Tuesday, January 4, 2011

Arie Setiawan Blog: Android

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Tuesday, November 24, 2009

Get secured car loans in India


Secured loans in India are the best way to purchase the car. These loans have made much different in the individual life. There are cars available with the people who are not having enough financial resource. In the early period having a car was a luxury but now with the availability of the secured car loans in India having a car is no longer a luxury. The reason for the purchase of the car so easily is not because of the reduction in the price of car s but it is because the car loan in India has become convenient for the people for the easy purchase.


Secured car loans in India are generally cheaper as the individual puts up his property as a security to the lender and hence it is named as a secured loan. These loans are used for many purposes and the lenders will have no obligation regarding that until the payment is made on time.

Benefits
As the individual is providing the security regarding the loan there are various benefits which are provided to them and they also have ability to borrow the amount as much as they can. This loan companies helps the people who are suffering from the bad credit situations. There are various car loans which are available by seeing the affordability of an individual. The secured car loan providers in India will give the best deals to the customer when they engage with the services provided by them.
This company provides the loan without any consideration regarding the reason for his loan because borrower offers the property to the company as collateral which reduces the risk of the company. These loans which are provided by the company are affordable as they have to be paid on the lower monthly basis rather paying it in a huge amount. The creditors and lenders have to consider the ability of the borrower and then decide the amount of payment.
Features

There are many features for the secured car loan in India like it becomes much easier for the people who are having bad credit conditions. It becomes easy as the company will draw the price of the car and then the amount which is drawn by the company can be used by the borrower to pay of to the dealer. Secured car loan in India can be paid through the monthly installments and due to which the individual can purchase the best car in the Indian market.
Most important thing is the repayment which is done on the monthly basis is decided by checking the monthly income of an individual. The amount which is drawn by the company can be used for any other purpose also if there is any requirement. The most common use which the individual makes about this amount is regarding the improvement with the home, for paying the holiday bills and any other payments if necessary. The interest rate is lower for secured car loans in India.



Monday, October 19, 2009

Student loans to help poor students

Student loans are a tool to help poor students access to higher education, which does not receive from their parents may not have the ability to pay the costs of higher education. This is done through the order in which the student's progress is to be able to pay the college fees and the payment of the debt at a later time, when they start earning. This amount is payable after school and usually includes benefits.

Students usually give a grace period of six months, which would be required to pay anything for the student loans. This is usually after six months of the completion of those studies. It is important to be aware that the debtor is to begin work as soon as the payment will be better for them. If you do not want to start immediately after the payment of school, you should start saving so easy when the payments begin to pay.

Before the debtor can pay any amount in cash, student progress, it should be considered in the payment options available to them. This would provide the person with the knowledge that they can save your money. Some of the options available on the postgraduate level, and repayment schedule of payment in a timely manner.

At the level of repayment schedule will allow the debtor to pay in equal monthly installments, and although that may change if the rates vary. The schedule allows for the payment of higher per capita payment in accordance with the proportion of their income. In this way the individual pays more than their income growth. Individual who wishes to repay their student loans should carefully consider the options available before making any payments.

Student loans system available
Parents with low income should not have to worry about travel to higher education for the children. They can be used for student loan system to help their child go through the institutions. Financial support that has been or may be subsidized or unsubsidized. This means that the government will pay for an appeal to end the debt or loans to pay principal plus any additional amount by which it attracts.

Which is the best way to ensure that the brighter students to school. In many cases you do not like debt situation. Sometimes you work with it and the revenue can not be suspended payment of a debt. It also applies to those working less than 30 hours per week.

Another group of people who may be exempt from payment of this debt even for those who are in school, whether full time or part time. Education because they may not leave enough time to repay loans. Those who have access to activities related to the study are included in this category.

This means that those who do the internship or temporary residence will be exempt from payment of education debt because in most cases they do not usually receive apprentice wages. People facing financial problems may be allowed the right to temporarily stop student loan payments. This is possible if the debtor filed a bankruptcy. However, this is the time to check.

To get information about student loans visit http://www.sriloans.com

Thursday, October 8, 2009

Get immediate cash through personal loans in india

Personal loan is the solution can fulfill your short term cash needs. Personal loans are unsecured all purpose loans which can be taken by individuals to meet their short term cash needs. The quantum of personal loan is dependent on your income and repayment capacity. Personal loans usually have a high fixed interest rate with a fixed repayment period, you should always think of taking a personal loan as the last resort after you have utilized all other sources of cash.

Personal loans are available from Rs. 10,000 to Rs. 10 lakhs for any purpose depending on your requirement, you can utilize the money in any way you want to; there is no restriction on the end usage of the loan. Personal loans are given without any security, guarantor or collateral, resulting in a very simple, fast and quick approval process. The loan lifespan ranges from 1 year to 7 years.

The quantum and the interest rate of the personal loans depend on different factors:
1. Whether you are salaried or self employed
2. Your monthly income
3. Your employment stability
4. Total EMI payments towards your existing loans
5. Repayment track record of previous loans, if any
6. Your age
7. Your stability with the place of residence

The personal loan quantum and the rate of interest are totally dependent on your profile and the documents you provide for verification. After signing the loan documents, a demand draft or a cheque is drawn in your favour by the lender and you need to deposit post-dated cheques for the lifespan of the loan agreed by you.
Apart from the interest charged some other charges might be applicable. These charges can be charged at the time of disbursement of loan, during the lifespan of the loan, or when you terminate the loan. These charges include (a) processing charge (b) pre-payment fee (c) late payment charge (d) cheque bounce penalty (e) documentation charges (f) duplicate statement fees

Who can take a personal loan? Personal loans are provided only to resident individuals in India. Banks do check on your age minimum being 25 years and maximum being 65 years, your salary or income (if self employed), stability of profession and place of residence.

Before you proceed for a personal loan do ask few questions to yourself:
1. Is personal loan the right option? As stated above, personal loans are very expensive and you should only opt for this when there is no choice left with you and you are in need for short-term cash.
2. Is my loan lifespan appropriate? Do analyze your daily expenses, otherwise to repay early you might have to cut down your even your necessary expenses. The early repayment might not be the better option in that case.
3. Am I taking advantage of all the discounts I’m eligible for? Women get discount in many public sector banks, NBFC/Banks provide discounts to existing customers, do check on this and avail the discounts available and you are eligible to.
4. Have I chosen the right repayment schedule? There are options available for repayment of the loan, it can be larger payments at the beginning (upfront) or larger payments later in the lifespan of the loan.

You must choose a personal loan repayment period and schedule that matches your needs. Choose a shorter repayment period if you are expecting an inflow of cash in short run, this will help to meet your immediate cash needs and you will be able to repay the loan with less amount of interest.

Aval personal loans in INDIA through www.sriloans.com

Monday, October 5, 2009

Are you budgeting for a car loan in India?


Budgeting for a car is as important as budgeting for any other activity. Here are some pointers that will come handy when you decide to buy a car, old or new.

The first step is to work out your expenses; and then the savings. Check how much you can save up for your car. When you buy a car, there are many costs that come along with it. Keep a margin in your calculations to meet costs such as fuel bills, insurance premiums, and servicing.

Set a budget and stick to it. Ignore all that the dealers or the finance company has to say. Especially, if they say that you can afford more. And, there is NOTHING such as a ‘zero per cent’ loan.

Assess whether you need a brand-new car or if an old machine will do as fine. Depreciation is a major chunk of the cost of owning a car. Even if your car is just a year old, there is a hefty amount to be lost should you sell it. This essentially means that you can buy an old car on the cheap. If old is as good as new, why empty your pockets? Remember, buying a car as an investment option may not really work. Registration costs, insurance, maintenance; such costs can’t be recovered if you were to sell the vehicle.

While it is advisable to buy a house on loan, a loan should be the last resort to buy a car. Save up on cash to buy the car. Car financing can be expensive. And, no tax benefit on the loan unless you lease it out. Buying a car outright can get you discounts.

If you are looking for a loan to finance your car purchase; shop for a loan first. While a housing loan lays emphasis on the actual property, buying a car via a loan lays primary emphasis on the finance options available. Arrange for the down payment. DO NOT go the personal loan or loan against security route to get the cash.

An important step of budgeting is to get an estimate of the price. Do your homework and set a target price. Use all the channels available. The Internet being the quickest, visit as many dealers and agents (e.g.: www.sriloans.com) to get estimates.

Make negotiations before you purchase. Don’t let the dealer eat up your savings. Don’t take discounts as they are. Make sure the offers are indeed discounts, not future expenses hidden away inside them.

To avail car loans at your interest rates visit http://www.sriloans.com




Thursday, October 1, 2009

Loan calculator and online car loans

Sriloan provides a variety of suggestions and ideas about simple loan calculators, and if you are interested, then this is worth reading, as you can never tell what you don't know.

One must be aware that the accuracy of the information provided by an online loan calculator is not guaranteed. The information, like all other information on this website, should not be construed to provide investment advice, nor to endorse a financial product of any sort. This free and reliable software works out your repayment plan in order to work out a loan management plan. The loans that you need to manage are generally on your house, car or a loan taken to refinance an existing loan.

Free mortgage calculator is a free tool for calculating the amount. Sriloan work similar to mortgage loan calculators. By taking a mortgage you give the lender a document that protects his interests in your property. Home loan equity mortgage calculators are found everywhere on the Internet and usually free. There are agreements between the lender and the house owner who pledges the house as security. A lot of the lenders offer a free tool known as a 'Boat loan calculator' to calculate the cost of a loan. It is just a matter of advising the preferred loan amount, the repayment period, and interest rate.

Sriloans are making car loan process easier by providing online services. We are United Car Loan. It is the expertise of United Car Loan to bring online car loan by reducing paperwork considerably. With United Car Loan you can get your car dreams come true. With online car loan you get fast decision. So if you want to get car loan at a snap, then click on the link below.
Online car loan is available at United Car Loan round the clock. This means that you can access online car loan at time, from anywhere without any hassle. With lesser paperwork there is no time lapse in getting a decision. For applying for online car loan, you can fill in an online application form. For completing the application form few financial and personal details are required. You need to fill the online application form accurately to get appropriate results. United Car Loan provides online car loan for every financial situation.

Visit http://www.sriloans.com, provide Home loans, car loans, personal loans and Business loans for your own Iinterest Rates.

Tuesday, September 29, 2009

Get a personal loan

Personal Loans

Personal loan is simply an all purpose loan for your own personal use. The main purpose of such a loan is to meet any kind of personal need or expense. A number of personal loans like marriage loans, consumer durable loans, festival loans are increasingly becoming popular. Easy loans are provided at attractive rate of interest for widening the existing customer base. You can take a personal loan for any purpose. Applying for a personal loan is quite simple these days. Now even you can apply for your personal loans online from sriloans. Getting approved for Personal Loans takes approximately three minutes on our secure server and your application is processed within seconds. To get approved today, fill in the form and apply online now.

Personal Benefits on Personal Loans

1. Loans on personal needs

2. Friendly deal on loans of your choice

3. Get your cash immediately after your
approval

4. Personal loans on your interest rates

5. Your choice of repayment

6. No charge for applying

7. No hidden cost

Calculate your personal interest at http://www.sriloans.com