Articles

Lowest interest on home loan

Looking for a housing loan? But not sure, which bank is offering Lowest Interest on home loan? Here we have compared the rate of interest offered by top lenders, so that you can get best home loan at lowest interest rate. Bank of Baroda Bank of Baroda is offering lowest interest Read more…

By BankersClub, ago
Articles

Priority Sector Lending

There are some sectors of the economy, which may face difficulty in getting timely and adequate credit. To facilitate these sectors easy and timely credit, Reserve Bank of India (RBI) has directed banks to provide a specified portion of their lending should be priority sector lending, i.e., lending to few Read more…

By BankersClub, ago
Articles

‘Term Loan Appraisal’ Technique

‘Term Loan Appraisal’ technique is explained in this article.   Terms Loans are granted to finance Capital Expenditure like plant & machinery, land and building or setting up an entire unit. Term Loans have a specific repayment period and are generally repayable in installments. Cash generating capacity of the unit Read more…

By BankersClub, ago
Articles

Wilful Defaulters – RBI guidelines

You must have come across the term ‘Wilful Defaulter’ or if you have worked on credit desk of a bank, you should have heard ‘Wilful Defaulter List’. So, who is a wilful defaulter, where can you find wilful defaulter list and the procedure and mechanism to identify wilful defaulters is explained Read more…

By BankersClub, ago
Articles

CERSAI Fees and Charges

Particulars of equitable mortgage of immovable properties are required to be filed with CERSAI within 30 days of creation of mortgage. [Also read Procedure for Filing the Delay Condonation Application with CERSAI for delay ] So if someone has taken a housing loan or offered a property as collateral security in Read more…

By BankersClub, ago