tag:blogger.com,1999:blog-25207369244793091452024-02-07T16:12:04.593-08:00Mortgage LoanEDITOR http://www.blogger.com/profile/07319488602091031976noreply@blogger.comBlogger26125tag:blogger.com,1999:blog-2520736924479309145.post-67662272727063977112019-11-22T22:06:00.000-08:002019-11-22T22:06:38.898-08:00How I Picked the Best Auto Loans<div dir="ltr" style="text-align: left;" trbidi="on">
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Many people select their auto loan company depend on interest rates. A competitive interest rate is very important for your credit and the car you want to buy. That’s why I deeply considered many other points along interest rates, details I’ll listed further down.<br />
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<b>You won’t to overlook nearby banks and plenty of credit unions in your search.</b> In the current decades loan is the main wheel of our civil society.</div>
Unknownnoreply@blogger.comtag:blogger.com,1999:blog-2520736924479309145.post-5036624369649679892019-10-29T06:13:00.003-07:002019-11-22T22:06:04.227-08:00Insurance: Avoiding Companies Quick To Collect Premiums But Slow In Claims Payment.<span style="font-family: inherit;">In fairness the refusal/inability of companies to honour financial obligations is not a problem unique to insurance companies. All organisations rightly focus more on generating revenue but some become reluctant when called upon to fulfil promises to their clients involving financial outlay. </span><br />
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<span style="color: #333333; font-family: "avenir next" , "arial" , "helvetica neue" , "helvetica" , sans-serif;"><span style="font-family: inherit;">I conducted an experiment recently involving my mobile phone provider. As my contract was nearing the end after a two-year period, I contacted them and as usual followed the steps as directed by the automated answering machine. Astonishingly, after waiting for 20 minutes to speak with a staff, I was disconnected. This happened twice so when I rang the third time, I went for the option that linked me to staff in the sales unit and was instantly connected to a staff. Of course when it became clear to the staff that I was not after a new contract I was transferred to the cancellation team and continued to wait.</span></span><br />
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<span style="color: #333333; font-family: "avenir next" , "arial" , "helvetica neue" , "helvetica" , sans-serif;">Without exception all countries where insurance companies operate will have some unscrupulous operators who are no better than the ordinary con man on the street using dishonest methods to trick people into parting with money. Though I praised insurance companies in earlier posts, feedback I have received coupled with a few personal experiences have led me to accept that there are insurance companies operating today that the authorities need to monitor closely.</span></span><br />
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<span style="color: #333333; font-family: "avenir next" , "arial" , "helvetica neue" , "helvetica" , sans-serif;">Even the so-called hub of insurance- London has its share of insurance companies that use specially trained staff backed by fancy TV advertisements and publications to persuade unsuspecting members of the public into parting with money in exchange for badly worded insurance contracts.</span></span><br />
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<span style="color: #333333; font-family: "avenir next" , "arial" , "helvetica neue" , "helvetica" , sans-serif;">How To Spot Crooked Insurance Companies</span></span><br />
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<span style="color: #333333; font-family: "avenir next" , "arial" , "helvetica neue" , "helvetica" , sans-serif;">PremiumWe are all hungry for bargains and most are quick to run to comparison sites for quotes. These sites unfortunately rank quotes from insurance companies based on prices with the cheapest ranked topmost. As with most goods and services, the cheapest is not always the best. This is especially true for insurance because it involves pooling of funds with each insured expected to contribute to the pool, premium commensurate with the risk it presents.</span></span><br />
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<span style="color: #333333; font-family: "avenir next" , "arial" , "helvetica neue" , "helvetica" , sans-serif;">So when the price (premium) appears too good to be true, please avoid. When an insurance company undercuts the competition by quoting ridiculously low premium, it follows that in the event of a claim, that company may not have sufficient fund to meet its obligation after making provision for overheads.</span></span><br />
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<span style="color: #333333; font-family: "avenir next" , "arial" , "helvetica neue" , "helvetica" , sans-serif;">ReviewsA great advantage of the internet is that people are able to post reviews of goods and services detailing their experiences. Reviews are also available online for companies with the customers rating services of companies. Most of us already read reviews for most goods and services before purchase and should therefore extend this practice.</span></span><br />
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<span style="color: #333333; font-family: "avenir next" , "arial" , "helvetica neue" , "helvetica" , sans-serif;">I usually troll the web for as much customer review of a company as possible as some of these companies with the aid of their IT staff attempt to counter the negative reviews by posting fake reviews.</span></span><br />
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<span style="color: #333333; font-family: "avenir next" , "arial" , "helvetica neue" , "helvetica" , sans-serif;">ReferralsAkin to points highlighted about reviews above. The old-fashioned way of deciding whether to patronise a company offering a service is usually to ask for the opinion of friends and family. Often we extend the enquiry to professionals we have had dealings with and trust/value their advice.</span></span><br />
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<span style="color: #333333; font-family: "avenir next" , "arial" , "helvetica neue" , "helvetica" , sans-serif;">Company Annual ReportFor those comfortable with numbers, the traditional method of reviewing a company's standing is the annual report which is a comprehensive report of the company's activities for the preceding year.</span></span><br />
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<span style="color: #333333; font-family: "avenir next" , "arial" , "helvetica neue" , "helvetica" , sans-serif;">With a few clicks these reports could be accessed on the web offering access to useful information like the balance sheet of the company, its profit and loss and cash flow statement as well as helpful notes to aid understanding of the financial statements.</span></span><br />
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<span style="color: #333333; font-family: "avenir next" , "arial" , "helvetica neue" , "helvetica" , sans-serif;">Opting for legal cover extrasThis is particularly useful when you need to pursue an uninsured loss. Insurers are more likely to honour a claim which falls within the purview of their policy if lodged through a solicitor because prolonging such claims cost them a lot more in legal fees if they eventually lose the case.</span></span><br />
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<span style="color: #333333; font-family: "avenir next" , "arial" , "helvetica neue" , "helvetica" , sans-serif;">However if you find that you are no match for the might of insurance companies but must invest in insurance regardless, you may want to seek the services of an insurance broker.</span></span><br />
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<span style="color: #333333; font-family: "avenir next" , "arial" , "helvetica neue" , "helvetica" , sans-serif;">Ikenna Nwabueze, an Associate member of the Chartered Institute of London is the founder of Insurance In Bold Prints</span></span><br />
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<span style="color: #333333; font-family: "avenir next" , "arial" , "helvetica neue" , "helvetica" , sans-serif;">http://insuranceinboldprints.blogspot.co.uk/View Ikenna's LinkedIn profile</span></span><br />
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<span style="color: #333333; font-family: "avenir next" , "arial" , "helvetica neue" , "helvetica" , sans-serif;">http://www.linkedin.com/in/ikennanwabuezeCopyright of Insurance In Bold Prints & Ikenna Nwabueze: You may freely republish this article, provided the text, author credit, the active links and this copyright notice remain intact.</span></span><br />
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<span style="color: #333333; font-family: "avenir next" , "arial" , "helvetica neue" , "helvetica" , sans-serif;">Article Source: https://EzineArticles.com/expert/Ikenna_Nwabueze/1211793</span></span><br />
<span style="color: #333333; font-family: "avenir next" , "arial" , "helvetica neue" , "helvetica" , sans-serif;"><span style="font-family: inherit;">Article Source: http://EzineArticles.com/9480116x</span></span><br />
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EDITOR http://www.blogger.com/profile/07319488602091031976noreply@blogger.comtag:blogger.com,1999:blog-2520736924479309145.post-62061316058398916042019-10-29T06:13:00.001-07:002019-11-22T22:05:57.035-08:00DevOps Automation for Faster and Continuous Product Release.Success won't come easily unless businesses lay groundwork for it. In the cut throat competition seizing market opportunities is a key challenge for companies. Businesses have diverse IT solutions for ensuring timely product delivery to markets and streamlining operations. But are they effective as they are supposed to be? This question is addressed to C level executives who are in the helm of finance, healthcare and insurance sectors to name a few.<br />
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Experts say DevOps is a lean and agile approach intended to capture market opportunities. For that it is necessary to integrate development and operations team to automate processes. The key is behaving like production system where development and QA team work together and perform well before it is ready for deployment. The agile environment helps in enhancing the quality process where innovation is fostered among team members and the whole execution process is streamlined.<br />
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While describing about DevOps it is also necessary to understand the difference between 'agile' and 'DevOps'. This is to ensure that prospective organizations need to understand the key difference between the two. Agile is about change in thinking having limited scope. On the contrary DevOps' scope is broad that spans cultural change with the involvement of all stakeholders involved in IT product delivery. For this, the release managers utilize tools like application release automation and continuous integration tools to attain project goals by emphasizing on continuous delivery approach.<br />
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Integration Leads to Standardization<br />
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In the same vein, DevOps encourages communication within the team working on the project to analyze gaps and fix the same before the product release. Now the question is how to improve the product quality by standardizing the processes. To understand more on DevOps let us take the example of testing, an important phase in product development. The traditional method of learning from mistakes and stop repeating it is time consuming and expensive. To solve this problem, DevOps approach calls for enhanced communication among the development, business, and testing team right from the planning phase to ensure all the three stakeholders are informed well on the workflow of the new product. To be specific, this means integrating the development environment, test environment, stage environment, and production environment where all stakeholders are headed towards one direction with no hindrance in the workflow. Once the testers are involved right from the day one, the possibilities of identifying and fixing gaps during each sprint are higher. It is at this stage the importance of automation coming as it is vital to ensure standardized processes are automated for the best product quality. The end result is quality product reaching the market at a faster pace.<br />
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Functions of DevOps<br />
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What are the functions DevOps integrates? For all those who aspire to use this approach need to know the integration of various functions like:<br />
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• Continuous integration<br />
• Continuous deployment<br />
• Log management<br />
• Load balancing<br />
• Monitoring<br />
• Infrastructure management<br />
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Organizations need to have clear understanding about DevOps automation and how to obtain maximum results through a DevOps approach. For this, it is important to understand continuous monitoring of application and environments hold the key to success of business by improving the code and processes.<br />
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Do Businesses Have DevOps Strategy?<br />
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Businesses need to have a DevOps strategy to:<br />
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• Gauge DevOps business drivers and initiatives of organizations.<br />
• Assess important DevOps domains that align with organization's goals.<br />
• Prioritize projects size wise and duration wise.<br />
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Strategies are vital for gaining visibility in a competitive era. DevOps itself is a combination of strategies understanding the gaps of products and processes intended to produce standard software products and services. If businesses are convinced about the need to have a DevOps strategy, they can count on reputed IT vendors who can suggest on 'why's and 'how's on DevOps. They will examine what can be automated after identifying the gaps in the existing development and operations process to improve the same. In sum, moving towards DevOps automation is advantageous for businesses.<br />
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PRIME's new Policy Administration System is a SaaS-based claims administration software designed with the latest technology, for property and casualty insurers of all sizes around the world. Supporting such standard practices as quoting, new business, and a multitude of other standard necessities for carriers, PrimePAS also offers its users a beautifully customizable insurance policy administration software - so you can tailor each aspect to your business's specific needs.<br />
PRIME's property and casualty insurance software makes your business ready to adapt and deliver for the fast-paced, action-packed years ahead.<br />
for more information visit us at http://www.primepas.com<br />
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Article Source: https://EzineArticles.com/expert/Sud_Gover/2254163<br />
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Article Source: http://EzineArticles.com/9468404EDITOR http://www.blogger.com/profile/07319488602091031976noreply@blogger.comtag:blogger.com,1999:blog-2520736924479309145.post-78051636136756451182019-10-29T06:11:00.004-07:002019-11-22T22:05:49.172-08:00Telematics and Big Data: Next Generation Automotive Technology.Telematics, Big Data, and Analytics are the three big important ways that are driving the auto industry forward. In this article, we will see how big data analytics, with the insights of information processing, can help transform the automotive and transportation industry globally.<br />
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The future of telematics is with big data.<br />
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Traditionally, in most automotive and transportation enterprises, specialized business processes have always been analyzed and modeled on whatever limited empirical data or contextual information was available to them. Proper data was few and far between. Or, even if the required data was available, enterprises hardly had any technological know-how with them to harness all the information necessary for their use. It was quite a difficult task to deal with such a situation where enterprises heavily relied upon conventional methods such as going through previous driving records, including taking into account people's age and gender, locale demographics to accurately predict risk levels among its consumer base. This was something haphazard, awkward and unreliable.<br />
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Now with the advanced big data analytics, accessibility to scores of information and the science of telematics are putting the current understandings in new light, offering new conversation starters, and creating new potential outcomes that were not really possible before. "Big Data" as we know it is changing everything for the better. It is changing how the vehicles are built, how they work, how we use them and how they collaborate with everything else in this world: From vehicle-assembling to insurance underwriting, to traffic modeling to optimizing traffic routes, Big Data is changing the world of car/fleet transportation industry in a big way.<br />
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Big data analytics plays a very important role in the telematics field. The fact of the matter is that the science of telematics which involves telecommunications and vehicular technologies demonstrates how big data analytics can improve supply chain management, fleet management, increase yield and drastically reduce material costs, not to mention the quality and safety issues that never get compromised using proper big data analytics. In fact, the use of relevant data directly leads to more opportunities. It is in this context we will see how Big Data is bringing transformative elements into the various industry sectors especially in insurance, financial, automotive and transportation and other sectors and improve their business processes.<br />
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Telematics All The Way<br />
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Telematics is ushering an era of big changes. The way vehicles are insured and how they are driven or repaired are all changing for the better.<br />
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Earlier, we have seen that insurance and maintenance standards of vehicles were based on some kind of conjecture and the rough utilization of crude data that was available at hand. But with the use of telematics, a strong evidence of data is promptly accessible that can revamp entire branches of the commercial enterprises and change drivers' driving behaviors.<br />
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Thanks to telematics, the wealth of data that can be derived from vehicles can also be made available to drivers. This is also one of the big changes that telematics promises. As far as valid data is concerned, there are simple ways people can immediately access from their connected car, and this same data can also be transmitted to the manufacturers or insurance companies for that matter. So when data is available and is accessible to users then there is going to be better understandings of their vehicles' performance, ultimately resulting in helping drivers adopt good driving behavior. Drivers will have access to GPS-related data that will let them know their driving styles, including real-time information on fuel consumption, speed limits, hard acceleration, braking, phone distraction, etc. All this useful information can impact not only their driving performance but also can extend the longevity of their cars.<br />
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Driving Innovation and Continued Growth for Auto Insurance<br />
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To give you just one example: Consider the insurance industry. Using the great combination of telematics and big data analytics, insurance companies are able to enhance their business processes to an extent that was not possible before.<br />
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Basically, the insurance industry is based on analytics and probability. Therefore, to have a proper access to accurate and in-depth data that identifies with every customer's lifestyle and risk always works in the best interest of the insurance industry. This is an area where telematics has been adding quite a lot of significant value propositions that matter greatly to both insurance companies and their paying clients alike.<br />
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With telematics and big data analytics, insurance companies don't have to resort to guesswork to fix premiums for their customers. It has enabled insurers to reward policyholders, who display good driving conduct and check their vehicle health stats, with lower premiums and rebate offerings by taking the guesswork out of the equation. This is nothing but a big data approach to telematics insurance.<br />
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Telematics is a positive trendsetter and has grown exponentially in recent years. The positive impact that it has over companies and consumers alike is proving to be a win-win deal for everyone. And as far as telematics is concerned Big Data would be there too, working hand in hand. Not only consumers but automotive manufacturers and service providers as well are going to get greatly benefitted from the marriage of big data and telematics. And since the relationship is really symbiotic, big data is going to be the future of telematics. Embrace big data and telematics in a big way!<br />
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Prime's telematics system, Xemplar, enables fast and efficient two-way communication between insurers and customers. Xemplar's mobile app-based system saves you money on hardware and infrastructure costs while also accommodating any mobile device or tablet, reaching drivers anytime and anywhere, and providing your business with critical information in real-time. Contact us now, and in less than 24 hours you will have the best technology solution for auto insurers. for more information visit us at http://www.xemplartelematics.com/<br />
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Article Source: https://EzineArticles.com/expert/Sud_Gover/2254163<br />
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Article Source: http://EzineArticles.com/9489878EDITOR http://www.blogger.com/profile/07319488602091031976noreply@blogger.comtag:blogger.com,1999:blog-2520736924479309145.post-74871210439324256322019-10-29T06:11:00.002-07:002019-11-22T22:05:42.810-08:005 Reasons Why Big Data Is The Smart Way Ahead For Insurance Distribution.The ever-changing challenges that the insurance industry faces, has made it imperative for insurers to leverage the powers of data and analytics. The valuable insights derived from analyzing data propel insurance companies to find a solution to business problems. Analyzing structured data related to policyholders, and unstructured data from different sources, including social media, aid insurers to analyze the risks involved in insuring an individual who has opted for an insurance policy. This is also necessary for deciding the premium to be charged.<br />
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In addition, Big Data and analytics have also profoundly affected customer insights, claims management, and risk management. Here are five ways Big Data has transformed the insurance industry:<br />
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1. Standing out in the crowd - The competition prevalent in the insurance industry makes it important for every insurance company to define and prove its efficiency over its competitors. This can be ensured offering their products at a lesser price, without compromising on impeccable customer-service. Big Data and analytics help insurers to simplify the business processes, and meet changing regulatory requirements.<br />
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2. Streamlining business processes - Big Data helps the insurers offer policy recommendations that not only suit the interest of customers, but also serve the best interests of the company. This is possible only through data analysis.<br />
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3. Get valuable insights on customers - As customer needs and preferences frequently change, it poses a constant challenge for insurance companies to keep a track of it constantly. Big Data aids insurers in understanding and predicting customer behavior, effective in customer acquisition and retention. This makes it possible for insurance companies to develop products to suit the ever-changing tastes of their customers and ensure smart insurance distribution.<br />
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4. Managing claims to identify fraud - The insurance industry often incurs heavy losses due to fraudulent practises, with almost $80 billion being the estimated figure for fraudulent claims. Predictive analytics helps insurance companies address the rise in such claims, analyze data from internal sources, and identify applicants with a greater propensity to resort to fraudulent practises. They can also use data mining to keep a tab on digital channels through social listening to detect fraudulent behavior.<br />
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5. Managing risk - Big Data and analytics help insurers in formulating policies, especially policies for natural catastrophes, keeping in mind policy conditions, historical data, and such other technical data. The process of insurance distribution becomes comparatively streamlined when insurance companies are able to decide on a catastrophe policy on the basis of accurate Big Data like the residential address, and other important factors, rather than merely the city or state. Big Data solutions can automatically update their pricing models for efficient insurance distribution.<br />
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The above factors perfectly highlight how Big Data and analytics serve as the root of insurance companies being balanced and its ability to keep up with the changing times.<br />
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Article Source: https://EzineArticles.com/expert/Nidhi_Vora/2278997<br />
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Article Source: http://EzineArticles.com/9495370EDITOR http://www.blogger.com/profile/07319488602091031976noreply@blogger.comtag:blogger.com,1999:blog-2520736924479309145.post-50440466970072462822019-10-29T06:11:00.000-07:002019-11-22T22:05:35.372-08:00Time to Pop the Question - Engage With Consumers Maturing UBI Into a Mass Market Proposition.<div id="article-content" style="color: #333333; font-family: "avenir next", arial, "helvetica neue", helvetica, sans-serif; font-size: 12px;">
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<span style="background-color: white;">Usage-Based Insurance or UBI is at the embryonic stage and has a long way to go before turning into the norm of insurance. With that being said, there is no denial that UBI will become the future of auto insurance. While it has already started laying the foundation, the question still remains: How is UBI going to appeal to consumers? How is it going propel into a mass market proposition?</span></div>
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<span style="background-color: white;">Usage-Based Insurance, as the name suggests, has two popular auto insurance models - pay as you drive and pay how you drive. The pay-how-you-drive model uses advanced telematics technology, where driving data as detailed as a hard brake or rapid acceleration can alter insurance premiums. Such detail-oriented system can change not just insurance but reform driving completely. Focusing on the USPs of Usage-Based Insurance can most definitely attract the auto insurance market.</span></div>
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<b style="background-color: white;">Pay How You Drive</b></div>
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<span style="background-color: white;">Initially, driving information was captured for the purpose of investigating accidents or insurance claims. However, the need arose to take this technology a step further leading to the initiation of pay how you drive. The implementation of this model requires capturing driving data in real-time - calculating every rapid acceleration and hard brake, average speeds, frequency of driving, usage information like locations, parking, etc. and combining them with historical data to draft an insurance plan and allocate premium values.</span></div>
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<b style="background-color: white;">Pocket-Friendly</b></div>
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<span style="background-color: white;">Any initiative that can save money will appeal to the mass market. With an economy that is as rough as sailing through the Bermuda Triangle, consumers are constantly looking for avenues to that can cut costs. Usage-based model of insurance combines telematics, analytics and shared data to calculate an insurance policy that does not burn the pocket. Insurance premiums are decided based on this data. For instance, if the policyholder does not use his vehicle much and is a very careful driver, his insurance premium will be relatively less.</span></div>
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<span style="background-color: white;">Even insurance agencies benefit from this model. In the event of a car crash, for example, telematics can capture real-time driving data and determine how the accident exactly took place and what damage was done avoiding fraudulent claims and reducing the risk of losses.</span></div>
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<b style="background-color: white;">Incentive-based System and Customizable Features</b></div>
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<span style="background-color: white;">A cautious driver pays far lesser than a reckless one. However, improvement in driving does not go unrewarded. Who does not love rewards and perks! UBI uses an incentive-based system to encourage better driving. If the insured improves his driving style, his premium amounts are bound to reduce.</span></div>
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<span style="background-color: white;">Apart from that, insurance providers offer other customized features that differ from one insurer to another. These features can include driving tips, roadside assistance, Geo-fencing, location information like fuel stations, eateries, etc.</span></div>
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<b style="background-color: white;">Conditioned to Drive Safely</b></div>
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<span style="background-color: white;">B.F. Skinner had conducted an experiment to study the effects of rewards and incentives. He put a guinea pig in a box that has a lever fitted inside. Every time the guinea pig pressed the lever a food pellet would fall out. The number of times the guinea pig pressed the lever in a day increased gradually. This behavior modification through a reward system is called operant conditioning. Humans yield to rewards as well. This principle has been used in various fields of education, human resource management, marketing, etc. and generated good results.</span></div>
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<span style="background-color: white;">UBI inculcates this principle in its incentive-based model to encourage people to drive safely. Not only does this model save money for both the insurer and the insured but also encourages better-quality driving - a win for all stakeholders.</span></div>
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<b style="background-color: white;">Challenges</b></div>
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<span style="background-color: white;">There are a few concerns that need to be addressed. Privacy issues top the list, as people are concerned about divulging details of their whereabouts. The other concern is regulating the method of collecting data so that clients can transfer their data to another insurance provider and avail benefits without having to start from scratch.</span></div>
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<span style="background-color: white;">UBI is still at the infancy stage, and thus these concerns will be addressed in the course of time. However, these challenges outweigh the benefits that UBI has to offer.</span></div>
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<span style="background-color: white;">These are UBI's competitive advantages that can drive UBI into a mass market proposition. It is essential to educate the masses on how UBI can transform the auto insurance into a system that is profitable for all parties and socially responsible. Insurers can use this tool not only for offering insurance solutions, but also for marketing purposes through consumer engagement features. The policyholders will pay as they drive which can result in better driving.</span></div>
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<span style="background-color: white;">Usage-Based Insurance is a multifaceted system of reduced costs, customer engagement and inspiration for responsible driving. The ultimate outcome of UBI will be the contentment of insurance providers, their respective clients, and the society at large</span></div>
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<span style="background-color: white;">Xemplar's intuitive and cost-effective mobile application provides insurers and customers with an integrated, full-featured telematics experience. It's not just another "app for that". Geolocation tools, speed and mileage trackers, traffic alerts, and plenty more allow insurance carriers to measure customer driving stats in real time, all while linking insurer rating engines and broker back-office systems to create quick and convenient processing. Thus, Xemplar telematics system helps significantly reduce your operating and capital costs, increases your revenue, and engages with customers on a regular basis. for more information on Usage-Based Insurance visit us at <a href="http://www.xemplartelematics.com/" rel="nofollow" style="color: #610000;" target="_blank">http://www.xemplartelematics.com</a></span></div>
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<span style="background-color: white;">Article Source: <a href="https://ezinearticles.com/expert/Sud_Gover/2254163" style="color: #610000;">https://EzineArticles.com/expert/Sud_Gover/2254163</a></span></div>
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<span style="background-color: white;"><span style="color: #333333; font-family: "avenir next" , "arial" , "helvetica neue" , "helvetica" , sans-serif; font-size: 12px;"><br /></span><span style="color: #333333; font-family: "avenir next" , "arial" , "helvetica neue" , "helvetica" , sans-serif; font-size: 12px;">Article Source: http://EzineArticles.com/9526950</span>x</span></div>
EDITOR http://www.blogger.com/profile/07319488602091031976noreply@blogger.comtag:blogger.com,1999:blog-2520736924479309145.post-8844062721790349482019-10-29T06:09:00.001-07:002019-11-22T22:05:31.035-08:00Gain Efficiency Through Claims Investigation Services.Importance of Claims Investigation<br />
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Underwriting and claims investigations are the two most imperative perspectives in the working of an insurance company. In the current commercial environment where competitiveness and financial gains stand as vital business cornerstones, claims investigation can serve as a market differentiator that puts insurance agencies at the front line of industry leadership and innovation.<br />
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To be effective, insurers need to enhance the operational productivity of their claims processing and assemble a working model that can minimize claims costs and also dispense the unnecessary expense associated with managing real as well as fraudulent claims.<br />
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Numerous insurance providers have varied claims operations, personnel and units that concentrate on the products and services (non-life and life) they offer to people or on various business sectors. This model frequently brings about gigantic claims operations with notable unit designs, system infrastructure and procedures for every market or line of business. In addition, in high-volume or exceptionally complex operations, fraud, waste and abuse claims are the ones that distress the insurance companies the most. It is here that the process of claims investigation works wonders, and helps insurers gain efficiency in their day-to-day operations.<br />
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Understanding Claims Investigation<br />
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The Claims Investigations process is one in which Insurance Companies, Insurance Examiners, or Investigators get data to assess a claim. Thus, it might require examining documents, finding witnesses, going talking with individuals, assessing property, for example, vehicles, accident sites to give some examples. Further, these investigations may lead to taking photographs, video, finding witnesses, talking with the victims, claims managers and much more. In doing so, insurance companies are looking for able partners that can deliver all the services of the claims investigation process, and this leads to the need of a Third Party Administrator who can work in tandem with the insurance providers to settle the claims and give valuable suggestions.<br />
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Various Forms Of A Potentially Fraud Claim<br />
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Fraud is a general term used to portray an act of deceit by an individual or group. This act of deceit can come in various configurations. For instance, insurance investigators attempt to uncover the individuals who make false claims with a specific end goal to get insurance money. Likewise, intellectual fraud occurs when fake items are passed off or sold as originals. Mortgage fraud happens when some person has adulterated the paperwork to ensure a loan goes through. Since each of the aforementioned claims fall in the fraudulent claims category, then having a certified claims investigation agency can only gain efficiency in each and every step of claims adjudication.<br />
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As you must be aware of the fact that fraud is a gigantic issue that costs insurance companies billions of dollars each year. In such a scenario having a trusted insurance claims investigation partner can very well leverage the workload of in-house working staff of an insurance company. And with integrated platforms and digitized reports can present you with real-time information on every claim investigated.<br />
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Following these points can help evaluate the claims investigation service quality parameters, and check how well it suits your business.<br />
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Inniti Alliance provides professional Claims management services focusing on policy administrations, claims analytics and management which timely investigates, comprehensive evaluations & fair determinations. Our team is adept at it's work, allowing a quick turnaround time with no compromise on quality of service.<br />
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Article Source: https://EzineArticles.com/expert/Harshal_K/2358168<br />
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Article Source: http://EzineArticles.com/9585690EDITOR http://www.blogger.com/profile/07319488602091031976noreply@blogger.comtag:blogger.com,1999:blog-2520736924479309145.post-8157824955803907032019-10-29T06:08:00.001-07:002019-11-22T22:05:22.739-08:00The Benefits of Insurance to Individuals and Organisations.Insurance is actually an arrangement which a company or a state undertakes to provide the guarantee of a specific amount of compensation to the person or entity for a specified loss, damage, illness or death in return for a specific amount of premium that is paid by the person monthly.<br />
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There are mainly four types of insurance policies:<br />
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• Life Insurance: it is a type of insurance that is done to provide financial security for the entire family in the event of the policy holder's death.<br />
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• Health Insurance: it is basically a type of insurance where monetary support is provided for any serious health related issues to the policy holder or his family.<br />
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• Property insurance: this type of insurance covers the policyholder in the event of damage to his property by fire or any other means.<br />
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• Auto Insurance: your car is too precious to you, so if it is stolen or damaged you will need a huge amount of money. This auto insurance will pay the policy holder's repairing costs.<br />
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But before you buy any insurance you must know all the benefits of that insurance. Insurance benefits the individual or any organization in many ways.<br />
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Some of them have been discussed below.<br />
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• The most important benefit of security is the payment of the losses that one faces. An insurance policy is a contract that is used to minimize the losses faced by the individual.<br />
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• It manages the cash flow uncertainty. Insurance provides the payment of for the covered losses. Therefore the problem for paying out of the pocket is resolved.<br />
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• Insurance complies with the legal assessments. Insurance meets the contractual requirements and also provides the legal evidence for the organization or the person to claim for the refund or losses.<br />
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• A very important benefit of the insurance policies is its measures for promoting risk control activity. Insurance provides all kinds of incentives to implement a loss control program.<br />
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• An uncommon benefit of security is the support it provides for the policy holder's credits. Insurance gives loans to individuals and organizations by guaranteeing that the lender will be paid the whole compensation if the loan amount or the property is destroyed.<br />
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• Insurance provides all kinds of the source to the investment funds. All the Insurance collect a specific premium from the policyholder and invest them in various schemes and pay the claims if they occur.<br />
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• Insurance also helps in reducing the social burden of the victims by giving them compensation.<br />
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To know more about Insurance Quotes Oklahoma, please check our website.<br />
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Article Source: https://EzineArticles.com/expert/Achal_Mehrotra/1934376<br />
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Article Source: http://EzineArticles.com/9665193EDITOR http://www.blogger.com/profile/07319488602091031976noreply@blogger.comtag:blogger.com,1999:blog-2520736924479309145.post-58587796927786992302019-10-29T06:07:00.002-07:002019-11-22T22:05:15.654-08:00Vacant Land Insurance Claims That Tell You Need Coverage.Of course the vacant property owner needs insurance coverage! The insurance companies will emphatically tell you about all the liability risk - general, as well as bodily harm and property damage perils that exist in an unoccupied home, building or lot. But don't take a blanket statement about it at face value until you view for yourself some very real claims examples. For your information, the professional agents bring you these land scenarios!<br />
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Vacant Land<br />
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• A downtown area vacant lot owner had a protective chain-link gate constructed around the property. As time progressed, however, age and weather conditions took their toll on the encasement. The fence was not in the best of condition anymore when a passerby suffered an eye injury as a result of a protruding chain link. The lawsuit ended with the insurance policy taking the brunt of defense costs and out-of-court mediation that resulted in a $350,000 payout.<br />
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• A pedestrian slipped on the sidewalk that ran next to a vacant lot. Her injury consisted of a broken hip. The women alleged that the leaves that had fallen onto the sidewalk from the lot were the cause of her misfortune. An insurance claim settlement was reached at $200,000. This included the $16,000 reserved for defense expenses.<br />
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• A motorcycle rider was struck by a car. Following the auto accident, the responsible party filed a lawsuit against the neighboring vacant lot owner, alleging that the posted lot sign's hid his view of traffic. It was determined that the signs had no effect on the cause of collision. Related expenses came to $7,500.<br />
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• A man riding a bike around a fenced-in vacant lot hurt himself on a broken part of the property fence that stuck out. After filing a suit, the man received $45,000 for damages. The policyholder's insurance also paid $20,000 for legal expenses. Ultimately, however, an award appeal resolved the issue. Payout included $30,000 with defense expenses paid by the coverage.<br />
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• Sitting directly next to a public sports' field was a vacant lot. Though sports fans parked their cars and trucks on the public property, an incident involving a dead branch of a tree located on the adjacent private vacant lot occurred. With three workers' cars damaged, a claim was forthcoming that resulted in $12,000 compensation.<br />
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• Teenage juveniles unlawfully used their free time to smoke on a vacant lot, causing a brush fire. The fire soon swept across the property, torching neighboring homes. The vacant land owner was held partially liable and responsible for damages and property replacement cost totaling $6,500.<br />
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Article Source: https://EzineArticles.com/expert/M_Wyzanski/2158115<br />
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Article Source: http://EzineArticles.com/9604353EDITOR http://www.blogger.com/profile/07319488602091031976noreply@blogger.comtag:blogger.com,1999:blog-2520736924479309145.post-75062077644923832482019-10-28T13:54:00.001-07:002019-11-22T22:05:08.230-08:00Young People ‘Do Not Know How To Use Their Money.<br />
Young people who leave school and head to university or lag often do not know the best way to benefit from money. According to the Personal Finance Education Group (pfeg), this could give them several loans in the future from loans and credit cards.<br />
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The charity says that the youth realize that going to college will be an expensive process and they are more likely to get out of debt in the form of loans, which will help them to try to reduce their savings and expenses for a year. “Young people now find that they will suffer significant financial losses in the years following the age of 18,” said Alastor Matthews, policy director at pfeg.<br />
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According to Dan, the decision to attend university should be part of the financial education taught in secondary schools. Fague suggests that in-class discussion between the benefits of going straight to university or availing after high school can be useful, allowing for consideration of issues related to finance and lending – whether personal loans, online loans or By other means -. Matthews suggested that some universities take leave after a year to prepare themselves financially, which could mean that their level of credit in the later years after graduation requires a loan to be loaned. They require less debt to control.<br />
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“Young people should be more prepared for the future by getting more financial education while still in school. Part of this financial education can address many of these questions:” Best to spend these years between 18 and 21 What is the method? “Mr. Matthews said.<br />
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Pfeg’s policy director said that going to university brings a lot of pressure and pressure on individuals when it comes to financial management, with so-called real-world experience taking special responsibility for money for the first time. According to Mr. Matthews, the idea of a long-term financial situation is part of this: “At university, they have to live independently and make all kinds of decisions about future needs as well as purchases, expenses and savings for current needs. Have to take.<br />
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Recent research by NatWest has shown a tendency to look at gaps per year to fund university life, with 54 percent considering staying a year away from school to save some money. According to NatWest data, school graduates are scheduled to earn £ 212 million in the last 12 months before going to university.<br />
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In early October, Abhay noted that about one-third of the students who started university in 2007 were doing so without any form of insurance to protect their assets. The financial services provider found that the average student takes 3,300 pounds of property and equipment with them to university, suggesting that the cost of replacing these items not covered by insurance can be very high and even Quick loans may also be required.<br />
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Source: https://EzineArticles.com/expert/Steve_A_Smith/113050<br />
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Source: http://EzineArticles.com/802590EDITOR http://www.blogger.com/profile/07319488602091031976noreply@blogger.comtag:blogger.com,1999:blog-2520736924479309145.post-59695146884577461412019-10-28T13:53:00.001-07:002019-11-22T22:04:54.483-08:00Loans Are An Essential Tool For Britons.<br />
Those who have received a loan or any other type of loan should take the time to think about their ability to manage their finances, an industry expert has commented.<br />
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Lisa Taylor, an analyst at Moneyfacts, pointed out that personal loans and different types of loans have become more popular in recent years as they have helped consumers manage their finances through various peaks and their spending has declined. And have given them permission to do purchases which they have not been able to do. In addition, Ms. Taylor stressed that when used “wisely” products such as credit cards and loans can be “great balancing act.”<br />
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However, the price comparison representative advised borrowers, if possible, to make more than the minimum repayment on their loans or they would find that their loan difficulties were increasing as the loan repayment took longer to complete. Noting that the minimum level of payment has fallen, as well as the impact of five higher interest rates since August 2006, the number of Britons is on the rise to see the time they spend repaying their loans , Is being distributed “over a much longer period”. With only a small amount each month, Ms. Taylor suggested that some consumers may not cover the interest bill due to their lending.<br />
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“During the last generation, we have moved on from an era where it was difficult to get credit, where people were big enough to make big purchases and where many people lived within their means, where we now make credit an essential Looks to meet many costs to use as a tool to make daily life and the most expensive purchases, but instead of managing our cash flow, our income Depending on the plastic filler, it is easy to see that some people face to be searched, which loans Omar in the credit cycle.<br />
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Accordingly, analyst Moneyfacts.co.uk stated that borrowers needed to “control”. Ms. Taylor pointed out that by offering more than the minimum repayment every month on personal loans and credit cards, consumers can “close their loan years.” I have suggested that establishing a standing order can help people manage their level of wealth more effectively because if their account can be adjusted to a level every month where they feel comfortable .<br />
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For those wishing to meet their expenses, competitively looking for a cheap loan can be a good option to borrow money. However, after taking a loan, consumers should carefully plan their funds and feel that they should be in a position to fulfill repayment requests. Earlier this year, Susan Hanams, director of savings at AWD Chase de Vere, claimed that although borrowing through personal loans and credit cards is an attractive option for many consumers, it needs to be “completely justified” Is where they need to remember that they will end up paying their credits. It also advised those who struggle with managing their funds to obtain professional guidance as soon as possible.<br />
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Tom Dawson writes about basic home loans [http://www.essentiallyhomeloans.co.uk/]. Our visitors can apply for secured loans online [http://www.essentiallyhomeloans.co.uk/secured-loans.html], for any reason and for any credit history. Visit us today [http://www.essentiallyhomeloans.co.uk/] for the best loan rates available.<br />
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Source: https://EzineArticles.com/expert/Tom_Dawson/111710<br />
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Source: http://EzineArticles.com/771633EDITOR http://www.blogger.com/profile/07319488602091031976noreply@blogger.comtag:blogger.com,1999:blog-2520736924479309145.post-68834536265526779502019-10-27T11:17:00.001-07:002019-11-22T22:04:49.692-08:00How International Banking Works.<div style="background-color: white; border: 0px; box-sizing: inherit; color: #555555; font-family: Domine, Arial, Helvetica, sans-serif; font-size: 13px; margin-bottom: 12px; outline: 0px; padding: 0px; vertical-align: baseline;">
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To become a master of international banking, you must be aware of international transactions before you can explore the available financing options. It is also necessary that the bank’s negotiation rate on an international platform is also necessary. There are many financial trading products for companies that trade on international borders.<br />
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One of these is a letter of credit that helps the seller ensure that payment has been made. On receipt of this letter from the bank, the exporter receives confirmation that the importer will make the payment. This way the bank guarantees payment. If the importer fails, the bank intervenes and pays the amount, for unexpected reasons, to meet the conditions and an agreement on payment. This is where the issuer makes a risk-free transaction by following these terms and conditions.</div>
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Any international bank should have complete knowledge of all details of international finance. There are some companies that prefer to use banks that issue letters of credit online. This is a way to speed up the transaction as the exporter is able to get the letter of credit immediately, so the goods can now be delivered to the importer as the bank has guaranteed payment and hence unnecessary delays in the export and import process. The reason is not.</div>
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International funding is very important because one wants to ensure that they have favorable conditions available. The bank in which the transaction takes place must allow one of the financing options available for export. In most cases, international banks are preferred for many reasons such as offshore banks. Many avoid tax, which is necessarily illegal but one is always aware of the risks that come with international banks. Should be</div>
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Source: https://EzineArticles.com/expert/Jim_Johannasen/551290</div>
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Source: http://EzineArticles.com/4207049</div>
EDITOR http://www.blogger.com/profile/07319488602091031976noreply@blogger.comtag:blogger.com,1999:blog-2520736924479309145.post-80932044643996450592019-10-27T11:15:00.001-07:002019-11-22T22:04:45.055-08:00Increase Noted In Warwickshire’s Financial Problems.<div style="background-color: white; border: 0px; box-sizing: inherit; color: #555555; font-family: Domine, Arial, Helvetica, sans-serif; font-size: 13px; margin-bottom: 12px; outline: 0px; padding: 0px; vertical-align: baseline;">
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Consumers in an area in the West Midlands are facing increasing financial problems, it has been revealed.</div>
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According to a Coventry tailgate report, according to the Warwickshire Citizens Advice Staff, the county has seen a significant increase in the number of people seeking help from personal loans, overdrafts and other forms of lending in recent months. In general, this increase was largely attributable to consumers with higher credit levels on credit cards and storage, resulting in an “indirect effect” that consumers had to struggle to meet other requests for their finances, such as Mortgage repayments, and utility bills and home improvement loans.</div>
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The company’s findings also show that consultants working in the north of the province are working with clients with unsecured loans of around £ 3.3 million. Meanwhile, Royal Lamington Spa, South Warwickshire – in an area generally called more wealthy than in the north of the county – has received £ 14,000 through loans and other forms of lending to the average person seeking assistance from civilian advice. Is outstanding. The results also showed that in the last one year, city employees have entered into agreements with customers for a total of EGP 750,000.</div>
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Meanwhile, in Newton and Bedworth, the number of people seeking help in their finances increased by a quarter during the summer, with another “significant” increase in debt difficulties this fiscal. “We’ve run off our feet. I think people are coming back from their holidays and the holiday is over now,” said David Gooding, Area Manager at the Counseling Division at Congre Walk in Bedworth.</div>
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Coventry has also been seen as a surgeon among those struggling to repay debt and other demands on their finances, with the West Midlands seeing a 32 percent increase in recent months looking for help with their debt. In one case, a man in his 70s sought help from an advisory service after holding loans of up to £ 50,000 through personal loans and multiple credit cards.</div>
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As a result, the individuals concerned may wish to remain in a precarious position to repay the money owed to them to obtain a debt consolidation loan. Earlier in 2007, Julia Dalimore, director of marketing at Pictured Financial, stated that choosing debt consolidation may be a desirable option for those struggling to take on debt as a result of funds maturing for individual creditors. Thus, by combining loans, overdrafts, credit and other plastic cards into lower monthly repayments, consumers will be able to save a lot of money.</div>
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“For people in this situation, saving a lot of money every month and getting everything in one place is a priority,” she told the BBC. At the same time, Ms. Delmore stressed that although credit management has become a way of life for many Britons, most lenders are able to handle their debts effectively.</div>
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Steve Smith writes about 1 Stop Finance Shop. One-stop shop for all your bad debts [http://www.1stopfinanceshopuk.biz/bad-credit/index.html], debt consolidation loans [http://www.1stopfinanceshopuk.biz/debt_sonsolidation.html] and personal Loan [http: / / www.1stopfinanceshopuk.biz/Real.Visit Today</div>
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Source: https://EzineArticles.com/expert/Steve_A_Smith/113050</div>
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Source: http://EzineArticles.com/732414</div>
EDITOR http://www.blogger.com/profile/07319488602091031976noreply@blogger.comtag:blogger.com,1999:blog-2520736924479309145.post-58365249114941743962019-10-27T11:11:00.002-07:002019-11-22T22:04:39.548-08:00The Basics of Savings As Classroom Material.<br />
I was discussing some personal finance issues with a coworker that day, and he told me something I already knew. It was just an eye opener to say someone else.<br />
<br />
“If I only knew a lot about these things as a child, I would have been better,” he told me.<br />
<br />
Okay, isn’t it?<br />
<br />
Then he said something that has never happened to me before. And he continued,<br />
<br />
“They should make these things for all the children in the classroom, that way, we won’t have to worry about them.”<br />
<br />
<br />
At first, it sounded so ridiculous, but the more I thought about it, the more logical it was.<br />
<br />
How do i see it Our country has the worst federal deficit in history. Some say that our country is on the verge of bankruptcy due to this. Although the figures are improving, the average American simply remains in debt. Amazingly, they are satisfied to do so. Can you imagine how much better our “economic” situation in the world would be if we didn’t have much debt?<br />
<br />
On a more personal level, how much bargaining power do we all have that we were not much in debt? Achieving a better credit score means lower interest rates on cars and homes, better jobs and a host of other things.<br />
<br />
However, where did all these problems start with debt? I think you can say that the basic issue is parents and upbringing. Parents who do not know the defects of religiosity or have not effectively informed their children.<br />
<br />
But what if a large part of this education is an essential part of the school curriculum?<br />
<br />
I think this can easily be included in the class schedule required for children. Whenever I think about it, this is what I found:<br />
<br />
Primary school – I didn’t start thinking about logistics to do it, but here you will learn about the basics – how to open a savings account, maybe how to make interest work, etc.<br />
<br />
High School – I can remember many of the “blasting” classes I attended in high school, and I’m sure the category “Fundamental of Funding” or “Your Money, Your Life” can easily adapt. Here, you are very concerned about the risks of credit card debt, and whether, in fact, the effects (short term and long term) that can occur on you, and so on.<br />
<br />
College – Again, I can miss a lot of my “core” classes for college so that I don’t need it, again, to easily accommodate some kind of funding or money class. I think you are following the credit card debt issue, but you may also be familiar with the basics of investing. For example, what is 401K, Roth IRA etc.<br />
<br />
For me, the core elements of personal finance are so important that I should not put them on the shoulders of parents. He has many other important responsibilities. Well, I think many of them are not qualified to teach their children properly about it. I am saying put it in the school system and let’s see our country to improve one child at a time …<br />
<br />
Want to learn more tips and strategies on influencing and improving your personal economy? Visit my personal finance blog http://yourfinances101.com/blog<br />
<br />
There you can see my recently published book, “Don’t Be the Mule: A Logical Guide to Saving More, Spending Less, and Generating Extra Income in Your Daily Life.”<br />
<br />
Source: https://EzineArticles.com/expert/David_Bakke/207558<br />
<br />
Source: http://EzineArticles.com/4218859EDITOR http://www.blogger.com/profile/07319488602091031976noreply@blogger.comtag:blogger.com,1999:blog-2520736924479309145.post-62465067888803107502019-10-27T09:57:00.000-07:002019-11-22T22:04:26.111-08:00IDLC Finance (Quick and hassle free financing)<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="color: #555555; font-family: "domine" , "arial" , "helvetica" , sans-serif;"><span style="font-size: 13px;"> </span></span><span style="color: #38761d; font-family: "arial" , "helvetica" , sans-serif;">House loan for NRB</span><span style="color: #38761d; font-family: "arial" , "helvetica" , sans-serif;"> from IDLC Finance</span></div>
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">If you are a Non-Resident Bangladeshi (NRB) and dream of proudly owning a home again in Bangladesh, you may have reached the correct situation. <i>IDLC Finance</i> is the right place to get real your satisfaction.</span></span></span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: #38761d;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Home</span> Loan from IDLC Finance</span></span></h2>
<span style="color: #444444;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">IDLC Finance now provides complete safety to its home loan borrowers. Now house loans debtors <b>of IDLC finance</b> can avail existence coverage protection an identical to</span></span></span></span><br />
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<span style="color: #444444;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">D</span>welling loan @ 9% P.A.</span></span></span></span></div>
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<span style="color: #444444;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">This scheme is designed for middle and cut down center classification shoppers to buy or construct new condo for own dwelling with within the area of 6 metropolis corporation </span></span></span></span><br />
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<span style="color: #444444;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">The leading residence loans provider in the country presents you the most convenient home loans to fit your wants. With so many appealing advantages, the house you continuously wanted is not a dream.</span></span></span></span></div>
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<span style="color: orange;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Advantages</span></span></span></span></span><br />
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"></span></span></span><br />
<ul><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">
</span></span></span>
<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Equal consideration for all purposes regardless of any professions </span></span><span style="font-family: "arial" , "helvetica" , sans-serif;">and supportive service both before and after disbursement</span></span></span></span></li>
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<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Alternative to opt for both constant or Variable fee of interest</span></span></span></span></span></li>
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">
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<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Loan sanction within shortest feasible time and in addition before starting construction of the building or purchase of the condo</span></span></span></span></span></li>
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">
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<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Early pre-payment choice either in part or full with easy stipulations</span></span></span></span></span></li>
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">
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<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Income tax rebate on every year curiosity fee on residence loan up to Tk 2 million</span></span></span></span></span></li>
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">
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<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Municipality conserving tax rebate</span></span></span></span></span></li>
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">
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<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Maximum loan delivering to Non Resident Bangladeshi (NRB)</span></span></span></span></span></li>
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">
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<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Aggressive curiosity expense and cut down prices</span></span></span></span></span></li>
</ul>
<h3>
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: #38761d; font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Home</span> L<span style="font-family: "arial" , "helvetica" , sans-serif;">oan</span> to be had FOR</span></span></h3>
<ul>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Purchase of apartment/ house/ business space/ accepted housing plots</span></span></li>
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<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Building of residential/ commercial constructing</span></span></li>
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<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Renovation or extension of residential condominium</span></span></li>
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<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">House equity mortgage in opposition to mortgage of property</span></span></li>
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<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Residence mortgage under Bangladesh financial institution Refinancing Scheme (@ 9% p.A.)</span></span></li>
<span style="color: #444444;"><span style="font-size: large;">
</span></span></ul>
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<h3>
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: #38761d; font-family: "arial" , "helvetica" , sans-serif;">ELIGIBILITY</span></span></h3>
<div>
<ul>
<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif;">You are eligible if you are:</span></span></span></span></li>
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">
</span></span></span>
<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif;">25 years and above however not greater than 60 years of age</span></span></span></span></li>
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">
</span></span></span>
<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Incomes regularly from a sustainable source of employment or trade</span></span></span></span></li>
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">
</span></span></span>
<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif;">causes AFFECTING YOUR mortgage amount</span></span></span></span></li>
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">
</span></span></span>
<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif;">The dwelling loan quantity is determined by your reimbursement capacity. A number of motives are equivalent to month-to-month internet disposable income, age, qualifications, price of the immovable property, quantity of loved ones members and dependants, month-to-month expense, different constant duties, nature of job / industry and financial savings addiction are taken into issues.</span></span></span></span></li>
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">
</span></span></span>
<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Residential intent: 70% of the purchase rate together with registration cost or eighty% of the construction price of residential apartment.</span></span></span></span></li>
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">
</span></span></span>
<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Business cause: 70% of the purchase price including registration price.</span></span></span></span></li>
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">
</span></span></span>
<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Loan time period</span></span></span></span></li>
</ul>
</div>
<span style="font-family: "arial" , "helvetica" , sans-serif;"></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"></span><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhgNN0xWTLZd6ih3s9c-BzzO2c43ihD7VUJt7vtF66EU0Bml_9zO-DrZoP1FLYPnYj0QKcIQmpGux5KRxmIZnV9YCcSrF5G1Opc21MI3fY7p8iBbaEHjt5Qxh9M10jCF0LmkZJKEDYmjorO/s1600/IDLC-Finance-02.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="IDLC Finance" border="0" data-original-height="387" data-original-width="580" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhgNN0xWTLZd6ih3s9c-BzzO2c43ihD7VUJt7vtF66EU0Bml_9zO-DrZoP1FLYPnYj0QKcIQmpGux5KRxmIZnV9YCcSrF5G1Opc21MI3fY7p8iBbaEHjt5Qxh9M10jCF0LmkZJKEDYmjorO/s1600/IDLC-Finance-02.jpg" title="IDLC Finance" /></a></div>
<span style="font-family: "arial" , "helvetica" , sans-serif;"></span><br />
<h2>
<span style="font-family: "arial" , "helvetica" , sans-serif; text-align: left;"><span style="color: #38761d;">LOAN TERM</span></span></h2>
</div>
<div class="MsoNormal">
<span style="color: #444444;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Commercial Purpose: For any profession, maximum 7 years</span></span></span><br />
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></div>
<div class="MsoNormal">
<h4 style="text-align: left;">
<span style="color: #444444;"><span style="color: #38761d; font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><b>REPAYMENT MODE</b></span></span></h4>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">The entire loan to be repaid by Equated Monthly Installments
(EMI)</span></span><br />
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<h4 style="text-align: left;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="color: #38761d;">SECURITY</span></span></span></h4>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Mortgage of the property itself or any other equivalent
security acceptable to IDLC Finance.</span></span><br />
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">INTEREST RATE & FEES</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">We offer you a competitive interest rate and low fees. We
set individual rates on the basis of a customer’s financial status, amount
borrowed and repayment terms. Please contact any of our branch offices for
current rate & fees.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">PROPERTY INSURANCE</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Mortgaged asset should have fire or earth quake insurance by
any IDLC Finance nominated insurance company.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">HOW TO APPLY</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Just feel free to call or visit any of our branch offices
and collect the home loan application form free of cost. Our officers are
waiting to serve you. Just visit our office or call today !</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<div>
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #0b5394;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">DOCUMENTATION REQUIRED</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br />
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">a. Employed</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"></span></span></div>
<ul style="text-align: justify;">
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Recent passport
size photo, copy of National ID Card and Bio data</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Latest salary
slip/salary certificate</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Bank statement for
one year</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Statements of
assets with copies of evidence</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Evidence of other
income (if any)</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">CIB Application
Form</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Allotment
agreement with developer/ owner</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Money receipts of
amount already paid to developer/owner</span></span></li>
</ul>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">b.<span style="color: #134f5c;"> Self Employed</span></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<ul style="text-align: justify;">
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Recent passport
size photo, copy of National ID Card and Bio data</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Tax assessment
paper for last 3 years (Tax return & Assessment order)</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Profit & Loss
account and Balance sheet of business for last 3 years</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Evidence of
presents work in hand and value</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Bank statement for
the last one year</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Statement of
assets with copies of evidence</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Evidence of other
income (if any)</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">CIB Application
Form</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Allotment
agreement with developer/owner</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Money receipts of
amount already paid to developer/owner</span></span></li>
</ul>
<div class="MsoNormal" style="text-align: justify;">
<h3 style="text-align: left;">
<span style="color: #0b5394;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="color: #38761d;">POST DISBURSEMENT SERVICES</span></span></span></h3>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Income Tax Certificate to enable you to claim the tax
benefits is given to you free of cost.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">If you are a Non-Resident Bangladeshi (NRB) and dream of
owning a home back in Bangladesh,
you have reached the right place. With an <a href="http://mortgage-loan-bd.blogspot.com/2016/08/home-loan.html" target="_blank">IDLC finance Home Loans </a>you can buy an
apartment or build a house, extend or renovate a house or buy approved housing
plot to build a house.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">We have been a part of a 10 years journey in the real estate
financing arena with more than four thousand customers. IDLC finance offers maximum
loan amount and terms for NRB customers and extend all possible cooperation to
fulfill their dream to build up asset in their home land. Our home loan
marketing and sales officers are ready to give you the time tested advice that
suits your requirements.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Be it legal documentation, project or builder approvals, and
technical advice, we look forward to sharing with you and this service is
absolutely free.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<div>
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Our project approval facility provides our customers the
comfort of purchasing properties from builders who have complied with all basic
documentation.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjqffCrdYM3M-0JXreOxpJwo21avaNM5K4-qjSUXkDL0_hggdLcTXxj91JQxhON5n1kvb8VZoXz8vqCzbOSHabisXmusHf_3wXy7J1biF4sRnbiYmq4dQDSGIZLOOHwXgxg10vvMPTMNEl4/s1600/IDLC-Finance-03.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="IDLC Finance" border="0" data-original-height="277" data-original-width="580" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjqffCrdYM3M-0JXreOxpJwo21avaNM5K4-qjSUXkDL0_hggdLcTXxj91JQxhON5n1kvb8VZoXz8vqCzbOSHabisXmusHf_3wXy7J1biF4sRnbiYmq4dQDSGIZLOOHwXgxg10vvMPTMNEl4/s1600/IDLC-Finance-03.jpg" title="IDLC Finance" /></a></div>
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">PROPERTY SELECTION</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">You can either select the property by yourself when you are
in the country or by your nominated local keens / representatives. You may
always seek for our expert opinion before selection of your property from any
developers.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">DOCUMENTATION REQUIRED</span></span></div>
<ul style="text-align: justify;">
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">One copy recent
passport size photograph</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Latest salary
slip/salary certificate showing all deductions.</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Employment-contract</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Photo copy of the
passport with evidence of arrival at port of entry, visa stamped pages.</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Residency permit
or latest work permit (if applicable)</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Copy of continuous
discharge certificate (CDC) for merchant mariners</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Overseas and local
bank account statements for last 12 months.</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Tax papers for
last three years duly attested by Bangladesh Embassy</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Bio data and family
background.</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Company
Profile/Brochure/ Web Mail Address</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="mso-spacerun: yes;">P</span>ower of Attorney
(POA) to a Bangladeshi resident as per IDLC’s format. POA will also provide
Personal Guarantee to the loan (Attachment)</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Personal guarantee
from an employed Bangladeshi local resident (age below 50) as per IDLC’s
format.</span></span></li>
</ul>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">For the above document in a language other than English,
please get it translated into English and attested by the Bangladesh Embassy.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><a href="http://mortgage-loan-bd.blogspot.com/2016/08/home-loan.html" target="_blank">IDLC Finance</a> now provides complete protection to its home loan
borrowers. Now home loans borrowers of <a href="http://mortgage-loan-bd.blogspot.com/2016/08/home-loan.html" target="_blank">IDLC Finacne</a> can avail life insurance coverage
equivalent to the amount of the outstanding home loan.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Home Loan Shield is a specially designed Group Life
Insurance Scheme, which protects your family in your unfortunate death. The
shield takes over the outstanding principal amount of your home loan with <a href="http://mortgage-loan-bd.blogspot.com/2016/08/home-loan.html" target="_blank">IDLC </a></span></span><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><a href="http://mortgage-loan-bd.blogspot.com/2016/08/home-loan.html" target="_blank"><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Finance</span></span></a>
thus protecting your beloved family from burden of repayment.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<h3 style="text-align: left;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="color: #38761d;">BENEFITS</span></span></span></h3>
</div>
<ul style="text-align: justify;">
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Borrower’s family
is secured from loan burden at the unfortunate death of main earner of the
family</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Lowest possible
single premium</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Hassle free
coverage merely on declaration (up to certain age limit)</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Free of cost
medical examination from recognized hospitals (cost will be borne by the
borrower only when application is turn down by the insurer)</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Proportion return of premium for early loan
foreclosure</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Financing of the
premium is also available (IDLC </span></span><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Finance </span></span>will provide, if required)</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Income Tax relief
on premium payment</span></span></li>
</ul>
<div class="MsoNormal" style="text-align: justify;">
<h3 style="text-align: left;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="color: #38761d;">SALIENT FEATURES</span></span></span></h3>
</div>
<ul style="text-align: justify;">
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">IDLC </span></span><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Finance </span></span>will be the
master policyholder of the Group Life Insurance and you will get a certificate
as a member of the scheme.</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Upfront single
insurance premium is fixed based on borrower’s age, loan tenure and outstanding
principal amount.</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">The insurance
coverage ranges from Taka 200,000/- to Taka 10,000,000/-.</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Insurance coverage
of Tk. 1,000,000/- and Tk. 750,000/- will be granted merely on declaration of
your good health when your age is between 20-40 and 41-45 respectively. Except
for above, medical examination is required.</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Borrower gets
minimum 50% to maximum 100% of the home loan coverage under the scheme.</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">This coverage will
be on a single borrower only. In case of joint loan, the main income earner can
become a member of the scheme.</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">The insurance
coverage will start from the very first day of loan disbursement.</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">This scheme is
open to all <b>IDLC </b></span></span><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><b><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Finance</span></span> home loan</b> customers between the ages of 20 to 55 years. The
maximum age at maturity should not exceed 60 years.</span></span></li>
</ul>
<div class="MsoNormal" style="text-align: justify;">
<h3 style="text-align: left;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="color: #38761d;">HOW TO APPLY</span></span></span></h3>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Just complete the “Insurance Application Form” (attached
with Home Loan Application Form) and hand it over to the dealing officer at
IDLC’s any branch from where you are taking your loan along with a copy of your
age proof.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<h4 style="text-align: left;">
<span style="color: #444444;"><span style="color: #38761d; font-family: "arial" , "helvetica" , sans-serif; font-size: large;">HOW TO CLAIM</span></span></h4>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">In the event of your unfortunate demise, your nominee will
have to:</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<ul style="text-align: justify;">
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Inform us within 7
days of the event</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Provide us with
information and/ or documentation to establish the fact, date, circumstances
relating to and cause of the event</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Co-operate with
and assist <b>IDLC<span style="font-family: "arial" , "helvetica" , sans-serif;"> </span></b></span></span><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><b><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Finance</span></span></b> in any investigation undertaken by the insurance company</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Provide evidence
in support of the claim at the request of <b>IDLC </b></span></span><b><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Finance</span></span></b></li>
</ul>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">This scheme is designed for middle and lower middle class
customers to purchase or construct new apartment for own dwelling with in the
area of 6 city corporation areas (Dhaka, Chittagong, Rajshahi, Khulna, Sylhet,
Barishal) and municipality areas of Tongi, Gazipur, Savar and Narayangonj.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<div>
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
</div>
<div class="MsoNormal" style="text-align: justify;">
<h3 style="text-align: left;">
<span style="color: #444444;"><span style="color: #38761d; font-family: "arial" , "helvetica" , sans-serif; font-size: large;">ELIGIBILITY</span></span></h3>
</div>
<ul style="text-align: justify;">
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Applicant’s
Monthly gross income is with in Tk. 50,000/-</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Applicant”s those
who have no house/ apartment either in their name or their spouse/ children’s
name in the areas specified above</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Applicant’s those
who have not yet availed home loan from any bank/ financial institutions</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">For salaried
applicants, officially those who have no employee housing loan scheme or those
have so but still not avail the facilities are eligible for this loan</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">The property
itself will be kept mortgaged as security</span></span></li>
</ul>
<div class="MsoNormal" style="text-align: justify;">
<h3 style="text-align: left;">
<span style="color: #38761d;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="color: #38761d;">FEATURES</span></span></span></h3>
</div>
<ul style="text-align: justify;">
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Maximum loan
amount is Tk. 2,000,000/-</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Maximum loan term
is 20 years</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">The insurance
coverage ranges from Taka 200,000/- to Taka 10,000,000/-.</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Maximum size of
apartment is 1250 sft.</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Moratorium period
is 1 year</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Entire loan can be
disbursed with in one year from the date of first disbursement</span></span></li>
</ul>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<div>
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Q. How do you determine the loan amount?</span></span></div>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Based on your applied amount and submitted documents
supporting your income, we would assess your repayment capacity. Your repayment
capacity would determine the amount of loan you are eligible for. However, the
loan amount will not exceed the 70% of the purchase price including
registration and also 80% of the construction cost of the dwelling house.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<div>
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Q. How much would be the installments?</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Installment is determined based on acquisition cost and loan
term. Monthly installment is most common, however, quarterly payment can also
be considered only for corporate and developer’s finance.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Q. How to apply for loan?</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">You are required to fill the prescribed application form of
IDLC </span></span><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Finance</span></span> available at free of cost at any pf our branch offices and submit it with
required supporting document. You need to pay application fee through account
payee cheque in favor of <b>IDLC FINANCE LTD</b>. while submitting the application. On
receipt of your application duly completed, <b>IDLC </b></span></span><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><b><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Finance</span></span></b> would make necessary
inquiries/ investigation and convey its decision to you.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Q. What would be the security against the loan?</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Mortgage of the property concerned is usually the security.
However, you may also offer other securities acceptable to <i>IDLC </i></span></span><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><i><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Finance</span></span></i>.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<div>
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Q. Can anyone repay the loan ahead of schedule?</span></span></div>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">You can repay the loan either in part or full ahead of
schedule after payment of at least six installments with a minimum repayment
charge.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<div>
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Q. How to apply home loan as a Non Resident Bangladeshi
(NRB) applicant?</span></span></div>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Please see the Home Loans for NRB</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<div>
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Owning car is no longer a luxury anymore; rather it is a
useful investment that improves your quality of life. The family car is
increasingly becoming a vital part of our everyday life. With <b>IDLC Car Loan</b>,
you can own your own car and add excitement to your life.</span></span></div>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<div>
<span style="color: #444444;"><span style="color: #38761d; font-family: "arial" , "helvetica" , sans-serif; font-size: large;">BENEFITS</span></span></div>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Loan sanction within 72 hours of application receipt*</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">An opportunity to finance both brand new and re-conditioned
cars</span></span></div>
<ul style="text-align: justify;">
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">No security</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">No personal guarantee</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Competitive interest rate</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Expert advice on car market conditions</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Dedicated and supportive service both before and after
disbursement</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Partial or full prepayment option with minimum charges</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Provided that all required documents have been provided to
<b>IDLC </b></span></span><b><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Finance</span></span></b></li>
</ul>
<div class="MsoNormal" style="text-align: justify;">
<h4 style="text-align: left;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="color: #38761d;">ELIGIBILITY</span></span></span></h4>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">You are eligible if you are:</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">A salaried executive or professional or a businessman</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Between 22 and 60 years of age</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Minimum monthly income of Tk. 25,000/- (this will include
income of spouse in case of joint application)</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<div>
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">A minimum of two (2) years of service</span></span></div>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">A resident of Dhaka or Chittagong</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<div>
<b><span style="color: #444444;"><span style="color: #38761d; font-family: "arial" , "helvetica" , sans-serif; font-size: large;">LOAN AMOUNT</span></span></b></div>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">We provide maximum assistance to fulfill your requirement.
We are ready to finance both brand new and re-conditioned cars. You can avail
car loan from Tk 200,000/- to Tk. 4,000,000/- or 70% of the value of your car
(including registration cost), whichever is lower. If you are ready to provide
50% of the car value as cash deposit with <b>IDLC </b></span></span><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><b><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Finance</span></span></b>, you will enjoy a special rate
for your entire car loan.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<div>
<h2>
<span style="color: orange;"><span style="color: #38761d; font-family: "arial" , "helvetica" , sans-serif; font-size: large;">PREPAYMENT TERMS</span></span></h2>
</div>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">With our attractive car loan package, you are able to repay
the loan according to your convenience. Choose a maximum of 60 months to repay
the loan for your brand new car or re-conditioned car</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<h2 style="text-align: left;">
<span style="color: orange;"><span style="color: #38761d; font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><b>DOCUMENTATION REQUIRED</b></span></span></h2>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><b style="font-family: Arial, Helvetica, sans-serif;">Employed</b></span></span></div>
<ul style="text-align: justify;">
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">One recent copy of passport size photo, National ID card and
Bio data</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Application form (properly filled up)</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Employment confirmation form (properly filled up)</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Price quotation from the vendor</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">CIB undertaking form (properly filled up)</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Latest salary slip/salary certificate</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Personal bank statements for last 12 months</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Rental income/other income documents</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Documents supporting other fixed assets</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Documents supporting liquid assets</span></span></li>
</ul>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><b>Self Employed</b></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<ul style="text-align: justify;">
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">One recent copy of passport size photo, National ID card and
Bio data</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Tax assessment paper for last 3 years</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Profit & Loss account and Balance sheet of business for
last 3 years</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Company bank statements for last….months</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Memorandum & Articles of Association with form Xll of
the company</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Trade license</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Price quotation from the vendor</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Non Resident Bangladeshi (NRBs)</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">One recent copy of passport size photo and Bio data</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Photocopy of the passport with evidence of arrival of port
of entry, visa stamped pages</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Employment contract</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Residency permit/work permit</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Latest work permit</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Overseas bank statements for last 12 months months</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Tax papers for last three years</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Utility bills copy</span></span></li>
</ul>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Q. Do we finance second hand car?</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">No, we do not.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<div>
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Q. Will only the loan amount be insured?</span></span></div>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">No, insurance will be on the total value of the car.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<div>
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Q. What can be the latest manufacturing year for a
reconditioned car?</span></span></div>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Loan term can not be extended beyond 8 years from the manufacturing
year.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<div>
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Q. Do <b>IDLC </b></span></span><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><b><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Finance</span></span> </b>accept joint registration?</span></span></div>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">No we do not accept joint registration.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<div>
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Q. Who will pay the ownership transfer fee after settlement
of the loan?</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Customer will bear the ownership transfer fee.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<div>
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Q. Do we accept Third Party Insurance coverage?</span></span></div>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">No, we accept only First Party insurance coverage.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<div>
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Q. Is there any chance of prepayment?</span></span></div>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Partial prepayment option is available. The amount of
partial prepayment will have to be at least 20% of the outstanding loan or Tk
100,000, which ever is higher.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<div>
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Q. Is there any difference between declared and effective
rate?</span></span></div>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">No, there is no difference.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<div>
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Q. What is the average processing time?</span></span></div>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Generally 3- 4 days after submission of application and all
required docs.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<div>
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Small Business is a loan facility designed to finance small
scale trading, manufacturing and service ventures, especially to help small and
medium entrepreneurs …</span></span></div>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<h2 class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="color: #38761d; font-family: "arial" , "helvetica" , sans-serif; font-size: large;">
<span style="color: orange;">Small Business Loan (IDLC Finance)</span></span></span></h2>
<div class="MsoNormal" style="text-align: justify;">
<h4 style="text-align: left;">
<span style="color: #444444;"><span style="color: #38761d; font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><b>Medium Business</b></span></span></h4>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">SME-Mid segment offers mid and longer term financial solutions
to a wide rage of clienteles who are in their journey to emerge as promising
corporate houses …</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<h2 style="text-align: left;">
<span style="color: orange;"><span style="color: #38761d; font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Women Entrepreneur Loan</span></span></h2>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Women Entrepreneur Loan “is a loan facility for small and
medium sized business, which are operated by women entrepreneurs. The product …</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<h4 style="text-align: left;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="color: #38761d;">Factoring</span></span></span></h4>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Factoring of Accounts Receivable is a mode of financing
receivables arising out of supply of goods or delivery of services on credit.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<h2 class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="color: #38761d; font-family: "arial" , "helvetica" , sans-serif; font-size: large;">
<span style="color: orange;">SME Loan (IDLC Finance)</span></span></span></h2>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Small Business is a loan facility designed to finance small
scale trading, manufacturing and service ventures, especially to help small and
medium entrepreneurs to meet their short-term cash flow shortages and bridge
the fund-flow gaps.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<h4 style="text-align: left;">
<div>
<span style="color: #444444;"><span style="color: #38761d; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Eligibility</span></span></span></div>
</h4>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Entrepreneurs with minimum 2 years experience in the same
line of business</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Business must be a going concern with at least 2 years in
operation</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Loan Limit:<span style="mso-spacerun: yes;"> </span>From BDT
3 lac to BDT 75 lac</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Key Features</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Loan without any collateral up to BDT 15 lac</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">For partly cash security loan up to BDT 35 lac</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Loan for Working Capital Finance and/or Lease finance for
business</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Borrower having loan with other financial institute can also
avail Small Business</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Convenient repayment options of Equated Monthly Instalment
and Customized Repayment Schedule</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Quick, quality door step customer service</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<h3 class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="color: #38761d; font-family: "arial" , "helvetica" , sans-serif; font-size: large;">
<span style="color: orange;">ABASHAN Loan</span></span></span></h3>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">“ABASHAN” is loan facility for small business that will
construct or already have permanent structure for commercial rent (popularly
known as mess rent) located surrounding the industrial areas and EPZs across
the country.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: orange;"><span style="color: #38761d; font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><b>Eligibility</b></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<div>
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Entrepreneurs with minimum 1 year experience in the same
line of business</span></span></div>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Business must be a going concern with at least 1 year in
operation</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Monthly income from rental and other sources must be minimum
TK. 50,000</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<div>
<h2>
<span style="color: orange;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Loan Limit</span></span></h2>
</div>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">From BDT 3 lac to BDT 20 lac</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br />
<i><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Key Features</span></span></i></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Loan without any collateral up to BDT 15 lac</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<div>
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Borrower having loan with other financial institute can also
avail Abashan Loan</span></span></div>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Convenient Equated Monthly <span style="font-family: "arial" , "helvetica" , sans-serif;">Installment</span> repayment system</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #0b5394;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Quick, quality door step customer service</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<div>
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Women Entrepreneur Loan is a loan facility for small and
medium sized business, which are operated by women entrepreneurs. The product
offers terminating loan facilities for the purpose of working capital finance
and/or fixed assets purchase.</span></span></div>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: orange;"><span style="color: #38761d; font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><b>Eligibility</b></span></span><br />
<div>
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div>
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Entrepreneurs with minimum 2 years experience in the same
line of business</span></span></div>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Business must be a going concern with at least 2 years in
operation</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<h2>
<span style="color: orange;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Loan Limit</span></span></h2>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">From BDT 3 lac to BDT 50 lac</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<i><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Interest Rate</span></span></i></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">@ 10% Lowest interest rate in the market</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: lime;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Key Features</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<ul style="text-align: left;">
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Loan without any collateral up to BDT 15 lac.</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Loan for Working Capital Finance and/or Lease finance for
business</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Borrower having loan with other financial institute can also
avail Loan</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Convenient repayment options of Equated Monthly Installment
and Customized Repayment Schedule </span></span></li>
</ul>
</div>
<div class="MsoNormal" style="text-align: justify;">
<h3 style="text-align: left;">
<div>
<span style="color: #38761d;"><span style="color: #38761d; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Quick, quality door step customer service</span></span></span></div>
</h3>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<div>
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">SME-Mid segment offers mid and longer term financial
solutions to a wide range of clienteles who are in their journey to emerge as
promising corporate houses in near future. Our portfolio comprises of various
private limited companies, partnership and proprietorship concerns with
promising business opportunities. We offer a range of financial services which
includes, but not limited to-</span></span></div>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<h2 class="MsoNormal" style="text-align: justify;">
<span style="color: orange;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="color: #38761d;">Lease Financing</span></span></span></h2>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Asset backed financing against industrial <span style="font-family: "arial" , "helvetica" , sans-serif;">machinery</span>,
commercial <span style="font-family: "arial" , "helvetica" , sans-serif;">equipment's</span>, office <span style="font-family: "arial" , "helvetica" , sans-serif;">equipment's</span>, generators, vehicles, vessels,
engines, etc.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Financing may be extended up to 100% of the cost</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Flexibility regarding security/collateral issues.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Usually for a tenure of 2 to 5 years</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Repayment through monthly rentals</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Rentals may be equal or structured (step-up, step-down,
bullet, etc.)</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Legal ownership remains in the name of <b>IDLC </b></span></span><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><b><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Finance</span></span> </b>throughout lease
period</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Ownership is transferred to the client at the end of term</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<h2 style="text-align: left;">
<span style="color: orange;"><span style="color: #38761d; font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Sale & Lease Back</span></span></h2>
</div>
<div class="MsoNormal" style="text-align: justify;">
<b><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">IDLC </span></span></span></b><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><b>Finance</b> </span></span></span>Financing against any of the existing (already
procured/in-use) industrial <span style="font-family: "arial" , "helvetica" , sans-serif;">machinery</span>, commercial <span style="font-family: "arial" , "helvetica" , sans-serif;">equipment s</span>, office <span style="font-family: "arial" , "helvetica" , sans-serif;">equipment's</span>, generators, vehicles, vessels, engines, etc.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">The ownership of the asset comes to <b>IDLC </b></span></span><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><b><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Finance</span></span></b> at the point of
financing</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Financing may be extended up to 100% of the written down
value (cost net of depreciation) depending on the condition of the machine</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Usually for a tenure of 2 to 5 years depending on original
date of purchase and current condition of the asset</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Repayment through monthly rentals</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Rentals may be equal or structured (step-up, step-down,
bullet, etc.)</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Ownership is transferred to <b>IDLC Finance</b> at the time of financing
and remains in the name of <b>IDLC </b></span></span><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><b><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Finance </span></span></b>throughout lease period</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Ownership is re-transferred to the client at the end of term</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<h2 class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="color: #38761d; font-family: "arial" , "helvetica" , sans-serif; font-size: large;">
<span style="color: orange;">Term Loan (IDLC Finance)</span></span></span></h2>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">For meeting various regular capital/fixed expenditures like
balancing of production line, modernization of manufacturing process, expansion
of capacity and space, etc.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<ul style="text-align: justify;">
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Usually for a tenure of 1½ to 5 years</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Repayment through monthly installments</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Installments may be equal or structured (step-up, step-down,
bullet, etc.)</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Flexibility regarding security/collateral issues.</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Project Financing – Fixed cost</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">For setting up of a new unit as addition to the existing
product line and capacity, a new concern of an existing group, a new Joint
Venture project of an existing company, etc.</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Required debt-equity ratio is maintained</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Financial solution for the entire project may be provided
through mix of different financial tools from wide range of services offered by
<b>IDLC Finance</b>.</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Lease/Loan tenure varies based on product type. For fixed
assets financing, financing tenure may prolonged up to 6 years</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Deferred repayment structure is available depending on
financial product</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Bridge Financing</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">For meeting the funding requirements of the borrower for any
interim period</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Usually for shorter term</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Generally through bullet payments</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Deferred repayment structure is available depending on
financial product</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Refinancing of Existing Liabilities</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">For matching the repayments with cash flows, allowing some
more time for repayment, releasing working capital limits (which got exhausted
due to meeting capital expenditures using short term credit lines) refinancing
of existing good quality liabilities is made</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Terms and repayments are similar to those of term loans</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Long Term Finance for Real Estate Developers</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Financing to developers for meeting the capital
expenditures/construction costs of any specific real estate project, both
residential and commercial </span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">A debt-equity ratio is maintained</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Disbursements are usually made in phases with progress of
construction work</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Tenure of loan can be up to 6 years depending on nature of
the project</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Repayment can be made every quarter or month through equal
or structured installments</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Loan to corporate houses to procure commercial space</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Financing to corporate clients for procuring
office/commercial space</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Loan term may extend up to 6 years, depending on the
feasibility.</span></span></li>
</ul>
<div class="MsoNormal" style="text-align: justify;">
<div>
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Repayment can be made every quarter or month through equal
or structured installments</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">SME-Mid segment offers mid and longer term financial
solutions to a wide range of clienteles who are in their journey to emerge as
promising corporate houses in near future. Our portfolio comprises of various
private limited companies, partnership and proprietorship concerns with
promising business opportunities. We offer a range of financial services which
includes, but not limited.</span></span></div>
<h2 class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="color: #38761d; font-family: "arial" , "helvetica" , sans-serif; font-size: large;">
<span style="color: orange;">Lease Financing from IDLC Finance</span></span></span></h2>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><b>IDLC Finance</b> in <span style="font-family: "arial" , "helvetica" , sans-serif;">a</span>sset backed financing against industrial <span style="font-family: "arial" , "helvetica" , sans-serif;">machinery</span>,
commercial <span style="font-family: "arial" , "helvetica" , sans-serif;">equipment's</span>, office <span style="font-family: "arial" , "helvetica" , sans-serif;">equipment</span>, generators, vehicles, vessels,
engines, etc.</span></span></div>
<ul style="text-align: justify;">
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Financing may be extended up to 100% of the cost</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Flexibility regarding security/collateral issues.</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Usually for a tenure of 2 to 5 years</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Repayment through monthly rentals</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Rentals may be equal or structured (step-up, step-down,
bullet, etc.)</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Legal ownership remains in the name of <b>IDLC Finance</b> throughout lease
period</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Ownership is transferred to the client at the end of term</span></span></li>
</ul>
<div class="MsoNormal" style="text-align: justify;">
<h2 style="text-align: left;">
<span style="color: orange;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="color: #38761d;">Sale & Lease Back</span></span></span></h2>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Financing against any of the existing (already
procured/in-use) industrial <span style="font-family: "arial" , "helvetica" , sans-serif;">machinery</span>, commercial equipments, office <span style="font-family: "arial" , "helvetica" , sans-serif;">equipment</span>, generators, vehicles, vessels, engines, etc.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<div>
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">The ownership of the asset comes to <i>IDLC Finance</i> at the point of
financing</span></span></div>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Financing may be extended up to 100% of the written down
value (cost net of depreciation) depending on the condition of the machine</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Usually for a tenure of 2 to 5 years depending on original
date of purchase and current condition of the asset</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Repayment through monthly rentals</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Rentals may be equal or structured (step-up, step-down,
bullet, etc.)</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Ownership is transferred to IDLC Finance at the time of financing
and remains in the name of <b>IDLC Finance</b> throughout lease period</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Ownership is re-transferred to the client at the end of term</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<h2 style="text-align: left;">
<span style="color: orange;"><span style="color: #38761d; font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Term Loan</span></span></h2>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">For meeting various regular capital/fixed expenditures like
balancing of production line, modernization of manufacturing process, expansion
of capacity and space, etc.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<ul style="text-align: left;">
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Usually for a tenure of 1½ to 5 years</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Repayment through monthly installments</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Installments may be equal or structured (step-up, step-down,
bullet, etc.)</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Flexibility regarding security/collateral issues.</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Project Financing – Fixed cost</span></span></li>
</ul>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">For setting up of a new unit as addition to the existing
product line and capacity, a new concern of an existing group, a new Joint
Venture project of an existing company, etc.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Required debt-equity ratio is maintained</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Financial solution for the entire project may be provided
through mix of different financial tools from wide range of services offered by
<a href="http://www.idlc.com/index.php" rel="nofollow" target="_blank"><i>IDLC Finance</i></a>.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjzlNlMhDk3eFdqRtSKFoENxCFOAGpo7be65W4DIrJrOSLy2ggmzish66gyQ49UByfLdhDn1kCb3PwBQ32714Vkdi3KCT65m2oFdpy6Yn179_lY0_ZFzRmvaihsZPBUxdH5ws2NTTi7vrik/s1600/IDLC-Finance-04.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="IDLC Finance" border="0" data-original-height="305" data-original-width="580" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjzlNlMhDk3eFdqRtSKFoENxCFOAGpo7be65W4DIrJrOSLy2ggmzish66gyQ49UByfLdhDn1kCb3PwBQ32714Vkdi3KCT65m2oFdpy6Yn179_lY0_ZFzRmvaihsZPBUxdH5ws2NTTi7vrik/s1600/IDLC-Finance-04.jpg" title="IDLC Finance" /></a></div>
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<span style="color: #444444;"><span style="font-size: large;"></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<ul style="text-align: left;">
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Lease/Loan tenure varies based on product type. For fixed
assets financing, financing tenure may prolonged up to 6 years</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Deferred repayment structure is available depending on
financial product</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Bridge Financing</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">For meeting the funding requirements of the borrower for any
interim period</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Usually for shorter term</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Generally through bullet payments</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Deferred repayment structure is available depending on financial
product</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Refinancing of Existing Liabilities</span></span></li>
</ul>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">For matching the repayments with cash flows, allowing some
more time for repayment, releasing working capital limits (which got exhausted
due to meeting capital expenditures using short term credit lines) refinancing
of existing good quality liabilities is made</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Terms and repayments are similar to those of term loans</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Long Term Finance for Real Estate Developers</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Financing to developers for meeting the capital
expenditures/construction costs of any specific real estate project, both
residential and commercial</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<h3 style="text-align: left;">
<span style="color: orange;"><span style="color: #38761d; font-family: "arial" , "helvetica" , sans-serif; font-size: large;">A debt-equity ratio is maintained</span></span></h3>
</div>
<div class="MsoNormal" style="text-align: justify;">
<ol style="text-align: left;">
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Disbursements are usually made in phases with progress of
construction </span><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">work</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Tenure of loan can be up to 6 years depending on nature of
the project</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Repayment can be made every quarter or month through equal
or </span><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">structured
installments</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Loan to corporate houses to procure commercial space</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Financing to corporate clients for procuring
office/commercial space</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Loan term may extend up to 6 years, depending on the
feasibility.</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Repayment can be made every quarter or month through equal
or structured installments</span></span></li>
</ol>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Factoring of Accounts Receivable is a mode of financing
receivables arising out of supply of goods or delivery of services on credit.
This revolving short term financing facility enables the suppliers/ service
providers to realize the maximum portion of the payment soon after the delivery
is made to the buyer. In addition to financing, factoring offers value added
services like:</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<ul style="text-align: left;">
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Sales ledger administration</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Follow up and physical collection of payments</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Monthly reporting</span></span></li>
<li><span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Who can Avail Factoring</span></span></li>
</ul>
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Factoring is available to all industries that provides
services or deliver products to corporate entities i.e. institutional buyer/
debtor. As a rule of thumb:</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Your business must sell to a credit worthy debtor/buyer on a
regular basis</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">A receivable/ invoice/ bill that can be verified or has an
acceptance by the institutional buyer/debtor</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Having multiple institutional buyers/ debtors is even better</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Services Offered</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Generally, <b>IDLC Finance</b> provides the Client/Suppliers with the
following services:</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Up-front Financing: Financing is made as soon as the
Client/Supplier makes the supply and submits the received copy of the bill/
invoice to IDLC.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Follow-up & Physical Collection of Payment: The Factor
follows up collection in a structured process and ensures physical collection
of payment from Buyers located at different geographical locations.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Reporting: The Factor provides detailed reports of the Sales
Ledger that are very helpful for the Client/Supplier’s management decision
making.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #444444;"><span style="font-size: large;"><br /></span></span>
<span style="color: #444444;"></span></div>
<div class="MsoNormal">
<div style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Advisory Services: Assist the Client/ Supplier by making
suggestion about the credit rating of a Buyer and thus enable the Client/
Supplier to fix proper credit limit for each Buyer.</span></span></div>
<br />
<br />
<br />
<h3 class="med _kk _wI" style="text-align: left;">
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Unknownnoreply@blogger.comtag:blogger.com,1999:blog-2520736924479309145.post-1377690371632074412017-03-25T06:17:00.000-07:002019-11-22T22:04:19.513-08:0021 Authoritative guide to Excel loan Calculator<div dir="ltr" style="text-align: left;" trbidi="on">
<div id="loancalc">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwmBSyJ3XVDSsXZ_mjYzH1vIeS7TPG4gGYIH4FKY7JdNl0GNk0irWbLGe-44_XncodEdAgBFuQX1wi9whPu6iiW84I4VXDrTBPEOexeXMKvBwQ6ANFjZSUi7jL92sFlXpB0Per2JnFxSiY/s1600/loan-calculator.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img alt="loan calculator excel" border="0" data-original-height="853" data-original-width="750" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwmBSyJ3XVDSsXZ_mjYzH1vIeS7TPG4gGYIH4FKY7JdNl0GNk0irWbLGe-44_XncodEdAgBFuQX1wi9whPu6iiW84I4VXDrTBPEOexeXMKvBwQ6ANFjZSUi7jL92sFlXpB0Per2JnFxSiY/s200/loan-calculator.jpg" title="loan calculator excel" width="175" /></a></div>
Microsoft Excel Spreadsheet is a big breakthrough that could understand and calculate loan factors in the industry of Banks as well as all money market. <a href="https://templates.office.com/en-US/Mortgage-Loan-Calculator-TM10000110">Excel Loan Calculator</a>, lets you to calculate loan repayments and create amortization tables without extensive knowledge of <a href="https://products.office.com/en/excel">Microsoft Excel</a> financial functions. It's graphical interface allows you to analyze various type of loan amounts, interest rates, loan terms, etc. to determine the best possible loan and interest rate.
<br />
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<h2>
<a href="http://www.excel-easy.com/vba/examples/loan-calculator.htmlhttp://www.excel-easy.com/vba/examples/loan-calculator.html">How to excel loan calculator</a> save your money?</h2>
</div>
</div>
<br />
<ul class="square">
<li><a href="https://www.blogger.com/blogger.g?rinli=1&pli=1&blogID=2520736924479309145#loancalculator01">Uses of Loan calculator</a></li>
<li><a href="https://www.blogger.com/blogger.g?rinli=1&pli=1&blogID=2520736924479309145#loancalculator02">Calculate Loan Payments</a></li>
<li><a href="https://www.blogger.com/blogger.g?rinli=1&pli=1&blogID=2520736924479309145#loancalculator03">Calculate Loan Costs</a></li>
<li><a href="https://www.blogger.com/blogger.g?rinli=1&pli=1&blogID=2520736924479309145#loancalculator04">Excel loan calculator</a></li>
<li><a href="https://www.blogger.com/blogger.g?rinli=1&pli=1&blogID=2520736924479309145#loancalculator05">Calculate interest rate on a loan </a></li>
<li><a href="https://www.blogger.com/blogger.g?rinli=1&pli=1&blogID=2520736924479309145#loancalculator06">What is amortization?</a></li>
<li><a href="https://www.blogger.com/blogger.g?rinli=1&pli=1&blogID=2520736924479309145#loancalculator07">How Amortization Works</a></li>
<li><a href="https://www.blogger.com/blogger.g?rinli=1&pli=1&blogID=2520736924479309145#loancalculator08">Loan Amortization Calculator</a></li>
<li><a href="https://www.blogger.com/blogger.g?rinli=1&pli=1&blogID=2520736924479309145#loancalculator09">Loan Amortization Schedule</a></li>
<li><a href="https://www.blogger.com/blogger.g?rinli=1&pli=1&blogID=2520736924479309145#loancalculator10">What is annual percentage rate (APR)?</a></li>
<li><a href="https://www.blogger.com/blogger.g?rinli=1&pli=1&blogID=2520736924479309145#loancalculator11">How to Calculate Annual Percentage Rate APR</a></li>
<li><a href="https://www.blogger.com/blogger.g?rinli=1&pli=1&blogID=2520736924479309145#loancalculator12">Annual percentage rate calculator (APR calculator)</a></li>
</ul>
<div class="read-more">
<a href="https://www.blogger.com/apr.html">Download loan calculator</a></div>
Amazing loan calculator that Works quickly<br />
<div class="infobox">
Microsoft <strong>Excel loan calculator</strong> is a great way to calculate monthly loan cost, payoff, loan amortization, annual percentage rate, interest rate and related all other payments.</div>
An advance is an agreement between a borrower and a moneylender in which the borrower gets cash which he is committed to pay back with interest to the lender called loan. When approved/received a home loan, mortgage loan, bad credit loan, personal loan need to calculate monthly installments, monthly/yearly rates, costs and Microsoft <strong>Excel loan calculator</strong> can be one of the best practice for all of this calculation. <br />
<a href="https://en.wikipedia.org/wiki/Microsoft_Excel">Microsoft Excel spreadsheet</a> is a powerful Microsoft windows program that has built in formula can calculate loan components or can be used as a loan calculator. Excel Spreadsheets one of the necessary part in the everyday business operations of small or big companies.<br />
Excel spreadsheets prove to be useful when you have to store, control, calculate, manage or presents your work or business relevant data. On the off chance that you truly need to work with the stray pieces, you can ascertain advance parts with an Excel spreadsheet.<br />
To understand of Excel Spreadsheets importance in your mind, when you are in the finance market, <strong>Microsoft Excel</strong> will be your easiest calculating tool in every calculation. Conduct of money related field Excel is a given thing. We can deal with a lot of financial parameter in Excel spreadsheet whether it's a loan or a payroll system or figure out monthly rate using <strong>loan calculator</strong>.<br />
This allows you to easily run 'what if' scenarios by changing only one cell of the spreadsheet. The pages below are designed loan calculator to calculate loan costs, rates for mortgages loan, <a href="https://mortgage-loan-bd.blogspot.com/2016/08/idlc-finance.html">home loan</a>, <strong>bad credit loan</strong>, <em>personal loan</em> but you can customize and adjust for other loan types as well.<br />
<h2 class="blockquote1">
Excel Formulas and its dynamic function used to calculates various loan programs.</h2>
Though the Excel Spreadsheet we will be covering <a href="https://www.blogger.com/mortgage-loan-bd.blogspot.com/2017/03/loan-calculator.html">excel loan calculator</a>. This will give you quick result. Other hand using this article you can calculate loan costs, payments yourself using Excel formulas.<br />
<h2 class="blockquote1">
<a href="https://www.blogger.com/null" name="loancalculator01"></a><a href="https://www.blogger.com/mortgage-loan-bd.blogspot.com/2017/03/loan-calculator.html">Uses of loan calculator</a></h2>
Getting a loan, lender will never give you all the figure of costs. You have to calculate and figure out all costs your own. A loan or <strong><a href="https://mortgage-loan-bd.blogspot.com/2016/01/how-does-second-mortgage-work-2d.html">mortgage loan</a></strong> plays a vital role to improve your business. That's why you will use <strong>loan calculator</strong> to calculate loan payments, costs and payoff schedules to figure out how much the loan really costs to borrow. So you have to need a <em>loan calculator</em>. In this circumstance Excel spreadsheet loan calculator is the tool can help you. <br />
<h2 class="blockquote1">
<a href="https://www.blogger.com/null" name="loancalculator02"></a>Calculate Loan Payments using loan calculator</h2>
As a smart business person getting a loan a common initial step is to calculate monthly loan installments, monthly rates, yearly rate etc. It will improve your business and its make impact in your revenue. Loan amount, <strong>interest rate</strong> and duration of pay back are the substance to calculate loan payment. <strong>Loan calculator</strong> calculates your loan costs or how much you have to pay back and you can know your total benefit or loss. <br />
<div class="warning-box">
Monthly payment <em>loan calculator</em> (to calculate loan payment see amortization table)<br />
Loan calculator to figure out monthly interest rate</div>
<h2 class="blockquote1">
<a href="https://www.blogger.com/null" name="loancalculator03"></a>Calculate loan costs using <strong>excel loan calculator</strong></h2>
Borrowing money from any lender like bank or any other financial institution they will get back their loan with fees, interest and many other charges. You may know the loan cost but its demand to re-check and figure out all payments.<br />
<div class="note-box">
Sometimes low interest rate loan is not a perfect finance for improve a business. Annual percentage rate (APR) also play a role in any loan. Understanding APR, interest rate, fee will help you to get the best business and higher profit. A dependable guideline is that the less damage can overcome by high transaction fees that last a long time.
</div>
<div class="pullquote-left">
<strong><a href="https://www.blogger.com/null" name="loancalculator04"></a>Excel loan calculator</strong></div>
<h2>
Excel mortgage loan calculator</h2>
<em>Excel Spreadsheet</em> has an extremely built in useful function for calculating your very own amortization schedule for a mortgage loan, home loan, personal loan or any kinds of loan. The functions are "PMT, PPMT, IPMT, DATE". All of these financial functions have been used to calculate the amortization schedule in the Excel mortgage loan calculator.
<br />
<div class="info-box">
In the Excel spreadsheet, select a cell and enter the following formula:<br />
<strong>=PMT(RATE,NPER,PV,FV,TYPE)</strong></div>
PMT formula calculates constant periodic payment for a loan with a constant interest rate. It's also can be used creating loan calculator.<br />
<ul>
<li>Rate defines periodical interest rate.</li>
<li>NPER defines total number of periods (monthly installments/ loan tenure) </li>
<li>PV defines principal loan amount</li>
<li>FV defines optional logic that fixes up the future value of the loan or present cash balance after last installments. This value will be null.</li>
<li>Type is an optional logic that calculates whether the installment is made at the end or start of the period. Its zero (numerical 0) count when the installment made end of the period and 1 count he installment made start of the period.</li>
</ul>
<h2 class="blockquote1">
Example: (<strong>Excel loan calculator</strong>)</h2>
<br />
<div class="info-box">
<strong>=PMT(RATE,NPER,PV,FV,TYPE)</strong></div>
Let's to calculate a monthly pay back of a home loan, we will do this using Excel's PMT function. This is a simple <strong>Excel loan calculator</strong>.<br />
The loan amount is $100000, term of the loan is 3 years and annual interest rate is 18%
<br />
<div class="math">
<strong>Here,</strong> <br />
</div>
<ul>
<li><strong>Interest rate</strong> = RATE</li>
<li><strong>Total Number of Periods</strong> = NPER</li>
<li><strong>Original loan amount (Present Value)</strong> = PV</li>
<li><strong>Future value</strong> = FV</li>
<li>The installment is going to be paid on the first day or last day of the month, if first day TYPE = 1, if last day of the month TYPE = 0</li>
<strong>Where,</strong>
<li><em>RATE</em> = 18%/12</li>
<li><strong>(Because of our annual rate 14% to get monthly rate need to divided by 12 to get the monthly rate)</strong></li>
<li><em>NPER</em> = 3 years = 36 months</li>
<li><em>PV</em> = 100000</li>
<li><em>FV </em>= 0</li>
<li><em>TYPE</em> = 0</li>
<strong>So the monthly payment is</strong>
<li><em>=PMT</em> (18%/12, 36, -100000, 0, 0)</li>
<li>= 3615.24</li>
</ul>
<strong>Result. The monthly payment is $3615.24</strong><br />
<div class="download-box">
Free download this loan calculator</div>
Using this simple <strong>loan calculator</strong> any borrower can figure out his monthly installment for his borrowed amount. <br />
<div class="note-box">
Note:<br />
We are calculating monthly payment and given rate is yearly rate. Getting monthly rate we are dividing yearly rate by 12 to get monthly rate and to get total months of repayment period multiplying total years by 12.</div>
Putting Present value (PV) is negative value because this amount is owed amount. <br />
<h2 class="blockquote1">
<a href="https://mortgage-loan-bd.blogspot.com/2016/01/buy-to-let-mortgage.html">Loan calculator for a mortgage loan</a></h2>
<h3>
<a href="https://www.blogger.com/null" name="loancalculator05"></a>Calculate interest rate on a loan</h3>
Calculate monthly and yearly interest rate on a <em>mortgage loan</em> (mortgage calculator)<br />
<div class="math">
<strong>Example: </strong>
</div>
<ul class="math">
<li><strong>=RATE (NPER,PMT,PV,FV,TYPE)</strong></li>
<li>= <em>RATE</em>(36,- 3615.24,100000,0,1)</li>
<li>=2% (its monthly rate, now multiply by 12 for annual rate)</li>
<li>= 2%*12</li>
<li>=18%</li>
</ul>
<br />
This simple <strong>loan calculator</strong> which can calculate yearly and monthly interest rate can be used for home loan, <strong><a href="https://mortgage-loan-bd.blogspot.com/2016/08/personal-loans-and-mortgages.html">personal loan</a></strong> and <em><a href="https://mortgage-loan-bd.blogspot.com/2017/01/loans-for-bad-credit.html">bad credit loan</a></em>. <br />
<h2 class="download-box">
Free download this loan calculator</h2>
<br />
<ul class="math">
<li><strong>What is amortization?</strong></li>
<li> <strong>How Amortization Works</strong></li>
<li><strong>Loan Amortization Calculator</strong></li>
<li><strong>Loan Amortization Schedule</strong></li>
</ul>
<br />
<h2 class="blockquote1">
<a href="https://www.blogger.com/null" name="loancalculator06"></a>What is Amortization?</h2>
Amortization is an easy way to calculation that refers to the evenly amortization depreciation out cost over a fixed timeframe. It also refers to the pay back in a fix time frame principal amount.
<br />
<strong>Loan amortization</strong> table have focus information that show you outstanding loan balance, principal payment, total repayment amount and interests. Loan calculator can be use for create loan amortization schedule. <br />
<h2 class="blockquote1">
<a href="https://www.blogger.com/null" name="loancalculator07"></a>How Amortization Works?</h2>
<a href="https://www.blogger.com/www.investopedia.com/terms/a/amortization_schedule.asp">Loan amortization schedule</a> have placed all information for a borrowed amount like principal amount, interest rate, monthly payment, starting balance and outstanding balance. <br />
If you want to know how lender applying interest rate in a fixed time frame loan amount, <strong>amortization loan calculator</strong> is extremely useful for you. Other hand getting a mortgage loan, home loan, personal loan or bad credit loan amortization table find you out which lender will choose? Amortization also figures the amount you'd save by paying off debt early. <br />
<h2 class="blockquote1">
<a href="https://mortgage-loan-bd.blogspot.com/2017/03/loan-calculator.html" target="_blank">Loan Amortization Calculator </a></h2>
Using loan calculator to amortize a loan, below the procedure:<br />
<ul class="math">
<li>1. Starting loan balance or Present Value: $22,000</li>
<li>2. Figure out monthly payment.</li>
<li>3. Figure out monthly interest rate.</li>
<li>4. Figure out principle amount.</li>
<li>5. Calculate outstanding balance.</li>
</ul>
We figures out monthly payment using loan amortization calculator for home loan.<br />
Let's think you are getting a home loan from a lender where your annual interest rate is 8%, loan term is 2 years and borrowed amount (present value) $5,000. We will figures out monthly payment.<br />
<div class="blockquote2">
In order to do this I'll use Microsoft Excel spreadsheet and the formula is PMT.</div>
So open Microsoft Excel and put the figure in to a <strong>Excel loan calculator</strong> as below.<br />
<ul class="math">
<li><em>Principle amount (pv)</em> = 5000</li>
<li><em>Annual interest rate (rate)</em> = 8%</li>
<li><em>Years (nper)</em> = 2 </li>
<li><em>Future value (fv)</em> = 0</li>
<li><em>Type</em> = 0</li>
<li><strong>= PMT (rate, nper, pv, fv, type)</strong></li>
<li>= $226.14</li>
</ul>
<strong>Your monthly payment is $226.14 </strong><br />
<div class="download-box">
Free download this loan calculator</div>
<h2 class="blockquote1">
<a href="https://www.blogger.com/null" name="loancalculator09"></a>Loan Amortization Schedule</h2>
Using Microsoft <strong>Excel loan calculator</strong> we will create a loan amortization schedule. Excel built in formula Like PMT, PPMT, IPMT used to create this loan calculator which can define loan amortization schedule. <br />
<h3 class="highlight-blue">
Loan calculator for create amortization table. </h3>
Step 1. Creating loan amortization schedule open a Microsoft Excel spreadsheet create fields as below images. I will use the PMT function to define the monthly payment on a loan where annual interest rate is 4%, 2-year duration and present value (amount borrowed) of $22,000. <br />
In order to do this I'll use Microsoft <strong>Excel loan calculator</strong> and the formula is PMT.<br />
So open Microsoft Excel and put the figure as below.<br />
<ul class="math">
<li><em>Principle amount (pv)</em> = $22000</li>
<li><em>Annual interest rate (rate)</em> = 4%</li>
<li><em>Years (nper)</em> = 2 </li>
<li><em>Future value (fv)</em> = 0</li>
<li><em>Type</em> = 0</li>
<li><strong>= PMT (rate, nper, pv, fv, type)</strong></li>
<li>= $955.35</li>
</ul>
<strong>Your monthly payment is $955.35</strong><br />
You can use this loan calculator to figure out any home loan, personal loan and bad credit loans monthly payment.<br />
<div class="download-box">
Free download this loan calculator</div>
Step 2. Now we will calculate using <strong>Excel loan calculator</strong> to figure out principle amount and formula is PPMT.
<br />
This simple <strong>Excel loan calculator</strong> can be use to figure out any home loan, personal loan, bad credit loans monthly principle amount.
<br />
<div class="download-box">
Free download this loan calculator</div>
Step 3. Now loan calculator will calculate monthly interest, formula is IPMT. <br />
<div class="download-box">
Free download this loan calculator</div>
This simple <strong>Excel loan calculator</strong> can be use to figure out any home loan, personal loan, bad credit loans monthly interest.<br />
<div class="download-box">
Free download this loan calculator</div>
Step 4. Now loan calculator will be use for calculate monthly outstanding balance. Reduce the principle amount from present value. Keep your pointer in H16 cell. Sum up present value and principal amount. Here principle amount is an owed amount so it's shown negative amount. Press Enter to get, out standing balance.
<br />
Step5. Now select B16:H16 and drug down one row. Here second row showing second month's calculation. Correct second month outstanding balance. Select H17 cell. Sum up H16 and F17 (previous outstanding balance and current principal amount)
<br />
Last step. Select row B17:H17 and drug down to payment no. 24. Total time period is 24 months to pay off loan. You can now find how the principal amount increases and decreases interest rate. 24 month or last month of loan term outstanding balance is zero.
<br />
<div class="download-box">
Free download this loan calculator</div>
<h2 class="blockquote1">
Annual Percentage Rate APR</h2>
<br />
<ul class="math">
<li>How to Calculate Annual Percentage Rate APR </li>
<li>What is annual percentage rate (APR)?</li>
</ul>
<br />
<h3 class="blockquote1">
<a href="https://www.blogger.com/null" name="loancalculator10"></a> What is Annual Percentage Rate APR?</h3>
<div class="warning-box">
A lender sells his loan products. Different loan products have different type of interest rate. These interest rates called loan cost. <strong>Excel loan calculator</strong> can calculate to figure out Annual percentage rate. APR define annual interest rates included all other fees like processing fees, loan broker fees, closing fees or any other charges applicable to get the loan. This means that APR and interest rate is not equal, usually APR is higher then interest rate.
</div>
<div class="download-box">
Free download this loan calculator</div>
<h3 class="blockquote2">
<a href="https://www.blogger.com/null" name="loancalculator11"></a>How to Calculate Annual Percentage Rate APR using loan calculator?</h3>
We know APR is total interest rate included all charges, fees of a given loan. <br />
<strong>Example: </strong>
<br />
<h3>
Loan calculator for calculate APR.</h3>
<h3 class="blockquote1">
<a href="https://www.blogger.com/null" name="loancalculator12"></a>Annual percentage rate calculator (APR calculator)</h3>
Someone borrow $70000 for 10 years at 4% annual interest rate. In addition lender applied $2000 as loan closing fees. Now figure out the APR. Originally borrowed amount is $68000.<br />
We will use <strong>Excel loan calculator</strong> to calculate monthly payment and then APR. Excel has built in function PMT and RATE. In a loan calculator these two functions calculate APR
<br />
At first calculate PMT.<br />
<div class="info-box">
<em>=PMT(RATE,NPER,PV,FV,TYPE)</em></div>
<ul class="math">
<li><strong>Where,</strong></li>
<li><em>RATE</em> = 4% </li>
<li><em>NPER</em> = 10 Years</li>
<li><em>PV</em> = 70000</li>
<li><em>FV</em>=0</li>
<li><em>TYPE</em>=0</li>
<li><strong>Monthly payment = $708.72</strong></li>
</ul>
<h3>
Amazing loan calculator that Works quickly</h3>
Now figure out APR using RATE formula.<br />
<div class="info-box">
<em>=RATE(NPER,PV,PMT,FV,TYPE)</em></div>
<ul>
<li><strong>Where</strong>,</li>
<li><em>NPER</em>= 2years</li>
<li><em>PV</em> = 70000-2000=68000 (Actual Loan Amount)</li>
<li><em>PMT</em>= - 708.72</li>
<li><em>FV</em> = 0</li>
<li><em>TYPE</em> = 0</li>
<li><em>RATE</em> = 0.3851% *12 ( multiply by 12 for annual rate )</li>
<li><em>RATE</em> = 4.6212%</li>
</ul>
<div class="download-box">
Free download this loan calculator</div>
<br />
<h2 class="blockquote1">
From DOS SuperCalc to <strong>Microsoft Excel</strong> spreadsheet calculator. </h2>
<h3>
A brief history of PCs Calculator. </h3>
Computer Calculator history begans from early 1980. <strong>SuperCalc</strong> is the First Generation most popular spreadsheet application for PCs released in 1980 by <strong>Sorcim</strong>. Its took place in <strong>Visicalc</strong> which was also first-generation spreadsheet software. <em>VisiCalc</em> was slow to respond and have so many limitations but <strong>SuperCalc</strong> was text user interfaced based so easy to use that could make a spreadsheet in 15 minutes. <br />
It was originally bundled (along with WordStar) as one of the <em>CP/M</em> applications included with the Osborne 1 portable computer. It quickly became popular for CP/M and was ported to <strong>MS-DOS</strong> in 1982.
(Ref: <em>https://en.wikipedia.org/wiki/SuperCalc</em>)<br />
In the mid-1980s SuperCalc brought by <em>CA Technologies</em> and replaced the name SuerCalc to <strong>CA-SuperCalc</strong>. In <strong>MS-DOS</strong> platform CA-SuperCalc getting more popular for its without copyright distribution polices as well as low price.<br />
In March 1987 <em>CA Technologies</em> released its <em>version no 3</em>, then a million user's claimed, published at "<strong>Computer and Video Games</strong>" (C+VG) magazine "Extra Bits", issue 65, page 96<br />
In the January 26, 1983 <strong>Lotus Software</strong> published it's MS-DOS based hugely popular spreadsheet solution name Lotus 1-2-3. Lotus were three-in-one solution (spreadsheet calculations, database functionality, and graphical charts) take place in "SuperCalc".<br />
<strong>Microsoft</strong> developed its spreadsheet for Windows in graphical interface released November, 1987 a part of <strong>Microsoft Office</strong>. Microsoft Excel debuted the first spreadsheet allows its users to define character attributes, fonts and cell appearance. In a very short time Excel gets huge popularity and take place all other spreadsheet solutions like Lotus, SuperCalc. <br />
Later <strong>Microsoft Office</strong> Suite is installed on most computers in the world and Microsoft Excel spreadsheet can solve most of financial calculations and analysis at home, office, school or business centers.<br />
<div class="warning-box">
<strong>Final Word</strong>: <em>Microsoft Excel</em> is a strong calculating tool for finance, investment and banking. Thousand of loan calculator you will find in online but unerringly what you needed you will never get that moment. Using <strong>Excel loan calculator</strong> to calculate any lone term reduce your time and cost for any <em>Home loan</em>, <em>Bad credit loan</em>, <em>Mortgage loan</em>, <em>Car loan</em> or <strong>Personal loan</strong>. </div>
Unknownnoreply@blogger.comtag:blogger.com,1999:blog-2520736924479309145.post-52757316829991533212017-01-15T04:42:00.003-08:002019-11-22T22:04:11.338-08:00Loans for bad credit<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="color: #666666; font-family: "georgia" , "times new roman" , serif; font-size: x-large;">Is a <i>personal loan</i> possible with <b>bad credit</b>? Yeas, even if you have a credit score below 600 you can get personal loans. Most of the banks and credit unions didn’t allow personal loans when the credit score below 600-660 but some online lenders helping people for getting their <i>personal loans</i> with credit score 600 or even lower. Most bank or financial institutions will compare your bad credit score to assess whether your credit risk is good for their loans. If they find your credit score rubs them the risky way, officials will classify you as unfit for their loans. </span></div>
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<span style="color: #666666; font-family: "georgia" , "times new roman" , serif; font-size: x-large;">But many online lenders offer <i>personal loans </i>and approve a borrower <b>with low credit scores</b>. A number of online lenders that specialize in <b><a href="http://mortgage-loan-bd.blogspot.com/2017/01/badcreditloans.html" target="_blank">bad credit loans</a></b> to helping their consumers consolidate debt. You can increase your credit score with a <i>personal loan</i> by consolidation credit card debt. This happens for the reason that your previously revolving credit card debt is now classified as an installment debt, a style of debt many credit score scoring models do not penalize you for having</span></div>
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: x-large;"><span style="color: magenta;"><a href="http://mortgage-loan-bd.blogspot.com/2017/01/badcreditloans.html" target="_blank">Bad Credit Loans</a></span></span></span></h2>
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><span style="font-size: x-large;">What does <a href="http://mortgage-loan-bd.blogspot.com/2017/01/badcreditloans.html" target="_blank">bad credit loans</a> mean? How are credit ratings determined? Visit Pounds to Pocket for this information and to apply for personal loans.</span></span></span><br />
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<a href="http://mortgage-loan-bd.blogspot.com/2017/01/badcreditloans.html" target="_blank"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: x-large;"><span style="color: orange;">Best Personal Loans for Bad Credit </span></span></span></a></h2>
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: x-large;"><span style="color: #444444;">Is a <i>personal loan</i> possible with <b>bad credit</b>? Yeas, even if you have a credit score below 600 you can get <i>personal loans</i>. Most of the banks and credit unions didn’t allow <b>personal loans</b> when the credit score below 600-660 but some online lenders helping people for getting their <i>personal loans</i> with credit score 600 or even lower. </span></span></span><br />
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: x-large;"><span style="color: #444444;"><br /></span></span></span><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: x-large;"><span style="color: #0b5394;">Bad Credit Loans</span></span></span></h3>
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: x-large;"><span style="color: #444444;">A number of online lenders that specialize in <a href="http://mortgage-loan-bd.blogspot.com/2017/01/badcreditloans.html" target="_blank">bad credit loans</a> to helping their consumers consolidate debt. You can increase your credit score with a <b>personal loan</b> by consolidation credit card debt. This happens for the reason that your previously revolving credit card debt is now classified as an installment debt, a style of debt many credit score scoring models do not penalize you for having <a href="http://mortgage-loan-bd.blogspot.com/2017/01/badcreditloans.html" target="_blank">bad credit</a>.
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: x-large;"><span style="color: #444444;">See Donald Trump (The US President) Latest Updates.</span></span></span><br />
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: x-large;"><span style="color: magenta;">Donald Trump Criticized for Mocking Disabled Reporter
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<span style="color: #444444;"><span style="font-size: x-large;"><a href="http://mortgage-loan-bd.blogspot.com/p/donald-trump.html" target="_blank">Donald Trump</a> Denies Mocking Reporter For His Disability, Even Though It Appears He Did</span></span></div>
Unknownnoreply@blogger.comtag:blogger.com,1999:blog-2520736924479309145.post-87840696282333420262017-01-04T10:10:00.000-08:002019-11-22T22:04:00.128-08:00Bad credit loans<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="color: magenta;"><a href="http://mortgage-loan-bd.blogspot.com/2017/01/badcreditloans.html" target="_blank"><span style="font-size: x-large;">Bad credit loans</span></a></span></h2>
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<span style="font-size: x-large;"><span style="color: #444444;">Do you have got weak credit, but you’re in a position to turn your budget around? We will aid you to place your horrible credit historical past into the prior with a private loan to get you again on monitor to a match financial future.<br /><br />They name it horrible credit. We call it Our uniqueness!<br /></span></span></div>
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<a href="http://mortgage-loan-bd.blogspot.com/2017/01/badcreditloans.html" target="_blank"><span style="color: lime;"><span style="font-size: x-large;">Bad credit loans</span></span></a></h2>
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<span style="font-size: x-large;"><span style="color: #444444;">We are able to help you with unfavorable credit ratings individual loans which you can use to:</span></span></div>
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<a href="http://mortgage-loan-bd.blogspot.com/2016/01/federal-loan-consolidation.html" target="_blank"><span style="color: magenta;"><span style="font-size: x-large;">Consolidate Debt</span></span></a></h2>
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<span style="font-size: x-large;"><span style="color: #444444;">Make main purchases like furniture, Washing Machines, refrigerators<br />Pay surprising expenses like vet costs or vehicle repairs<br />substitute an highly-priced object which is misplaced or damaged, like a computing device or cellular telephone</span></span></div>
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<a href="http://mortgage-loan-bd.blogspot.com/2017/01/badcreditloans.html" target="_blank"><span style="color: magenta;"><span style="font-size: x-large;">Bad credit loans</span></span></a></h2>
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<span style="font-size: x-large;"><span style="color: #444444;"><br />When you’re not sure about a <i>bad credit mortgage</i>, have a learn of our web publication which covers one of the crucial fashioned spotty credit questions – are spotty credit loans risk-free?.<br /><br />Bad credit loans<br /><br />Whether you’ve been making quite a few credit inquiries, you missed a invoice or repayment once or twice and debt just constructed up, otherwise you’ve been discharged from bankruptcy or a component IX Debt contract – we’ll be competent to aid you no matter what your concern is.<br /><br />Now we have over 30 lenders we are able to pick from, and we’ve labored through the years to access the satisfactory finance products to furnish for humans with an unstable economic history.<br /></span></span></div>
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<span style="font-size: x-large;"><span style="color: #444444;">Did you know that taking away a loan, and paying it again in keeping with the repayment schedule, can virtually make your credit file healthful faster than should you hadn’t taken out a loan?<br /><br />You should utilize the money for whatever that you just need, including garb to comfy a brand new job, getting your youngsters the stuff they need for tuition, planning a so much wanted loved ones holiday – anything that you may feel of!<br /><br /><br /><span style="color: lime;"><b>Guidelines for getting a <a href="http://mortgage-loan-bd.blogspot.com/2017/01/badcreditloans.html" target="_blank">bad credit personal loans</a></b></span><br /><br />the important thing to bettering your credit score file is making definite that you just get a loan which you could find the money for, pay awareness to the suggestions your dealer gives you. This manner, you benefit from having cash that’ll give a boost to your lifestyle, help you to get out of debt, and as another bonus you’ll be heading again onto the smooth credit score route where you need to be.<br /></span></span></div>
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<span style="font-size: x-large;"><span style="color: #444444;">Our mortgage professionals will be equipped to determine your complete economic challenge, including everything going out and coming in, and will find a loan for you you could have enough money, with a lender who’ll fail to remember your prior. Don’t be held again – follow your dreams and begin environment new economic goals today!<br /><br />We will get fast <a href="http://mortgage-loan-bd.blogspot.com/2016/08/personal-loans-and-mortgages.html" target="_blank"><b>personal loans</b></a> approvals, so don’t extend. Follow for a <b>adverse credit mortgage</b> in these days with the aid of giving us a call on 1300 769 384, or entire the fast quote kind and we’ll contact you in a couple of minutes.</span></span></div>
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<span style="font-size: x-large;"><span style="color: #444444;"><br />Our reliable finance consultants care for without doubt the whole lot for you. We specialize in most effective spotty credit loans, meaning we all know extra concerning the low credit score extra <b>mortgage</b> market in Australian than any one else. Why now not take a seat again and relax even as can we all the work for you?</span></span></div>
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<span style="font-size: x-large;"><span style="color: #444444;"><br />We present free a <b>bad credit</b> score mortgage quote & our functions best take a subject of minutes. Added to this 50% of our spotty credit loan functions are permitted inside 24 hours of submission to the lender.</span></span></div>
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Unknownnoreply@blogger.comtag:blogger.com,1999:blog-2520736924479309145.post-30878772863842229632017-01-04T09:31:00.000-08:002019-11-22T22:03:51.781-08:00Bad credit loans<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: x-large;"><span style="color: #444444;">We furnish country wide <b>Personal loans </b>offerings for humans with spotty credit, good credit and no credit. Our applications are designed to provide you with the pleasant personal loans on the most competitive price. These individual loan applications are very bendy and loan amounts can be gigantic or small relying on your needs. Which you can get approved very rapidly with the aid of utilizing our at ease on-line software and the <i>bad credit personal loans</i> for people with horrible credit can provide you with the approval you want.<br /><br />How do you go about acquiring a loan for <b>bad credit</b>? Traditionally answered, your first reaction is to contact your local financial institution and apply. In tough occasions banks tend to stop lending cash as without problems and force buyers to seem in other places or go without. Is this really an answer? No. Whilst you hit a rut, you want any person to support you financially to beat the crisis. The provision and awareness of a <b>bad credit </b>score <i>personal loans</i> is not continually marketed comfortably. This type of loan option could be very obtainable and is specific in the truth that even with low credit score, you've gotten an opportunity to be accepted for cash. There are numerous benefits including accessibility and credit score acceptance. Which you can also use individual loans for pretty much any existence needs or wants.</span></span></span><br />
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<span style="color: magenta;"><a href="http://mortgage-loan-bd.blogspot.com/2016/01/federal-loan-consolidation.html" target="_blank"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: x-large;">Bad credit loans</span></span></a></span></h2>
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: x-large;"><span style="color: #444444;">We are offering you a free on-line application for a lot of forms of finance products together with however now not restricted to personal loans for men and women with unfavorable credit ratings. Filling out the application is very simple and requires the equal quantity or less knowledge than your usual neighborhood bank may just ask for. The convenience of the appliance itself is the truth that after finishing the appliance and hitting the submit button, it's immediately processed by means of our network. This enables for turbo evaluate and quicker approval turnaround time. We define turnaround time because the time you publish your application to the time it takes lenders to send you a determination and deposit the money into your account. This sounds daunting however many shoppers have found they might practice and get the money all within the equal day. That’s purchaser provider at it top and is what we expect from the finance industry as we want cash now. After your <a href="http://mortgage-loan-bd.blogspot.com/2016/08/personal-loans-and-mortgages.html" target="_blank"><b>personal loans</b></a> application is bought, reviewed, authorized, and funded; you will be capable to use the cash nevertheless you need to. People have utilized these loans to pay overdue expenses, take a trip, repair the automobile, dwelling enhancements and way more. The money is yours to use however you want. Weak credit <b>personal loans</b> are a great software for a lot of reasons but having a lender inclined to aid is the greatest economic cushion.<br /><br />Some key warning signs that almost all lenders are watching for when examining your credit incorporate:</span></span></span></div>
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<a href="http://mortgage-loan-bd.blogspot.com/2016/01/federal-loan-consolidation.html" target="_blank"><span style="color: magenta;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: x-large;">Bad credit loans</span></span></span></a></h2>
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: x-large;"><span style="color: #444444;">No credit score Or poor length Of credit score history (0-2 Years average credit historical past)<br />fair To low credit ranking (rating that is underneath 650)<br />No Collateral To back Your mortgage In Case Of Default<br />Too Many Late payments That reflect incapability To Pay</span></span></span></div>
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<a href="http://mortgage-loan-bd.blogspot.com/2016/01/federal-loan-consolidation.html" target="_blank"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: x-large;"><span style="color: #444444;">Bad credit loans</span></span></span></a></h2>
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: x-large;"><span style="color: #444444;">Clearly if all or any of those objects relate to your current economic main issue, you have skilled difficulty in getting financed. Many banks or lender will have a intricate time approving your <i>personal loans</i> simple because they view you as a high threat to them. As we discussed in detail above, you still have choices that are tailored personal loans for men and women with weak credit. So how do you get these <i>loans</i>? We are your first step. You may have already determined us on-line to be a professional service that presents you immediate online processing of all varieties of <b>bad credit loans</b>. In more element you have an interest in personal loans catered to your bad credit. All you must do from right here is take a few minutes to apply and sit down again and get your choice from our broad network. You should in finding our solutions to be very useful and an most important tool to getting the money <b>loans</b> you need. We strive to furnish you with excellent offerings and look forward to listening to feedback from you. To get permitted in these days please entire the application and unleash the skills to receive cash ASAP.</span></span></span></div>
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Unknownnoreply@blogger.comUnited States37.09024 -95.712891000000013-36.4162205 99.052733999999987 90 69.521483999999987tag:blogger.com,1999:blog-2520736924479309145.post-28505781346792770462016-11-09T00:03:00.001-08:002019-11-22T22:01:58.579-08:00DBH Home Loan.<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;"><br /></span></span></span></div>
<span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;"></span></span></span><span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;"><b><span style="color: #38761d;">If you are
Self-Employed:</span></b></span></span></span><span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;">
</span></span></span><br />
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;"> </span></span></span></div>
<span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;"></span></span></span><span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;"> </span></span></span><span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;"></span></span></span><span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;">
</span></span></span><br />
<ul style="text-align: left;">
<li><span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;">Update Trade License</span></span></span></li>
<li><span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;">Income-tax returns and 3 years statement of income.</span></span></span></li>
<li><span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;"></span></span></span><span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;">Balance Sheet of your business for last three years.</span></span></span><span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;"></span></span></span><span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;">
</span></span></span></li>
<li><span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;">Detail information about the nature of your business/organization, supplier, clients etc</span></span></span><span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;"></span></span></span><span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;"></span></span></span></li>
<li><span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;">Update Bank statements
( 12 months ) </span></span></span><span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;"></span></span></span><span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;">
</span></span></span></li>
</ul>
<br />
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<span style="font-size: large;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjG9csSoKf50mUNSZMqLEZsgEoD521uJk4Hkh0Rxj4oEU3fg6Iu7BBh_2CkBE3DFlL6IuQO_dawnpLnaI_LdflPS37T4k19MaGCEbtQH8JbCu2Aq38CSPhNgmtMAeJ7Qxakvx_vNeMu-xz3/s1600/home-loans.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="DBH Home Loan" border="0" height="189" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjG9csSoKf50mUNSZMqLEZsgEoD521uJk4Hkh0Rxj4oEU3fg6Iu7BBh_2CkBE3DFlL6IuQO_dawnpLnaI_LdflPS37T4k19MaGCEbtQH8JbCu2Aq38CSPhNgmtMAeJ7Qxakvx_vNeMu-xz3/s400/home-loans.jpg" title="DBH Home Loan" width="400" /></a></span></div>
<div class="separator" style="clear: both; text-align: center;">
</div>
<br />
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;">
</span></span></span><br />
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #38761d;"><b><span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;">Other
Documents:</span></span></b></span></div>
<span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;">
</span></span></span><br />
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;"> </span></span></span></div>
<span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;"></span></span></span><span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"></span></span><br />
<ul style="text-align: left;">
<li><span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;">Ownership Document</span></span></span></li>
<li><span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;">Rental Agreement for Rental position.</span></span></span></li>
<li><span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;">Copies of Savings
Instrument (if any)</span></span></span><span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;">
</span></span></span></li>
<li><span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;">Similar proof of
other income.</span></span></span></li>
</ul>
<div class="MsoNormal" style="text-align: justify;">
<br />
<br />
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "verdana" , sans-serif;"><span style="font-size: large;"><span style="color: #444444;"><span style="font-size: small;"><span style="color: #666666;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><a href="http://idlc.com/Personal-Loan.php" target="_blank"><b><span style="color: #666666;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Read Mo<span style="font-family: "arial" , "helvetica" , sans-serif;">re:</span></span></span></b></a></span></span></span><br />
<br />
<span style="font-size: small;"><span style="color: #666666;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: #666666;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b><span style="color: #0b5394;"><a href="http://mortgage-loan-bd.blogspot.com/2016/08/idlc-finance.html" target="_blank">Home Loan</a>, <a href="http://mortgage-loan-bd.blogspot.com/2016/08/ebl-auto-loan.html" target="_blank">Auto Loan</a>, <a href="http://mortgage-loan-bd.blogspot.com/2016/09/idlc-personal-loan.html" target="_blank">Personal Loan</a>, <a href="http://mortgage-loan-bd.blogspot.com/2016/08/home-equity-loan_30.html" target="_blank">Home Equity Loan</a>, </span></b><span style="font-family: "arial" , "helvetica" , sans-serif;"><b><span style="color: #0b5394;"><a href="http://mortgage-loan-bd.blogspot.com/2016/08/debt-consolidation-loans.html" target="_blank">Debt consolidation Loan</a>, <a href="http://mortgage-loan-bd.blogspot.com/2016/09/sme-loan.html" target="_blank">SME Loan</a></span></b></span></span></span></span></span></span></span></span></span> </span></div>
</div>
Unknownnoreply@blogger.comtag:blogger.com,1999:blog-2520736924479309145.post-71353827162453928692016-09-02T08:19:00.004-07:002019-11-22T22:01:43.275-08:00 IDLC Personal Loan <div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6eVcFferBuWP5m5ObT9yvYerh3nS5BWKKGc5cg5QCdCky4k_LUs4xm9NL9Pwowi9-bEfBI__kS5OvgjO7pVN8VBOPpeZeyDWQirBq5s0vS4iPB0tRM9bdQDzRpw-sk_KB82uCA7ZpqT8E/s1600/personal-loan.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img alt="IDLC Personal Loan" border="0" height="125" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6eVcFferBuWP5m5ObT9yvYerh3nS5BWKKGc5cg5QCdCky4k_LUs4xm9NL9Pwowi9-bEfBI__kS5OvgjO7pVN8VBOPpeZeyDWQirBq5s0vS4iPB0tRM9bdQDzRpw-sk_KB82uCA7ZpqT8E/s200/personal-loan.jpg" title="IDLC Personal Loan" width="200" /></a><span style="font-family: "georgia" , "times new roman" , serif;"></span></div>
<div style="text-align: justify;">
<span style="font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: "georgia" , "times new roman" , serif;"></span></div>
<h2 style="text-align: left;">
<span style="color: magenta;"><span style="font-family: "georgia" , "times new roman" , serif;">IDLC Personal Loan (<a href="https://en.wikipedia.org/wiki/IDLC_Finance_Limited" target="_blank">IDLC Finance</a>)</span></span></h2>
<h2>
<span style="font-family: "georgia" , "times new roman" , serif;"></span></h2>
<div style="text-align: justify;">
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #38761d; font-size: large;"><b>Product Features</b></span><span style="font-size: large;"><br />We realize your all out efforts to enhance the quality of existence, however necessities now not wait for your savings to build up. Commonly, it will get tougher to fulfill ever altering wants. <b>IDLC Finance</b> restrained, the largest financial institution of the country, can support you achieve your aspirations with a personal loan that is suitable for you. <b>IDLC personal loan</b> - financing for all your need!</span></span><br />
<h2>
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: orange;"><span style="color: #38761d; font-size: large;"><b>Advantages of <a href="http://www.idlc.com/personal-loan.php" rel="nofollow" target="_blank">IDLC Personal Loan</a></b></span></span></span></h2>
</div>
<ol style="text-align: left;"><span style="color: #444444;"><span style="font-size: large;">
</span></span>
<li><span style="color: #444444;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Quick loan Processing</span></span></li>
<span style="color: #444444;"><span style="font-size: large;">
</span></span>
<li><span style="color: #444444;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Flexible Interest rates</span></span></li>
<span style="color: #444444;"><span style="font-size: large;">
</span></span>
<li><span style="color: #444444;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Minimum possible fees</span></span></li>
<span style="color: #444444;"><span style="font-size: large;">
</span></span>
<li><span style="color: #444444;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Quick settlement</span></span></li>
</ol>
<div style="text-align: justify;">
<span style="font-family: "georgia" , "times new roman" , serif;"><br /><span style="color: #38761d; font-size: large;"><b>Purpose</b></span></span></div>
<ol style="text-align: left;"><span style="font-size: large;">
</span>
<li><span style="color: #444444;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Meeting financial Need</span></span></li>
<span style="color: #444444;"><span style="font-size: large;">
</span></span>
<li><span style="color: #444444;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Marriage/Education</span></span></li>
<span style="color: #444444;"><span style="font-size: large;">
</span></span>
<li><span style="color: #444444;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Any Family Purpose </span></span></li>
<span style="color: #444444;"><span style="font-size: large;">
</span></span>
<li><span style="color: #444444;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Traveling</span></span></li>
<span style="color: #444444;"><span style="font-size: large;">
</span></span>
<li><span style="color: #444444;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Health Treatment </span></span><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: #444444;"> </span> </span><br /><span style="font-family: "georgia" , "times new roman" , serif;"></span></li>
</ol>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhbGWXv9axbn89zJ_k8MlSz9IyW5D-2ARKZo4R5QPcmx_NdrDMDXb6z363sNIyUrR2pj9VnhWo09leCwiAUzkgshR1zVn_gEOs4T-0-fmsEvmhZr67uHQkCPHud40YRiRlt3UWNjCwSpqnE/s1600/IDLC-Personal-loan.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="IDLC Personal Loan" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhbGWXv9axbn89zJ_k8MlSz9IyW5D-2ARKZo4R5QPcmx_NdrDMDXb6z363sNIyUrR2pj9VnhWo09leCwiAUzkgshR1zVn_gEOs4T-0-fmsEvmhZr67uHQkCPHud40YRiRlt3UWNjCwSpqnE/s1600/IDLC-Personal-loan.jpg" title="IDLC Personal Loan" /></a></div>
<div style="text-align: justify;">
<span style="font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<h3 style="text-align: left;">
<span style="color: #b45f06; font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;">Types of Loan</span></span></h3>
<h3>
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"></span></h3>
<div style="text-align: justify;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>IDLC Finance </b>provided two types of loan under <b>Personal Loan</b> Category:</span></div>
<ol style="text-align: left;"><span style="font-size: large;">
</span>
<li><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Secured <i>Personal Loan</i></span></li>
<span style="font-size: large;">
</span>
<li><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;">Unsecured <i>Personal Loan</i></span></span></li>
</ol>
<div style="text-align: justify;">
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-family: "georgia" , "times new roman" , serif;"></span></span></div>
<h3 style="text-align: left;">
<span style="color: #38761d; font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;">Loan Amount</span></span></h3>
<h3>
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"></span></h3>
<div style="text-align: justify;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>IDLC Finance</b> Providing Taka 50,000 to Taka 10 Lacs to suit your personal requirement at <b>IDLC Personal Loan</b>.<br /><br /><span style="color: #38761d;"><b>Loan Tenure</b></span><br />Loan tenure one year to five years</span></div>
<h3 style="text-align: left;">
<span style="color: #b45f06; font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;">Interest Rates and Fees</span></span></h3>
<h3>
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"></span></h3>
<div style="text-align: justify;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>IDLC Finance</b> offer very competitive interest rate for Personal Loan. Interest rates are set based on the financial status.</span><br />
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span><span style="color: #666666; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">For more information please visit: <a href="http://idlc.com/Personal-Loan.php" target="_blank">IDLC Personal Loan<br /><br /><b><span style="color: #666666;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Read Mo<span style="font-family: "arial" , "helvetica" , sans-serif;">re:</span></span></span></b></a></span></span><br />
<span style="font-size: large;"><br /></span>
<span style="color: #666666; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: #666666;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b><span style="color: #0b5394;"><a href="http://mortgage-loan-bd.blogspot.com/2016/08/idlc-finance.html" target="_blank">Home Loan</a>, <a href="http://mortgage-loan-bd.blogspot.com/2016/08/ebl-auto-loan.html" target="_blank">Auto Loan</a>, <a href="http://mortgage-loan-bd.blogspot.com/2016/09/idlc-personal-loan.html" target="_blank">Personal Loan</a>, <a href="http://mortgage-loan-bd.blogspot.com/2016/08/home-equity-loan_30.html" target="_blank">Home Equity Loan</a>, </span></b><span style="font-family: "arial" , "helvetica" , sans-serif;"><b><span style="color: #0b5394;"><a href="http://mortgage-loan-bd.blogspot.com/2016/08/debt-consolidation-loans.html" target="_blank">Debt consolidation Loan</a>, <a href="http://mortgage-loan-bd.blogspot.com/2016/09/sme-loan.html" target="_blank">SME Loan</a></span></b></span></span></span></span></span></span><br />
<span style="color: #666666;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: #666666;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"> </span></span></span> </span></span></span></span></span></div>
</div>
Unknownnoreply@blogger.comtag:blogger.com,1999:blog-2520736924479309145.post-79874347636027165932016-09-02T07:27:00.001-07:002019-11-22T22:01:26.623-08:00 Dutch Bangla Bank SME Loan<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhmykw_OBhE1FJsBpzBfZtHa2L5uKpoymcfF-0dlouwt8tU4dpCwI2W_GjPIo_R7oZKXKAiCxfJyBQ8RK0Zf8t7Q6G0u4n-HqwIl-qgUuaUZdvq7PTh2NzJftJqXGjnRRk_fbdjWh5w94vo/s1600/SME-Dutch-Bangla-Bank.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="125" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhmykw_OBhE1FJsBpzBfZtHa2L5uKpoymcfF-0dlouwt8tU4dpCwI2W_GjPIo_R7oZKXKAiCxfJyBQ8RK0Zf8t7Q6G0u4n-HqwIl-qgUuaUZdvq7PTh2NzJftJqXGjnRRk_fbdjWh5w94vo/s200/SME-Dutch-Bangla-Bank.jpg" width="200" /></a><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"></span></span></span></div>
<div style="text-align: justify;">
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><br /></span></span></span></div>
<div style="text-align: justify;">
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><br /></span></span></span></div>
<div style="text-align: justify;">
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"></span></span></span></div>
<h2 style="text-align: left;">
<span style="color: magenta;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;">Dutch Bangla Bank SME Loan</span></span></span></h2>
<div style="text-align: justify;">
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><br /></span></span></span></div>
<div style="text-align: justify;">
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><span style="color: #38761d;"><b>Purpose: </b></span> Expend of Existing Business and meet up working capital requirement <br /><br /><span style="color: #38761d;"><b>Target Customers</b></span>: Any Small and Medium Enterprise Business as per criteria provided by Bangladesh Bank</span></span></span><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"></span></span></span></div>
<h3>
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"></span></span></span></h3>
<div style="text-align: justify;">
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><b><br /></b></span></span></span></div>
<h3 style="text-align: left;">
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><span style="color: #e69138;">Loan Amount </span> </span></span></span></h3>
<div style="text-align: justify;">
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><b>Minimum</b> : TK. 100,000/- <br /><b>Maximum</b> : TK. 10,000,000/-<br /><b>Interest Rate</b> : @20.00% </span></span></span><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">(Floating) </span></span></span><br /><b>Collateralize </b>: @17.00%<br /><b>Others: </b>No Processing Fee, Renewal or Enhancement fee
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg0yRE4IPTwyer1jQ-lNAHvYwh1EM7h3O25wIC9OSUtSi8poMM8T6KBmNxPqfvC2XLvXxJUJ3aD6-fopjTjyD9kJC8PJurwCQgf9GjEjvzKuhXbI4hCGn7Osu3jmwgXwtKrDIWW3Or6tyla/s1600/SME-loan.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg0yRE4IPTwyer1jQ-lNAHvYwh1EM7h3O25wIC9OSUtSi8poMM8T6KBmNxPqfvC2XLvXxJUJ3aD6-fopjTjyD9kJC8PJurwCQgf9GjEjvzKuhXbI4hCGn7Osu3jmwgXwtKrDIWW3Or6tyla/s1600/SME-loan.jpg" /></a></span></span></span></div>
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<span style="color: #38761d;"><b>Tenure</b></span>: One year, Renewable<br /><br /><b><span style="color: #38761d;">Overdue Fee</span></b>: 3% p.a. on Additional overdue amount<br /><br /><b><span style="color: #38761d;">Others Charges & VAT:</span> </b>Stamp charges & VAT applicable as per Gov. Rule.</span></span></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"></span></span></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"></span></span></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><br /><span style="color: #38761d;"><b>Eligibility:</b></span></span></span></span></div>
<div style="text-align: justify;">
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">Bangladeshi by birth<br />Age limit: 21 years to 65 years</span></span></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">At least two years of experience in related business.<br /><br /><span style="color: #38761d;"><b> Required Documents</b></span></span></span></span></div>
<ol style="text-align: left;">
<li><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: small;"><span style="color: #444444;">One Copy passport size color photo of applicant</span></span></span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: small;"><span style="color: #444444;">One Copy passport size color photo of guarantor</span></span></span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: small;"><span style="color: #444444;">NID/passport/ driving license of applicant and guarantor : Photocopy</span></span></span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: small;"><span style="color: #444444;">Utility bill (municipal tax/electricity/gas/water/) : Photocopy</span></span></span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: small;"><span style="color: #444444;">Tax, E-TIN: Photocopy</span></span></span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: small;"><span style="color: #444444;"> One Year Bank statements of applicant and guarantor</span></span></span></li>
</ol>
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<span style="color: #666666;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><a href="http://idlc.com/Personal-Loan.php" target="_blank"><b><span style="color: #666666;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Read Mo<span style="font-family: "arial" , "helvetica" , sans-serif;">re:</span></span></span></b></a></span></span><br />
<br />
<span style="color: #666666;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: #666666;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b><span style="color: #0b5394;"><a href="http://mortgage-loan-bd.blogspot.com/2016/08/idlc-finance.html" target="_blank">Home Loan</a>, <a href="http://mortgage-loan-bd.blogspot.com/2016/08/ebl-auto-loan.html" target="_blank">Auto Loan</a>, <a href="http://mortgage-loan-bd.blogspot.com/2016/09/idlc-personal-loan.html" target="_blank">Personal Loan</a>, <a href="http://mortgage-loan-bd.blogspot.com/2016/08/home-equity-loan_30.html" target="_blank">Home Equity Loan</a>, </span></b><span style="font-family: "arial" , "helvetica" , sans-serif;"><b><span style="color: #0b5394;"><a href="http://mortgage-loan-bd.blogspot.com/2016/08/debt-consolidation-loans.html" target="_blank">Debt consolidation Loan</a>, <a href="http://mortgage-loan-bd.blogspot.com/2016/09/sme-loan.html" target="_blank">SME Loan</a></span></b></span></span></span></span></span></span></div>
</div>
Unknownnoreply@blogger.comtag:blogger.com,1999:blog-2520736924479309145.post-58097271107143402432016-09-01T04:10:00.001-07:002019-11-22T22:01:04.155-08:00 Delta Brack Housing Home Loan, Prime Bank Home Loan<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi_fzgVFjiMHFqVJbK_LypDNn7F2n5vuolBE1DhBnKmZvCLlv-0EaXuLZpWOL2PwJb-UqgavL0HFaFzaAP67bY0QYCZtsHdWfGdmJ8GLAPJnu8VPh0Pa0FPuZ_qIndHdq9aHnhOvvUYvRlH/s1600/home-loan-12.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="125" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi_fzgVFjiMHFqVJbK_LypDNn7F2n5vuolBE1DhBnKmZvCLlv-0EaXuLZpWOL2PwJb-UqgavL0HFaFzaAP67bY0QYCZtsHdWfGdmJ8GLAPJnu8VPh0Pa0FPuZ_qIndHdq9aHnhOvvUYvRlH/s200/home-loan-12.jpg" width="200" /></a><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"></span></span></span></div>
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<span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><br /></span></span></span></div>
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<span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><br /></span></span></span></div>
<div style="text-align: center;">
<span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: magenta;">Delta Brack Housing Home Loan, Prime Bank Home Loan</span></span></span></span></span></span></div>
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<span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><br /></span></span></span></div>
<h2 style="text-align: justify;">
<span style="font-size: large;"><span style="color: #38761d;"><span style="font-family: "georgia" , "times new roman" , serif;">Home Loan</span></span></span></h2>
<div style="text-align: justify;">
<span style="color: #444444;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: small;">Make use of your vacant land which is simply outside the Metropolitan Zone to construct semi-pacca houses through our financing scheme Abash. We offer the loan to avail better mortgage restrict for development of your semi-pacca houses. It might probably release your renting possibilities and allow you to turn your dream into reality.</span></span></span></div>
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<span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><br /></span></span></span></div>
<span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"></span></span></span><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"></span></span></span><br />
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<span style="font-size: large;"><span style="color: #134f5c;"><b><span style="font-family: "georgia" , "times new roman" , serif;">Purpose</span></b></span></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: small;"> Development/enhancement of semi-pacca constructing for residential use.</span></span><br />
<span style="font-family: "georgia" , "times new roman" , serif;"></span><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: small;"> To takeover loans from other Banks/Non Banking economic associations.</span></span></div>
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<span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><br /></span></span></span></div>
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<span style="font-size: large;"><span style="color: #38761d;"><b><span style="font-family: "georgia" , "times new roman" , serif;">Features</span></b></span></span></div>
<ol style="text-align: left;">
<li><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;">Competitive interest rate.</span></span></span></li>
<li><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;">Grace period: 6 Month </span></span></span></li>
<li><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;">Phase disbursement: Allowed.</span></span></span></li>
<li><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;">Low Processing fee: 1.25% of the loan amount.</span></span></span></li>
<li><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;">Quick loan processing.</span></span></span></li>
<li><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;">Monthly installments : </span></span></span><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;">Automatic realization</span></span></span></li>
<li><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;">Easy repayment schedule.</span></span></span></li>
<li><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;">Joint applicant: Allowed.</span></span></span></li>
<li><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;">Early, full and partial settlement: Allowed.</span></span></span></li>
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<span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><br /></span></span></span></div>
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<span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><br /></span></span></span></div>
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<span style="color: #b45f06;"><b><span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;">Customer Eligibility</span></span></b></span></div>
<ul style="text-align: left;">
<li><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;">Salaried person: Minimum one year
experience with 6 months employment in present Company.</span></span></span></li>
<li><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;">For Businessmen: Minimum one year experience in same business.</span></span></span></li>
<li><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;">For Landlord: At least six months rental income.</span></span></span></li>
</ul>
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<span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><br /></span></span></span></div>
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<span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><br /></span></span></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiarR9_5YL7-275sHJg19FfRjJLB-SC8jPLnVgzfetUwB8V3me55BhYwo7vuxz9KRgNcD0eXwq_6k5_MoJ0Vr9IpM1Mu-BPV7WzHXUGJpl6ATn8BbADD-IPi5yd_fabEEVE_Cuh0kFmC2YI/s1600/sbs-home-loan.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiarR9_5YL7-275sHJg19FfRjJLB-SC8jPLnVgzfetUwB8V3me55BhYwo7vuxz9KRgNcD0eXwq_6k5_MoJ0Vr9IpM1Mu-BPV7WzHXUGJpl6ATn8BbADD-IPi5yd_fabEEVE_Cuh0kFmC2YI/s1600/sbs-home-loan.jpg" /></a></div>
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<span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><br /></span></span></span></div>
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<span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"></span></span></span></div>
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<span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><br /></span></span></span></div>
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<span style="color: #38761d;"><b><span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;">Age Limit</span></span></b></span></div>
<ul style="text-align: left;">
<li><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;">22 -65 Years (at the time of application)</span></span></span></li>
</ul>
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<span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"></span></span></span></div>
<div style="text-align: justify;">
<span style="color: #0b5394;"><span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;">Gross Salary/Income</span></span></span></div>
<div style="text-align: justify;">
<span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"> BDT. 30,000.00 (Taka Thirty Thousand) for salaried person </span></span></span></div>
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<span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><br /></span></span></span></div>
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<span style="color: #b45f06;"><span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;"><br /></span></span></span></div>
<div style="text-align: justify;">
<span style="color: #b45f06;"><span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;">Loan Tenor</span></span></span></div>
<div style="text-align: justify;">
<span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"> Maximum loan tenor is 10 years plus 06 months grace period.</span></span></span></div>
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<span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><br /></span></span></span></div>
<div style="text-align: justify;">
<span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"></span></span></span></div>
<h3 style="text-align: justify;">
<span style="color: #b45f06;"><b><span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;">Required Documents</span></span></b></span></h3>
<ol style="text-align: left;">
<li><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;">One Copy passport size color photo of applicant</span></span></span></li>
<li><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;">One Copy passport size color photo of guarantor</span></span></span> </span></span></span></li>
<li><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;">NID/passport/ driving license of applicant and guarantor : </span></span></span><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;">Photocopy</span></span></span></li>
<li><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;">Utility bill (</span></span></span><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;">municipal tax</span></span></span></span></span></span><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;">/electricity</span></span></span>/</span></span></span>gas/water/) : Photocopy</span></span></span></li>
<li><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;">Tax, E-TIN: Photocopy</span></span></span></li>
<li><span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;">One Year Bank statements of applicant and guarantor</span></span></span></li>
</ol>
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<span style="font-size: small;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><br /></span></span></span></div>
</div>
Unknownnoreply@blogger.comtag:blogger.com,1999:blog-2520736924479309145.post-62865139022863085442016-08-30T20:53:00.003-07:002019-11-22T22:00:43.332-08:00SME Loan In IBBL<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0Sb4VtSQZxXHotZzxwJbMizVHetT-4PUIxjZO-Quic5UoEfRYACTGjiDEytWbE0KexSH_DhTb0sf2sEoFiw2dVNbgh44dTVuXcNdicY85subW86VrzJJuqYJAbkwxi8XxPUgStkdPh4US/s1600/SME-Loan.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="125" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0Sb4VtSQZxXHotZzxwJbMizVHetT-4PUIxjZO-Quic5UoEfRYACTGjiDEytWbE0KexSH_DhTb0sf2sEoFiw2dVNbgh44dTVuXcNdicY85subW86VrzJJuqYJAbkwxi8XxPUgStkdPh4US/s200/SME-Loan.jpg" width="200" /></a></div>
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<h2 style="text-align: left;">
<span style="color: magenta;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;">Islami Bank Bangladesh Limited (IBBL) SME Loan</span></span></span></h2>
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"></span></span></span></h2>
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><br /><span style="color: #38761d;"><b>Formation of SME Division</b></span><br /><br />The Board in its emergent meeting held on 02.11.2005 accredited a memo bearing No. 2005/one hundred fifty five with the next decision:<br /><br />“Resolved that the funding in Small organization will likely be made in line with the terms and stipulations contained in the Annexed “complete Small enterprise investment policy” and SME Division beneath funding Wing will be established with indispensable restructuring and duly manning with enough officers as proposed.”<br /><br />so as to emphasize SME investment, to run its SME services easily and to reinforce the SME hobbies of the bank, it has created a separate Division particularly “Small and Medium corporation Division” in 2009.
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhHQ9YmQ16lv5K1Zy8wmVDEH_1rBa6ZJEnYCr1-wHfRhLvDV7VXOfDHFOPxCzDt1_efpnQ-UIqneXBbo6Bc1RThHNBqBRRYbLbGbEBVeAJoHLs5Jr4qzTt0wHm7MUcLN2J2jkPDCOrtX63L/s1600/SME-Loan-s.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhHQ9YmQ16lv5K1Zy8wmVDEH_1rBa6ZJEnYCr1-wHfRhLvDV7VXOfDHFOPxCzDt1_efpnQ-UIqneXBbo6Bc1RThHNBqBRRYbLbGbEBVeAJoHLs5Jr4qzTt0wHm7MUcLN2J2jkPDCOrtX63L/s1600/SME-Loan-s.jpg" /></a></span></span></span></div>
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<span style="color: #38761d;"><b>Specialized SME Branches</b></span><br /><br />As per tenet and law of Bangladesh bank, the Board of directors of the bank has chosen a good quantity of SME inclined areas, where specialized SME/Agriculture Branches are being opening in order to facilitate the competencies entrepreneurs in getting access to to the finance from Sharia’h founded banking sector. Up to now nos. Of such specialised SME Branches have been opened and more such Branches can be opened at the SME susceptible areas by using order.<br /></span></span></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><span style="color: #b45f06;">Eligibility clients for IBBL SME Loan</span> </span></span></span></h3>
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><br /></span></span></span></div>
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<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">Only for Bangladeshi Citizens</span></span></span></li>
<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">Owner of Private Limited Company/Proprietorship/ Partnership/ Company or Business </span></span></span></li>
<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">Up to date Trade License, VAT Registration, TIN etc.</span></span></span></li>
<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">Repayment assessment by Bank Authority Like Source and capacity cash flow</span></span></span></li>
<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">No objection from CIB report</span></span></span></li>
<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">Proper business facility and skill manpower with required experience</span></span></span></li>
<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">At least 3years of business Experiences.</span></span></span></li>
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<span style="color: #b45f06;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><br />SME Investment</span></span></span></h3>
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><br /><span style="color: #38761d;"><b>Purpose of Investment</b></span></span></span></span></div>
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<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">To meet Capital Investment for project establishment and Business improvement. </span></span></span></li>
<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">Increase working capital to improve the Business (like overhead expenses or Procuring of Raw materials & trade goods, etc.).</span></span></span></li>
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><span style="color: #38761d;"><b><br />Mode of Investment</b></span></span></span></span></div>
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<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">Capital Investment: </span></span></span></li>
<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">Working Capital</span></span></span></li>
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><span style="color: #0b5394;"><b>Special Schemes under Imslami Bank SME Loan:</b></span></span></span></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">IBBL has been financing SMEs by way of the following detailed schemes below SME apart from above recounted modes and purposes of Investment</span></span></span></div>
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<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">Women Entrepreneurs’ Investment Scheme (WEIS)</span></span></span></li>
<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">NRB Entrepreneurs’ Investment Scheme (NEIS)</span></span></span></li>
<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">Micro Industries Investment Scheme (MIIS)</span></span></span></li>
<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;">Small Business Investment Scheme (SBIS)</span></span></span></li>
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><b><span style="font-size: small;">Minimum Growth Rate: 10-20% </span></b></span></span></span><br />
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<span style="color: magenta;"><span style="color: magenta;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><b><br /><br />Others bank SME Loan</b></span></span></span></span></span><br />
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<ol style="text-align: left;">
<li><a href="http://www.bracbank.com/SME-Bizness-Loan.php" target="_blank"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><span style="font-size: small;">BRAC Bank Limited SME Banking</span></span></span></span></span></a></li>
<li><a href="http://www.ificbank.com.bd/sme_banking.php" target="_blank"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><span style="font-size: small;">IFIC Bank Limited SME Banking</span></span></span></span></span></a></li>
<li><a href="http://idlc.com/jica_sme_loan.php" target="_blank"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><span style="font-size: small;">IDLC Finance Limited SME Loan</span></span></span></span></span></a></li>
<li><a href="http://www.trustbank.com.bd/sme-banking" target="_blank"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><span style="font-size: small;">Trust Bank Limited SME Banking</span></span></span></span></span></a></li>
<li><a href="http://www.sonalibank.com.bd/sme.php" target="_blank"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><span style="font-size: small;">Sonali Bank SME(Small & Medium Enterprise) Loan </span></span></span></span></a></li>
</ol>
<span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"><span style="color: #444444;"><b><span style="font-family: "arial" , "helvetica" , sans-serif;"> </span> </b></span></span></span></div>
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Unknownnoreply@blogger.comtag:blogger.com,1999:blog-2520736924479309145.post-21858921969308809042016-08-30T20:05:00.001-07:002019-11-22T22:00:30.988-08:00Home Equity Loan .<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><span style="font-size: large;"><br /></span></span></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg4oXHjV2VdC2efuhl-rdceGpW2lWdunuC0sgN9vf4dcEgIu04SOuN64Wy2_KUWA-NwjhTMnGlvKfxcX4wpWEbRn9tIA0HRxcRmm8juyROgTCJrDsl7tRhDKnakTvU0T5wR_3YdDnyxSzm3/s1600/home-equity-loans.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img alt="Home Equity Loan" border="0" height="131" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg4oXHjV2VdC2efuhl-rdceGpW2lWdunuC0sgN9vf4dcEgIu04SOuN64Wy2_KUWA-NwjhTMnGlvKfxcX4wpWEbRn9tIA0HRxcRmm8juyROgTCJrDsl7tRhDKnakTvU0T5wR_3YdDnyxSzm3/s200/home-equity-loans.jpg" style="cursor: move;" title="Home Equity Loan" width="200" /></a><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><span style="font-size: large;">Home Equity Loan is a loan you can use for any purpose you want. Vacations, car, education? With Millennium Home Equity Loan that you may manage to pay for whatever!</span></span></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><span style="font-size: large;"><br />Why choose Millennium Home Equity Loan?<br /><br /> Attractive interest rates and an option to lower the spread by 0.5 p.p. within the lending period</span></span></span></div>
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<li><span style="color: #134f5c;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"> Loan Range : 70% real estate,</span></span></span></li>
<li><span style="color: #134f5c;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="font-size: large;"> Total lending period : 25 years.</span></span></span></li>
</ul>
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><span style="font-size: large;"><br /><span style="color: #0b5394;"><b>Additional benefits:</b></span></span></span></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><span style="font-size: large;"> Appealing margins and curiosity rates and an option to decrease the unfold by using 0.5 P.P. Within the lending period</span></span></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgQVLJRmSVGwaa34vs3GW1ZPEhMYvwX8m3kSiPGhiyXbazFvlHri_XzMqY3wcyTcpu2KafwqxRZeQusXWb736ucRo9OxxJDmppv93VB6xcN9Y06CmR4qN6b4Ibd-DGd0uLigXW_bBe8uDYb/s1600/home-equity-loan.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Home Equity Loan" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgQVLJRmSVGwaa34vs3GW1ZPEhMYvwX8m3kSiPGhiyXbazFvlHri_XzMqY3wcyTcpu2KafwqxRZeQusXWb736ucRo9OxxJDmppv93VB6xcN9Y06CmR4qN6b4Ibd-DGd0uLigXW_bBe8uDYb/s1600/home-equity-loan.jpg" title="Home Equity Loan" /></a></div>
<ol style="text-align: justify;">
<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><span style="font-size: large;">Quick Processing Time</span></span></span></li>
<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><span style="font-size: large;">We accept of numerous sources of earnings - in Millennium you will be granted a loan, when you have contract of unspecified or precise period, earn centered on Civil law contracts (e.G. Contract of mandate or contract to perform a distinctive mission), as well as when your run your possess industry (and are ready to provide the financial institution with suitable accounting and tax files).</span></span></span></li>
<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><span style="font-size: large;">Comfort - a quantity of mortgage provider services, e.G. Loan vacations or grace period<br /> </span></span></span></li>
<li><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;"><span style="font-size: large;">Friendly consumer service - numerous consumer-friendly internet choices facilitating mortgage provider (e.G. Choice to put up order of previous loan compensation, loan vacation trips, alternate of installment date etc.).</span></span></span></li>
</ol>
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<span style="color: #666666;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><a href="http://idlc.com/Personal-Loan.php" target="_blank"><b><span style="color: #666666;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Read Mo<span style="font-family: "arial" , "helvetica" , sans-serif;">re:</span></span></span></b></a></span></span><br />
<br />
<span style="color: #666666;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: #666666;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b><span style="color: #0b5394;"><a href="http://mortgage-loan-bd.blogspot.com/2016/08/idlc-finance.html" target="_blank">Home Loan</a>, <a href="http://mortgage-loan-bd.blogspot.com/2016/08/ebl-auto-loan.html" target="_blank">Auto Loan</a>, <a href="http://mortgage-loan-bd.blogspot.com/2016/09/idlc-personal-loan.html" target="_blank">Personal Loan</a>, <a href="http://mortgage-loan-bd.blogspot.com/2016/08/home-equity-loan_30.html" target="_blank">Home Equity Loan</a>, </span></b><span style="font-family: "arial" , "helvetica" , sans-serif;"><b><span style="color: #0b5394;"><a href="http://mortgage-loan-bd.blogspot.com/2016/08/debt-consolidation-loans.html" target="_blank">Debt consolidation Loan</a>, <a href="http://mortgage-loan-bd.blogspot.com/2016/09/sme-loan.html" target="_blank">SME Loan</a></span></b></span></span></span></span></span></span></div>
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Unknownnoreply@blogger.com