Loan to Deposit Ratio (LDR)

Loan to Deposit Ratio (LDR) : Are you sure that the money you havve saving in bank safety at all? how about the Loan to Deposit Ratio in that bank? the average of Loan to Deposit Ratio now is on 60 % from all of clients' funds that was channeled into real sectors like into public, Certain Institutions, Employers etc.

Additional it all with a guaranteed form of fixed or movable goods the illiquid (not easily liquidated) and the risk of breakdown (NPL) is high?

And last, the residual of clients funds (40 %) invested into many sectors like :
1. Bank Sertificate
2. Foreign Exchange (money market) or the stock market (stock market) with a high degree of speculation.
3. Save the money in foreign bank in overseas

Fixed and Floating Interest

Fixed and Floating Interest : Hello, thanks for your visiting into this my blog. i hope i can give more functions from here. before this article we have write about an effective interest rate and a flat. today we want to talk little as an introduction with effective interest rate and a flat.

the diffeent between fixed interest with Floating interest is in payment period of loans untill full paymet. If you get a fixed interet in three (3) years its mean that you need to pay the cost in every month at least in three years future. how long you must pay the loans its accordings into the agreement of credit that written on the paper.

Floating have means bank interest can not be determined in how many time its must be pay untill full payment. because this float interest keep abreast of market.

There are many habit of mentioning in the instrument of credit loans, aan example : effective fixed, an effective floating, flat floating, flat fixed and others.

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Watch Effective Interest Rate and Flat

Watch effective interest rate and a flat : Watch effective interest rate and a flat : Something that must be watch and must be note before apply a credit loans is an instrument in installment repayment system in banking. this instrument called as an effective and flat. as the easy word to say about the meaning of that instrument ;

Effective calculation of the instrument means "the remaining credit limit has been paid out multiplied by the interest", and the Flat means "interest multiplied by the initial credit limit".

The remaining credit limit means in the first month after we were given credit loan each month then we will immediately pay the loan installment credit. means that next month the rest of our credit will be reduced because we have been paying the loan installments. and an effective intended to calculate the remaining credit that has been paid is based on the value or the rest of the final amount is multiplied by the interest payments that have been determined from the initial.

While Flat means mortgage payments will always be calculated based on the initial count of loans approved by banks, credit ceiling approved will be multiplied by the interest that has been determined from the start lending.

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Bank Credit Card - An Easy Way to Get it

Bank Credit Card - An Easy Way to Get it : I think many peoples said that to get a credit card from bank they need an extra or hard job and very difficult. they think about this difficulty because they dont know about the procedure to get credit card from bank correctly. in the past time, internet marketers difficult to find a credit card, so that Virtual credit Card or VCC coming to give the solutions. but now, Paypal as an online payment was can use debit card from peoples savings in banks.

But still know, peoples still love and want to have and also use credit card. because that look like very easy and elegant.

How to Get A Credit Card

Actually ts very easy to get credit card from bank. you just need to complete what bank want and ask from you. better for you to prepare all of documents and files that bank ask before you apply for your credit card. and do not apply if there are still shortcomings and unfulfilled requirements such as I demonstrated below :

The first step is you must have an income not least at 400 US Dollars per month.
The second, you must have a permanent job.
the third you have a fixed home phone line like a telephone cable from the telecom and there is always someone who can lift the phone when in truth verification by the bank.
The forth, you must have a brothers or sisters in others place not in one home with you, in order bank can make them as a guarantor loans.

Self-employed and anyone picking up the phone at the time verified by the bank, and lastly make sure that the data you give on the application form credit card application is the same as its original state, and will be exactly the same and match the description will be given at the bank to verify by telephone to several telecom cables telephone above

If all conditions and requirements as well as the testimony given at the bank confirm to some telecom cables telephone is the same as what you write on the application form credit card, then 99% of your application will be approved even though the initial limit of very small, about 3 million as an initial limit and you can ask for limit increase every 3 months, provided with a note that your use of the maximum below 65% of the credit limit granted by the credit card issuer and make payments at least 30% of your total credit card usage

So, are you ready to apply for a credit card:)