
Source
PNB में हो सकता है OBC, आंध्रा और इलाहाबाद बैंक का Merger, बैड लोन कम करने की कोशिश
Punjab National Bank दो या तीन सरकारी Banks के कंट्रोल को अपने हाथ में ले सकता है। रॉयटर्स की एक रिपोर्ट के मुताबिक, इन बैंकों में Oriental Bank of Commerce, Andhra Bank और Allahabad Bank शामिल हो सकते हैं। भारत सरकार लगातार छोटे क्षेत्रीय सरकारी Banks को बेहतर प्रबंधन वाले सरकारी Bank में Merger की दिशा में प्रयास कर रही है। इसके माध्यम से सरकार का लक्ष्य बैड लोन्स के स्तर को कम करना है। इस समय सरकारी Banks के खातों में 9 लाख करोड़ रुपए के बैड लोन्स दर्ज हैं, जो GDP के लगभग 5 फीसदी के बराबर हैं।
तीन महीने में शुरू हो सकती है प्रक्रिया
बीते साल सरकार के स्वामित्व वाले LIC ने IDBI Bank का अधिग्रहण किया था, जो सबसे ज्यादा बैड लोन्स वाले Banks में से एक था। सूत्रों के मुताबिक, इस क्रम में PNB अगले तीन महीनों में Banks का कंट्रोल अपने हाथ में लेने की प्रक्रिया शुरू कर सकता है।
नई औद्योगिक नीति में छोटे उद्यमियों के लिए विशेष सुविधा, एक सप्ताह में शुरू कर सकेंगे उत्पादन
• रोजगारपरक निर्यात क्षेत्र को निर्यात पर नहीं बल्कि उत्पादन के आधार पर मिलेगी सब्सिडी
• नई औद्योगिक नीति का पूरा फोकस एमएसएमई व निर्यात पर
• नई सरकार के गठन के तुरंत बाद घोषणा हो सकती है नई नीति की
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LOAN AGAINST PROPERTY (LAP)
A loan against property (LAP) i.e. Loan against the mortgage of property. The loan is given as a certain percentage of the property's market value, usually around 60% to 80% depend upon Property is what kind of nature. Further, nature of property means residential property, commercial property or agricultural property and available % of value of property would be also depend upon whether property is constructed or only land etc..
Type of Loan against property:
LOAN FOR COMMERCIAL PROPERTY: – Loan for purchase/ construction of commercial property in approved areas. This includes loans for office space, shops.
LOAN AGAINST PROPERTY FOR BUSINESS EXPANSION: It is also known as Business Loan with Collateral Security
LOAN AGAINST PROPERTY FOR PURCHASE OF ANOTHER PROPERTY: -To meet shortage of fund to buy another property.
LOAN AGAINST PROPERTY FOR PERSONAL PURCHASE: – LAP can also be used for personal purposes like Wedding etc.
LOAN REPAYMENT
Loan repayment is in Equated Monthly Installments (EMI) comprising of principal and interest through Post Dated Cheques/ Electronic Clearance System over a maximum period of 15 years. However, some Bank may provide even 20 years.
PROCESSING FEE AND OTHER CHARGES: -may vary Bank to Bank and nature of loan, property etc. even in some case may be nil.
CHARGEABLE RATE OF INTEREST: – Nature of property, Bank to Bank Policy, Purpose of Loan would be criteria for Rate of Interest.
HOME LOAN: – could be available at very cheap Rate of Interest in comparison to all type of Loan.
AJAY TRIVEDI (https://www.facebook.com/groups/1351826271637777/)
MBA(Finance & Marketing), M.Com.(Pure Commerce), L.L.B. & Fellow Member the Institute of Company Secretaries of India
A loan against property (LAP) i.e. Loan against the mortgage of property. The loan is given as a certain percentage of the property’s market value, usually around 60% to 80% depend upon Property is what kind of nature. Further, nature of property means residential property, commercial property or agricultural property and available % of value of property would be also depend upon whether property is constructed or only land etc..
Type of Loan against property:
LOAN for COMMERCIAL PROPERTY: – Loan for purchase/ construction of commercial property in approved areas. This includes loans for office space, shops.
LOAN AGAINST PROPERTY FOR BUSINESS EXPANSION: It is also known as Business Loan with Collateral Security
LOAN AGAINST PROPERTY FOR PURCHASE OF ANOTHER PROPERTY: -To meet shortage of fund to buy another property.
LOAN AGAINST PROPERTY FOR PERSONAL PURCHASE: – LAP can also be used for personal purposes like Wedding etc.
AJAY TRIVEDI (https://bhumicorporate.com/)