant(s), ideally, someone who has a stable income and a higher credit score. Besides boosting the chances of loan approval, adding a co-applicant boosts eligibility for a higher sanction. Looping in female co-applicants can fetch lower interest rates from some reliable or reputed lenders. You can use a home loan eligibility calculator to check your eligibility when applying with a co-applicant.

Compare Home Loans Offers from Multiple Lenders

Interest rates, processing fees, and other costs that are typically associated with a housing loan can differ across home loan lenders widely based on their credit risk evaluation of housing loan applicants. Hence, aspiring home loan applicants must compare as many lenders as they can before zeroing in on any one lender.

As home loan lenders offer preferential rates or other terms and conditions to existing customers, prospective applicants must first approach financial lenders with whom they have built an existing relationship. Then, they must pay a visit to some online financial marketplaces and compare the home loan interest rates and other features offered by other housing loan lenders. This will empower them to find the most suitable home loan deal with the lowest home loan interest rate, optimal loan tenor, as well as a sizeable home loan sanction.

Review Credit Score before Applying

A credit score is one of the first filters factored in by lenders while evaluating a home loan application. A good credit score, considered usually to be 750 and above, can boost housing loan eligibility and also fetch lower home loan interest rates from home loan lenders in India. Hence, home loan applicants need to review their credit scores before availing of home loans. Doing so would help those having a lower credit score take necessary corrective measures to improve their credit score and then apply for a loan with an improved credit score.

Moreover, one should also develop the habit of reviewing one’s credit score periodically, ideally once in three months. This would help make sure that there is sufficient time to take corrective measures, improve the credit score and get any errors, rectified at the earliest.

Opt for a Longer Home Loan Repayment Tenor

Opting for a longer loan tenor will lower your home loan EMI, which will increase the loan eligibility owing to higher home loan EMI affordability. However, opting for an unnecessarily longer tenor can unnecessarily ramp up the overall home loan interest cost of your housing loan in India. Therefore, individuals planning to avail of home loans must use online home loan EMI calculators to find out the optimum loan tenor based on their repayment capacity and contributions to satisfy their crucial financial wishes. They can also use a home loan eligibility calculator to assess their housing loan eligibility. Borrowers can, later on, make part home loan prepayments to lower their current home loan interest rate whenever they have any surplus funds shortly.

Also, home loan lenders typically tend to prefer lending to those with total EMI obligations, including EMIs for the new housing loan, within 50% to 60% of their monthly income. Hence, housing loan applicants exceeding the limit can enhance the chances of home loan approval by reducing monthly EMI obligations via longer loan tenors.

Concluding Thoughts

Before you apply for a home loan, you need to keep in mind how you can further enhance your home loan eligibility. Even if you are an existing home loan borrower, you can consider a home loan balance transfer. Besides, keep in mind the ample home loan tax benefits that such a credit tool offers, use online tools like a home loan eligibility calculator to your advantage, and apply today. 

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Amazon Courtesy Credit: Understanding and Utilizing It



amazon courtesy credit

Amazon courtesy credit, the e-commerce giant, is known for its customer-centric approach and commitment to ensuring a satisfactory shopping experience for its users. One of the ways Amazon achieves this is through its CC policy, aimed at compensating customers for certain inconveniences or issues encountered during their shopping journey.

What is Amazon Courtesy Credit?

Amazon Courtesy Credit  (ACC) is a form of compensation provided to customers in recognition of various issues or inconveniences they may experience while shopping on the platform. It serves as a gesture of goodwill from Amazon to maintain customer satisfaction and loyalty.

Instances Eligible for Amazon Courtesy Credit

Late Deliveries

Customers may be eligible for ACC if their orders are delivered later than the estimated delivery date provided at the time of purchase.

Damaged or Defective Items

In cases where items arrive damaged or defective, customers can request ACC as a form of compensation for the inconvenience caused.

Inaccurate Product Descriptions

If customers receive items that do not match the product descriptions or specifications listed on the this website, they may qualify for ACC.

How to Request Amazon Courtesy Credit

Customers can request ACC by contacting Amazon customer support and providing details about the issue they encountered. Amazon representatives will assess the situation and determine if compensation is warranted.

Factors Affecting Amazon Courtesy Credit

Customer History and Engagement

Amazon may take into account a customer’s purchase history, order frequency, and overall engagement with the platform when determining eligibility for ACC.

Order Frequency

Frequent and loyal Amazon customers may receive more favorable consideration for courtesy credit compared to occasional shoppers.

Issue Severity

The severity and impact of the issue experienced by the customer also play a role in determining the amount of CC provided.

Benefits of Amazon Courtesy Credit

Amazon Courtesy Credit offers several benefits to customers, including:

  • Compensation for inconvenience or dissatisfaction with the shopping experience.
  • Enhanced customer satisfaction and loyalty.
  • Reinforcement of Amazon’s commitment to customer service excellence.

Limitations and Considerations

While Amazon Courtesy Credit can help address certain issues encountered by customers, it’s important to note that it may not fully compensate for all inconveniences or dissatisfaction experienced during the shopping process.

Customer Experiences and Feedback

Many Amazon customers have shared their experiences and feedback regarding Amazon Courtesy Credit on various online platforms and forums. Exploring these insights can provide valuable perspectives and tips for navigating the process of requesting and utilizing courtesy credit.


It serves as a valuable tool for maintaining customer satisfaction and loyalty by compensating users for certain issues or inconveniences encountered during their shopping experience. By understanding the eligibility criteria and process for requesting courtesy credit, customers can leverage this benefit to enhance their overall shopping experience on Amazon.


  • How do I request ACC for a late delivery?

  • To request it for a late delivery, you can contact Amazon customer support through their website or app. Provide details about your order, including the order number and the estimated delivery date. Amazon representatives will assess the situation and may offer compensation in the form of CC.
  • What should I do if I receive a damaged or defective item from Amazon?

  • If you receive a damaged or defective item from Amazon, you should contact Amazon customer support immediately to report the issue. Provide relevant details such as the order number, item description, and images showing the damage or defect. Amazon will assist you in resolving the issue and may offer CC as compensation.
  • Is ACC provided automatically, or do I need to request it?

  • ACC is not provided automatically. You need to request it by contacting Amazon customer support and explaining the issue you encountered. Amazon representatives will evaluate your request and determine if CC is warranted based on their policies and guidelines.
  • Can I use ACC for future purchases on the platform?

  • Yes, ACC can typically be used for future purchases on the Amazon platform. Once credited to your account, CC can be applied towards the payment of eligible items during checkout. However, it’s essential to check the terms and conditions associated with the Courtesy Credit for any specific limitations or restrictions.
  • Are there any restrictions or limitations on the use of ACC?

  • While It can generally be used for purchases on the platform, there may be certain restrictions or limitations depending on the terms and conditions associated with the credit. For example, Courtesy Credit may have an expiration date or be limited to specific categories of products. It’s advisable to review the terms carefully to understand any restrictions before using the Courtesy Credit.
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Your Payment Could Not Be Sent on Cash App: Understanding and Resolving Issues



your payment could not be sent cash app

The article “your payment could not be sent cash app” This app emerged as one of the leading mobile payment platforms, offering users a convenient way to send, receive, and manage money directly from their smartphones. While Cash App provides a seamless payment experience for millions of users, occasional issues may arise, leading to payment failures and frustrations for users.

Understanding Payment Issues on Cash App

Payment issues on Cash App can occur due to various reasons, ranging from technical glitches to user error. When your payment cannot be sent on Cash App, it’s essential to understand the underlying causes and take appropriate steps to resolve the issue promptly.

Common Reasons for Payment Failures

Several factors can contribute to payment failures on Cash App, including insufficient funds, incorrect recipient information, network connectivity issues, and security concerns. Identifying the specific reason for the payment failure is crucial for resolving the issue effectively.

Steps to Take When Your Payment Cannot be Sent

If your payment could not be sent on Cash App, consider the following steps to troubleshoot the issue:

  • Check Account Balance:

  • Ensure that you have sufficient funds in your Cash App account to cover the payment amount.
  • Verify Recipient Information:

  • Double-check the recipient’s details, including their Cash App username or phone number, to ensure accuracy.
  • Retry the Payment:

  • Attempt to resend the payment after confirming that all details are correct.
  • Monitor Transaction Status:

  • Keep track of the transaction status within the Cash App interface to receive real-time updates on the payment attempt.
  • Contact Cash App Support:

  • If the issue persists, reach out to Cash App support for assistance and further troubleshooting steps.

Contacting Cash App Support

In case of persistent payment issues, contacting Cash App support is the best course of action. Users can reach out to Cash App customer service through the app or website for personalized assistance and resolution of payment-related concerns.

Tips to Avoid Payment Issues on Cash App

To minimize the risk of payment failures and ensure a smooth transaction experience on Cash App, consider the following tips:

  • Maintain Sufficient Funds: Regularly check your Cash App balance and add funds as needed to avoid payment failures due to insufficient funds.
  • Verify Recipient Details: Always double-check the recipient’s information before initiating a payment to prevent errors and potential delays.
  • Stay Updated: Keep your Cash App and device software up to date to benefit from the latest security patches and enhancements.
  • Use Secure Networks: Avoid conducting Cash App transactions over unsecured or public Wi-Fi networks to protect your sensitive information from potential security threats.

Ensuring Account Security

In addition to addressing payment issues, prioritizing account security is paramount when using Cash App. Users should enable two-factor authentication, review transaction history regularly, and report any unauthorized activity promptly to safeguard their accounts and financial information.

Comparing Cash App with Other Payment Platforms

While Cash App offers convenience and flexibility for peer-to-peer payments, it’s essential to compare its features and functionality with other payment platforms. By evaluating factors such as transaction fees, security measures, and user experience, users can make informed decisions about which platform best suits their needs.


In conclusion, encountering payment issues on Cash App can be frustrating, but understanding the underlying causes and taking proactive steps can help resolve the problem effectively. By following best practices for account security, verifying recipient information, and staying informed about transaction status, users can minimize the risk of payment failures and enjoy a seamless payment experience on Cash App.


  •  What should I do if my payment fails on Cash App?

  • If your payment fails on Cash App, double-check the recipient’s information and account balance before attempting to resend the payment. If the issue persists, contact Cash App support for assistance.
  • How long does it take for Cash App to resolve payment issues?

  • The time taken to resolve payment issues on Cash App varies depending on the nature of the problem. In most cases, Cash App strives to address payment concerns promptly and efficiently.
  • Can I cancel a failed payment on Cash App?

  • Yes, users have the option to cancel a failed payment on Cash App before it is successfully processed. However, once a payment is completed, it cannot be canceled or reversed.
  • Does Cash App charge a fee for failed payments?

  • Cash App does not charge a fee for failed payments. However, standard transaction fees may apply when sending money or using certain features within the app.
  • Are there any limits on the amount of money I can send through Cash App?

  • Cash App imposes certain limits on the amount of money users can send and receive within a specified time frame. These limits may vary based on account verification status and other factors.
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Ace Hair Extensions & Co Overtakes other beauty brands with it’s new Serum & XL Ace Lace Glue



Ace Hair Extensions & Co

A brand receiving strong demands for its services must always continue to listen to their customers on what better ways to serve them, which Ace Hair Extensions & Co did last year which led to the innovations of new skus and items.

They have continued to defie luxury downturn and have continued to see new customer satisfactory reviews on forums and social media blogs alike.

Besides their Glue being #1 on the market for bonding strength, The Parfum Serum is made with different plant and root extracts, revealing natural scents and tones that last all day.

It’s Non oily, very silk-like, smells amazing, and is made from organic properties.

Many owning these beautiful products know how much they mean to Ace Hair Extensions & Co when they receive their packages in the mail and see the stylish packaging and attention to detail so they dress their bathroom counters and dressing tables up with their new luxuries.

Experience greatness again

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