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Finance

Commercial Birla Tisya Apartment Prospects in India

Over the past five years, India’s commercial real estate has risen quickly and has reshaped Indian architecture.

Commercial Birla Tisya Apartment India is a leader in the field

1. India has a population of 1.1billion and a workforce that numbers 496.4m. This makes it a huge market for Indian real estate investors. India’s competitive advantage in real estate is due to its high quality intellectual capital and cost efficiency.

2. Future prospects for the realty industry are bright with a 30% growth rate and a 30% average return rate.

3. Recent research shows that revenue generation will increase from $14 billion to $102 trillion over the next ten years, according to recent data. For NRIs investing in real estate India. The return has been more than lucrative. They believe India has not yet tapped 20% of the market.

4. The Government has encouraged foreign capital growth by easing FDI regulations and providing tax incentives to NRIs. A 25% return on investment for global investors in India real estate can be expected.

India’s commercial real estate peak

o Organized Retail: The rise in mass consumption has prompted shifting patterns in luxury goods consumption and purchasing power. Many corporate houses have entered retail. RPG Spencer is the largest South Indian retailer with FoodWorld, MusicWorld and Health and Glow. Birlas, Tatas, and now Reliance are also major players. This is why there are so many shopping centers and retail projects.

Entertainment: This is the most important aspect of urban architecture. Multiplexes, hotels, and a boom in commercial real estate India have transformed it.

o Job scenario. India promises a better workforce, as well as cheap labor. India has attracted thousands of ITES, telecomm, and IT companies to establish offices there.

Why should investors be encouraged invest in real estate

Grant Thomton, an international and audit firm that specializes in business consulting, ranks India number one among 30 countries with medium-sized businesses. This is ahead of China and Europe. Surprised? Surprised?

India is more experienced in raising capital and lending than China. Look at the rise of Bombay Stock Exchange, as well as the existence of major banks such ICICI and HDFC. These points have been a huge encouragement for global players such as Morgan Stanley, which has invested $68 millions in India real estate.

Conclusion

India is a leader in real estate investment. India has a vast potential to build infrastructure and increase investment returns by half. India is a preferred destination for real estate investments because of its higher yield on commercial realty.

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Finance

Advice and Guides for Home Loans infoo

A home infoo is one of the largest investments that people will make in their lives. People only seek out reliable guides to help them choose the right options and make the right decisions. It is important to learn as much information as possible before you sign any home loan agreement. People turn to websites for information and advice on mortgages. The internet can be a great resource, providing information on almost anything. These home loan guides can help you get the best home loan advice to get you started on your journey to finding that dream home.

A high credit score is essential. Your chances of getting loans at great interest rates are higher if you have a high credit score. This is because you’ll be eligible for better financing at higher rates if you improve your credit score. You can also assess your debt-to income ratio to determine how creditworthy you are. This simply measures your income against your debt. This ratio will determine your likelihood of getting better home loan deals. You don’t need to be a mathematician or technical expert. After all, how much do you really know about the ratio of debt-to-income? It’s possible to simply evaluate your income and expenditures, or use an online calculator to get a better idea of your credit score.

Once you know your credit score, it is possible to apply for a loan. Home loans are one the most popular loans. This is due to their ease of application and processing. There are many mortgage markets available to you, as almost everyone who applies for one would have unique needs that the lender would need. You can find general information on this topic by going online. Websites are great sources of information, but if you need more detailed and personalized guidance, a broker can help you. You simply need to give the broker your expectations and budget and he will help you to determine the best options. This will ensure that you receive the right loan to meet your needs and budget.

You can provide all information and documents in a readable format to your lender for a faster processing of applications. You would normally have done your research before applying. Include all relevant data and documents in a portfolio-type package that your lender can easily review, approve, and process. This saves time for both of you and helps you get closer to your dream house.

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Finance

Sources of business finance

The following headings can be used to examine sources of business finance:

(1) Short Term Finance

To meet the immediate business needs, short-term financing is necessary. Current needs could include paying taxes, wages or salaries, repairs, and payment to creditors. Because sales revenues and purchase payments do not always match, short-term finance is necessary. Sometimes sales are lower than purchases. Additional sales might be made on credit, while cash purchases may be possible. These disequilibriums may require short-term finance to meet them.

These are the sources of short-term finance:

(i). Bank OverdraftBank overdrafts are a very popular source of business financing. This allows the client to draw a certain amount of money above and beyond his account balance. It is much easier for a businessman to cover short-term unexpected expenses.

(iii) Bill DiscountingBanks can discount bills of exchange. This gives the bill holder cash that can be used for immediate financial needs.

(iii). Advances from Customers:Advances can be used to confirm orders. However, they can also be used to finance the operation necessary for executing the job order.

(iv). Installment Purchases Buying on installment allows for more time to pay. Deferred payments can be used to finance small expenses that are not payable immediately.

(v), Bill of LadingBill of Lading is used to guarantee that banks will lend you money. The loan amount can also be used for short-term finance.

(vi). Financial Institutions Different financial institutions offer short-term loans to help people in financial trouble. Some co-operative societies offer short-term financial assistance to businessmen.

(viii) Trade Credit:It’s a common practice for businessmen to purchase raw material, store, and spares using credit. These transactions increase the accounts payable to the business and are due to be paid within a specified time. Cash is used to purchase goods and payments are made after 30-60, 60, and 90 days. This gives businessmen some flexibility when they have to meet financial difficulties.

(2) Medium Term Finance:

This finance is necessary to meet the short-term (1-5 year) needs of the business. These funds are essential for the modernization, balancing and replacement of machinery and plants. They are also required for the re-engineering and maintenance of the company. These funds are used to help the management complete medium-term capital projects in the timeframe they have planned. These are some sources of medium-term finance:

(i). Commercial Banks:Commercial bank are the main source of medium-term finance. They offer loans with different terms and can be used to purchase securities. If necessary, the terms can be renegotiated.

(iii) Hire Purchase:Hire purchasing means that you buy in installments. This allows the company to purchase the goods they need with future installments. It is important to mention that interest is charged on any outstanding amounts.

(iii). Financial Institutions Several financial institutions, such as SME Bank and Industrial Development Bank, offer medium- and long-term financing. They provide financial services, as well as technical and managerial support on various matters.

(iv), Debentures, and TFCs: Debentures (Terms Finance Certificates), and TFCs (Terms Financial Certificates) can also be used to source medium-term finances. A debtor acknowledges that the company has borrowed money. The parties can agree on the duration of the debt. The return to the debenture holder is at a fixed interest rate. TFCs have replaced debentures in Islamic financing.

Insurance Companies (v)Insurance Companies have a large pool contributed by policyholders. This pool is used by insurance companies to make loans and investments. These loans provide medium-term financing for many businesses.

(3) Long Term Financing:

These are long term funds that are needed on a permanent basis for a longer period of time. These are needed to fund major business changes or heavy modernization costs. They are required to start a new business plan, or for long-term developmental projects. These are some of its sources:

(i), Equity Shares:This is the most popular method to raise long-term finance. To increase the capital base for a large-scale business, equity shares can be subscribed by the public. Equity share holders are entitled to share in the profits and losses of the business. This is a safe and secure method, as the amount received is not repaid until the company is wound up.

(iii) Retained Earnings Retained earning are the profits that are not used to pay for the business project. They can be used to fund the business project in times of financial need. This is also known as ploughing back profits.

Leasing (iii).Leasing can also be used to provide long-term financing. Leasing allows you to acquire new equipment without having to pay a lot of money.

(iv). Financial Institutions Different financial institutions, such as the former PICIC, also offer long-term loans to business houses.

(v), Debentures:Debentures, Participation Term Certificates can also be used to source long-term financing.

Conclusion:

These are all different sources of finance. There is no way to tell the difference between short-term and medium-term sources, or between medium and long-term sources. For example, a commercial bank source can offer a short-term or long-term loan depending on the client’s needs. All of these sources can be used to raise funds in modern business.

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Finance

Car Finance – What you should know about dealer finance

Car financing has become a big business. Many UK car buyers are financing their purchase with some form of finance. You can get financing from the dealer, a bank loan or leasing. But, very few people buy a car using their own money.

In the past, a private buyer would have purchased a car with a maximum value of PS8,000 if they had PS8,000 to spend. Today, the same PS8,000 could be used to deposit on a car that could be worth many tens or thousands of dollars, with up to five years of monthly payments.

According to various dealers and manufacturers, anywhere from 40% to 87% of car sales today are made with finance. It is no surprise that many people are jumping on the car finance bandwagon in order to make a profit off buyers’ desire to own the most flashy, high-end car they can afford within their monthly cashflow limits.

It is easy to finance a car. You can purchase a car that costs more than you can afford upfront, but you can manage small monthly cash payments over time. Car finance can be confusing because many buyers don’t realize that they often end up paying more than the car’s face value. They also don’t understand the implications of the agreements.

This author is not pro-finance or anti-finance in buying a car. You must consider all aspects of financing a car. Not just the purchase of the car but also the entire term of the financing and any subsequent consequences. Although the UK has strict regulations for the industry, a regulator cannot force you to read all documents or make smart car finance decisions.

Financing through a dealership

Many people find financing their car through the dealer where they are purchasing the car convenient. You may also find national programs and offers that can make financing your car through the dealer attractive.

This blog will concentrate on two types of car finance that car dealers offer private car buyers: the Hiring Purchase (HP), and the Personal Purchase(PCP), with a short mention of the Lease Buy (LP). Another blog will discuss leasing contracts.

What’s a Hire Purchase?

An HP is a type of mortgage. You pay a deposit upfront and then you pay the remainder over a set period (usually 18-60months). After you make your final payment, your car becomes yours. This is how car finance has worked for many years. However, it is starting to fall out favor with the PCP option below.

A Hire Purchase has many benefits. It is easy to understand. The buyer can choose their deposit amount and term. The term can be up to 5 years (60 month), which is more than many other financing options. The agreement can be cancelled at any point without major penalties if your circumstances change. However, the amount owing could be higher than the car’s value early in the agreement term. If you intend to keep the car, you will usually pay less with an HP than with a PCP.

An HP is more expensive than a PCP, which means that you are less likely to be able to afford the car.

An HP is best for buyers who plan to keep their car for a long period of time (i.e. longer than the finance term), have large deposits, or need a simple plan that provides easy car financing with no strings attached.

What’s a Personal Contract Purchase?

Manufacturer finance companies often give a PCP other names (e.g., BMW Select, Volkswagen Solutions or Toyota Access). This is a popular option, but it can be more complex than an HP. The majority of new car finance deals advertised these days are PCPs. Dealers will often push for a PCP instead of an HP as it is more beneficial to them.

You pay a deposit, and then you make monthly payments over the term. The monthly payments are usually lower or the term is shorter, but they can be as low as one month. You are not paying the entire car off. There is still a substantial amount of finance that remains unpaid at the end of the term. This is often called a GMFV (Guaranteed Maximum Future Value). A car finance company guarantees that the car will have a value equal to the remaining finance. There are three options available to you:

1) Return the car. While you won’t receive any money back, you won’t be required to pay the rest. You have been renting the car the entire time.

2) Pay the GMFV and the remainder of the amount owed. This amount can be thousands of pounds so it is usually not an option for most people.

3) You can part-exchange your car for a new or older one. The dealer will evaluate your car and pay the finance. You can use equity (or the greater value of your car) to make a deposit on the next car.

People who are looking for a brand new car or a near-new vehicle and intend to keep it until the end of their agreement (or sooner) with the PCP are best suited. It is usually cheaper than contract hire or lease finance products for private buyers. It is not necessary to return to the same dealership or manufacturer for your next vehicle. Any dealer can finance your car and sign the agreement for you. This is a great option for buyers who are looking to purchase a higher-end car but have a smaller cashflow than with an HP.

A PCP has the disadvantage that you are locked into a cycle of changing your vehicle every few years in order to avoid large payments at the end. Borrowing money to pay the GMFV but keeping the car will usually result in a monthly payment that’s much less than starting a new PCP with new car. This almost always encourages the owner to replace it with a different car. Manufacturers and dealers love PCPs. It keeps you coming back every three years, rather than keeping it for five to ten years.

What’s a Lease Purchase?

An LP is something of a mix between a PCP and an HP. An LP has a deposit, low monthly payments (like a PCP), and a large final payment at its end. This final payment, often called a balloon, is not guaranteed, unlike a PCP. If your car’s value is less than the amount owed, and you wish to sell it/part-exchange it before you consider paying a deposit for your next car, this means you will have to pay any difference (called negative equity).

Read the fine print

It is essential that anyone purchasing a car on financing reads the contract carefully before signing anything. Many people make the error of purchasing a car on financing and end up not being able to pay their monthly payments. Your finance period could last up to five years. It is important that you consider the consequences of this decision on your life. Due to unexpected pregnancies, many sports cars that were heavily financed had to be returned. This can often have serious financial consequences for their owners.

You should discuss and consider all options for financing a car. Also, be aware of the pros/cons of each type of car finance product to make informed financial decisions.

Stuart Masson, founder and owner of The Car Expert is a London-based independent car buying agency that offers impartial advice to anyone who wants to buy a used or new car.

Stuart is originally from Australia. He has been passionate about cars and the industry for almost thirty years and has spent the past seven years in the retail sector of the automotive industry in both Australia and London.

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