Is builder cheating ?
Recently , I came across a good property in Pune.
I have some queries regarding purchasing the same flat. This project is still under construction & expected puzzation date is : Nov-2011 ( next yr or may be more than that.)
I was told by builder that you can book a flat by giving 1Lac Rs & then you have to process the loan within 10 days of booking. He also added that, I have to pay 20% amount to them & rest 80% you have to manage it through loan.
Also, He added that This 1Lac of amount is not REFUNDABLE.
I am very confused & Say if the loan some how not granted my 1 Lac will get lost.
Is this a real process ? is Builder is cheating ?
Pleaes guide
Plz name which builder are you talking about. I can send you a format of Consumer Complaint.
Rs. 50 is all what you pay to the court and then it will be a big headache for him.
Great depression 1920-1932?
How did most investor react to sudden fall in stock prices in 1929?
A) they called in their loans
B) they pooled money to buy stock
C) they raced to sell their stocks
D) they pledged their stocks as collateral
A fundamental disagreement between the candidates in the 1932 presidential election concerned whether or not
A) the depression existed
B) the fedral government should try to fix people’s problems
C) Americans should offer aid to European economies
D) any relief efforts were necessary to ease the economic affecting
Not long after black Tuesday, the stock market crash was affecting
A) Only those who had invested heavily in stocks
B) wealthy industrialists almost exclusively
C) millions of Americans, many of whom had never owned stocks
D) mainly stocksbrokers and banks
The crash led to
A) increased factory production
B) a brief period of rising profits
C) higher farm prices
D) unemployment for millions of workers
After the crash, thousands of americans banks closed, because they
A) had to print new money
B) could not return deposits’ money
C) had in european banks
D) charged too high an interest rate
One of the underlying cause of the great depression was the united state’s
A) lack of farmers
B) lack of speculators
C) unstable government
D) unstable economy
those hit hardest by the depression were
A) wealthy industrialists
B) high-paid office workers
C) low-paid laborers
D) southern landowners.
The rise in homelessness mainly resulted from
A) increased immigration
B) high interest rates
C) a decline in housing construction
D) laid-off workers losing their homes
People’s physical and mental health declined as a result of
A) poor diet and anxiety
B) a soaring divorce rate
C) increased wages
D) farm security administration programs
During the depression working women were
A) embarrassed to be working
B) respected for being family providers
C) paid extra if they got married
D) accused of taking jobs away from men
How did most investor react to sudden fall in stock prices in 1929?
C) they raced to sell their stocks
A fundamental disagreement between the candidates in the 1932 presidential election concerned whether or not
idk i’m canadian sorry!
but probably:
B) the fedral government should try to fix people’s problems
Not long after black Tuesday, the stock market crash was affecting
C) millions of Americans, many of whom had never owned stocks
The crash led to
D) unemployment for millions of workers
After the crash, thousands of americans banks closed, because they
B) could not return deposits’ money
One of the underlying cause of the great depression was the united state’s
D) unstable economy
those hit hardest by the depression were
A) wealthy industrialists
The rise in homelessness mainly resulted from
D) laid-off workers losing their homes
People’s physical and mental health declined as a result of
A) poor diet and anxiety
During the depression working women were
D) accused of taking jobs away from men
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Duration : 0:0:44
How to get the land on my name & Justice?. – Justice for truth?
My brother and myself brought a site. It was my effort by which I was able to find site
then later I spent 50% of the land price. But my brother took money from my father to pay other 50%
of balance. But he was lucky enough to get his name during the registration.
I was so ignorant about all these thinking everything will go well..
Later with my own effort I was able to get loan for the house construction .. and but
I did again a mistake to take loan as a partner with my brother.. He made me as the key person for the
loan and I had to spend a lot of money for this process of getting the loan approved.
Later house I constructed.. during the initial phase I was not in place.. 99% of the money was
spend without my notice..
When I came back.. no work was progressing .. later I started spending all my savings.. and still
it is going on .. From then onwards my brother is quite.. no response or interested in looking
at the construction..
Right now the issue
You better call a lawyer.
I am in need of a personal loan for $40,000. I have bad credit but a good paying job.?
I was involved in an auto accident in 2005 in which I lost my Business of 8 years as well as my home, due to a broken neck and back. In addition I had to file BK last year,but have since started back to work full time as a Construction superintendent in which I make a good income.However my parents bailed me out of some situations and I owe them the money and would like to pay them in full.I have a checking and savings account and would rather pay a lender then owe them money I belive I could repay the loan in a short term due to the fact my out going bills cost a third of my monthly salary and my willingness to resolve this matter is of high priority.Please help if you can Thank you.
See if your parents will let you make monthly payments to them. Why pay money to a third party in terms of a high interest rate? Pay them & add a mutually agreed interest rate. I hope your luck has turned a corner.
investment question?
The professor asked us whether we should recommend our clients to buy stocks in the following? how do you calculate if this mining company is worth buying stocks in? how do I calculate it in excel to show how I came up with my decision to my professor? I provide company information below? what numbers is important to look at how do i see if the company is worth investing based on these numbers. can explain how you calculate? what should i do! I have no idea! would you buy stocks in this company based on these numbers?
Canyon Resources Simulation
Construction Starts in Year2008
Years in Cash Flow12
Capital Costs$250,000,000
Total Output (Oz)4,900,000
Cash Operating Costs (Oz)$200
Gold Price$380
Debt Rate (%)50.00%
Interest Rate7.50%
Term (Yrs.)8
Loan PMT$21,340,878
Inflation Rate2.50%
State/Local Taxes (Oz)$17.00
Royalty Rate (%)5.00%
Federal Tax Rate (%)34.00%
Depletion Allowance50.00%
After Tax Cost of Capital17.50%
Pre-Tax Cost of Capital26.52%
Net Present Value$14,481,692
Internal Rate of Return20.41%
Pre-Tax Return30.93%
Appraised Value$389,481,692
Revenue
2009$155,166,667
2010$155,166,667
2011$155,166,667
2012$155,166,667
2013$155,166,667
2014$155,166,667
2015$155,166,667
2016$155,166,667
2017$155,166,667
2018$155,166,667
2019$155,166,667
2020$155,166,667
Expenses S&L Taxes
$81,666,667 $6,941,667
$83,708,333 $6,941,667
$85,801,042 $6,941,667
$87,946,068 $6,941,667
$90,144,719 $6,941,667
$92,398,337 $6,941,667
$94,708,296 $6,941,667
$97,076,003 $6,941,667
$99,502,903 $6,941,667
$101,990,476 $6,941,667
$104,540,238 $6,941,667
$107,153,744 $6,941,667
Balance
Prin. $125,000,000
$11,965,878 $113,034,122
$12,863,319 $100,170,803
$13,828,068 $86,342,736
$14,865,173 $71,477,563
$15,980,061 $55,497,502
$17,178,565 $38,318,937
$18,466,958 $19,851,979
$19,851,979 ($0)
DepreciationTaxable Income
$20,833,333 $28,591,667
$20,833,333 $27,447,441
$20,833,333 $26,319,481
$20,833,333 $25,211,560
$20,833,333 $24,127,797
$20,833,333 $23,072,683
$20,833,333 $22,051,117
$20,833,333 $21,068,432
$20,833,333 $20,130,430
$20,833,333 $17,642,857
$20,833,333 $15,093,096
$20,833,333 $12,479,590
Cash Flow
Fed. Taxes($125,000,000)
$4,860,583 $32,598,539
$4,666,065 $30,751,390
$4,474,312 $28,850,435
$4,285,965 $26,893,756
$4,101,725 $24,879,344
$3,922,356 $22,805,095
$3,748,690 $20,668,803
$3,581,633 $18,468,152
$3,422,173 $37,541,590
$2,999,286 $35,476,905
$2,565,826 $33,360,603
$2,121,530 $31,191,393
Looks like it would be great for a long term investment. Day traders & flippers might do ok but the long termers would do well.
Construction loan money
http://www.lendinguniverse.com/ construction loan money The same technique was then applied at a distance. An Italian merchant, shipping goods to England, would sell his claim for payment against the English buyer to another Italian merchant who had arranged to buy in England. The Italian buying in England was then able to pay his supplier by sending him the IOU of another Englishman. The English buyer would then pay the English seller. Coin moved from one Englishman to another and from one Italian to another, but no coin had to be moved between the countries. The claims involved were represented by bills of exchange-orders by the seller to the buyer to pay the bearer the amount due. These were something like bank checks except that they were drawn by one private individual on another. After a time, bills of exchange drawn on well-known and reliable merchants were passed from hand to hand to make several different payments. This was very similar to the case in which a check on a bank is passed from hand to hand and acquires several endorsements before it is presented to the bank. A number of people began to act as intermediaries in the financing of loans, accepting coin from individuals with surpluses, and lending to others The people involved in this business have varied backgrounds. Some were merchants who got into the business of borrowing and relending as a sideline; some began buying and selling bills of exchange; some were lawyers who arranged the legal details of loan transactions; some were goldsmiths who became connected with finance by arranging gold shipments and weighing, assaying, and storing coin. As early as the thirteenth century, Italian banks had begun accepting coin and agreeing to repay it on demand. They lent out most of these deposits, relying on new deposits to offset the withdrawal of old ones. They kept on hand only a relatively small reserve of coins to guard against withdrawals temporarily exceeding new deposits. They paid interest on their deposit accounts and their customers fully understood that the bank had lent out most of the coin it received. For a long time legal problems prevented the use of checks, but Italian banks were prepared to transfer ownership of deposits from one person to another through bookkeeping entries. But both parties to the transaction had to appear in person.
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Duration : 0:0:38
PRIVATE MONEY LENDERS & HARD MONEY BUY REAL ESTATE
EASY LOAN TO BUY FORECLOSURES
Hard Money can be a quick way to fund everything from residential property, to industrial facilities to new home construction.
Duration : 0:1:36
how to get your earnest money back?
i recently was in the process of purchasing a new construction home but backed out of it because i couldn’t find a good loan, the house is almost done and they refuse to give me my earnest money back is there anything i can do it’s alot of money that i don’t want to lose.
If you have a loan officer friend, have them write you up a loan denial letter, that you can now not get aproved (depending on when your first approval was handed over to your current lender when you decided to buy. Obviously, if you just gave them an approval only a month ago, you’re outta luck).
With the mortgage and lending industry circling the drain and tightening up their laws and guidelines, it’s not a far fetched excuse. Lately, no one can get approved. Being unable to obtain financing is one of the only reasons a buyer can get his earnest back. After some back and forth and letters of explanation, It worked for me.
Buying a house that’s not finished – is there a contract that says I will pay X amount for when it’s done?
Here’s the situation. I am looking to buy a house that is being renovated by the current owner right now. I am offering him $360,000 for the house, plus $40,000 in cash in order to finish the house. The problem is that no lenders are willing to give a $360k mortgage for a house that is not completed. They suggest getting a construction loan, but that’s not needed. What is the best way to go about this? Is there a contract that says I will buy the house when it’s completed, and here’s $40K in advance to complete it?
No, you can not protect yourself if you give them 40k prior to buying.
The only loan available is a construction loan.
California Construction Loans
