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Cabin Crew Career Guide

Pragati Srivastava [ Air Hostess ]

Capt Shekhar Gupta [Pilot]

Language: English

Cost : USD $100 [ International ]

Indian INR 699

Pilot’s Career Guide
By
Shekhar Gupta
Rating: Not yet rated.
Published: July 13, 2013
Language: English
ISBN: 9781301650040

Pilot’s Career Guide

Nonfiction » Career Guides » Education

Nonfiction » Career Guides » Transportation

Cover for 'Pilot’s Career Guide'
By
Shekhar Gupta
Rating: Not yet rated.
Published: July 13, 2013
Words: 26,240 ( Approximate )
Language: English
ISBN: 9781301650040
Cost : USD $100 [ International ]
Indian INR 1,000

#LOAN #HOME #SEEKER #APPLICATION #BORROWER #MONEY #BANK #PROPERTY #CONTRACT #INSOLVENT #REPAYMENT #EDUCATION # WEEDING #DEBT #EMIs

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Banking

BANKING

Banking is inculcating saving habit, mobilising resources from public for lending to needy sections of the society for Economic & Social Developmen

Objective:

i. To inculcate & encourage saving habit among the public. Saving from their earnings for the future

ii. To mobilise the savings from public by offering reasonable return to encourage them ( keeping in mind cost of deposits, inflation etc.). This will be very helpful for Poor,MiddleClass and Senior Citizen.

iii. Also from the customer's angle, their hard earned money is saved for the Future Exigency, the Amount so Deposited earns return ( as Interest) and the money is safe, secured and has liquidity.

iv. Public can withdraw their savings at their will for their purpose.

v. To channelise the savings mobilised to Finance the needs of Manufacture, Trade, Business, Agriculture,Education, Housing, Health Care etc. to needySections of Society.

vi. When Banks lend for productive purpose ( not for speculative purpose) it generate Employment, it develops Economic Growth and above all Empower the underprivileged & Downtrodden.

"""Social banking in India:''''''

In 1970, our former PM Indira Gandhi, by Nationalising the Banks in India has ignited Social Banking. ie., from class Banking to Mass Banking. Prior to Nationalisation, banks were Privileged & Exposed to a particular Section of Society and Public could not Access their Service.

Since 1970, post Nationalisation of Banks, Economy has Witnessed lot of changes in Banking. Indian Banks Financed liberally to Poor & weaker sections ( particularly from rural & villages) to enable them to undertake Agriculture, farming, handicrafts, small trade, Self Employment etc. Govt of India continues to Enlarge Social Welfare schemes to ensure that Poverty is Alleviated & Neglected sections of society live with dignity & self respect.

Major Development in banking in India is that poor & common are able to Access banks for their needs, they are able to avail loans at reasonable rates without insisting for collateral security and their terms & conditions are being regulated by RBI.

Banking is an industry that handles cash, credit and other financial transactions. Banks provide a safe place to store extra cash and credit. They offer savings accounts, certificates of deposit and checking accounts. Banks use these deposits to make loans. These loans include home mortgages, business loans and car loans.

Banking is one of the key drivers of the U.S. economy. Why? It provides the liquidity needed for families and businesses to invest for the future.

Bank loans and credit mean families don't have to save up before going to college or buying a house. Companies can start hiring immediately to build for future demand and expansion.

""""

How It Works""''

Banks are a safe place to deposit excess cash. That's because the Federal Deposit Insurance Corporation insures them. Banks also pay a small percent, the Interest rate, on the deposit.

Banks can turn every one of those saved dollars into ten. They are only required to keep 10 percent of each deposit on hand. That regulation is called the reserve requirement. Banks lend the other 90 percent out. They make money by charging higher Interest rates on their loans than they pay for deposits.

"""

Types of Banks

'''''

The most familiar type of banking is retail banking. This kind of bank provides money services to individuals and families. Online banks operate over the internet. There are some online-only banks, such as ING and HSBC.

Most other banks now offer online services. Savings and loans target mortgages. Credit unions provide personalized service but only serve employees of companies or schools.

Commercial banks focus on businesses. Most retail banks also offer commercial banking services. Community banks are smaller than commercial banks.

They concentrate on the local market. They provide more personalized service and build relationships with their customers.

Investment banking was traditionally provided by small, privately-owned companies. They helped corporations find funding through initial public stock offerings or bonds. They also facilitated mergers and acquisitions. Third, they operated hedge funds for high net-worth individuals. After Lehman Brothers failed in 2008, other investment banks became commercial banks. That allowed them to receive government bailout funds. In return, they must now adhere to the regulations in the Dodd-Frank Wall Street Reform Act.

Shariah banking conforms to the Islamic prohibition against Interest rates. Also, Islamic banks don’t lend to alcohol, tobacco and gambling businesses. Borrowers profit-share with the lender instead of paying Interest. That's why Islamic banks avoided the risky asset classes responsible for the 2008 financial crisis. (Sources: "Sharing in Risk and Reward," Global Finance, June 2007. "Islamic FinanceIs Seeing Spectacular Growth," International Herald Tribune, November 5, 2007.)

Central Banks Are a Special Type of Bank

Banking wouldn't be able to supply liquidity without central banks.

In the United States, that's the Federal Reserve. The Fed manages the money supply banks are allowed to lend.

The Fed has three primary tools:

The reserve requirement lets a bank lend up to 90 percent of its deposits.

The fed funds rate sets a target for banks' prime Interest rate. That's the rate banks charge their best customers.

The discount window is a way for banks to borrow funds overnight to make sure they meet the reserve requirement.

In recent years, banking has become very complicated. Banks have ventured into sophisticated investment and insurance products. This level of sophistication led to the banking credit crisis of 2007.

How Banking Has Changed

Between 1980 and 2000, the banking business doubled. If you count all the assets and the securities they created, it would be almost as large as the entire U.S. gross domestic product

Conclusion:

Banking in India has played a vital role in empowering rural poor & underprivileged masses to have access, empower them. But still a long way to go.

Latest development: Prime Minister's Jan Dhan Yojana- a scheme for inclusive growth by opening banks accounts by each household without much of hastle, and Govt crediting directly the subsidy/ other benefits to their savings account. Also Govt provides insurance to those who opened the accounts. This is a great welfare measure and must continue still social inequality/ injustice is rectified in our society.

HARSHITA TIWARI

Intern FinTech

http://www.fintech-start-up.com/2018/02/banking.html

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Cabin Crew Career Guide

Pragati Srivastava [ Air Hostess ]

Capt Shekhar Gupta [Pilot]

Language: English

Cost : USD $100 [ International ]

Indian INR 699

Pilot’s Career Guide
By
Shekhar Gupta
Rating: Not yet rated.
Published: July 13, 2013
Language: English
ISBN: 9781301650040

Home Loan

""" Home Loan''''''

• A home loan is the money that a lender offers you to buy a property. The lender takes the property as a security for the home loan

• The property can be a personal property or a commercial one

• In the case of non-payment of dues, the lender can retrieve the loan money through the sale of the said property.

Types of Home Loans:

• Home Purchase Loan: This loan is taken to buy a home

• Home Improvement Loan: This loan is taken to fund the repair or renovation of a home

• Home Construction Loan: This loan is taken for constructing a new home.

• Land Purchase Loan: This loan is taken to buy a piece of land.

• Home Extension Loan: This loan is taken for expanding an existing home. For example, you could use it to add another room.

• Joint Home Loan: This is a loan that can be taken by two or more people.

• Home Loan Balance Transfer: This allows you to transfer the balance on your current home loan to a new loan structure.

• Top Up Home Loan: This allows you to borrow money over and above your initial home loan amount. Bajaj Finserv offers attractive rates for to up loans.

Online Home Loan application form and get easy approval and we shall take care of the rest. For the offline loan application, you can simply visit any of our branch, call or SMS to know more.cured loan given by a bank against the security/hypothecation of an underlying property. In the event of failure to repay by the borrower, the bank can, subject to laws of India, attach/sell the underlying property and recover the principal amount and any outstanding interest thereon.

A home loan can be availed for buying an under-construction property, resale property or even to construct a house on a vacant piece of land.

Features and Benefits of a Home Loan

Home loan features are unique as compared to other loans.

Few basic features are listed here:

Purpose: For resale or construction, purchase of fully constructed house from builders, extension or renovation of existing house.Loan Amount: Home loans amount totally depends on the requirement; however there is limit is loan amount which is ranging from Rs.2 lac to Rs.200 lac, and this is calculated on applicant’s eligibility, repayment capacity and income.

"'Security""

All home loans are secured wherein collateral is a must.Loan Tenor: 20 years is the maximum loan tenure offered for home loan.Increases the probability of acquiring a house. Many, especially in India will not be able to buy a house will full cash readily available. This is where home loan creates an opportunity for low-class and middle-class community to have a home of their own.This helps in capital appreciation; there is no doubt property prices have boomed in the past 5 years. Investment in home is always a safe and smart move. The value of land always increases and thus appreciation for your investment can be visibly seen within few years.Applicants can avail tax benefit from home loans. Under Section 80CCE of the Income Tax Act, 1961 repayment of principal up to Rs 100,000 on home loan is subject for tax deduction. Once all prescribed conditions are met, this benefit can be availed.

Home Loan plays an important role in helping one with easy availability of your dream home.

There are a number of banks that offer home loans at low interest rate. You may want to either want to buy a new car or construct one; it has few formalities starting from submitting the application for disbursement of loan amount. Keeping basic documents ready in hand saves time and effort.

Home Loan amount varies from person to person depending on the repayment capacity, age and income of the loan seeker, his/her dependents and so on.

The loan is available to those who are eligible for a contract such as any person who is not less than 18 years, must not be insane and should not be insolvent or bankrupt. Loans are offered to salaried individuals, professionals or businessmen or self-employed individuals and NRI’s. Visit JMD Home Loans for more details.

HARSHITA TIWARI

Intern FinTech

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http://www.fintech-start-up.com/2018/02/home-loan.html

Cabin Crew Career Guide

Pragati Srivastava [ Air Hostess ]

Capt Shekhar Gupta [Pilot]

Language: English

Cost : USD $100 [ International ]

Indian INR 699

Pilot’s Career Guide
By
Shekhar Gupta
Rating: Not yet rated.
Published: July 13, 2013
Language: English
ISBN: 9781301650040

#LOAN #HOME #SEEKER #APPLICATION #BORROWER #MONEY #BANK #PROPERTY #CONTRACT #INSOLVENT #REPAYMENT

Education Loan

""""" EDUCATION LOAN""''"

Education is the one area that many people, especially Indians, are willing to spend on. Earning a good education is seen as one of the chief aspirations of millions, if not a billion, Indians and it is the one investment that an overwhelming majority of Indian families will agree on! However, a quality education, whether in India or overseas, can also be quite expensive and an education loan is one way of managing the cost.

Education Loan is becoming popular every day as yearly raising in the fee structure.

All you need is a quality education for your great future. Education is considered as a valuable assest of all you have.

However , Education in premier educational institutes and universities is based on purely merit and some only deserve for it,and in some institutes it is very costly and not easily available to everyone and only a few can afford it.

Thus, education loans are vitally important. So many people apply for educational Loan in banks and financial institutes to pursue their studies for meritorious and deserving students to pursue their higher and basic education in India or aboard.

Almost all banks in India offer education loans, and the demand for it has remained stable with the Indian student community.

"""'Why Education Loan?"""""

Education is Expensive- It is the insuffient money for your education as it is a matter of instant availability.

A good education is expensive and the expenses aren’t changing in a predictable curve.

Specialised Help-The extra amount for caution deposits, library fees, building deposits, laboratory fees, hostel fees etc.

It’s more organized and seamless with an education loan.Widely and Easily Available - Conforming to some basic requirements and confirming your ability to repay the borrowed amount is all it takes to get on-board.Timely Assistance - There is a timely assistance for you to pay your semester fees as sooner as possible.

""""Features & Benefits of Education Loans:""""

When it comes to a complete education loan, the features and benefits offered are the designated deal makers. Commonly, the following conveniences are offered as part of the education loan-

Universally available. Anyone with a will to study can apply.Education loans are provided to pursue all types of academic courses, in India and abroad. The courses include graduation, post-graduation, vocational courses and other certificate courses.Loan amounts can vary from a minimum of Rs.10 lakhs to a maximum of Rs.15 lakhs.

For education abroad, banks will provide loans to the quantum of Rs.20 lakhs.The applicant’s annual family income and the course pursued are primary determinants for the applicable loan amount.

Usually, female students are offered discounts and/or lower interest rates when it comes to education loans.Government sponsored subsidy schemes, such as ‘Central Scheme to provide Interest subsidy (CSIS)’ help students from the economically backward sections of society avail the benefits of a robust loan for education.The applicant need not repay the borrowed amount immediately. Post the completion of the course, the repayment tenure can stretch upto 5-7 years.Generally, loans below Rs.4 lakhs do not require a security or guarantor.

HARSHITA TIWARI

Intern FinTech

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