Tag: Rate

Compare Low Standard Rate Credit Cards #low #rate, #credit #cards, #compare

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Compare low rate credit cards

Whatever type of credit card you’re looking for our Smart Search can help:

  • We’ll show you cards likely to say YES
  • Searching WON’T harm your credit score
  • Fast and easy to use

Save money on balance transfers and retail purchases with MoneySupermarket’s comparison of the best credit cards with low interest rates for the life of the card. These cards also come with great benefits including travel discounts, no balance transfer fees and contactless payment technology.

With so many credit cards offering interest free periods on purchases and balance transfers, you could be forgiven for wondering why anyone would opt for a low rate credit card at all.

And although some of those 0% offers may seem too good to pass up some don t charge interest for two years they re not always the answer for everyone.

For instance, if you have a large balance to transfer and you are unlikely to have paid it off before the interest free period ends, you could get stung as the rate will leap to an annual percentage rate (APR) of around 18%.

And while you could always switch to another 0% credit card, you may not want to risk being rejected; which would not only leave you with a large balance and interest rate, but could potentially have a negative effect on your credit score and make it even more difficult to get access to credit in the future.

If this is the case then you may be better off applying for a low rate credit card, which has just one standard rate that is usually markedly lower than those offered on standard credit cards.

What types of low rate credit cards are available?

There are several types of low rate credit card currently on the market, so it s essential that you pick the right one to suit your needs.

If you have a balance to transfer across from your old card, pick a card that comes with no balance transfer fee; if, on the other hand, you are a frequent traveller, then it could be worth applying for a card that offers discounts on travel and insurance.

You ll also want to make sure you get the lowest interest rate possible. Representative APRs on low rate cards can be anything from around 6.9% to as much 16.9% (variable) which will really hit you in the pocket if you have a large balance to pay off.

And while some cards offer the low rate for the lifetime of the card, some will only offer it for a certain period of time, so be sure to check the terms and conditions fully before applying.

What are the advantages of using low rate credit cards?

The main advantage of a low rate credit card is that, as you d expect, the annual interest rate is lower than those on standard credit cards and on 0% credit cards, once the interest-free period has ended.

Interest rates on low rate credit cards generally start at around the 7% mark, compared to around 18% on standard cards, and there are usually no annual fees that can also push up the APR.

This low rate usually lasts for the lifetime of the card, which means so no nasty rate rises. This makes low rate credit cards an ideal budgeting tool as you can work out exactly how long it will take you to pay off your debt with a fixed monthly payment.

And although they don t come with any special offers as far as interest-free periods are concerned, it s worth looking out for cards come that without a balance transfer fee, or offer rewards or discounts on other services, such as travel or insurance.

Why use MoneySupermarket to compare low rate cards?

With a number of low rate credit cards available and the fact that the low rate may not always be as low as you d expect it makes sense to shop around for the card that best fits your needs. Comparing the best deals available can help you make savings overall.

And by using the MoneySupermarket s comparison tools, you can instantly compare low rate credit cards or even take a look at some of the other options available such as low rate personal loans or other types of credit card.

Your personalised chance of approval

We’ve taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it’s better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It’s easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you’re probably better off choosing a different card.

Consider a different card Not eligible 1/10 2/10 3/10 4/10 5/10 Your chances are good 6/10 7/10 8/10 9/10 9.5/10 You’ve been pre approved

If you see a high score, you can be fairly confident. The scores aren’t a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

If you see a pre-approved score it may be subject to you passing additional ID and fraud checks by the provider.

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

We’re free and independent, as well as offering exclusive deals you can’t get anywhere else.

Moneysupermarket is a credit broker this means we ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders though the size of that payment doesn t affect how we show products to customers.

You can rely on us

We’re here to help





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Business Loans – Check Business Loan Interest Rate – Eligibility Online at HDFC Bank

#business loan

#

Business Loan

  • Features Benefits
  • Eligibility
  • Fees Charges
  • In – Principle loan eligibility in 1 Minute online and across all branches
  • Convenience of contacting us through SMS, Webchat, Click2Talk, PhoneBanking and across all Branches
  • Business Loan is also available on the basis of repayment of home loans, auto loans and credit cards.
  • Loan Amount up to Rs. 15 Lakhs (Up to Rs. 40 Lakhs in selected locations).
  • Flexible repayment options ranging from 12 – 36 Months.
  • Credit Protect Insurance Plan:
    We help you take care of your loved ones with a Credit Protect Plan to cover your loan at a nominal premium.*

In case of Natural / Accidental Death of the customer, the customer / nominee can avail of the Payment Protection Insurance (Credit Protect) which insures the principle outstanding on the loan up to a maximum of the loan amount.

We will charge a premium for this product, and the premium amount will be deducted from the loan amount at the time of disbursal. We will also charge service tax and applicable surcharge/cess at the rates notified by the government.

Secure your business loan with Credit Protect.

Key benefits of policy

  • Protects the family by paying off the loan amount in case of death of the customer
  • Life Coverage provides peace of Mind
  • No need to use other savings to repay the loan
  • Tax Benefits as per applicable laws
  • One convenient package – loan + insurance

* Premium will be charged for Credit Protect will be deducted from the loan amount at the time of disbursal.

(* terms and conditions of the Insurers shall apply, Above product is offered by HDFC Life Ins Co.ltd)

Already have a Business Loan?

Reduce your EMI, transfer your existing Business Loan to us. Business Loan balance transfer offers special and exclusive benefits.

  • Interest rate as low as 14.99* % on existing loan transfer.
  • Processing fees as low as 0.99%

Now reduce your EMI burden with our balance transfer programme

Get details on eligibility criteria documents required for HDFC Bank Business Loan

Self Employed including Individual Proprietors, Private Ltd. Co. and Partnership Firms involved in the Business of Manufacturing, Trading or Services.

  • Minimum Turnover of Rs. 40 Lakhs.
  • Years in business: Minimum of 3 years in current business and 5 years total business experience
  • Business must be profit making for the last 2 years
  • Minimum Annual Income (ITR): Rs. 1.5 Lakhs p.a.
  • Age of Applicant: Min 21 years Max. 65 years at the time of loan maturity.

Documents you will need to submit:

  • PAN Card For Company /Firm/ individual.
  • Proof of your identity: Copy of Aadhaar Card/Passport/Voter s ID card/driving license.
  • Proof of your address: Copy of Aadhaar Card/Telephone bill/Electricity bill/Passport.
  • Bank Statement (latest 6 months)
  • Latest ITR along with computation of income, Balance sheet and Profit Loss a/c for the last 2 years. Financial should be CA Certified /Audited.
  • Proof of continuation (ITR/Trade license /Establishment /Sales Tax certificate)
  • Other Mandatory Documents (Sole Prop. Declaration Or Certified Copy of Partnership Deed, Certified true copy of Memorandum Articles of Association (certified by Director) Board resolution (Original)

Loan at the sole discretion of HDFC Bank Ltd.

Enclosed below are HDFC Bank Business Loan Interest Rates Charges





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Pancreatitis Symptoms: Fast Heart Rate, Fever, Jaundice, & More #symptoms,sudden #(acute) #pancreatitis, #abdominal #pain,

#

Pancreatitis – Symptoms

The main symptom of sudden (acute) pancreatitis is sudden moderate to severe pain in the upper area of the belly (abdomen ). Sometimes the pain is mild. But the pain may feel as though it bores through the abdomen to the back. Sitting up or leaning forward sometimes reduces the pain. Other symptoms of an attack of pancreatitis are:

Long-term (chronic) pancreatitis also causes pain in the upper abdomen.

WebMD Medical Reference from Healthwise

This information is not intended to replace the advice of a doctor. Healthwise disclaims any liability for the decisions you make based on this information. © 1995-2015 Healthwise, Incorporated. Healthwise, Healthwise for every health decision, and the Healthwise logo are trademarks of Healthwise, Incorporated.

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Business Loans – Check Business Loan Interest Rate – Eligibility Online at HDFC Bank

#business loan

#

Business Loan

  • Features Benefits
  • Eligibility
  • Fees Charges
  • In – Principle loan eligibility in 1 Minute online and across all branches
  • Convenience of contacting us through SMS, Webchat, Click2Talk, PhoneBanking and across all Branches
  • Business Loan is also available on the basis of repayment of home loans, auto loans and credit cards.
  • Loan Amount up to Rs. 15 Lakhs (Up to Rs. 40 Lakhs in selected locations).
  • Flexible repayment options ranging from 12 – 36 Months.
  • Credit Protect Insurance Plan:
    We help you take care of your loved ones with a Credit Protect Plan to cover your loan at a nominal premium.*

In case of Natural / Accidental Death of the customer, the customer / nominee can avail of the Payment Protection Insurance (Credit Protect) which insures the principle outstanding on the loan up to a maximum of the loan amount.

We will charge a premium for this product, and the premium amount will be deducted from the loan amount at the time of disbursal. We will also charge service tax and applicable surcharge/cess at the rates notified by the government.

Secure your business loan with Credit Protect.

Key benefits of policy

  • Protects the family by paying off the loan amount in case of death of the customer
  • Life Coverage provides peace of Mind
  • No need to use other savings to repay the loan
  • Tax Benefits as per applicable laws
  • One convenient package – loan + insurance

* Premium will be charged for Credit Protect will be deducted from the loan amount at the time of disbursal.

(* terms and conditions of the Insurers shall apply, Above product is offered by HDFC Life Ins Co.ltd)

Already have a Business Loan?

Reduce your EMI, transfer your existing Business Loan to us. Business Loan balance transfer offers special and exclusive benefits.

  • Interest rate as low as 14.99* % on existing loan transfer.
  • Processing fees as low as 0.99%

Now reduce your EMI burden with our balance transfer programme

Get details on eligibility criteria documents required for HDFC Bank Business Loan

Self Employed including Individual Proprietors, Private Ltd. Co. and Partnership Firms involved in the Business of Manufacturing, Trading or Services.

  • Minimum Turnover of Rs. 40 Lakhs.
  • Years in business: Minimum of 3 years in current business and 5 years total business experience
  • Business must be profit making for the last 2 years
  • Minimum Annual Income (ITR): Rs. 1.5 Lakhs p.a.
  • Age of Applicant: Min 21 years Max. 65 years at the time of loan maturity.

Documents you will need to submit:

  • PAN Card For Company /Firm/ individual.
  • Proof of your identity: Copy of Aadhaar Card/Passport/Voter s ID card/driving license.
  • Proof of your address: Copy of Aadhaar Card/Telephone bill/Electricity bill/Passport.
  • Bank Statement (latest 6 months)
  • Latest ITR along with computation of income, Balance sheet and Profit Loss a/c for the last 2 years. Financial should be CA Certified /Audited.
  • Proof of continuation (ITR/Trade license /Establishment /Sales Tax certificate)
  • Other Mandatory Documents (Sole Prop. Declaration Or Certified Copy of Partnership Deed, Certified true copy of Memorandum Articles of Association (certified by Director) Board resolution (Original)

Loan at the sole discretion of HDFC Bank Ltd.

Enclosed below are HDFC Bank Business Loan Interest Rates Charges





Tags : , , , , , , , , , , ,

Business Loans – Check Business Loan Interest Rate – Eligibility Online at HDFC Bank

#business loan

#

Business Loan

  • Features Benefits
  • Eligibility
  • Fees Charges
  • In – Principle loan eligibility in 1 Minute online and across all branches
  • Convenience of contacting us through SMS, Webchat, Click2Talk, PhoneBanking and across all Branches
  • Business Loan is also available on the basis of repayment of home loans, auto loans and credit cards.
  • Loan Amount up to Rs. 15 Lakhs (Up to Rs. 40 Lakhs in selected locations).
  • Flexible repayment options ranging from 12 – 36 Months.
  • Credit Protect Insurance Plan:
    We help you take care of your loved ones with a Credit Protect Plan to cover your loan at a nominal premium.*

In case of Natural / Accidental Death of the customer, the customer / nominee can avail of the Payment Protection Insurance (Credit Protect) which insures the principle outstanding on the loan up to a maximum of the loan amount.

We will charge a premium for this product, and the premium amount will be deducted from the loan amount at the time of disbursal. We will also charge service tax and applicable surcharge/cess at the rates notified by the government.

Secure your business loan with Credit Protect.

Key benefits of policy

  • Protects the family by paying off the loan amount in case of death of the customer
  • Life Coverage provides peace of Mind
  • No need to use other savings to repay the loan
  • Tax Benefits as per applicable laws
  • One convenient package – loan + insurance

* Premium will be charged for Credit Protect will be deducted from the loan amount at the time of disbursal.

(* terms and conditions of the Insurers shall apply, Above product is offered by HDFC Life Ins Co.ltd)

Already have a Business Loan?

Reduce your EMI, transfer your existing Business Loan to us. Business Loan balance transfer offers special and exclusive benefits.

  • Interest rate as low as 14.99* % on existing loan transfer.
  • Processing fees as low as 0.99%

Now reduce your EMI burden with our balance transfer programme

Get details on eligibility criteria documents required for HDFC Bank Business Loan

Self Employed including Individual Proprietors, Private Ltd. Co. and Partnership Firms involved in the Business of Manufacturing, Trading or Services.

  • Minimum Turnover of Rs. 40 Lakhs.
  • Years in business: Minimum of 3 years in current business and 5 years total business experience
  • Business must be profit making for the last 2 years
  • Minimum Annual Income (ITR): Rs. 1.5 Lakhs p.a.
  • Age of Applicant: Min 21 years Max. 65 years at the time of loan maturity.

Documents you will need to submit:

  • PAN Card For Company /Firm/ individual.
  • Proof of your identity: Copy of Aadhaar Card/Passport/Voter s ID card/driving license.
  • Proof of your address: Copy of Aadhaar Card/Telephone bill/Electricity bill/Passport.
  • Bank Statement (latest 6 months)
  • Latest ITR along with computation of income, Balance sheet and Profit Loss a/c for the last 2 years. Financial should be CA Certified /Audited.
  • Proof of continuation (ITR/Trade license /Establishment /Sales Tax certificate)
  • Other Mandatory Documents (Sole Prop. Declaration Or Certified Copy of Partnership Deed, Certified true copy of Memorandum Articles of Association (certified by Director) Board resolution (Original)

Loan at the sole discretion of HDFC Bank Ltd.

Enclosed below are HDFC Bank Business Loan Interest Rates Charges





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Capitalization Rate – Business Valuation Glossary – ValuAdder #small #business #admin

#business valuations

#

Capitalization Rate

Definition

A value, typically expressed as a fraction, used to divide a business economic benefit to arrive at the business value.

What It Means

Capitalization rate or Cap rate. is a divisor used to convert a single-point business economic benefit into the business value. The typical economic benefit used in business valuation is business earnings such as the seller’s discretionary cash flow. net cash flow or EBITDA.

Note that the capitalization rate is the reciprocal of the business valuation multiple which is used by the Multiple of Discretionary Earnings business valuation method.

Business Valuation using a Multiple of Earnings

Capitalization rate equals earnings growth adjusted discount rate

Capitalization rate is related to the discount rate through the following formula:

In this formula Cap is the capitalization rate, Disc is the discount rate, and G is the expected annual long-term growth rate in the business earnings being capitalized.

Similar to the discount rate. you can use one or more cost of capital models to calculate the capitalization rate.

To estimate the capitalization rate, first build up the discount rate. estimate the long-term earnings growth rate G. then apply the formula above.

Cap rate is used as one of the key inputs into the Capitalization of Earnings income-based business valuation method.

ValuAdder ® is a registered trademark, ValuAdder logo and product symbols are trademarks of Haleo Corporation. Mac ® and OS X ® are registered trademarks of Apple, Inc. Windows ® is a registered trademark of Microsoft Corporation. All other trademarks are property of their respective owners.

Haleo guards your privacy and security. We are certified by VeriSign ® and Trustwave ®.

Copyright © 2002-2016 Haleo Corporation. All rights reserved.





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Capitalization Rate – Business Valuation Glossary – ValuAdder #stock #market #websites

#business valuations

#

Capitalization Rate

Definition

A value, typically expressed as a fraction, used to divide a business economic benefit to arrive at the business value.

What It Means

Capitalization rate or Cap rate. is a divisor used to convert a single-point business economic benefit into the business value. The typical economic benefit used in business valuation is business earnings such as the seller’s discretionary cash flow. net cash flow or EBITDA.

Note that the capitalization rate is the reciprocal of the business valuation multiple which is used by the Multiple of Discretionary Earnings business valuation method.

Business Valuation using a Multiple of Earnings

Capitalization rate equals earnings growth adjusted discount rate

Capitalization rate is related to the discount rate through the following formula:

In this formula Cap is the capitalization rate, Disc is the discount rate, and G is the expected annual long-term growth rate in the business earnings being capitalized.

Similar to the discount rate. you can use one or more cost of capital models to calculate the capitalization rate.

To estimate the capitalization rate, first build up the discount rate. estimate the long-term earnings growth rate G. then apply the formula above.

Cap rate is used as one of the key inputs into the Capitalization of Earnings income-based business valuation method.

ValuAdder ® is a registered trademark, ValuAdder logo and product symbols are trademarks of Haleo Corporation. Mac ® and OS X ® are registered trademarks of Apple, Inc. Windows ® is a registered trademark of Microsoft Corporation. All other trademarks are property of their respective owners.

Haleo guards your privacy and security. We are certified by VeriSign ® and Trustwave ®.

Copyright © 2002-2016 Haleo Corporation. All rights reserved.





Tags : , , , , , ,

Business Loans – Check Business Loan Interest Rate – Eligibility Online at HDFC Bank

#business loan

#

Business Loan

  • Features Benefits
  • Eligibility
  • Fees Charges
  • In – Principle loan eligibility in 1 Minute online and across all branches
  • Convenience of contacting us through SMS, Webchat, Click2Talk, PhoneBanking and across all Branches
  • Business Loan is also available on the basis of repayment of home loans, auto loans and credit cards.
  • Loan Amount up to Rs. 15 Lakhs (Up to Rs. 40 Lakhs in selected locations).
  • Flexible repayment options ranging from 12 – 36 Months.
  • Credit Protect Insurance Plan:
    We help you take care of your loved ones with a Credit Protect Plan to cover your loan at a nominal premium.*

In case of Natural / Accidental Death of the customer, the customer / nominee can avail of the Payment Protection Insurance (Credit Protect) which insures the principle outstanding on the loan up to a maximum of the loan amount.

We will charge a premium for this product, and the premium amount will be deducted from the loan amount at the time of disbursal. We will also charge service tax and applicable surcharge/cess at the rates notified by the government.

Secure your business loan with Credit Protect.

Key benefits of policy

  • Protects the family by paying off the loan amount in case of death of the customer
  • Life Coverage provides peace of Mind
  • No need to use other savings to repay the loan
  • Tax Benefits as per applicable laws
  • One convenient package – loan + insurance

* Premium will be charged for Credit Protect will be deducted from the loan amount at the time of disbursal.

(* terms and conditions of the Insurers shall apply, Above product is offered by HDFC Life Ins Co.ltd)

Already have a Business Loan?

Reduce your EMI, transfer your existing Business Loan to us. Business Loan balance transfer offers special and exclusive benefits.

  • Interest rate as low as 14.99* % on existing loan transfer.
  • Processing fees as low as 0.99%

Now reduce your EMI burden with our balance transfer programme

Get details on eligibility criteria documents required for HDFC Bank Business Loan

Self Employed including Individual Proprietors, Private Ltd. Co. and Partnership Firms involved in the Business of Manufacturing, Trading or Services.

  • Minimum Turnover of Rs. 40 Lakhs.
  • Years in business: Minimum of 3 years in current business and 5 years total business experience
  • Business must be profit making for the last 2 years
  • Minimum Annual Income (ITR): Rs. 1.5 Lakhs p.a.
  • Age of Applicant: Min 21 years Max. 65 years at the time of loan maturity.

Documents you will need to submit:

  • PAN Card For Company /Firm/ individual.
  • Proof of your identity: Copy of Aadhaar Card/Passport/Voter s ID card/driving license.
  • Proof of your address: Copy of Aadhaar Card/Telephone bill/Electricity bill/Passport.
  • Bank Statement (latest 6 months)
  • Latest ITR along with computation of income, Balance sheet and Profit Loss a/c for the last 2 years. Financial should be CA Certified /Audited.
  • Proof of continuation (ITR/Trade license /Establishment /Sales Tax certificate)
  • Other Mandatory Documents (Sole Prop. Declaration Or Certified Copy of Partnership Deed, Certified true copy of Memorandum Articles of Association (certified by Director) Board resolution (Original)

Loan at the sole discretion of HDFC Bank Ltd.

Enclosed below are HDFC Bank Business Loan Interest Rates Charges





Tags : , , , , , , , , , , ,

Capitalization Rate – Business Valuation Glossary – ValuAdder #business #simulation #games

#business valuations

#

Capitalization Rate

Definition

A value, typically expressed as a fraction, used to divide a business economic benefit to arrive at the business value.

What It Means

Capitalization rate or Cap rate. is a divisor used to convert a single-point business economic benefit into the business value. The typical economic benefit used in business valuation is business earnings such as the seller’s discretionary cash flow. net cash flow or EBITDA.

Note that the capitalization rate is the reciprocal of the business valuation multiple which is used by the Multiple of Discretionary Earnings business valuation method.

Business Valuation using a Multiple of Earnings

Capitalization rate equals earnings growth adjusted discount rate

Capitalization rate is related to the discount rate through the following formula:

In this formula Cap is the capitalization rate, Disc is the discount rate, and G is the expected annual long-term growth rate in the business earnings being capitalized.

Similar to the discount rate. you can use one or more cost of capital models to calculate the capitalization rate.

To estimate the capitalization rate, first build up the discount rate. estimate the long-term earnings growth rate G. then apply the formula above.

Cap rate is used as one of the key inputs into the Capitalization of Earnings income-based business valuation method.

ValuAdder ® is a registered trademark, ValuAdder logo and product symbols are trademarks of Haleo Corporation. Mac ® and OS X ® are registered trademarks of Apple, Inc. Windows ® is a registered trademark of Microsoft Corporation. All other trademarks are property of their respective owners.

Haleo guards your privacy and security. We are certified by VeriSign ® and Trustwave ®.

Copyright © 2002-2016 Haleo Corporation. All rights reserved.





Tags : , , , , , ,