Please guide and advice me....

Hello Their, my name is sudip and i want to ask to local circle member that please guide me or advice me that on 31st December 2016, Modi Government announce of reducing of home loan interest up to 7%. is that true or not, and what category people is get benefit from this, i belong to middle class family and i took loan of 25 lac mortgage from citi bank, for further foreign education. i get my qualification but i did not get job in this foreign country, and cant able to re-pay loan to citi bank India. now citi bank employee harash and torture my family in India too much. right now citi bank charge me 11% to me for mortgage loan and too much penalties for late payment and bounce charge. here in newzealand my financial and leaving life style is become so poor, i dont have enough money for buy my flight ticket as well. and i scared if, i came down to India, then how i re-pay loan to citi bank. i am in so much stress situation over here, i need some help from my government that if possible to reduce my rate of interest of previous loan and if possible then i can get any kind of government sub-side or any help from my indian government. i want to come back to India, but how ....please guide me..................or email me options on my email.....
sudipraj_parikh@yahoo.com more  

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Hi, Kindly send notice to bank and file police complaint to (addressing SP or DIG only no local thana) against bank branch manager for harassment (try to get the name of branch manager and for named complaint ), ask them you cant harass your family in India if u r living outside any further help just let me know. more  
Mr. Sudip, you must appreciate the fact that education (Vidya) is a wealth or a worthy asset, which cannot be stolen besides the fact that if you give it to somebody your earning is accumulated. So you are bound to reap the benefit if not today tomorrow for certain. So dont feel dejected or think that you lost sizable money. Request the Citibank people by writing at length the difficulties you have faced, and upon its merits they shall consider some waiver for sure. Be confident. If there is a will there is a way out. more  
Try in Australia,those companies have lots of JVs in south Asia.See advertisements in Devex on line,and such NGO more  
Mr. Sudip, you are confused coz u have not lost wealth u have gained education i.e wealth. Till then do odd job, look for a proper job here in India or there. more  
Dear Sudip Parikh, As i understand, the new proposal by PM Hon. odiji will not have any effect on past loans. In my view, you have to get a job and start payment. Sorry for harsh truth. more  
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