DBS Bank Ltd. Loans

DBS Bank Ltd Corporate Loans under the head of Accounts Receivable Purchase or factoring include working capital financing, import and export factoring, credit protection, domestic factoring, management facilities for export and domestic receivable and import credit

DBS Bank Ltd. Loans are also available under the bank's enterprise banking schemes.

It may be noted that through enterprise banking DBS Bank Ltd., wishes to serve the financing needs of small and medium scale business enterprises. The bank offers a host of personalized banking solutions for these emerging business initiatives

DBS Bank Ltd. Loans in India are available for corporate financing. The major DBS corporate loans are enlisted below.

• Short term loans
• Long term loans
• Trade financing
• Working capital financing
• Credit protection
• Project financing

Dena Bank Loans

Dena Bank Home Loan under the Dena Niwas scheme can be taken for the following purposes.

• Plot purchase
• Purchase of a house under construction
• House construction
• Purchase of a completed house

Home loans under Dena Niwas scheme are also available for carrying out construction activities meant for building an extension of an existent house.

Dena Bank loans are available for house up-gradation and repair activities also

Dena Bank Loans are attractive financing options from Dena Bank, one of India's leading nationalized banks. Loan Schemes from Dena Bank are Dena Niwas, Dena Mortgage, Dena Vidya Laxmi and Dena Auto Finance

Dena Bank Education Loans are available for the financing of the educational needs of students for pursuing higher studies in India or abroad.

Dena Vidya Laxmi is a premier Educational Loan Scheme from the bank. The eligibility criterion for securing Dena Vidya Laxmi Educational Loan is described in brief below.

a. Applicants need to be Indian nationals. The applicant also need to have secured an admission to any technical or professional program in a foreign or Indian universit

Federal Bank Home Loan

Federal Bank has designed its home loan options to provide loan to its customers who aim to buy a new house or flat, who wish to renovate an already constructed house or flat, who want to purchase a land along with a house and also those who wish to purchase a land to construct a house

Federal Bank Home Loan has been designed to provide housing loans to both residents and non-residents subject to fulfillment of certain criteria. 85% of the total project cost is offered as a housing loan by the bank. For residents the duration for repayment is 20 years whereas for the non-residents the duration is 15 years. The already existing borrowers are also entitled to a range of home plus loans

An authenticated proof of income should be produced while applying for the loan. Federal Bank offers loan up to 85% of the project cost which includes the expenses included in stamp duty, registration and the like. Other areas such as compound wall, landscaping, water tank, etc. are also included in the project cost. A maximum of Rs. 3 crores are offered as housing loan by the bank. The maximum duration allotted for the repayment of the loan is twenty years for the residents and fifteen years for the non-residents. The housing property should be kept as a security against the home loan by the borrower. The interest rate charged on the home loan varies according to the market conditions

ICICI Home Loans

New products / New features in existing products are introduced from time to time based on customer feedback. ICICI Bank offers easy home loans for purchase or construction of flat or house.

The benefits associated with ICICI Home Loans which give them an edge over other players in the market are:

• Attractive and customer friendly loan interest rates
• Loans as low as INR 0.2 million is available
• Term loans up to 20 years is available
• Loans come with a Free Personal Accident Insurance Policy
• Premium charged in case of insurance options for Home Loans is also attractive.

The other types of loans include Land Loans, Office Premises Loans, Home Improvement Loan and Home Loan for NRI. One can also leverage his/her existing property to get a Loan against Property, Property Overdraft or Lease Rental Discounting. All of these are available at a fixed rate or an adjustable rate of interest.

• Fixed Rate Home Loan
• Adjustable Rate Home Loan or Floating Rate Home Loan
• Partly Fixed and Partly Floating Rate Home Loan
• Smartfix Home Loan
• Moneysaver Home Loan

Syndicate Bank Home Loan

The bank also offers housing loan for purchasing a house which is less than or equal to 25 years old. The NRIs can avail housing loan in order to buy a house as an asset. The borrowers can also avail housing loans for renovation or reconstruction purposes. The housing loan also comprises of expenses required for purchase of various luxury furniture such as air conditioners, geysers, cots, fridges, tables, etc.

Syndicate Bank Home Loan provides home loans to an individual for purchasing a new house or a flat, renovating an already existing flat or house or even furnishing the house. It provides home loan to employed persons, self-employed persons and business persons. SyndNivas offers the individual's loans equivalent to the gross salary for 72 months including that of his or her spouse as the loan to the self-employed persons

·  The home loan offered by SyndNivas to self-employed persons amount to a maximum of his or her gross salary for 72 months including that of his or her spouse.

·  Others get 6 times of the average annual income for the past 3 years depending on Income Tax Assessment Order or IT returns.

·  The house or flat or land to be purchased will be kept as a mortgage security as per the advise of the legal advisor or law officer of the bank.

·  The repayment duration for loan acquired for renovation purposes is 5-7 years.

HDFC Personal Loans

HDFC Personal Loans can be availed by the following groups of professionals:

• Salaried Individuals
• Self Employed Individuals
• Self Employed Individuals in private companies and partnership firms in manufacturing,trading or services

Each of the above groups of professionals encounter a specific set of criteria for sanction of loan. They are also required to present a specific set of document.

HDFC Bank,India, announced the arrival of the new generation, technology driven commercial banks in India. HDFC Bank in India was set up in August 1994 with the approval of Reserve Bank of India. The bank was promoted by Housing Development Finance Corporation Limited, a premier housing finance company of India (set up in 1977).

HDFC Personal Loans provide the following benefits:

• Loans up to Rupees one million for any purpose.
• Flexible Repayment Options ranging from 12 to 48 months.
• Repayment through Easy Monthly Installments (EMIs).
• Low Rate of Interest
• Hassle free loans - No guarantor/security/collateral required
• Speedy loan approval
• Service at the customer's doorstep

Indian Bank Loans

The loan is open to persons working in professional fields, salaried class, and self-employed. The maximum amount available is INR 50,000. Interest rate is 12.5% per year. Margin of the bank is 20%.

·  Home Loan: Indian Bank home loans can be used for the purchase of a flat or house. Construction costs are also covered. Loan amount given is approximately 60 times the net monthly income or 36 times the gross monthly income. Costs of repairing of house may also be considered for a loan

Indian Bank loans are competitive financial packages designed with the customer's needs in mind. The bank grants loans for education, home, and business. Indian Bank personal loans are also available. All loans given are in accordance with Reserve Bank of India (RBI) guidelines

Educational Loan: Indian Bank educational loans are applicable to students within 30 years of age. Cost of education, like college fees and travel expenses, are allowed. Diploma, Graduation and Post-Graduation courses are covered under this facility. Maximum loan given is INR 10,00,000 for studies in India and INR 20,00,000 for studies abroad. Insurance premium is given for the student borrower