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hey guys… i have got an offer from foll firms but cant make my mind which shall i choose.. i can choose 4
1. gold man sachs
2. ici ltd
3. jaypee capital services
4. BSR
5. Bharat petroleum and corporation ltd
6. DCM Sriram
7. Indian Oil corporation
8. progean Ltd (infosys peer)
9. wipro bpo
10. GE Commercial finance
11. Gecis
Considering my interest in taxation and finace, i would like you to suggest me on the thing reg wot shall i do…
BPCL, IOC, BSR are providing job in accounts and audit but i dont wanna go there… So please suggest taking into account the scope and opportunity to learn.. work quality matters
Recent commercial lender changes are likely to impact most small business owners. If a commercial borrower wants to continue their present banking relationship, they will find (in most cases) that the business lending changes are permanent and cannot be avoided. A few new and more flexible commercial lending sources represent a welcome exception to this trend.
One of the biggest commercial lending changes involves new guidelines for working capital financing. Most banks appear to be quietly eliminating business lines of credit or severely reducing the amount they are willing to finance to a level which is not helpful to an average business. Very few businesses can survive without a reliable source of working capital, so this change promises to receive the highest priority from most small businesses. To replace the disappearing commercial lines of credit, the most practical options for business borrowers include working capital loans and merchant financing from one of the alternative commercial finance sources still active in small business financing programs.
The difficulty of locating investment property financing illustrates another business lender change. If the commercial property is considered to be owner-occupied (the owner occupies a substantial portion of the building), more banks will be interested in making commercial real estate loans. Investors that do not occupy the property often own business properties like shopping centers and apartments. For many banks, it appears that they are currently restricting their commercial lending activities to those which qualify for SBA loans (Small Business Administration) which generally exclude investor-owned situations.
A third significant business lending change is demonstrated by revised guidelines for refinancing commercial real estate loans. In almost all cases, commercial lenders have dramatically reduced the loan-to-value percentages that they will lend. In some areas and for specific types of businesses, many banks will no longer lend over half of the appraised value. While this causes difficulties when attempting to buy a business, the problems for a commercial borrower reach a crisis magnitude when refinancing an existing commercial loan. In many cases the original business loan was based on a much higher percentage of business value than the bank is currently willing to provide. The lending problem is further compounded when a current appraisal reveals a decrease in value since the original loan was made. Due to a distressed economy which frequently results in decreased business income that then leads to lower commercial property values, such an outcome is especially common.
In a fourth example of commercial lending changes, for virtually all small business finance programs many small business owners have already discovered an inflated fee structure from most banks. Perhaps the bank perspective for some of the commercial financing fee increases is that they need to find a revenue source to replace the diminishing income from small business loans which has resulted from bank decisions to decrease commercial loan activity. When they encounter suddenly increased business financing fees levied by their current bank, business borrowers should seek different commercial funding sources except in unavoidable and unusual circumstances.
A final example of commercial lender changes is depicted by banks changing their overall guidelines for small business financing. Many banks have effectively stopped making any new commercial loans to small businesses regardless of business income or creditworthiness. Unfortunately these banks are not announcing publicly that they have discontinued small business finance activities. This means that while they might accept business loan applications, they do not intend to actually finalize commercial financing in most cases. Whenever it becomes obvious that the bank has no real intentions of making a requested working capital loan or commercial mortgage, this approach has clearly frustrated and enraged business borrowers.
The five commercial lending changes described above are unfortunately the proverbial tip of the iceberg. As they approach business lenders to obtain commercial real estate financing, working capital loans and small business financing, business owners will need to be especially skeptical and diligent.
Stephen Bush has provided candid advice to business owners for more than 25 years and is a small business loans expert. AEX Working Capital Financing and Small Business Financing
You may answer any part of this question, thank you
I would like economic statistics of the indices given below in a tabular form so that I can make charts on them. What I want is links to daily weekly monthly or quarterly data ( absolute numbers, or percentages or increase decrease over earlier periods ) from 2003 ( or even a lesser period ) Even if there is no historical data available I would like some links from where I can get these numbers starting now.
India mainly & USA / International where applicable
INDICES to study the SALES / PRODUCTION / ORDERS / PRICE of
drugs, formulations, bulk, other
chemicals, detergents, dyes, pesticides, soda ash
fertilizers, leather, Lpg,
petroleum products – LAB prices, hdpe ldpe lldpe, Packing, Plastics,
Crude, Brent , Natural Gas, Aviation Turbine Fuel,
Oil Drilling, Refineries,
Auto – 2wheelers, commercial, passenger, tractors
auto ancillaries – & bearings, castings, fasteners, tyres
Food Products, tea, sugar, breweries, cigarettes, oils, FMCG
solvent extracts, starch,
consumer staples, durables, non durables, utilities
domestic and electrical appliances
shipping – like Baltic Freight Index
Hotels, Real Estate, construction, civil, government orders
Paper and Pulp, Newsprint Price , Rubber
Cables, wires, telecommunications
Electrical equipment, components,
Capital Goods, Heavy engineering, turnkey services,
Pumps, refractories, transmission Towers
Power, utilities, transmission and Distributers, Equipment Suppliers
etc
Metals – ( Londin Metal Exchange )
Copper, Aluminium , Zinc, tin,
Steel Sheets, Hot and Cold Rolled Coils, flats, rods, Pig Iron, Iron ore
gold, silver other precious metals
Cement – Despatches nos, price in NSEW, ceramics, asbestos
Entertaintment industry, broadcast, multiplexes, print, media, cable
Information and Technology, Hardare, Software, BPO,
Textiles of all types
The Mumbai real estate market witnessed a slowdown in the second quarter of 2007 with a decline in property prices. Real Estate Mumbai is likely to see a marginal correction in capital and rental values during the coming year but is likely to affect the price-sensitive pockets of the city more than high-end and posher colonies.
The real estate boom and a plethora of development activities in major parts of Mumbai have made it even more attractive for investment prospects in commercial and residential sector through excellent returns. The hike in demand as well as supply and appreciation in capital values have attracted considerable attention from overseas investors. The Mumbai Real Estate stands for the high growth in Indian property market. micro markets in Mumbai generally have experienced an increase in real estate value.
Mumbai western suburbs have already seen some major commercial occupancy especially in the BPO segment. Navi Mumbai is witnessing major developments with the proposed Special Economic Zone (SEZ) planned by Reliance and CIDCO. Thane is also making rapid strides in residential properties. Good connectivity and vast green belts and shopping malls add to its prospects even further.
International companies like Fishman Holdings are materializing their hi-tech, commercial and office project at an investment of $330 million in Thane, north of Mumbai.
Major property developers in Mumbai, underpinned by the vastness, scope, success and scale of progress in the city are now transforming developing properties into strong retail bases. Then of course, the government permitting foreign direct investment (FDI) up to 51% in retail trade has also brought about major moves in retail industry which is visible from the chain of retail companies. This particular trend has demanded more retail space in Mumbai fulfilling the need of the competition and market requirement.
New Mumbai is a scorching area for real estate investors as it has one of the world’s best master-planned cities, and the proposed international airport project in Navi Mumbai pushing up plot rates is a major boost to the area.
Sternon Group Dubai-based real estate developers is working closely with Garnet Construction to offer investors, holiday-seekers and Non Resident Indian families homes with large airy rooms, good lighting and amenities of international standards.
It also anticipates high appreciation in the short-term and high rental values in view of the rising mortgage rates in India.
The new developments relating to Maharashtra’s draft housing policy regarding
the mandatory requirement of buying home in Mumbai and selling of real estate on basis of carpet area, and the Maharashtra government taking on the role of a facilitator and an enabler real estate, and is making efforts to remove the constraints faced by real estate industry.
There is a rage for redevelopment in the posh Mumbai neighborhoods, such as Bandra and Juhu. owners of old housing blocks can swap their apartments for newer ones, which are also typically 30 percent bigger.The builder even pays rent to the temporarily displaced families for the time period when the new building to come up.
Bandra-Kurla Complex (BKC) and Lower Parle have seen appreciations in commercial spaces falling under the category of Grade A. The occupancy levels in other preferable locations like Andheri West and Nirman Point also increased in the current year and are believed to have marked the rise by 90-95%. Another mark appreciation is in regard to commercial properties in Mumbai, and is prevailing in the city’s micro markets barring a few exceptions.
NRI Real Estate trends
Spread across 400 acres, the project named ‘Magic Hills’ is a residential cum commercial township, of which the 250-acre residential portion offers row-houses and individual and twin bungalows, with world-class amenities as well as recreational, retail and educational facilities designed to meet the sophisticated tastes of NRIs worldwide.
He spoke of the proposal for reserving some portion of housing layouts and townships for low income group (LIG) housing or homes for economically weaker sections (EWS). He said the government could not be a mute onlooker, given the rising price levels of residential real estate. He termed ‘affordable housing’ as a goal which the government was striving towards. Touching on Public-Private Partnerships, affordable housing, self approval and working towards a single window clearance, adopting new technologies, private sector sharing responsibility for infrastructure development, incentives for rental Apartments in Mumbai, credit rating and bringing about more transparency, Kshatriya said these are the issues that the government of Maharashtra is seized of. ‘Public-Private Partnerships’, he said, were a means of facilitating ‘the tremendous opportunity knocking at our doors’. . Sternon Group, , builders and promoters, has entered Mumbai’s booming real estate market with a Rs. 1,200 crore mega-project on the Mumbai-Pune Express Highway near the proposed New Mumbai International Airport in Panvel.
With an array of vacation homes to choose from, an India or Indian Ocean vacation rental is perfect for family vacations or adventures. Vacation rentals in cities such as Bangalore and Bombay (Mumbai) make a great home base for enjoying cultural attractions or conducting business.
Suraj Kumar Singh is an associate editor to website http://www.indianground.com providing consultancy for Real Estate India with hands on experience in the sector. He has gained proficiency in issues like real estate India, finance, insurances, and investments in India. Feedback and queries are welcome at kumarsingh.suraj@gmail.com
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clscause.com Matchmaking isn’t just for romance! Too all the thriving businesses out there… check out Commercial Lending Solutions! clscause.com Share this with anyone you know who may have gotten rejected by the bank, needs a loan for a business venture or is looking for capital in commercial real estate. Every entrepreneur, business owner and real estate investor has a cause. Funding is a common need. At Commercial Lending Solutions, we first understand your cause, then we invest in it. Through a proprietary service called PROPEL, we build the business case for the exact right lender to extend favorable terms and timelines. Its the difference between yes and no, success and failure. This is Advancing YOUR Cause. A Blank Stage Production Starring Karli G. Brooks, Candace Mabry, John Schmedes, Dupree Lewis, Jess Chancey Directed by: Brent Brooks Shot by: Troy Moore Editing By: Jonas Ferriera Music by: Aaron Akins
Real Estate Weekly: Office leasing activity sluggish in Baltimore metro area
Cassidy Turley, a national commercial real estate services provider, said leasing activity in the Baltimore Metropolitan Area office market remained sluggish during the first half of 2010. In its 2010 Midyear Office Market Statistical Overview, the company said the market added only 413,000 square feet of new space during the first six months of the year, […]
Read more on The Daily Record
Commercial Real Estate
Commercial Real Estate
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Commercial Real Estate Women Network to examine industry trends and benchmark study
Lawrence, KS – June 29, 2010 — The some of the nation’s women in commercial real estate will converge in San Francisco at the CREW Network Convention & Marketplace October 20-23 to, hear from commercial real estate thought leaders about the most important trends currently taking shape in commercial real estate, discuss findings from CREW Network’s 2010 industry benchmark study, and recognize …
Read more on MyCentralJersey.com
REAL ESTATE
Residential real estate In this section you can find different offers on residential real estate from the leading real estate agencies: Apartments for all tastes: standard to luxurious, short or long terms.
Read more on St. Petersburg Times
At first i was thinking of becoming a residential real estate agent but then, someone told me about commercial real estate and i was wondering would that be a better career choice and does it work the same as residential. If so, that would be major commision on a $40 million building and that would be a better route i would love to take.
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19yrs old, webmaster
Parttime student in Computer Science and Networking
$365 billion of on drawn lines of credit in the form of revolving credits get pulled from the consumers. (Taking Stock)