u/mandatorysession

Help guys please

Anyone wanna go out to eat something or maybe jus chill

Same as title

My father is 55 years old and wants to learn harmonium along with basic Hindustani classical singing/music. We are looking for a genuine classical music teacher or singer in Haldwani who can come to our home and teach for around 1–2 hours a few days a week.

Preferably someone patient and experienced with beginners/adult learners.

Location preference: Near Kathgariya area

If anyone has leads, contacts, or recommendations, please let me know. Thanks!

Hi everyone,

I currently have a home loan with HDFC at an interest rate of 7.25% for ₹49 lakhs, with a tenure of 175 months. Recently, I’ve noticed that many people are getting home loans at around 7.10–7.15%, even with similar or slightly lower profiles than mine.

My CIBIL score is strong, and I also have two co-borrowers on the loan who have excellent credit scores as well. Given this, I feel like my current rate might be slightly on the higher side compared to what’s being offered in the market right now.

I wanted to understand:

Is it possible to negotiate with HDFC to reduce my existing interest rate?

Has anyone here successfully gotten their rate revised downward without refinancing?

What’s the usual process? Do I need to formally request a rate conversion or balance transfer?
Are there any charges involved in getting the rate reduced internally?
Would really appreciate insights from anyone who has gone through this or has experience dealing with HDFC on this.
Thanks in advance!

Hi everyone,

I currently have a home loan with HDFC at an interest rate of 7.25% for ₹49 lakhs, with a tenure of 175 months. Recently, I’ve noticed that many people are getting home loans at around 7.10–7.15%, even with similar or slightly lower profiles than mine.

My CIBIL score is strong, and I also have two co-borrowers on the loan who have excellent credit scores as well. Given this, I feel like my current rate might be slightly on the higher side compared to what’s being offered in the market right now.

I wanted to understand:

Is it possible to negotiate with HDFC to reduce my existing interest rate?

Has anyone here successfully gotten their rate revised downward without refinancing?

What’s the usual process? Do I need to formally request a rate conversion or balance transfer?
Are there any charges involved in getting the rate reduced internally?
Would really appreciate insights from anyone who has gone through this or has experience dealing with HDFC on this.
Thanks in advance!

I’m considering buying a double-storey 3BHK house (~1400 sqft built-up) in Kathgariya, near Sai Mandir Road, Bajuniya Haldu (Haldwani) for around ₹1 crore.

From what I understand, this area is still developing compared to prime parts of Haldwani, so I’m not sure if this price is justified or slightly on the higher side.

Does anyone here have recent insights into Haldwani real estate prices? Are properties in this area going for similar rates, or should I negotiate more?

Also, any advice on things to check before finalizing a property in this region would be really helpful.