FINANCE & STOCK ADVICE: HOME EQUITY

Equity refers to actual owner’s value as on date i.e it is the difference between the present fair value of the Home and amount payable on home loan plus any other outstanding liability related to that property.

HOME EQUITY LOAN

Home equity loan refers to the Loan sanctioned on home equity value i.e it is the loan on the owner’s current date value. After payment of E.M.I’s of the home loan the equity value of the purchaser starts accumulating or increasing after each payment. In case any additional liability is increased by any additional loan taken for repair , development etc will reduce the equity of the buyer.All Financial institutions including popular banks offer the facility of home equity loans. Generally it is found that in case of regular and timely payment of installment of home loan build a sound relationship with the financer and thereby considering the borrower having a sound financial base and capacity to repay they themselves offer the borrower for home equity loan and sanction a secondary loan on the paid up value or the equity value.Home equity loan rates are reasonable and affordable. The agent of home loan or the institution provide there home equity loan rate.Bad credit home equity loan thereby refers to those who had a bad goodwill by being defaulter in repayment of an existing loan or a old loan wants a home equity loan. More over home equity loans are also called simply equity loans.

HOME EQUITY LINE OF CREDIT

Keeping your home as a collateral a particular limit of credit is sanctioned to you which could be withdrawn as and when required from time to time. The credit pattern symbolizes the credit card system. Though house is mortgaged so user generally do not use there sanctioned limit to meet day to day expense but is used for any special purpose of higher education , medical bill payment , home improvement etc. Home equity rates of interest are very reasonable and interest is payable only on the credit limit used and for the period used.Equity loan of credit could be taken by mortgaging home called as home equity line of credit or by mortgaging any other security .

ELOAN

In the modern world where the entire world is reachable within a blink of an eye lash so applying loan is no more unwanted heavy paper work , bunches of documentary proof and agents problems. You may simply log on to the websites of different financial institutions to check out there rates and amenities to select the best option for you and could apply online and this facility of applying a loan online is called eloan.

MULTI BAGGER STOCK GROUP

Some of my group's multi bagger picks during the rally were NMDC , MMTC , STC , Larsen ,Jindal Steel & Power , Unitech , BF Utilities , Jai Corporation , Walchand Nagar Industries, RNRL , Reliance Infra (Reliance Energy) etc.

I had been long associated with a corporate engaged in financial services , where with the assistance of specialized tools along with my special analysis as per some historical accepted theories of stock market like W. D. GANN's Theory , Elliot Wave Theory and others are used with reliable insider information of so called " operators" who play a major role to make a stock ,a Multi Bagger ,I do make my gem picks in this market.

I had been running my group , where the associated people get the reliable and most beneficial to get the unexpected return as seen in the above mentioned tips. Say for example the stock called MMTC had jumped from 2000 level to 56000 per share of historical price where the capital appreciated by 28 times in very short period with 2700% return on capital employed. Likewise in RNRL we started accumulating at RS 25 level from where we saw it moving at 250 level giving 10 times with 900% return.

These sort of return is helpful as ,

1. Handsome gain will make a jack to our capital.

2. Limited stocks trade , as daily trade could be avoided , which is more risky.

3. Long term capital gain , so no tax liability.

4. Whole income in white, which could be further deposited into fixed deposit to get assured monthly income later.

5. Strong income tax file without paying any taxes.

Our role here could be summarized as :

1. Giving tips to all registered member at proper time , when the stock is just about to take off, neither too early not too late.

2. Make sure investor do not gt stuck into it.

3. Recommend to exit when the operator is about to leave it.which is the most important work or else the whole accumulated and deemed profit will be washed away along with part of investment and will remain stuck for long - long period.


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HOME EQUITY