You can include your spouse as a co-applicant for the Loan. His / her income can be added to enhance the loan amount. However all co-owners of the property should necessarily be the co-applicant.
The security for the loan will be the first mortgage of the property to be financed, generally by way of deposit of title deeds and/or such other collateral security.
The title to the property should be clear, marketable and free from encumbrance which means that there should not be any existing mortgage, loan or litigation which is likely to affect the title to the property adversely.
You can choose to borrow money to fund your business when:
Although it varies from bank to bank, the basic criteria are more or less the same, such as:
Floating rate of Interest
Fixed rate of interest
Fixed + variable (initially fixed, later moved to variable)
Loan Against Securities can be used for any personal and/or business purposes, which have to be declared at the time of borrowing
Credit card can be used for shopping, dining, travel, buying tickets, paying bills etc.
Timely repayment of dues helps in building good credit score.
Credit card helps you in tracking your expenses and managing your finances
Credit card allows you to borrow money from the bank when in urgent need.
The payment on your card can be made in several ways.
Yes, you can avail advances from your traditional sources of funding along with factoring services.
However, the advances are given on the debtors against whom you have not availed funding from any other financial institution. Please note that any given invoice cannot be double financed.
Under the Income-tax Law, different forms of returns are prescribed for different classes of taxpayers. The forms of return prescribed under the Income-tax Law for filing of return of income for the assessment year 2015-16 (i.e., financial year 2014-15) are as follows (*):
This Return Form can be filed with the Income-tax Department in any of the following ways, -
The due date of filing the return of income for the financial year 2014-15 extended to 31stAugust 2015.