IA mortgage is a loan in which property or real estate is used as collateral. The borrower enters into an agreement with the lender (usually a bank) wherein the borrower receives cash upfront then makes payments over a set time span until he pays back the lender in full.
The post-office term deposit (POTD) is similar to a bank fixed deposit, where you save money for a definite time period, earning a guaranteed return through the tenure of the deposit. At the end of the deposit's tenure, the maturity amount comprises the capital deposited and the interest it earns.
Multiply the amount you borrow by the annual interest rate. Then divide by the number of payments per year.
gold is a very simple concept. By pledging your gold ornaments, coins, biscuits, bars etc. the lender provides you with liquidity at a predetermined rate of interest.
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