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Going for a business loan? 5 things you must know


Nowadays, lenders offer a wide variety of loans to choose from. As a businessperson, one has to consider some basic features of a loan before deciding whether the loan is apt for the business.

Here are some features you should be looking out for if you want to opt for a business loan:

1. Low interest rate

Photograph: Simon Cunningham/Creative Commons

This is a feature everyone looks for while considering a loan. A businessperson has an option of a daily or a weekly loan provided by local lenders. However, the rate of interest on such a loan is as high as 3 per cent per month (or 36 per cent per annum; almost similar to a credit card financing).

Besides this, a lesser amount is provided due to advance payment of installment. For a loan of Rs 1000, a local financier would lend Rs 900, Rs 100 being the advance EMI, and charge interest on the entire amount of Rs 1000. This increases the interest payments enormously.

The cheapest loan a business person can avail is loan against property (LAP). The current LAP rates hover around 10 per cent. A cash credit or a bank overdraft facility carries rates ranging from 11-13 per cent, depending upon the turnover of the company, the quality of collateral and the type of business.

A personal loan is an expensive loan since it is an unsecured form of loan. Usually the interest rates applicable to personal loans vary between 16 and 18 per cent but in some cases the rate could be as high as 24 per cent.

2. Low cash outflow

Another factor that needs to be considered while opting for a business loan is the cash outflow. The minimum cash outflow is possible from the bank overdraft facility since only the interest needs to be paid regularly and that too on the amount used.

A project based term loan is also appropriate if payment deferment clauses are attached to it. This is apt for Greenfield (totally new plant) and brownfield (expanding an existing plant) projects.

A personal loan may result in a huge cash outflow. However for a start-up/new business this may be the only option, much better than approaching a local financier.

The ideal way to finance a start-up business is to avail a loan from family or friends at zero or very low interest rates.

A gold/jewel loan is also meant for financing new businesses. Such loans carry an interest rate of 1-1.5 per cent per month. The only drawback of gold loans is that the amount of loan is about 60 per cent of the value of gold.

3. Partial pre-closure without charges

In this respect too, overdraft facility fares better than any other loan.

The next best option after the overdraft facility is loan against property (LAP) as far as ease of repayment is concerned. LAP allows you to pay whenever you have excess cash even if the amount is as small as Rs 10,000, thus reducing the principal amount and the interest.

Personal loans usually do not allow partial pre-closure. Local financiers penalise borrowers for partial pre-closure.

4. Low initial processing fees

Every loan has a processing fee. A personal loan charges a minimum of 2 per cent of the loan amount as the processing fees. Processing fee in case of LAPs lies between 1-2 per cent. There may be an additional fee for legal opinion.

Bank overdraft facility will also charge 1-2 per cent excluding fee for legal opinion and encumbrance certificate.

In a chit fund loan, processing fee is in the form of initial few payments that are required to be made before the withdrawal can be made.

5. Collateral requirement

Every loan, except personal loan and loan from local lenders, require something as collateral. If a person does not have any existing asset s/he is left with the option of a personal loan only.

Among loans that need to be backed by some security, the gold loans have low interest rates and the cash outflow is also low but the quantum of loan is limited.

The second best option is the overdraft facility followed by loans against property.

A loan for a particular need cannot be best suited under all conditions. You should decide on a particular loan only after considering different variables and understanding the scenario.


All-Cash Home Bids Continue Strong As Prices Head Up

After years of propping up the housing market, investors and other buyers who pay cash for homes might become less of a force as prices rise.

But don’t expect cash deals to fall to more normal levels for at least a couple of years.

Cash sales as a share of overall U.S. home sales have fallen on a year-over-year basis for 19 straight months, according to industry researcher CoreLogic (CLGX). But they still accounted for 39% of sales by dollar value in May. That’s down only slightly from 40% a year earlier and well above the 25% average in 2000 through ’05.

In terms of the number of sales, cash sales made up 31% of total transactions in June, the most recent data available. That was down from 33% in May but up from 29% a year earlier, the National Association of Realtors says. The historical norm is around 10%. “I don’t think a decline of a couple percentage points is all that significant,” said Rick Sharga, executive vice president at, a real estate marketplace.

Credit Standards Are Factor

“It can probably be explained by more traditional homeowners entering the marketplace,” Sharga said.

Cash became king after the housing bust. Faced with a cascade of defaults on loans written during the bubble, lenders tightened standards so much that many people, especially single and first-time buyers, couldn’t get loans.

Plunging prices also attracted investors, who swooped in to buy homes well below their market prices of a few years earlier. Some rented the homes out, some fixed them up and flipped them at a profit, and some held them until market values crept up again.

But now lenders are not as tight about approving mortgages, so traditional buyers can get back into the market.

And prices are rising, which makes housing less attractive to investors because it cuts into their margins.

The national median existing-home price for all housing types was $214,200 in June, up 13.5% from a year earlier.

“Rising home prices do turn off investors, who are more likely to be cash buyers,” said Jed Kolko, chief economist at real estate website Trulia (TRLA).

In Line To Buy

Many investors still see values to be had.

Irene Lockel, a licensed real estate broker associate for Netter Real Estate in West Islip, N.Y., says investors are “lining up” to pay cash for homes.

“Many of them want to get in before prices go higher, but that’s not the only consideration,” Lockel said. “They also see an active market where a lot of transactions are taking place, so they are purchasing homes with cash, renovating them and flipping them.

She also is doing a lot of business with trade-down buyers who pay cash for smaller homes. She recently handled cash sales for a couple who scaled down from five homes to two — one in New York and one in South Carolina.

“At this point in life they don’t want to carry mortgages anymore, so they paid cash,” Lockel said.

NAR spokesman Walter Molony says that while the overall percentage of cash buyers has been holding steady this year, the percentage of investors in the market has been trending down. Individual investors accounted for 17% of U.S. home sales in June. That’s down from 18% the previous month and 19% in June 2012.

One reason is that inventory has been drying up at the lower end of the market as the supply of foreclosed and short-sale homes has declined. Sales of homes below $100,000 fell around 20% year over year in June.

“What we are seeing are fewer properties available to investors and first-time buyers,” Molony said.

Investors have also shifted their focus to different geographic markets, Sharga says.

“Early on in the housing slump we saw a lot of investor activity in Phoenix, Atlanta, Las Vegas, Florida — a lot of the markets that really got hit hard during the foreclosure wave,” he said. “As those markets get saturated, investors are moving into secondary markets like the Carolinas, Tennessee and Illinois.

The activity of other types of cash buyers is not changing that much, Molony says. These include buyers from abroad as well as empty nesters looking to trade down to smaller homes.

Meanwhile, another type of cash buyer might help fill the void left by fewer investors, Molony said: “We are seeing more parents paying cash to buy homes for their kids. The kids pay back the loan to their parents at a very affordable rate, and the parents get a better return.

As the housing market stabilizes, analysts expect the share of cash buyers to return to historical levels. But that might be a ways off.

“We will see investor activity and cash purchases revert back to norm at some point,” Sharga said. “But over the short term we will still see unusually high levels of investor activity. A lot of institutional investment dollars have been earmarked to purchase single-family homes to convert into rentals.

And while the combination of higher prices and higher mortgage rates has created a run of sorts in some places from buyers who want to get in the market before prices and rates move even higher, that frenzy could soon cool.

“Rising mortgage rates have raised housing costs even more for people needing a mortgage than for cash buyers,” said Trulia’s Kolko. “Cash buyers might start to see less competition from buyers needing mortgages.”


??? Full Report – Get Payday Loan Questions Answered Here

A lot of people are finding themselves in financial binds. Sometimes financial situations arise that demand extreme measures. Cash advances should never be used to purchase unnecessary items or to cover regular living expenses. If you would like to use a payday loan to take care of your own financial problems, then read on, as the following article contains a little advice to help you get started.

If you cannot repay the loan when due, seek an extension. Most payday loan organizations will offer you a one or two day extension. You should know that you might have to pay some fees if this is the case.

Be wary of lenders who automatically roll the finance charges over into your next pay period. What happens is that people end up paying the fees and charges, without paying for the original loan. It is not uncommon to pay more than quadruple the value of the loan before everything is said and done.

Make sure you borrow only the bare minimum when applying for cash advance loans. The interest rates for payday loans are much higher than bank loans or credit cards, although many people have no other choice when confronted with an emergency. Make sure you keep your costs as low as possible by minimizing your loan amount.

You will encounter plenty of ads for payday loans in these recessed times. In case you are not sure exactly what a payday loan is, it is a small loan which doesn’t require a credit check. This is a short-term loan. These loans are short-term and this means an extremely high interest rate.

Payday Loan

You won’t automatically be denied a payday loan simply because of poor credit. Many of the people who can benefit most from payday advances, don’t attempt to get them because of their bad credit. This is a mistake. Employment will usually put you in the running for a payday loan.

Learn from your experience regarding payday advances. When you took out this loan, you were probably furious because you had to pay almost double the amount you borrowed, due to high interest and fees. This anger can be a force for change, however. If you start squirreling away some money every pay period, you can use that money when an emergency arises instead of going to a payday lender.

Always look as payday advances as your last resort and not as a first choice. These kinds of loans have high interest rates, with the highest being 25%. Explore all your options before deciding to take out a payday loan.

Always consider the APR of a payday loan before choosing one. This factor is most important since it determines how much interest you will pay.

The average APR for a payday loan is around 650 percent. This might be different in another state but that is very high. You might not see this large of a number laid out in your loan contract. However, this doesn’t necessarily mean you are in the clear. Perhaps the information is simply among the small print.

Cannot Afford

Be aware of how much it costs to get a payday loan. Many people are quick to point out how high the interest rates of these loans are, but your desperation for cash may overrule this. Payday lending involves smaller amounts that range from one to several hundred dollars. Fees and interest on loans paid on time generally run from 15 to 30 dollars per 100 dollars borrowed. Work this amount into your budget for your next paycheck, if you cannot afford it, you cannot afford to take out a payday loan.

You should use the information that you have just learned! Remember that a payday loan is a temporary solution but could be the best way to take care of an emergency. You only need to find the nearest lender to apply for the payday loan, and your immediate problem can be solved.

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Receive a Pay Day Loan If Times Are generally Tough » Hellofor …

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But I was able to experience the ride for which it was, a vintage out in addition to back rollercoaster, a bit difficult and tumble, with some awesome moments connected with airtime for its extreme outbound mountain tops On the other hand, with Brendan Rodgers creating the change in order to Liverpool Football team, it is believed that this switch the signal from Swansea City Soccer team could be hijacked by the Merseysiders A number of buy listed here pay here car dealerships enable, or encourage, bi-weekly car obligations making them seem like an affordable alternative to popular one monthly payment Up against the euro, this particular currency will certainly devalue through around 50%, efficiently defaulting on over half of all Language of ancient greece euro-denominated debts Sum obtained from debit card payday advances can be easily employed to accomplish many short term economic necessities similar to car restoration, minor small remodels, paying regular bills, child’s tuition fee, buying a brand-new handset, spending unexpected medical bills, making equal payments, credit card expenses, small traveling expenses, etc A manager of 1 debt resolution firm noted that he had seen cases where men and women had too many 20 payday cash loans Besides them, the candidates do not have to home loan any kind of important collateral since security since fast payday cash advances do not consist of any assets tension

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CBA says rates could fall without RBA move

Commonwealth Bank says its home loan rates could be cut independently of cash rate movements, as improving economic conditions helped it post another record profit.

Australia’s largest home lender made a net profit of $3.66 billion in the six months to December 31, up one per cent on the same period in the previous year.

Its cash profit, a measure preferred by banks as it illustrates underlying performance, was up six per cent on the previous corresponding period to a record $3.78 billion.

The better-than expected profits pushed CBA shares to a record high, and put the bank on track for another record full year profit near $7.6 billion.

CBA’s retail bank was a standout performer in the six months to December, in part due to higher margins as interest rates fell by less than the cash rate.

The Reserve Bank of Australia cut the cash rate by 125 basis points to three per cent in calendar 2012, while CBA’s standard variable mortgage rate was cut by just 90 basis points to 6.4 per cent.

With the cost of wholesale funds easing, analysts have raised the prospect of major banks lowering interest rates outside of any further moves by the RBA.

CBA chief executive Ian Narev on Wednesday confirmed that could happen.

“I’m not allowed to say anything on future prospects for pricing,” he told reporters.

“What I could say is that it is a competitive market, and if we reached a different environment in terms of both the volatility and the cost of funding, that is conceivable, yes.”

But he said the cost of attracting deposits from consumers still focussed on saving rather the spending continued to negatively impact profits being made from deposit accounts.

Nonetheless, Mr Narev issued a promising outlook for the Australian economy, another factor behind the bank’s strong share price rise.

Improvements in Europe and the United States had reduced the level of global economic volatility in recent months, he said.

“That volatility will remain lower, and as it keeps remaining lower month on month, we will see a slow and steady rebuilding of confidence in the Australian economy from both consumers and businesses,” Mr Narev said.

The bank also increased its interim dividend to shareholders by 20 per cent from a year ago to $1.64.

Morningstar analyst David Ellis described CBA’s result as “a cracker”, well ahead of expectations of a cash profit of $3.7 billion.

“Australia’s largest bank continues to prosper due to better margins, higher trading income, a recovery in wealth management and productivity improvements,” he said.

The company’s shares gained $1.59, or 2.43 per cent, to $67.11, after hitting a record high of $67.38 during the day.


Use payday loans for urgent cash needs | Make It Your Business

No one wants to be at the mercy of their finances; not being in control of your money is scary. But, unfortunately, we’ve all been there or are likely to be there soon, due to the deteriorating state of the current economic market.

So, how can you remain in full control of your finances in these tough times? One option that you may not have considered, simply because you’re not aware of it, is taking out a payday loan to cover your back during your financial hardship. These types of loans are short-term cash advances which can be repaid as early as your next payday; meaning you’re never in long term debt.

These loans are relatively new to the market, when compared to the other traditional financing options, such as long term secured loans. So you may be feeling a little in the dark in regards to your knowledge on their terms, features and repayment times and so on. But, fear not, here you will find out all the things you need to know about payday loans. Here are the key facts you need to know about when considering taking out a payday loan to solve your financial problems:

  1. 1. Quick approval time: This is the main factor working the favour of payday loans. Many people opt for this as their choice of finance as they need to get their hands on the required cash fast. Since payday lenders don’t perform a credit check the approval time is considerably faster than the time taken to approve a traditional loan agreement.
  2. 2. No collateral: Due to the unsecured nature of these loans, the collateral usually used as security for the lender, is not required. This allows people who don’t possess particularly expensive assets the opportunity to finally avail a loan. This is also another reason as to why the approval time is so quick; because there is no hassle surrounding paperwork and penalties etc.
  3. 3. Bad Credit: It’s a well known fact that nearly every single lender will base any financial decision upon your credit history. So, up until now, if you’re plagued with a poor credit rating, whether it’s your fault or not, you’ve most probably been unable to get approved for any type of loan. Well, payday loans put a stop to this discrimination; they’re there to offer financial support to those who are otherwise snubbed and left defenceless, with nowhere to turn.
  4. 4. Minimal approval criteria: Another factor which sways the decision of customers is the minimal approval criteria. Unlike traditional loans, which require you to produce a seemingly endless amount of paperwork and evidence of employment, identity etc, payday loans only need you to satisfy the following points:

You must be 18 years old or above You must be in permanent employment You must have a valid bank account You must have a valid, active email address to aid any further communication with the lender […]

ANZ keeps lending rates on hold

ANZ Banking Group has opted to keep its home loan rates on hold after the Reserve Bank of Australia’s decision to not cut the cash rate in July.

ANZ said its standard variable interest home loan rate would remain at 6.8 per cent and its small business loans steady.

The decision was made at ANZ’s monthly interest rate review meeting on Friday.

ANZ chief executive Australia Philip Chronican said the decision to keep lending rates on hold was made despite the higher funding costs facing the bank.

He said as ANZ needed to remain competitive, it chose to keep rates on hold.

“We know that many Australians are feeling uncertain about the global economy and with household budgets under increased pressure this was another factor in our decision this month,” he said in a statement.

The Reserve Bank on July 3 held the cash rate at 3.5 per cent after cuts in the two previous months.

The central bank had previously cut the cash rate by half a percentage point in May, and a quarter of a percentage point in June, citing instability in Europe and a mixed outlook for domestic growth.

Mr Chronican said while offshore funding markets used by the banks to source money to lend to customers had begun to stabilise, the situation still remained volatile.

Competition between Australian banks to attract savers also remained strong, particularly with term deposits.

He said while customers benefited from the competition, which has lifted interest rates on savings accounts, it was putting pressure on ANZ’s margins.


Juss Free Vector Art » Blog Archive » Low Interest Payday Loan …

Low Interest Payday Loan: Theres No Such Factor

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Are you looking for low interest payday loans? If so, you will probably be looking for a lengthy time simply because payday loans are notorious for their outrageous interest rates. Payday loans were created to fill the want for emergency cash and men and women in that scenario usually cant afford to be concerned with the interest rates on the loan. They are in need to have of the income, no matter how much it will cost to repay it.

As you can envision, considering that there is genuinely no such thing as low interest payday loans, people often get into an economic mess by taking out payday loans. The payday loan has to be repaid in full in an extremely brief amount of time, usually two to 4 weeks. And because these are not low interest payday loans, there is an further fee tacked on of about ten%.

Payday loans perform like this you offer the proof to the payday loan business of your identification, banking info, and employment history and then the payday loan firm will determine how much funds you can borrow. The quantity will differ depending upon your earnings and could be anywhere from $50 to $1000.

The reason men and women are attracted to these kinds of payday loans is since there is no credit verify and they get the cash funds in just a matter of minutes. The dilemma with the payday loan is that it must be paid back in full, plus interest, on the date of your subsequent payday, and because these are not low interest pay day loans, the costs add up alarmingly fast.

That is very tough for somebody who is in monetary distress so what occurs to a lot of individuals is that when payday comes and they spend back the loan, they dont have any cash left more than so they have to take out yet another payday loan and it creates a vicious cycle that is challenging to break out of. This takes place in component since these are not low interest payday loans.

Legally, a payday loan cannot be renewed it has to be paid off and then can be taken out once again in 24 hours. But by taking it out once again in 24 hours which many individuals are forced to do, it tends to make the interest on the loan skyrocket.

Remember, these are not low interest payday loans. For example if you had been to borrow $300, you may have to spend back $335 in two weeks. If that leaves you broke and you have to take out the loan once more, you will pay back another $335 in two a lot more weeks. So in the span of a month, you will have paid out $70 in interest on a $300 loan. That is an extra $70 taken from you that you couldnt spare in the first location so the chances of you ever getting in a position to escape the clutches of the payday loan cycle get slimmer as time goes by.

In essence, you wind up paying $70 per month for the privilege of borrowing that initial $300, till you are in a position to spend it off and walk away from the payday loan location for excellent.

For some folks, payday loans can be a lifesaver, but only if they will be able to spend it off and nonetheless have income left more than on payday. Considering that these are not low interest payday loans, for these in a severe monetary bind, taking out a payday loan can leave them a lot worse off.f

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Tips to manage your home loan

The RBI recently brought in a ruling effective February this year to curb property values from being inflated. According to the new rule, stamp duty, registration and other taxes such as VAT and service tax will be excluded when property value is considered for determining the loan amount.

Now, this means that borrowers need to pay it as part of their down payment. This news, however, should not be taken in the negative light by the borrower. It’s actually a blessing in disguise.

Because, the more the down payment, the lower will be the loan amount and interest cost.

In fact, borrowers should strive to increase the down payment as much as they can. This will not only help save on interest cost but will also reduce the time to repay the loan.

Time the purchase

It is a good idea to choose a time when builders try and promote the sale of property with attractive discounts.

This typically happens during the period before interest rates begin the downward trend, when builders like to quickly sell out slow moving projects that had accumulated during a high interest regime. In fact, the time now is ideal as the exact scenario described above is unfolding now, with interest rates expected to decline anytime in the next few months.

You should take a home loan now to cash in on the falling rates, which will help you lower the interest cost of your loan.

Make partial prepayments

You can use part of your savings to prepay the loan, thus reducing the tenure.

If your loan amount is well within 40 per cent of your income, you could easily set aside money to prepay at regular intervals. From your savings try and set aside 10- 20 per cent of your income for home loan repayment. Accumulate this amount every three months and make a quarterly prepayment.

With most housing finance companies and some banks having done away with pre-payment charges, this is a good incentive to prepay. Even if there are pre-payment charges, please note most banks do not charge a penalty for partial prepayments up to a certain limit. Verify these details before you plan your loan prepayment and make the most of it.

Move to bigger home

Typically a home loan has a very long tenure and the cycle is filled with highs and lows in interest rates, which can easily stretch the loan to several years unless you actively follow some the steps detailed above to repay your debt quickly.

After the first 5 or 6 years of your home loan, you might want to shift to a bigger house or a better location as your needs dictate.

In such an instance, you can post a discussion with your bank, sell your existing home for a nice profit, and repay the remainder of your loan. You can then shift to a bigger home with a new home loan and a higher down payment. On an average it is best to restrict your loan tenure to 10 years if you opt for a 20-year loan. Factor in your career prospects, increase in passive income, spouse’s income, accumulated savings etc. and optimise the benefits from these factors to close out your debt. Living debt free should be a personal goal that you should strive for especially when the years roll by!

(The author is Head, Content & Research at

Keywords: Home loan, Property, partial prepayments, Savings, interest rates, borrowers


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Bad Credit Payday Loans – Resolving Short Term Financial Problems

Are you looking for a short-term loan? Do you need to pay your credit bills? Or you fall short of money at the end of every month?

Don’t worry apply for a bad credit pay day loan.Bad credit Payday Loans are the best choice to make. These loans solve all your short

term financial problems readily and easily.

The distinguishing factor among these bad credit Payday Loans is that they are easily available on the internet and the process is

very quick. You don’t need to submit any kind of documents or to fill any paper forms, all you need is just an internet connection and

a bank account to which your loans will be transferred. The lender of the bad credit pay day loan will not even ask you to provide any

kind of collateral for these loans. The only thing you need is to prove the lender that you have the power to pay back. This can be

proved by identifying your monthly income that you are receiving from your current job.

These loans should not be used as a regular borrowing option as they only deal with your short term credit borrowing. The interest

rate charged on these loans is high due to the ease in their availability, so while making your buying decision you should also

consider the factor of paying back and should adjust the amount according to your ability to payback. So therefore you don’t need to

wait any further for the month to end, just apply for a bad credit pay day loan online and fulfill all your needs.