Sure Credit Monitor

India's First Loan Intelligence Platform | Track, Benchmark & Optimize your borrowing costs

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[Sure Credit Monitor @getsureapp]

Here are some legends who negotiated and saved!

Real Users, Real Savings! 🧵👇

https://t.co/FVBpk7gjdH

[🇮🇳 Karthik Rajashekaran  @iKarRaj]

@GetSureAppIn
I used ur app & managed to get 0.75% reduced on my existing homeloan.
Please treat this as an appreciation post the wonderful work your team is doing.
I’m sharing my experience & it’s been wonderful; ROI was successfully reduced.
Please see the confirmation below:

[Sure Credit Monitor @getsureapp]

The Diwali gifting season just got a new VIP: Your home loan!

Unwrap smarter insights, better rates and savings worth celebrating with SURE.

Team SURE wishes you a very Happy Diwali! 🪔

[Sure Credit Monitor @getsureapp]

Your EMI is playing favourites.

Interest gets the bigger slice. Principal gets the crumbs.

SURE shows you the split, so you know exactly what your EMI is doing.

Download the app to check!

[Sure Credit Monitor @getsureapp]

Higher interest rates? Not necessarily the final word.

A better credit score could help you negotiate and save lakhs.

Insights from SURE's co-founder, @kunalshah81, featured in The Economic Times.

Read: https://t.co/0iPwCsb1UJ

[Ahaan Pandit @ahaanpandit]

@suritalreja Let the team at @getsureapp help you.

[Sure Credit Monitor @getsureapp]

@Preeti__Kul Thanks Preeti.

Happy to see our users featured in the story. This should help create awareness and help millions other.

@ahaanpandit thanks for sharing your experience.

[Preeti K @Preeti__Kul]

As interest rates rise, existing home loan borrowers with strong credit profiles may have an opportunity to revisit their rates and renegotiate with their banks to reduce the credit-risk component of the spread and, consequently, their effective interest rate. Even a modest reduction in the spread can result in interest savings worth lakhs.

While financially savvy borrowers know how to make the most of strong credit profiles, awareness remains low. “Close to 70% of the borrowers on our platform are overpaying due to the wider spreads on the underlying loans,” says Kunal Shah, Co-founder, SURE Financial, a loan analytics start-up.

A higher credit score, however, does not automatically translate into a lower rate -- you have to proactively seek it.

As Vipul Patel, founder of MortgageWorld, puts it: “The bank has no obligation to re-underwrite the loan just because the score has improved. However, borrowers can cite their improved credit scores to seek a reduction in the spread.”

My latest cover story for ET Wealth looks at how borrowers are using stronger credit profiles to negotiate better home loan rates and substantially reduce their interest outgo.

Thanks for your inputs, @PravinTiwariX @getsureapp @PositivePatelV

@EconomicTimes @kayezad

[Pravin Tiwari @PravinTiwariX]

Delighted to see our users and my co-founder Kunal on the cover of Economic Times Wealth today.

When we started building SURE, the thesis was straightforward: "Why are smart people paying more?"

70% of prime borrowers overpay on their home loans because repo hikes gets automatically passed but your spread is never reduced when your credit profile improves.

Today's front page shows what happens when borrowers use their credit data to push back:

Three users. ₹21.47 Lakh in total interest saved. Zero bank switching required.

Most of our days are spent quietly building the tech and AI-workflow for liability management. Seeing that work save lakhs for families and make the cover of India's biggest financial paper is a proud moment for the whole team.

[Sure Credit Monitor @getsureapp]

Our users are featured on the ET story today.

Amazing to see them leading the charge and enabling others.

[Ahaan Pandit @ahaanpandit]

Don’t be surprised if your boy is in economics times today 😆

[Sure Credit Monitor @getsureapp]

@dineshlunkad @PravinTiwariX You should try it out and see for yourself.

Meanwhile 👇🏻

[Sure Credit Monitor @getsureapp]

Here are some legends who negotiated and saved!

Real Users, Real Savings! 🧵👇

https://t.co/FVBpk7gjdH

[Sure Credit Monitor @getsureapp]

Your EMI gets deducted every month. No surprises there.

But what if you're paying more than you need to?

Let SURE find out!

Analyse your home loan, spot potential overpayments and discover savings.

[Sure Credit Monitor @getsureapp]

Absolute Cinema!

[Sure Credit Monitor @getsureapp]

One thing Jab We Met got right? Plans can change for the better.

Your home loan plan from five years ago might deserve a rethink too.

Check what you could be saving with SURE.

[Sure Credit Monitor @getsureapp]

The repo rate has gone up, but your home loan rate can still come down. 𝗛𝗢��?

Download SURE and check the best rate your home loan deserves.

𝗬𝗼𝘂𝗿 𝘀𝗮𝘃𝗶𝗻𝗴𝘀 𝗮𝗿𝗲 𝗶𝗻 𝘆𝗼𝘂𝗿 𝗵𝗮𝗻𝗱𝘀. 𝗗𝗼𝗻’𝘁 𝘄𝗮𝗶𝘁.

[Sure Credit Monitor @getsureapp]

Repo rate update tomorrow.

Home loan borrowers, what are you hoping to hear?

Drop your expectations below👇

[Sure Credit Monitor @getsureapp]

This Gandhi Jayanti, here’s to an India that sees, listens, and chooses wisely.

Especially when the choice lasts 20 years.

𝗗𝗼𝗻’𝘁 𝗷𝘂𝘀𝘁 𝗵𝗮𝘃𝗲 𝗮 𝗵𝗼𝗺𝗲 𝗹𝗼𝗮𝗻. 𝗛𝗮𝘃𝗲 𝗮 𝗦𝗨𝗥𝗘 𝗼𝗻𝗲.

[Sure Credit Monitor @getsureapp]

@AThinkingMonke1 Yes it does.

We are on a mission to ensure you get what you deserve.

https://t.co/sIYUU0aPJ9

[Sure Credit Monitor @getsureapp]

Here are some legends who negotiated and saved!

Real Users, Real Savings! 🧵👇

https://t.co/FVBpk7gjdH

[Sure Credit Monitor @getsureapp]

One lesson from 3 Idiots aged surprisingly well: question everything.

The advice lands even better on a home loan you’ll be paying for years.

With SURE, get clearer answers to your home-loan questions.

[Sure Credit Monitor @getsureapp]

“Interest has dropped” works much better for home loans than dinner dates.

Leave the home loan optimisation to SURE.

Save your money. And the date.

[Sagar Nath @nathsagar96]

Huge thanks to the @getsureapp team for following up and helping me transfer my home loan balance—slashing my rate from 8.35% to 7.15% p.a.! 🚀 Highly recommend! 🏡 #SureApp #HomeLoan

[Sure Credit Monitor @getsureapp]

Looking everywhere for a home loan fix?

Plot twist: SURE might be a better place to start.

Be SURE. Save More.