Skip to main content

Looking to switch your home loan provider? @SwitchMe_IN can be an answer

After RBI's rate cuts several banks have reduced interest rates (on both loans and deposits) in the recent times. Some banks haven't done that yet. In addition to rate cuts there are instances where one lender would be better than another (your current loan vendor). In such cases it makes sense to switch your home loan provider. Now this is not a simple process and involves the following steps as neatly described by SwitchMe


So switching a home loan is time consuming and cash burning process. However if done right it can help you save cash in long run. SwitchMe is a provider who claims to help home loan consumers switch their vendors with ease. They also claim to have helped people save over ₹170 Cr. with their services!

I provided some random inputs to assess the quality of suggestions. When the amount involved was smaller, say ₹3 L and the remaining tenure was just 3 years @ 10.25% interest, I was suggested to stay with current provider as my savings were considered negligible. Additionally it turns out that even banks at times are reluctant to accommodate such small tenure loans. Once I tried providing bigger inputs I got some good suggestions. Sample these - 




SwitchMe seems to charge ₹5000 for their services - I got the same quote for both the queries I made. Overall SwitchMe can be a good resource for anyone who is - 
  1. Casually evaluating the benefits of a home loan switch
  2. Hard pressed for time to complete the paper formalities required to switch a service provider

Popular posts from this blog

Resolving INS-20802: Oracle Net Configuration Assistant failed error on Windows 10

I was all excited about the migration to Windows 10 until I had to install Oracle client 12.1.0.2 on it. The Oracle client installation used to fail miserably at the last stage with this error named INS-20802.


Troubleshooting a Constantly Freezing Windows 10 PC

On my Windows 10 Home, I was being bugged by constant freezes which forced me to hard reboot now and then. Since I use Ubuntu as my primary OS, I chose to adjust with this for long. However, this became more of a trouble in the recent times with Windows starting up at 98% CPU usage and every process actually showing 0% CPU usage. That's when I decided to get into the root of the problem and resolve it. I was confident that the hardware was fine since Ubuntu worked perfectly all the time.
It turned out that many Windows 10 users, especially those who upgraded from previous versions of Windows 7 or 8 / 8.1 faced similar freezing issues. The answers at Windows Forums by Microsoft staffers generally suggested using the command sfc /scannow to verify that system files were intact. However, most users found it unhelpful and that didn't help me either.

SSL VPN: Configuring and Using Forticlient on Ubuntu, creating a Launcher

Is your primary OS at home Linux and do you use Windows only to connect to your work PC over VPN or to attend meetings? Do you often wish to connect to your work VPN from a Linux PC?  If your answer is 'Yes' to the above questions, I have an answer if your workplace uses Fortinet SSL VPN. Note that it's possible to connect to Fortinet and other VPNs like Cisco VPN from Linux through the inbuilt network manager by installing additional tools but this post would focus on using the standard Forticlient for accessing the resources on your work network.
Obtaining Forticlient The most important thing to note w.r.t. using Forticlient for Ubuntu (or any Linux distro) is to note that the client is not publicly available for download from the official website. You will have to ask your IT department to download the client for you, in case they haven't provided it.