Banking & Insurance Professionals
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Activity:
18 views;
last activity : 09 13 2010 17:03:11 +0000
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Loans With Low Interest Rate
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Cash Credit, Term Loan and Non-fund based limits
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Active Loan management
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Easy processing
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loan with best risk and return assessment which can save liquidity and cash flow management
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This is a feature that anyone will look for in any loan. But every loan product will have its own characteristic hence we need to discuss this feature in detail. |
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dear friend,
As i am not much known about all kinds of loan but still its better study and understand the all types of loan and act according to the situation. which we feel better and safe at that time for that we should go. but still taking loan is not fare thing. but dont go with out knowing about loan
hi mam,
sry to interept u mam but hope u understand my feeling here . Wat u r talking here i think the idea u r given here is only benifincial only in case of when the all doors of getting money colse although m satisfy with ur view that business perspn need a loan like as u mention here but acc to me there r so many way to getting the same
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A business man may require the following type of loans 1Cash Credit facility to meet his short term needs and also to pool his cash inflows in the lean season, Banks are fixing lean season and Season limits. 2. Term Loans for funding his long term requirements like getting new machinery, new structure in view of increase in business etc. 3. Non fund based limits like Bank Guarantees, Pre-shipment and post-shipment credit for export needs, Letters of Credit, and finally Deferred Payment Guarantee. 4. Bill Limits is another option. They are of two types Clean Bills and Documentary Bills. All these can be explored for various needs of business. |
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A general interest rate cycle lasts for 4-5 years, so big business houses should those subscribe to floating or fixed rate loans depending on the view their company has (treasury guys come in picture here). For SME's I feel loan from individual lender is a better option because a normal interest rate that is currently charged is around 15% p.a. and 3-4% extra for ocnstruction, stock broking (riskier) firms. But out here they are atleast free from all documentation process. Secondly, on personal contacts you can delay the interest payment (if there is solid crunch) |
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Mostly business people like to have loans that have simple & fast processing. Money is important for any business & delay in processing is appreciated. Thus a loan that has faster processing & low processing fess is welcomed by business people. |
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loan with best risk and return assessment which can save liquidity and cash flow management
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loan with best risk and return assessment which can save liquidity and cash flow management
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