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Financial food for thought
India is truly an emerging market in the world. India owes a huge part of its growth to the micro, small and medium enterprises (MSMEs) sector.
Loan-to-value (LTV) ratio is an evaluation of lending risk which is considered by financial institutions and other lenders to examine the approval of any mortgage.
A prepayment penalty, also known as an early payoff penalty, is a fee you will have to pay if you pay back your loan ahead of the predetermined schedule.
In the modern and urban lifestyle of today, it’s impossible to handle all of one’s financial requirements without resorting to loans.
Are you finding it increasingly difficult to repay your car loan EMIs on time? Life is unpredictable and there are plenty of situations that can lead one to a financial crisis.
The growth of a business is hugely dependent on the continuous flow of funds and that may be required to fulfil an order, purchase equipment, expand the business, pay to the workforce, etc.
Parents strive to provide quality education to their children as it is deemed essential for a successful life.
India is an agrarian society. A vast section of our economy depends on agriculture and allied industries.
Are you finding it difficult to pay your car loan EMIs on time? With a looming economic crisis, a large percentage of car owners are finding it increasingly challenging to pay car loan EMIs on time.
A line of credit (LOC) is an open-ended loan which can have multiple uses. It is a kind of revolving loan that is somewhat similar to a credit card.
Loans and lines of credit allow consumers and businesses to borrow money for making purchases or incurring expenses.
You are looking to purchase your dream home. After rounds of selection, you have finally found the ideal place that ticks all the requirements of your dream home.
An old adage says don't borrow more than you can repay. In other words, one should borrow as little as possible and repay as quickly as possible.
Agriculture is one of the main occupations in India with as much as 65% of the families deriving income from it and accounting for 40% of the national income.
A lot of individuals take loans at various junctures to meet their different financial requirements. However, when they are faced with a financial crunch during this time, there could be outstanding payments towards these loans.
Life is unpredictable. You may have planned your monthly budgets, investments, retirement funds and more, but suddenly out of the blue life throws a curveball at us. There are plenty of situations in life, where emergency loans become necessary. A medical emergency in the family, immediate home repairs after the monsoon season, vehicle repairs after an unexpected accident, a sudden trip with friends – are some of the many circumstances, where we require cash fast.
One avails loans to meet various needs in life, like home loans, vehicle loans, personal loans, education loans, business loans and so on. A major responsibility is then to repay these loans. One can go for the more common ‘repayment throughout the entire loan term’ or a few opt for ‘Prepayment or Foreclosure of their loans’.
Large scale industries have never had any difficulty in securing credit for their enterprises, because of the perception that they offer the highest employment opportunities to the general population. It is shocking to find out that, large industries employ only 1.25 crore people countrywide. It is the small scale industries which falls under the unorganized sector that employs around 12 crore people in the country.
The home is where the heart is! This statement holds true and that is why everyone likes to own a beautiful home, with the best fittings and interiors, etc. Many a time it so happens that while going in for home individuals like to be on the conservative end due to the exorbitant cost of owning a home that they do not factor in the cost for the home beautification. The need for beautification or improving a home may also come up a few years down the line, after the purchase of the house.
The SMILE initiative from SIDBI was introduced to give a boost to the ‘Make in India’ campaign. This scheme provides soft term loans to MSME enterprises to meet the debt-equity ratio for their establishment.
The National Minorities Development & Finance Corporation (NMDFC) has numerous financial funding schemes in place to encourage entrepreneurs from the Minority population in setting up their business units. One such scheme is the Term Loan Scheme – Credit Line 2 under the Self Employment Lending Scheme.
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