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#1 von zhangsan520 , 30.11.2018 07:16

When we talk about jewelry Mario Edwards Jr Raiders Jersey , we mostly contemplate women’s jewelry. However, there are jewelry for men as well and they come in all metals. However, most men today are not very excited about the flashiness of gold. And platinum proves to be much too expensive. For these reasons, silver has become the talk of the town when it comes to men’s jewelry and more and more men are lining up to get a something in this amazing metal.


The kind of silver that is currently being preferred by all is the 925 sterling silver. This is considered to be the best form of silver for making jewelry and other kinds of precious items. It is considered to be the purest and hence is also the most expensive of the lot. It also means that the metals hardly tarnish and when they do, a polish is all that it takes to keep the metal shining. It should however Karl Joseph Raiders Jersey , be kept in mind that all the silver should be certified and they should be bought from reputed dealers only. Balzo has been supplying premium products to their clients for years now and they have designs that are internationally acclaimed and will help you to garner attention for all the right reasons.


Silver jewels are easy to come to by but it can be very difficult to get craftsmanship of one’s own choice. The silver jewels are also more versatile than others for the simple reason that they can be dressed up or down, depending upon the occasion. Cufflinks for men is the most popular men’s jewelry that we have today. They are either gifted or bought for various occasions and because of them it is possible to strike the right note at every setting. Be it a board meeting or a friend’s wedding, the perfect cufflink can go a long way in helping a man create the look he desires

Finance > Insurance > Home InsuranceFew things you must know before applying for home loans.

Posted by anuragmishra in Finance on April 14th, 2017


While purchasing a dream home with real estate prices hitting the roof, taking home loans has become an inevitable part of your finance. Many times while applying for a home loans there are various jargons that will create unnecessary confusion in your minds. So David Sharpe Raiders Jersey , before you evaluate your loan options, from leading banks and finance companies in India, there are few terms you will come across every application procedure:


Equated Monthly Installments


It’s a fixed amount you will need to pay to the bank or NBFC every month in order to lighten down the burden of your housing finance. An EMI is an unequal combination of your loan amount and the rate of interest. It is calculated based on principal, repayment period and rate of interest.


Margin or Down Payment


Any bank or finance company will not give 100% of home loans amount to buy your dream property. Ideally, based on your credit score Eddie Vanderdoes Raiders Jersey , property location and income source you get qualified for around 80 to 85% of the property costs. The remaining that you will have to shell out of your pockets is termed “margin money”. Experts say it’s better to prepare with this amount before applying for any form of housing loan.


Credit Score


Before sanctioning your loan bank or NBFC will check your financial status to determine your loan eligibility and arrive at a lending amount. The parameters would be your income source, age, co-applicants income status, occupation, stability Obi Melifonwu Raiders Jersey , property location, tax history and last but not the least your CIBIL score. They will also look into your existing debt or liabilities. The entire process is termed as credit appraisal.


Full Disbursement


Full Disbursement is when the loan amount is paid at one go. Either it gets direct credit to the bank account of the developer or you will receive a cheque bearing the entire amount. The bank will disburse only when you have submitted all required documents and have made the down payment.


Pre-Approved Property


Many builders get their properties pre-approved by home loans financers. Bank or NBFC’s providing loan options usually examine all the documentation before approval for the particular builder. Along with this the builder’s ability and track record on project completion, maintenance is also being evaluated. It ensures the builder has a good track record and together you can make your home buying decision easier.


Offer letter


Once the loan gets sanctioned, you will get an offer letter stating all the details of your loan like sanction amount, loan duration Gareon Conley Raiders Jersey , interest rates applicable, other charges, monthly installments, etc. This letter is an offer that banks or finance company will make towards your housing loan requirements. It’s not the loan amount disbursed. Once you agree to make repayments and fulfill other legal formalities the amount will be disbursed to your account.


There are leading banks and housing finance companies in India that offer a loan with customized benefits. Just visiting the very first bank or NFBC and applying for a loan is wrong. Instead compare the online quotes in terms of loan eligibility, home loans interest rates applicable P.J. Hall Raiders Jersey , processing, stamp duty & registration charges, loan tenure, repayment options etc. and then go for a suitable loan application.


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