The document discusses various types of home loans available in India, including home purchase loans, home improvement loans, and loans for home construction or land purchase. It outlines the typical home loan process, from finding a property to signing the loan agreement. Required documents include identity, address, and income proofs. Interest rates on home loans can be fixed, floating, or resettable fixed. A table compares interest rates and fees from major Indian banks.
Need Money for Your Deals? Is Creative Deal Making Right for Your Next Real Estate Transaction? Find All the Answers your Need Here in our Private Money Special Supplement by Realty411 Magazine.
State Bank of India (SBI) is India's largest bank with over 14,000 branches and 32,000 ATMs. It was established in 1955 and nationalized in 1969. SBI has a large domestic and international presence with over 180 overseas offices. Some key points:
- Deposits have risen to Rs. 12 trillion with 15% annual growth, while advances crossed Rs. 10 trillion with 21% growth.
- It has expanded its branch network by 719 branches to a total of 14,816 branches, with 66% located in rural/semi-urban areas.
- SBI has subsidiaries in Canada, California, and several other countries around the world.
- Major
The document discusses a home loan application from Mr. Pradeep Singha for Rs. 15,50,000 to buy a built up house or flat. Key details include an interest rate of 10.90% and repayment period of 20 years. The bank will conduct verification of income, credit check, and property assessment before conditional loan sanction and final disbursement. Required documents include payslips, bank statements, identity proof, and loan application form. The calculated monthly EMI is Rs. 15,893.57 over the loan term.
The document discusses housing finance in India. It provides an introduction to housing loans facilitated by the Reserve Bank of India. It then summarizes the objectives of studying Indian housing finance. It describes direct and indirect housing finance and loan limits under priority sectors. It discusses the growth of housing finance marketing and provides an overview of HDFC, SBI Home Finance, and LIC Housing Finance, including their services and financial performance. The conclusion compares the three companies.
2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
Product Design Trends in 2024 | Teenage EngineeringsPixeldarts
The realm of product design is a constantly changing environment where technology and style intersect. Every year introduces fresh challenges and exciting trends that mold the future of this captivating art form. In this piece, we delve into the significant trends set to influence the look and functionality of product design in the year 2024.
The document discusses various types of home loans available in India, including home purchase loans, home improvement loans, and loans for home construction or land purchase. It outlines the typical home loan process, from finding a property to signing the loan agreement. Required documents include identity, address, and income proofs. Interest rates on home loans can be fixed, floating, or resettable fixed. A table compares interest rates and fees from major Indian banks.
Need Money for Your Deals? Is Creative Deal Making Right for Your Next Real Estate Transaction? Find All the Answers your Need Here in our Private Money Special Supplement by Realty411 Magazine.
State Bank of India (SBI) is India's largest bank with over 14,000 branches and 32,000 ATMs. It was established in 1955 and nationalized in 1969. SBI has a large domestic and international presence with over 180 overseas offices. Some key points:
- Deposits have risen to Rs. 12 trillion with 15% annual growth, while advances crossed Rs. 10 trillion with 21% growth.
- It has expanded its branch network by 719 branches to a total of 14,816 branches, with 66% located in rural/semi-urban areas.
- SBI has subsidiaries in Canada, California, and several other countries around the world.
- Major
The document discusses a home loan application from Mr. Pradeep Singha for Rs. 15,50,000 to buy a built up house or flat. Key details include an interest rate of 10.90% and repayment period of 20 years. The bank will conduct verification of income, credit check, and property assessment before conditional loan sanction and final disbursement. Required documents include payslips, bank statements, identity proof, and loan application form. The calculated monthly EMI is Rs. 15,893.57 over the loan term.
The document discusses housing finance in India. It provides an introduction to housing loans facilitated by the Reserve Bank of India. It then summarizes the objectives of studying Indian housing finance. It describes direct and indirect housing finance and loan limits under priority sectors. It discusses the growth of housing finance marketing and provides an overview of HDFC, SBI Home Finance, and LIC Housing Finance, including their services and financial performance. The conclusion compares the three companies.
2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
Product Design Trends in 2024 | Teenage EngineeringsPixeldarts
The realm of product design is a constantly changing environment where technology and style intersect. Every year introduces fresh challenges and exciting trends that mold the future of this captivating art form. In this piece, we delve into the significant trends set to influence the look and functionality of product design in the year 2024.
How Race, Age and Gender Shape Attitudes Towards Mental HealthThinkNow
Mental health has been in the news quite a bit lately. Dozens of U.S. states are currently suing Meta for contributing to the youth mental health crisis by inserting addictive features into their products, while the U.S. Surgeon General is touring the nation to bring awareness to the growing epidemic of loneliness and isolation. The country has endured periods of low national morale, such as in the 1970s when high inflation and the energy crisis worsened public sentiment following the Vietnam War. The current mood, however, feels different. Gallup recently reported that national mental health is at an all-time low, with few bright spots to lift spirits.
To better understand how Americans are feeling and their attitudes towards mental health in general, ThinkNow conducted a nationally representative quantitative survey of 1,500 respondents and found some interesting differences among ethnic, age and gender groups.
Technology
For example, 52% agree that technology and social media have a negative impact on mental health, but when broken out by race, 61% of Whites felt technology had a negative effect, and only 48% of Hispanics thought it did.
While technology has helped us keep in touch with friends and family in faraway places, it appears to have degraded our ability to connect in person. Staying connected online is a double-edged sword since the same news feed that brings us pictures of the grandkids and fluffy kittens also feeds us news about the wars in Israel and Ukraine, the dysfunction in Washington, the latest mass shooting and the climate crisis.
Hispanics may have a built-in defense against the isolation technology breeds, owing to their large, multigenerational households, strong social support systems, and tendency to use social media to stay connected with relatives abroad.
Age and Gender
When asked how individuals rate their mental health, men rate it higher than women by 11 percentage points, and Baby Boomers rank it highest at 83%, saying it’s good or excellent vs. 57% of Gen Z saying the same.
Gen Z spends the most amount of time on social media, so the notion that social media negatively affects mental health appears to be correlated. Unfortunately, Gen Z is also the generation that’s least comfortable discussing mental health concerns with healthcare professionals. Only 40% of them state they’re comfortable discussing their issues with a professional compared to 60% of Millennials and 65% of Boomers.
Race Affects Attitudes
As seen in previous research conducted by ThinkNow, Asian Americans lag other groups when it comes to awareness of mental health issues. Twenty-four percent of Asian Americans believe that having a mental health issue is a sign of weakness compared to the 16% average for all groups. Asians are also considerably less likely to be aware of mental health services in their communities (42% vs. 55%) and most likely to seek out information on social media (51% vs. 35%).
AI Trends in Creative Operations 2024 by Artwork Flow.pdfmarketingartwork
Creative operations teams expect increased AI use in 2024. Currently, over half of tasks are not AI-enabled, but this is expected to decrease in the coming year. ChatGPT is the most popular AI tool currently. Business leaders are more actively exploring AI benefits than individual contributors. Most respondents do not believe AI will impact workforce size in 2024. However, some inhibitions still exist around AI accuracy and lack of understanding. Creatives primarily want to use AI to save time on mundane tasks and boost productivity.
Organizational culture includes values, norms, systems, symbols, language, assumptions, beliefs, and habits that influence employee behaviors and how people interpret those behaviors. It is important because culture can help or hinder a company's success. Some key aspects of Netflix's culture that help it achieve results include hiring smartly so every position has stars, focusing on attitude over just aptitude, and having a strict policy against peacocks, whiners, and jerks.
PEPSICO Presentation to CAGNY Conference Feb 2024Neil Kimberley
PepsiCo provided a safe harbor statement noting that any forward-looking statements are based on currently available information and are subject to risks and uncertainties. It also provided information on non-GAAP measures and directing readers to its website for disclosure and reconciliation. The document then discussed PepsiCo's business overview, including that it is a global beverage and convenient food company with iconic brands, $91 billion in net revenue in 2023, and nearly $14 billion in core operating profit. It operates through a divisional structure with a focus on local consumers.
Content Methodology: A Best Practices Report (Webinar)contently
This document provides an overview of content methodology best practices. It defines content methodology as establishing objectives, KPIs, and a culture of continuous learning and iteration. An effective methodology focuses on connecting with audiences, creating optimal content, and optimizing processes. It also discusses why a methodology is needed due to the competitive landscape, proliferation of channels, and opportunities for improvement. Components of an effective methodology include defining objectives and KPIs, audience analysis, identifying opportunities, and evaluating resources. The document concludes with recommendations around creating a content plan, testing and optimizing content over 90 days.
How to Prepare For a Successful Job Search for 2024Albert Qian
The document provides guidance on preparing a job search for 2024. It discusses the state of the job market, focusing on growth in AI and healthcare but also continued layoffs. It recommends figuring out what you want to do by researching interests and skills, then conducting informational interviews. The job search should involve building a personal brand on LinkedIn, actively applying to jobs, tailoring resumes and interviews, maintaining job hunting as a habit, and continuing self-improvement. Once hired, the document advises setting new goals and keeping skills and networking active in case of future opportunities.
A report by thenetworkone and Kurio.
The contributing experts and agencies are (in an alphabetical order): Sylwia Rytel, Social Media Supervisor, 180heartbeats + JUNG v MATT (PL), Sharlene Jenner, Vice President - Director of Engagement Strategy, Abelson Taylor (USA), Alex Casanovas, Digital Director, Atrevia (ES), Dora Beilin, Senior Social Strategist, Barrett Hoffher (USA), Min Seo, Campaign Director, Brand New Agency (KR), Deshé M. Gully, Associate Strategist, Day One Agency (USA), Francesca Trevisan, Strategist, Different (IT), Trevor Crossman, CX and Digital Transformation Director; Olivia Hussey, Strategic Planner; Simi Srinarula, Social Media Manager, The Hallway (AUS), James Hebbert, Managing Director, Hylink (CN / UK), Mundy Álvarez, Planning Director; Pedro Rojas, Social Media Manager; Pancho González, CCO, Inbrax (CH), Oana Oprea, Head of Digital Planning, Jam Session Agency (RO), Amy Bottrill, Social Account Director, Launch (UK), Gaby Arriaga, Founder, Leonardo1452 (MX), Shantesh S Row, Creative Director, Liwa (UAE), Rajesh Mehta, Chief Strategy Officer; Dhruv Gaur, Digital Planning Lead; Leonie Mergulhao, Account Supervisor - Social Media & PR, Medulla (IN), Aurelija Plioplytė, Head of Digital & Social, Not Perfect (LI), Daiana Khaidargaliyeva, Account Manager, Osaka Labs (UK / USA), Stefanie Söhnchen, Vice President Digital, PIABO Communications (DE), Elisabeth Winiartati, Managing Consultant, Head of Global Integrated Communications; Lydia Aprina, Account Manager, Integrated Marketing and Communications; Nita Prabowo, Account Manager, Integrated Marketing and Communications; Okhi, Web Developer, PNTR Group (ID), Kei Obusan, Insights Director; Daffi Ranandi, Insights Manager, Radarr (SG), Gautam Reghunath, Co-founder & CEO, Talented (IN), Donagh Humphreys, Head of Social and Digital Innovation, THINKHOUSE (IRE), Sarah Yim, Strategy Director, Zulu Alpha Kilo (CA).
Trends In Paid Search: Navigating The Digital Landscape In 2024Search Engine Journal
The search marketing landscape is evolving rapidly with new technologies, and professionals, like you, rely on innovative paid search strategies to meet changing demands.
It’s important that you’re ready to implement new strategies in 2024.
Check this out and learn the top trends in paid search advertising that are expected to gain traction, so you can drive higher ROI more efficiently in 2024.
You’ll learn:
- The latest trends in AI and automation, and what this means for an evolving paid search ecosystem.
- New developments in privacy and data regulation.
- Emerging ad formats that are expected to make an impact next year.
Watch Sreekant Lanka from iQuanti and Irina Klein from OneMain Financial as they dive into the future of paid search and explore the trends, strategies, and technologies that will shape the search marketing landscape.
If you’re looking to assess your paid search strategy and design an industry-aligned plan for 2024, then this webinar is for you.
5 Public speaking tips from TED - Visualized summarySpeakerHub
From their humble beginnings in 1984, TED has grown into the world’s most powerful amplifier for speakers and thought-leaders to share their ideas. They have over 2,400 filmed talks (not including the 30,000+ TEDx videos) freely available online, and have hosted over 17,500 events around the world.
With over one billion views in a year, it’s no wonder that so many speakers are looking to TED for ideas on how to share their message more effectively.
The article “5 Public-Speaking Tips TED Gives Its Speakers”, by Carmine Gallo for Forbes, gives speakers five practical ways to connect with their audience, and effectively share their ideas on stage.
Whether you are gearing up to get on a TED stage yourself, or just want to master the skills that so many of their speakers possess, these tips and quotes from Chris Anderson, the TED Talks Curator, will encourage you to make the most impactful impression on your audience.
See the full article and more summaries like this on SpeakerHub here: https://speakerhub.com/blog/5-presentation-tips-ted-gives-its-speakers
See the original article on Forbes here:
http://www.forbes.com/forbes/welcome/?toURL=http://www.forbes.com/sites/carminegallo/2016/05/06/5-public-speaking-tips-ted-gives-its-speakers/&refURL=&referrer=#5c07a8221d9b
ChatGPT and the Future of Work - Clark Boyd Clark Boyd
Everyone is in agreement that ChatGPT (and other generative AI tools) will shape the future of work. Yet there is little consensus on exactly how, when, and to what extent this technology will change our world.
Businesses that extract maximum value from ChatGPT will use it as a collaborative tool for everything from brainstorming to technical maintenance.
For individuals, now is the time to pinpoint the skills the future professional will need to thrive in the AI age.
Check out this presentation to understand what ChatGPT is, how it will shape the future of work, and how you can prepare to take advantage.
The document provides career advice for getting into the tech field, including:
- Doing projects and internships in college to build a portfolio.
- Learning about different roles and technologies through industry research.
- Contributing to open source projects to build experience and network.
- Developing a personal brand through a website and social media presence.
- Networking through events, communities, and finding a mentor.
- Practicing interviews through mock interviews and whiteboarding coding questions.
Google's Just Not That Into You: Understanding Core Updates & Search IntentLily Ray
1. Core updates from Google periodically change how its algorithms assess and rank websites and pages. This can impact rankings through shifts in user intent, site quality issues being caught up to, world events influencing queries, and overhauls to search like the E-A-T framework.
2. There are many possible user intents beyond just transactional, navigational and informational. Identifying intent shifts is important during core updates. Sites may need to optimize for new intents through different content types and sections.
3. Responding effectively to core updates requires analyzing "before and after" data to understand changes, identifying new intents or page types, and ensuring content matches appropriate intents across video, images, knowledge graphs and more.
A brief introduction to DataScience with explaining of the concepts, algorithms, machine learning, supervised and unsupervised learning, clustering, statistics, data preprocessing, real-world applications etc.
It's part of a Data Science Corner Campaign where I will be discussing the fundamentals of DataScience, AIML, Statistics etc.
Time Management & Productivity - Best PracticesVit Horky
Here's my presentation on by proven best practices how to manage your work time effectively and how to improve your productivity. It includes practical tips and how to use tools such as Slack, Google Apps, Hubspot, Google Calendar, Gmail and others.
The six step guide to practical project managementMindGenius
The six step guide to practical project management
If you think managing projects is too difficult, think again.
We’ve stripped back project management processes to the
basics – to make it quicker and easier, without sacrificing
the vital ingredients for success.
“If you’re looking for some real-world guidance, then The Six Step Guide to Practical Project Management will help.”
Dr Andrew Makar, Tactical Project Management
Unlocking the Power of ChatGPT and AI in Testing - A Real-World Look, present...Applitools
During this webinar, Anand Bagmar demonstrates how AI tools such as ChatGPT can be applied to various stages of the software development life cycle (SDLC) using an eCommerce application case study. Find the on-demand recording and more info at https://applitools.info/b59
Key takeaways:
• Learn how to use ChatGPT to add AI power to your testing and test automation
• Understand the limitations of the technology and where human expertise is crucial
• Gain insight into different AI-based tools
• Adopt AI-based tools to stay relevant and optimize work for developers and testers
* ChatGPT and OpenAI belong to OpenAI, L.L.C.
The document discusses various AI tools from OpenAI like GPT-3 and DALL-E 2, as well as ChatGPT. It explores how search engines are using AI and things to consider around AI-generated content. Potential SEO uses of ChatGPT are also presented, such as generating content at scale, conducting topic research, and automating basic coding tasks. The document encourages further reading on using ChatGPT for SEO purposes.
How Race, Age and Gender Shape Attitudes Towards Mental HealthThinkNow
Mental health has been in the news quite a bit lately. Dozens of U.S. states are currently suing Meta for contributing to the youth mental health crisis by inserting addictive features into their products, while the U.S. Surgeon General is touring the nation to bring awareness to the growing epidemic of loneliness and isolation. The country has endured periods of low national morale, such as in the 1970s when high inflation and the energy crisis worsened public sentiment following the Vietnam War. The current mood, however, feels different. Gallup recently reported that national mental health is at an all-time low, with few bright spots to lift spirits.
To better understand how Americans are feeling and their attitudes towards mental health in general, ThinkNow conducted a nationally representative quantitative survey of 1,500 respondents and found some interesting differences among ethnic, age and gender groups.
Technology
For example, 52% agree that technology and social media have a negative impact on mental health, but when broken out by race, 61% of Whites felt technology had a negative effect, and only 48% of Hispanics thought it did.
While technology has helped us keep in touch with friends and family in faraway places, it appears to have degraded our ability to connect in person. Staying connected online is a double-edged sword since the same news feed that brings us pictures of the grandkids and fluffy kittens also feeds us news about the wars in Israel and Ukraine, the dysfunction in Washington, the latest mass shooting and the climate crisis.
Hispanics may have a built-in defense against the isolation technology breeds, owing to their large, multigenerational households, strong social support systems, and tendency to use social media to stay connected with relatives abroad.
Age and Gender
When asked how individuals rate their mental health, men rate it higher than women by 11 percentage points, and Baby Boomers rank it highest at 83%, saying it’s good or excellent vs. 57% of Gen Z saying the same.
Gen Z spends the most amount of time on social media, so the notion that social media negatively affects mental health appears to be correlated. Unfortunately, Gen Z is also the generation that’s least comfortable discussing mental health concerns with healthcare professionals. Only 40% of them state they’re comfortable discussing their issues with a professional compared to 60% of Millennials and 65% of Boomers.
Race Affects Attitudes
As seen in previous research conducted by ThinkNow, Asian Americans lag other groups when it comes to awareness of mental health issues. Twenty-four percent of Asian Americans believe that having a mental health issue is a sign of weakness compared to the 16% average for all groups. Asians are also considerably less likely to be aware of mental health services in their communities (42% vs. 55%) and most likely to seek out information on social media (51% vs. 35%).
AI Trends in Creative Operations 2024 by Artwork Flow.pdfmarketingartwork
Creative operations teams expect increased AI use in 2024. Currently, over half of tasks are not AI-enabled, but this is expected to decrease in the coming year. ChatGPT is the most popular AI tool currently. Business leaders are more actively exploring AI benefits than individual contributors. Most respondents do not believe AI will impact workforce size in 2024. However, some inhibitions still exist around AI accuracy and lack of understanding. Creatives primarily want to use AI to save time on mundane tasks and boost productivity.
Organizational culture includes values, norms, systems, symbols, language, assumptions, beliefs, and habits that influence employee behaviors and how people interpret those behaviors. It is important because culture can help or hinder a company's success. Some key aspects of Netflix's culture that help it achieve results include hiring smartly so every position has stars, focusing on attitude over just aptitude, and having a strict policy against peacocks, whiners, and jerks.
PEPSICO Presentation to CAGNY Conference Feb 2024Neil Kimberley
PepsiCo provided a safe harbor statement noting that any forward-looking statements are based on currently available information and are subject to risks and uncertainties. It also provided information on non-GAAP measures and directing readers to its website for disclosure and reconciliation. The document then discussed PepsiCo's business overview, including that it is a global beverage and convenient food company with iconic brands, $91 billion in net revenue in 2023, and nearly $14 billion in core operating profit. It operates through a divisional structure with a focus on local consumers.
Content Methodology: A Best Practices Report (Webinar)contently
This document provides an overview of content methodology best practices. It defines content methodology as establishing objectives, KPIs, and a culture of continuous learning and iteration. An effective methodology focuses on connecting with audiences, creating optimal content, and optimizing processes. It also discusses why a methodology is needed due to the competitive landscape, proliferation of channels, and opportunities for improvement. Components of an effective methodology include defining objectives and KPIs, audience analysis, identifying opportunities, and evaluating resources. The document concludes with recommendations around creating a content plan, testing and optimizing content over 90 days.
How to Prepare For a Successful Job Search for 2024Albert Qian
The document provides guidance on preparing a job search for 2024. It discusses the state of the job market, focusing on growth in AI and healthcare but also continued layoffs. It recommends figuring out what you want to do by researching interests and skills, then conducting informational interviews. The job search should involve building a personal brand on LinkedIn, actively applying to jobs, tailoring resumes and interviews, maintaining job hunting as a habit, and continuing self-improvement. Once hired, the document advises setting new goals and keeping skills and networking active in case of future opportunities.
A report by thenetworkone and Kurio.
The contributing experts and agencies are (in an alphabetical order): Sylwia Rytel, Social Media Supervisor, 180heartbeats + JUNG v MATT (PL), Sharlene Jenner, Vice President - Director of Engagement Strategy, Abelson Taylor (USA), Alex Casanovas, Digital Director, Atrevia (ES), Dora Beilin, Senior Social Strategist, Barrett Hoffher (USA), Min Seo, Campaign Director, Brand New Agency (KR), Deshé M. Gully, Associate Strategist, Day One Agency (USA), Francesca Trevisan, Strategist, Different (IT), Trevor Crossman, CX and Digital Transformation Director; Olivia Hussey, Strategic Planner; Simi Srinarula, Social Media Manager, The Hallway (AUS), James Hebbert, Managing Director, Hylink (CN / UK), Mundy Álvarez, Planning Director; Pedro Rojas, Social Media Manager; Pancho González, CCO, Inbrax (CH), Oana Oprea, Head of Digital Planning, Jam Session Agency (RO), Amy Bottrill, Social Account Director, Launch (UK), Gaby Arriaga, Founder, Leonardo1452 (MX), Shantesh S Row, Creative Director, Liwa (UAE), Rajesh Mehta, Chief Strategy Officer; Dhruv Gaur, Digital Planning Lead; Leonie Mergulhao, Account Supervisor - Social Media & PR, Medulla (IN), Aurelija Plioplytė, Head of Digital & Social, Not Perfect (LI), Daiana Khaidargaliyeva, Account Manager, Osaka Labs (UK / USA), Stefanie Söhnchen, Vice President Digital, PIABO Communications (DE), Elisabeth Winiartati, Managing Consultant, Head of Global Integrated Communications; Lydia Aprina, Account Manager, Integrated Marketing and Communications; Nita Prabowo, Account Manager, Integrated Marketing and Communications; Okhi, Web Developer, PNTR Group (ID), Kei Obusan, Insights Director; Daffi Ranandi, Insights Manager, Radarr (SG), Gautam Reghunath, Co-founder & CEO, Talented (IN), Donagh Humphreys, Head of Social and Digital Innovation, THINKHOUSE (IRE), Sarah Yim, Strategy Director, Zulu Alpha Kilo (CA).
Trends In Paid Search: Navigating The Digital Landscape In 2024Search Engine Journal
The search marketing landscape is evolving rapidly with new technologies, and professionals, like you, rely on innovative paid search strategies to meet changing demands.
It’s important that you’re ready to implement new strategies in 2024.
Check this out and learn the top trends in paid search advertising that are expected to gain traction, so you can drive higher ROI more efficiently in 2024.
You’ll learn:
- The latest trends in AI and automation, and what this means for an evolving paid search ecosystem.
- New developments in privacy and data regulation.
- Emerging ad formats that are expected to make an impact next year.
Watch Sreekant Lanka from iQuanti and Irina Klein from OneMain Financial as they dive into the future of paid search and explore the trends, strategies, and technologies that will shape the search marketing landscape.
If you’re looking to assess your paid search strategy and design an industry-aligned plan for 2024, then this webinar is for you.
5 Public speaking tips from TED - Visualized summarySpeakerHub
From their humble beginnings in 1984, TED has grown into the world’s most powerful amplifier for speakers and thought-leaders to share their ideas. They have over 2,400 filmed talks (not including the 30,000+ TEDx videos) freely available online, and have hosted over 17,500 events around the world.
With over one billion views in a year, it’s no wonder that so many speakers are looking to TED for ideas on how to share their message more effectively.
The article “5 Public-Speaking Tips TED Gives Its Speakers”, by Carmine Gallo for Forbes, gives speakers five practical ways to connect with their audience, and effectively share their ideas on stage.
Whether you are gearing up to get on a TED stage yourself, or just want to master the skills that so many of their speakers possess, these tips and quotes from Chris Anderson, the TED Talks Curator, will encourage you to make the most impactful impression on your audience.
See the full article and more summaries like this on SpeakerHub here: https://speakerhub.com/blog/5-presentation-tips-ted-gives-its-speakers
See the original article on Forbes here:
http://www.forbes.com/forbes/welcome/?toURL=http://www.forbes.com/sites/carminegallo/2016/05/06/5-public-speaking-tips-ted-gives-its-speakers/&refURL=&referrer=#5c07a8221d9b
ChatGPT and the Future of Work - Clark Boyd Clark Boyd
Everyone is in agreement that ChatGPT (and other generative AI tools) will shape the future of work. Yet there is little consensus on exactly how, when, and to what extent this technology will change our world.
Businesses that extract maximum value from ChatGPT will use it as a collaborative tool for everything from brainstorming to technical maintenance.
For individuals, now is the time to pinpoint the skills the future professional will need to thrive in the AI age.
Check out this presentation to understand what ChatGPT is, how it will shape the future of work, and how you can prepare to take advantage.
The document provides career advice for getting into the tech field, including:
- Doing projects and internships in college to build a portfolio.
- Learning about different roles and technologies through industry research.
- Contributing to open source projects to build experience and network.
- Developing a personal brand through a website and social media presence.
- Networking through events, communities, and finding a mentor.
- Practicing interviews through mock interviews and whiteboarding coding questions.
Google's Just Not That Into You: Understanding Core Updates & Search IntentLily Ray
1. Core updates from Google periodically change how its algorithms assess and rank websites and pages. This can impact rankings through shifts in user intent, site quality issues being caught up to, world events influencing queries, and overhauls to search like the E-A-T framework.
2. There are many possible user intents beyond just transactional, navigational and informational. Identifying intent shifts is important during core updates. Sites may need to optimize for new intents through different content types and sections.
3. Responding effectively to core updates requires analyzing "before and after" data to understand changes, identifying new intents or page types, and ensuring content matches appropriate intents across video, images, knowledge graphs and more.
A brief introduction to DataScience with explaining of the concepts, algorithms, machine learning, supervised and unsupervised learning, clustering, statistics, data preprocessing, real-world applications etc.
It's part of a Data Science Corner Campaign where I will be discussing the fundamentals of DataScience, AIML, Statistics etc.
Time Management & Productivity - Best PracticesVit Horky
Here's my presentation on by proven best practices how to manage your work time effectively and how to improve your productivity. It includes practical tips and how to use tools such as Slack, Google Apps, Hubspot, Google Calendar, Gmail and others.
The six step guide to practical project managementMindGenius
The six step guide to practical project management
If you think managing projects is too difficult, think again.
We’ve stripped back project management processes to the
basics – to make it quicker and easier, without sacrificing
the vital ingredients for success.
“If you’re looking for some real-world guidance, then The Six Step Guide to Practical Project Management will help.”
Dr Andrew Makar, Tactical Project Management
Unlocking the Power of ChatGPT and AI in Testing - A Real-World Look, present...Applitools
During this webinar, Anand Bagmar demonstrates how AI tools such as ChatGPT can be applied to various stages of the software development life cycle (SDLC) using an eCommerce application case study. Find the on-demand recording and more info at https://applitools.info/b59
Key takeaways:
• Learn how to use ChatGPT to add AI power to your testing and test automation
• Understand the limitations of the technology and where human expertise is crucial
• Gain insight into different AI-based tools
• Adopt AI-based tools to stay relevant and optimize work for developers and testers
* ChatGPT and OpenAI belong to OpenAI, L.L.C.
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1. Principles & Practices of Banking
and Insurance Project
Housing Loan
Name :- Zishan Siddiqui
Roll No:- 28
F.Y.BBI
2. INDEX
PAGE NO
1. ACKNOWLEDGEMENT 1
2. INTRODUCTION 2
3. HOME LOANS 3
4. TYPES OF HOME LOANS 4
5. HOME LOAN PROCESS AND VARIOUS STEPS INVOLVED 6
6. DOCUMENTS NECESSARY FOR A HOME LOAN 8
7. HOME LOAN INTREST RATES 9
8. COMPARISON 10
9. CONCLUSION 14
10. BIBLOGRAPHY 15
3. ACKNOWLEDGEMENTS:
It is great pleasure to express my sense of gratitude to Prof.
Rajkumar Darida , K.C College, Mumbai, without whose
valuable guidance generous help and constant
enthusiastic inspiration this assignment titled “Housing
Loan” would have never been a success.
I was almost convinced that I was aware of the
Housing Loan granted by the various banking companies.
However, once I started out working on the same, I realized
how grossly inadequate my knowledge had been. I thank sir
4. for giving me all the valuable inputs all along and guiding
me to once again explore the sector I so much feel a part of.
5. Introduction
A Loan is a type of debt. Like all debt instruments, a loan entails the redistribution
of financial assets over time, between the lender and the borrower.
In a loan, the borrower initially receives or borrows an amount of money, called
the principal, from the lender, and is obligated to pay back or repay an equal amount
of money to the lender at a later time. Typically, the money is paid back in
regular installments, or partial repayments; in an annuity, each installment is the
same amount.
A Home equity loan is a type of loan in which the borrower uses the equity in their
home as collateral. These loans are useful to finance major expenses such as home
repairs, medical bills or college education. A home equity loan creates a lien against
the borrower's house, and reduces actual home equity.
Home equity loans are most commonly second position liens (second trust deed),
although they can be held in first or, less commonly, third position. Most home
equity loans require good to excellent credit history, and reasonable loan-to-value
and combined loan-to-value ratios. Home equity loans come in two types, closed
end and open end.
Both are usually referred to as second mortgages, because they are secured against
the value of the property, just like a traditional mortgage. Home equity loans and
lines of credit are usually, but not always, for a shorter term than first mortgages.
This is a revolving credit loan, also referred to as a home equity line of credit, where
the borrower can choose when and how often to borrow against the equity in the
property, with the lender setting an initial limit to the credit line based on criteria
similar to those used for closed-end loans. Like the closed-end loan, it may be
possible to borrow up to 100% of the value of a home, less any liens.
These lines of credit are available up to 30 years, usually at a variable interest rate.
The minimum monthly payment can be as low as only the interest that is due.
Typically, the interest rate is based on the Prime rate plus a margin.
6. Home Loans
Overview
Your Home is a place where you relax after coming back from your day’s tiring work, it is that
place where you can give time to your family & spend beautiful moments with them. To acquire a
home which can be christened your “Own House” is a life-time decision & has to be taken with a
lot of planning & requires huge finances. Your Dream Home is not very far away with a Home
Loan which will fulfill your Dream into a reality.
What is a Home loan?
Home Loan is a Secured Loan offered against the security of a house/property which is funded by
the bank’s loan, the property could be a personal property or a commercial one. The Home Loan
is a loan taken by a borrower from the bank issued against the property/security intended to be
bought on the part by the borrower giving the banker a conditional ownership over the property
i.e. if the borrower is failed to pay back the loan, the banker can retrieve the lent money by selling
the property.
Unique Features of house loan:
• Purpose: For purchase of house from builder / resale and construction / extension of existing
house.
• Loan amount: You can avail for Home loans ranging from Rs.2 lac to Rs.200 lac depending on
your eligibility, income and repayment capacity.
• Security: Home loan is a secured loan wherein collateral are required.
• Loan tenor: The maximum loan tenure is 20 years.
7. Types of Home Loan
A person seeking investments for house or a property opts for Home Loans for a variety of purposes
ranging from construction to renovation. The Housing Finance Companies (HFCs) now offer
individuals with various alternatives to choose from while buying a home loan. There are different
types of home loans available in the market to cater borrower’s different needs.
• Home Purchase Loan : This is the basic type of a home loan which has the purpose of
purchasing a new house.
• Home Improvement Loan : This type of home loan is for the renovation or repair of the
home which is already bought
• Home Extension Loan : This type of loan serves the purpose when the borrower wants to
extend or expand an existing home, like adding an extra room etc.
• Home Conversion Loan : It is that loan wherein the borrower has already taken a home
loan to finance his current home, but now wants to move to another home. The Conversion Home
Loan helps the borrower to transfer the existing loan to the new home which requires extra funds, so
the new loan pays the previous loan & fulfills the money required for new home.
• Bridge Loan : This type of loan helps finance the new home of the borrower when he wants to
sell the existing home, this is normally a short term loan to the borrower & helps during the interim
period when he wants to sell the old home & want to buy a new one, It is given till the time a buyer is
found for the old home.
8. • Home Construction Loan :
This type of loan taken when the borrower wants to construct a new home. The documents that are
required in such a case are slightly different from the ones you submit for a normal Housing Loan. If
you have purchased this plot within a period of one year before you started construction of your
house, most HFCs will include the land cost as a component, to value the total cost of the property. In
cases where the period from the date of purchase of land to the date of application has exceeded a
year, the land cost will not be included in the total cost of property while calculating eligibility.
• Land Purchase Loan :
It is that loan which is taken to purchase a land for construction & investment purposes.
• Stamp Duty Loans:
This loan is sanctioned to pay the stamp duty amount that needs to be paid on the purchase of
property.
• Balance-Transfer Loans:
Balance Transfer is the transfer of the balance of an existing home loan that you availed at a
higher rate of interest (ROI) to either the same HFC or another HFC at the current ROI a lower
rate of interest
• Re-finance Loans:
Refinance loans are taken in case when a loan for your house from a HFI at a particular ROI you
have taken drops over the years and you stand to lose. In such cases you may opt to swap your
loan. This could be done from either the same HFI or another HFI at the current rates of interest,
which is lower.
• NRI Home Loans:
This is tailored for the requirements of Non-Resident Indians who wish to build or buy a home or
property in India. The HFCs offer attractive housing finance plans for NRI investors with suitable
repayment options.
9. Home Loan Process & various steps involved
There are various steps involved in getting a Home Loan from selecting your property to filling up
the loan application. Following are the various stages in Home Loan:
• The first step involved in the process is to find your property which is followed by the
verification of property documents, post that the documents are examined & simultaneously you can
start searching for the lender who can offer the BEST Home Loan Deal after checking your eligibility
criteria.
• Know the Home Loan Eligibility : Banks offer the loan amount only after checking
your profile & based on various eligibility criteria’s like age, income & salary banks lend you the
money.
• Select the Best Home Loan after evaluation: Comparing home loan interest
rates is the primary feature in the home loan selection, however other fees & charges like Application
fees, processing fees, legal charges should not be neglected when comparing various loan offers.
• Applying for the Loan : After you have selected your lender, you have to fill in the
application form wherein the lender requires complete information about your financial assets &
liabilities; other personal & professional details together with the property details & its costs.
• Documentation & Verification Process : You are required to submit the
necessary documents to the bank which will be verified together with the details in the application.
• Credit & default check : Bank checks out the borrower’s loan eligibility (through
repayment capacity) & the amount of loan is confirmed. The borrower’s repayment capacity is
reached which is based on the income, salary, age, experience & nature of business etc. Bank also
checks credit history through the Cibil Score which plays a critical role in deciding & approving your
loan application. Low Credit Score implies that the bank upfront rejects your application on the basis
of earlier credit defaults; on the other hand high credit score gives a green signal to your application.
10. • Bank sanctions Loan & Offer letter to the borrower : After the credit
appraisal of the borrower bank decides the final amount & sanctions the loan, the bank further sends
an offer letter to the borrower which constitutes the details like rate of interest, loan tenure &
repayment options etc.
• Acceptance Copy to the Bank : The borrower needs to send an acceptance copy to
the bank after the borrower agrees with the terms & conditions in the offer letter.
• Bank checks the legal documents : The bank further asks the legal documents of
property from the borrower to check its authenticity so as to keep them as a security for the loan
amount given. The next step involved is the valuation of the property by the bank which determines
the loan amount sanctioned by the bank.
• Signing of agreement & the loan disbursal : The borrower signs the loan
agreement & the bank disburses the loan amount.
11. Documents required in Home Loan
Generally the documents required to processing your loan application are almost similar across all
the banks; however they may differ with various banks depending upon specific requirement etc.
Following documents are required by financial institutions to process the loan application:
• Age Proof
• Address Proof
•Income Proof of the applicant & co-applicant
• Last 6 months bank A/C statement
• Passport size photograph of the applicant & co-applicant
In case of Salaried
• Employment certificate from the employer,
• Copies of pay slips for last few months and TDS certificate
• Latest Form 16 issued by employer Bank statements
In case of Self-employed
• Copy of audited financial statements for the last 2 years
• Copy of partnership deed if it is a partnership firm or copy of memorandum of
association and articles of association if it is a company
• Profit and loss account for the last few years
• Income tax assessment order
12. Home Loans Intrest Rates
Interest Rates for Home Loans depend on the loan amount you are looking for, the tenure, the
purpose and your individual profile. There are basically three types of home loans rates
1) Fixed home loan rates
2) Resettable fixed home loan rates
3) Floating home loan rates
1) Fixed Home Loan rates : In true Fixed Rate Home Loans the rates remain fixed
throughout the tenure of the loan no matter what. These kind of rates are very expensive
(13.50%+ for a 20 year home loan in November 2010) and are offered by a limited number
of lenders in the market.
2) Resettable Fixed Rates : Most of the so called Fixed Rates available in the
market are of this variety. Here the interest rate is fixed for a period of 2-5 years and is then
reset for a further period of 2-5 years and so on. These rates are more reasonable than the
true fixed rates dealt with above. You just need to be clear about the nature of fixed rate
contract you are getting into.
3) Floating Home Loan rates (also called variable rate loans or adjustable rate
loans) For Banks : The effective rate is linked to the Bank's Base Rate. The base rate would
have to be declared by the banks at least once every quarter. It is open to each bank to
decide its own methodology for fixing the base rate but it is not allowed to change the
methodology after selecting one methodlogy. The banks will have to document how it has
arrived at the base rate and follow the same system consistently. The calculation of the base
rate will be open to the RBI for review (which should at least ensure that a set system is
actually followed while calculating the Base Rate). This is of course a much better
stipulation than the earlier system of BPLR, where no such system was required to be
documented by the bank and there was no question of any calculation that could be
reviewed by RBI.
13. Comparison of intrest rates between
various banks
Bank
Name Floating Interest rate
Processing Fee
Prepayment
Charges
ICICI Bank 9.50%
0.50% of loan amount upto 1
crore
Rs.10,000/- above
1 crore If Full
Payment - 2% of
outstanding
amount If Part
Payment - No
Penalty
HDFC Ltd 9.50%
Rs. 10,000/- or 0.5% of loan
amount(whichever is lesser) +
Service Tax
If 25% of
outstanding
amount is paid
every year till 3
years - No Penalty
, otherwise 2% of
outstanding
amount
LIC Housing
Scheme I - 9.50%
(fixed for 5 yrs), then
market rate.
Scheme II - 8.9%
(fixed upto march
2012)
0.5 % -1%
2% of out standing
Payment
AXIS Bank
9.50% 1% of the loan amount +
applicable taxes
NIL
IDBI 9.25% 0.50% of loan amount
If Balance Transfer
then 2%
Otherwise Nil
ING Vysya 9.50%
Up to 20 lacs -
Rs.5000+10.30%(Service tax )
= Rs.5515/-
Above 20 lacs :
0.5%+10.30%(Service tax)
2%
Standard Chartered 9.25% 0.5%
4% for 18 months
and 2% after 18
months
State Bank Of India
8.5% (1st yr),
9.25%(2nd and 3rd
yr),10%(after 3 years)
0.50% of loan amount with a
cap of Rs.10,000 + service tax
N.A
14. DHFL 9.75% -10.25% 0.5% - 1%(basis on profile)
If 20% of
outstanding
amount is paid
every year -No
Penalty , otherwise
2% of outstanding
amount
Citibank
9.25% (CAT A), 9.00%
(CITI GROUP
EMPLOYEES),
9.50%(OTHERS),
10%(SELF EMPLOYED)
0.5%+Service tax 2%
Deutsche Bank 8.75% 5000+ service tax for salaried
and 2.5%( for self employed)
up to 90% no
charges after that
2.5%
India Bulls
9.5%(Floating) |
10.50% (Fixed) (Upto
March 2012), Then
market rate
0.5% 2%-3%
Allahabad Bank 10.00%
0.50% of loan amount,
Maximum Rs. 10,000/-
N.A
Bank of Maharastra 9.50% N.A N.A
Central Bank of India 9.00% 1% of Loan Amount, minimum
Rs.1000/-
N.A
Corporation Bank 9.50%
Upto Rs.5 lakhs
0.50% of loan subject to min.
Rs.1,000/- & max. Rs.2,500/-
Above Rs.5 lakhs & upto Rs.15
lakhs
0.50% of loan subject to min.
Rs.2,500/- & max. Rs.7,500/-
Above Rs.15 lakhs & upto Rs.20
lakhs
0.50% of loan subject to min.
Rs.7,500/- & max. Rs.10,000/-
Above Rs.20 lakhs
0.50% of loan subject to min.
Rs.10,000/- & max.
Rs.50,000/-
N.A
Bank of India 8.75% (fixed Upto 31
Dec 2011), then 10%
(Floating)
For loans upto Rs.30 lacs One
time @ 0.55% of loan amount
min. Rs. 3000/- and max.
Rs.10000/-
For Loan over Rs.30 Lacs upto
Rs.50 lacs – One time flat
Rs.15,000/-
For Loan over Rs.50 Lacs upto
Rs.1.00 crore – One time flat
Rs.20,000/-
N.A
15. Union Bank of India 9.50% N.A N.A
United Bank of India 9.90% N.A N.A
UCO Bank 9.75% - 10.25% - N.A
Bank of Baroda 9.50% N.A N.A
Canara Bank 9.50%
Oriental Bank of
Commerce
10% N.A N.A
Kotak Bank 9.25% - 9.50% 0.25% - 0.5%
2% of Principal
Outstanding + 2%
on amount prepaid
in last 12 months
Dena Bank 9.95% N.A N.A
Punjab National Bank
8.50%(fixed for 3 yrs)
(till 31 Dec 2010),
Then9.75%
0.5% 2%
Deutsche Post Housing
Finance
9.25% ( for Salaried /
SEP), 9.50% (For Self
Employed)
0.5% Nil
Andhra Bank 10.50% N.A N.A
Vijaya Bank 10.25% N.A N.A
Syndicate Bank 10.25% N.A N.A
Indian Overseas Bank 9.25% N.A N.A
Barclays Bank
9.75%
0.5%
Nil, if balance
transfer than
3.65%
Federal Bank 8.75% - 9% 0.50%
HSBC Bank
8.75%( for Normal
Plan), 9%( for Smart
Home)
0.5% or
10,000+10.30%(service tax)
25%of the original
loan amount free
for every financial
year
PNB Housing Finance 9.50% (upto 20
yrs),Then market rate
0.5% 2%
16. Development Credit
Bank
8.75% (Salaried),
9.25% (Self Employed)
0.5% Nil
State Bank of
Travancore
8% (fixed for 1 yr),
9% (2nd & 3rd yr),
then Market Rate
Nil
2% of the
outstanding loan
amount
17. Conclusion
In the conclusion I would like to say that It was a very informative
project. If you are wanting buying a home or refinancing your mortgage
loan, you should be further attentive not to make large purchases
on credit cards before your application until closing the mortgage
refinancing or new home loan. Credit score companies might be slow in
entering new activities into your history. So you may just scrape pass the
credit score search first time round. Nevertheless, as the new spending
begins appearing in your credit report, your rating may go down to a
level that is not agreeable any longer.
This project would rather help you a lot if you are planning to buy
a home loan. It has all the details needed to know when you are going
for a home loan. It is very important for us to decide whether we are
taking the loan on fixed or floating intrest. Information regarding the
various types of intrest is given in this project. ‘HOME SWEET HOME’ it is
very important to have a home to live in. thus I conclude be wise before
taking an home loan. This project would make you wiser after you hve
read it. And the intrest rates given in the project are of 2010 and are
subject to change.