Reserve Bank of India (RBI) has issued guidelines on ‘Fair Practice Code for Lenders’ which are required to be framed by Banks/Financial Institutions/Non Banking Financial Companies (NBFCs) duly adopted by their respective Boards. These guidelines which are revised periodically, inter-alia, stipulate that loan application forms in respect of all categories of loans irrespective of the amount of loan sought by the borrower should be comprehensive. It should include information about the fees/charges, if any, payable for processing, the amount of such fees refundable in the case of non acceptance of application, pre-payment options and any other matter which affects the interest of borrower, so that a meaningful comparison with that of other banks can be made and informed decision can be taken by the borrower. Further the banks are advised to inform ‘all-in-cost’ to the customer to enable him to compare the rates charged with other sources of finance.

In terms of RBI guidelines dated July 1, 2009 on ‘Loan and Advances’ – Statutory and other Restrictions’, the lender should convey to the borrower, among other things, the terms and conditions and other caveats governing credit facilities, in written and duly certified by the authorised official. A copy of the loan agreement along with a copy each of all enclosures quoted in the loan agreement should be invariably furnished to all the borrowers at the time of sanction/disbursement of loans.’

Further, Banks/Financial Institutions/NBFCs adopt an interest rate model taking into account relevant factors such as, cost of funds, margin and risk premium etc. and determine the rate of interest to be charged for loans and advances.

This information was given by Minister of State for Finance, Shri Namo Narain Meena in written reply to a question raised in Rajya Sabha today.

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VoIP paper
Provider – oDesk
Catagory: Technical Writing

Description: 5 page VoIP related paper.

Budget: $30.00
Starting On: November 24, 2009
Ending On:
Posted On: November 24, 2009
ID: 100621919
Category: Writing & Translation > Technical Writing
Skills: English, Grammar, VoIP
Country: Canada
Hours Billed: 0

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ARTICLE RE-WRITER
Provider – oDesk
Catagory: Blog & Article Writing

I am looking for someone to simply RE-WRITE 5 existing articles.

Budget: $10.00
Starting On: November 25, 2009
Ending On:
Posted On: November 25, 2009
ID: 100622105
Category: Writing & Translation > Blog & Article Writing
Skills: Being able to write in English a must.
Country: United States
Hours Billed: 0

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Superstar Web Design Article Writer
Provider – oDesk
Catagory: Blog & Article Writing

I would like to have 13 articles written on web design and web design for small businesses using each of my 13 keywords. Each keyword will be used for each of the 13 articles. I am looking for a superstar article writer that know what they are talking about when it comes to web design, and who know what I am talking about when it comes to keyword saturation so that they keyword is used around 3 or 4 times for every 100 words. Each article is to be 500 words long.

Budget: $50.00
Starting On: November 24, 2009
Ending On:
Posted On: November 24, 2009
ID: 100621941
Category: Writing & Translation > Blog & Article Writing
Skills: Need good knowledge, of small business, and web design
Country: Australia
Hours Billed: 54

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Convert Data into a list
Provider – oDesk
Catagory: DataEntry Jobs

I need someone to convert data from a website and to input it in to Excel in specific way, examples will be given and you will be required to input aproximatley 1,200 products in to a spreadsheet. This will be a good job for someone with a high WPM. I should think this shouldnt take longer than 5-6 hours to do.

Work Load: As needed – Less than 10 hrs/week
Estimated Duration: Less than 1 week
Starting On: November 25, 2009
Posted On: November 25, 2009
ID: 100622129
Category: Administrative Support > Data Entry
Skills: Data Entry
Country: United Kingdom
Hours Billed: 0

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Putting Names, Emails, and phone numbers into a Spread Sheet

Provider – oDesk
Catagory: DataEntry Jobs

http://www.utexas.edu/world/univ/state/ This webpage categorizes & U.S. universities by state and gives you a list of all the universities in that state. I am interested in universities in these states: Florida, Georgia, South Carolina, North Carolina, Tennessee, Alabama, Missippissi. You can click on each university link and go to the university website. Most universities will list departments & from there can go to the purchasing department you can compile purchasing agents. I need the pu…

Work Load: As needed – Less than 10 hrs/week
Estimated Duration: Less than 1 month
Starting On: November 24, 2009
Posted On: November 24, 2009
ID: 100621853
Category: Administrative Support > Data Entry
Country: United States
Hours Billed: 70

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Web Page Designer
Provider – oDesk
Catagory: Web Design

This is an easy job if you know what you are doing. Need expert to create webpage in wordpress format. Content and design is available.

Work Load: Full-time – 30+ hrs/week
Estimated Duration: Less than 1 week
Starting On: November 25, 2009
Posted On: November 25, 2009
ID: 100622130
Category: Web Development > Web Design
Skills: WordPress, HTML
Country: United States
Hours Billed: 0

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Sales lead & management. Web development assistance
Provider – oDesk
Catagory: Web Design

Looking for an individual to help me develop my online website, i have a web designer just looking for someone to help put together site content and then manage sales. Please email me at neworldceo@gmail.com or add me on skype ion_mobile for more info Looking for someone to assist me ASAP

Work Load: Full-time – 30+ hrs/week
Estimated Duration: Ongoing / More than 6 months
Starting On: November 25, 2009
Posted On: November 25, 2009
ID: 100622114
Category: Web Development > Web Design
Skills: Sales & web proficiency
Country: Canada
Hours Billed: 27

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