Indebted to Astrology

Astrology has a definite and important role when it comes to taking on, and repaying loans. The extent, repercussions, timing and duration of a debt, all depend on the alignment of the planets in your horoscope, and the planetary periods and transits you experience. Your karmic debt from past lives, just might be the most powerful recovery agent for your present financial debts.

Houses of Debt

Of the twelve houses in a birth chart, these four are considered to be the most influential where loans and debts are concerned:

1. The 6^th House. The incurrence of debt is generally attributed to the 6^th house. That is, as this house relates to borrowing, creditors and repayment ability, the planetary influences on the 6th house can determine if and when a person may take a loan. If Rahu, Saturn or Mars have an adverse influence on this house, then debts may be accompanied by strife or financial loss.
2. The 12^th House. The 12^th house primarily relates to expenses, and the repayment of a debt is also determined by this house.
3. The 8^th House. This house has unanticipated financial implications, and in that sense, is somewhat similar to the 6^th house. Broadly speaking, the 6^th house shows taking a loan, while the 8^th house shows living with its consequences. If the planetary influences on this house are adverse, sudden or unexpected debts can arise during major/minor periods of the ruling planet of this house. This house can also indicate if a person is susceptible to hidden liabilities.
4. The 7^th House. When a loan is sanctioned through an institution such as a bank, then this sanctioning authority is represented by the 7^th house. So for all practical purposes, banks are represented by the 7^th house of a birth chart. Therefore, if the lord or planetary influences on the 7^th house are favourable, then securing loans or mortgages should not be a difficult task.
5. The 2^nd House. The 2^nd house is the house of income. All loans have to be repaid, otherwise they are not loans, but grants. Hence the 2^nd house describes the sources through which a loan can be repaid. The relationship between the lord of the 2^nd and the lord of the 12^th house can indicate if a person has the ability to generate income from a business venture, when the scheme is financed through a loan.

Debt Causing Planets

House lordships, placements and aspects have a direct role on a person’s financial position. The planets that matter the most for debt are:

1. Rahu ☊ in the 6^th, 8^th or 12^th House:

Rahu can precipitate the need to take on a loan, when it occupies any one of these houses. The prevailing planetary periods determines the timing of this event. If Rahu is debilitated or in its fall, and a loan is undertaken during an adverse planetary period, such as one of Rahu, the debt can potentially result in bankruptcy or major financial hardship.

Rahu in the 6^th and 12^th house incites one to make speculative investments, or to take on speculative expenses, including those in the form of loan repayments. If Rahu occupies its domicile, or a friendly sign, this speculation should more often than not, yield returns.

2. 'Mars' ♂ in the 12^th House:

Mars is considered to be the significator of debts. The alignment of this planet in relation to the 12^th house determines the duration of a debt. If Mars is placed in a favourable sign in the 12^th house, or favourably aspects this house, a debtor should be able to repay their loans on time, or relatively quickly. Conversely, the opposite will be true if this planet is not well placed. Mars’ influence on the 12^th house can also indicate if an investment, or expense can lead a person into debt. It also suggests the financial implications of financial borrowings, such as the possibilities of falling into a debt trap.

As Mars has a strong association with land and property, debts incurred on account of property are governed by this planet’s alignment. Hence, Mars’ position in a natal chart can indicate if taking on a property related debt is advisable or not.

3. The Moon ☽:

There is an interesting school of thought that suggests that the Moon is the primary planet for determining a person’s ability to secure loans. The theory holds that the Moon is indebted to the Sun for the borrowed light of its glow. During every waxing phase, the Moon incurs this debt, which it pays off when it enters its dark waning phase. The Moon is thus also considered to be a significator of loans.

It’s Time to Pay Up

Planetary periods and transits determine when a loan will be sanctioned, and when it will be repaid. The periods that are of significance for these matters are:

• The General Timing of Repayments.

If a loan is ongoing, repayment is likely to be completed when concurrent major and minor periods of these planets coincide:

1. The ruling planet of the 2^nd house, the house of income.
2. The ruling planet of the 11^th house, the house of gains.
3. If these respective signs of these houses have an affinity towards these two planets, then their transits through their respective houses can indicate the timing of repayment or the closure of a loan. That is, if the ruling planet of the 2^nd house transits through the 11^th house, and vice-versa is indicative of the phase of final settlement.

• Periods of Mars.

1. If Mars has a direct influence on the 6^th or 12^th house, then a person may be inclined to take on a loan during major and minor periods of this planet.
2. If Mars has a favourable influence, then loans are likely to be repaid during major periods of this planet.

• Periods of Rahu.

1. Rahu being essentially malefic in nature, tends to cause struggles and worries during its major and minor periods. If Rahu has an adverse influence on the 6^th, 8^th or 12^th house, financial struggles due to debts are likely.
2. If a loan is being repaid during periods of Rahu, then repayment will be a challenge, and a source of anxiety.
3. Undertaking a debt during Rahu transits through the 6^th or 12^th house is also inadvisable, as this creates the potential for unexpected complications. Rahu occupies each sign (house), for about one-and-a-half years.

• Periods of Saturn.

1. If a loan is undertaken during a major or minor period of Saturn, then repayment may take longer than expected, or this will become a long-term debt.
2. If Saturn unfavourably influences the 6^th or 12^th house, repaying the loan during periods of Saturn will be difficult.

• ‘Yogini’ Planetary Periods.

1. ‘Yogini’ planetary periods are unique to Vedic astrology and have concurrently running major and minor periods. They significantly impact a person’s profession and financial life.
2. They are based on eight symbolic feminine energies, each ruled by a planet and governing a specific period of life. The full cycle spans 36 years and repeats.
3. This impact can be distinctly favourable or unfavourable, depending on the period in progress. If a debt is incurred or being repaid during a ‘Yogini’ period of ‘Sankata’, then this will present major difficulties to the debtor. The opposite is true if a ‘Yogini’ period of ‘Siddha’ is in progress.