RBI Keeps Interest Rates Unchanged, But Home Loan EMIs May Still Come Down


RBI's decision to keep policy rates unchanged surprised banks, economists and everyone who is looking forward to a rate cut for sentiment revival.

Shocking industry and media in equal proportions, RBI decided to keep interest rates unchanged. After demonetization pushed real estate into slumber, developers and realtors were pinning hopes on Governor Urijit Patel's maiden Monetary Policy review for a revival of sentiments. A 25 basis point cut was the least expected, a 50 bps cut would have been a bonus but instead, RBI decided to maintain the status quo.

 

Let’s try to understand why it happened and what could be in store in the coming months-

 

RBI has a worry that increasing prices of wheat, gram and sugar, and, concerns around global crude prices firming up may have an adverse effect on inflation in the coming months. This is one of the reasons that kept India’s central bank from bringing down the interest rates. Also, it wouldn't be too much to guess that the government and central bank are waiting for 31st December to pass to assess the situation and then take a call on other things including interest rates.

 

But this has not gone too well with some of the country’s biggest developers including Niranjan Hiranandani, CMD, Hiranandani Group

 

''There was a huge expectation not only in the real estate sector but across industries and sectors that there would be rate cut so this is a huge disappointment. RBI has cut 1.75% rate since 2015 but the banks have not passed on the benefit to the customers. Some rate cut would have helped the market, if not anything but psychologically.''  

 

On the other hand, some developers are still keeping the hope alive

 

Vineet Relia, Managing Director, SARE Homes

 

''Rates are bound to come down because of the huge cash flow that banks have been flushed with. We were expecting an instant relief which has not happened but banks have no choice but to cut down the interest rates. So, we are still hopeful that it will happen but now it will happen at the bank level.''  

 

Jaxay ShahNational President Elect– CREDAI 

 

''Though it is unfortunate that the Central bank left all policy rates unchanged today ,we are still hopeful and understand that maybe the policy makers are waiting till 31 December to see the final outcome of demonetisation post which an aggressive announcement on rate cuts will be made sooner than later.'' 

 

 

 

India’s biggest lender has also hinted that markets should not lose all hope

 

 Rajnish Kumar, MD, National Banking, SBI

 

''Incremental CRR requirement will be withdrawn from 10th December so banks will have enough funds and elbow room to bring down MCLR. We will analyse the cost equation and figure out how much we can bring down the MCLR to. We have enough liquidity right now but the situation will change when there is enough currency in circulation. But we will pass whatever benefit we can to the borrowers.''  

 

 

For the uninitiated, MCLR means marginal cost of funds or the cost banks incur to acquire funds. With deposits surging to unprecedented levels, the cost of funds for banks is bound to come down. According to RBI rules, all the loans taken after April 1, 2016 are to be linked to MCLR. Simply put, lower the MCLR, lower will your interest rate. Some banks have opted to re-set their MCLRs every six months while others have decided to revise it annually. Therefore, even though RBI hasn’t cut repo rates but since this cost has gone down, people who have taken loans after 1st April, 2016 will benefit in the form of lower EMIs. However, those who have their home loans linked to bank’s base rate cannot expect any relief in the immediate future. They can try converting their loans to MCLR-linked loans. 


Comments

Leave a Reply

Your email address will not be published. Required fields are marked *

61 thoughts on “RBI Keeps Interest Rates Unchanged, But Home Loan EMIs May Still Come Down

  1. Good Day;This is a special message to all intended loan seekers, private Persons, authorize companies serious minded people that Daniel Silver Loan  Firm USA is specified out giving out loan at an interest rate of 3%. I can offer you this loan which you have been seeking for from other lenders. I offer loan to people on bad credit, home improvement loan, personal and business loan, student looking for financial help and to companies with the 100% guarantee. Our loan ranges from $5,000 to $50,000,000.00. contact us today via company email:
    (danielloanlenders@gmail.com) or (daniel_loanlenders@hotmail.com).Borrower's Information:Full name:
    Country:
    Address:
    Age:
    Occupation:
    Marital status:
    Place of work:
    Sex:
    Telephone:
    Mobile Phone number:
    Monthly Income:
    Amount needed:
    Purpose of Loan:
    Loan duration:I await your details.
    Thanks***********************************
    Daniel Silver
    Email: danielloanlenders@gmail.com
    Phone Number: +15034834847
    ************************************

  2. Good Day;This is a special message to all intended loan seekers, private Persons, authorize companies serious minded people that Daniel Silver Loan  Firm USA is specified out giving out loan at an interest rate of 3%. I can offer you this loan which you have been seeking for from other lenders. I offer loan to people on bad credit, home improvement loan, personal and business loan, student looking for financial help and to companies with the 100% guarantee. Our loan ranges from $5,000 to $50,000,000.00. contact us today via company email:
    (danielloanlenders@gmail.com) or (daniel_loanlenders@hotmail.com).Borrower's Information:Full name:
    Country:
    Address:
    Age:
    Occupation:
    Marital status:
    Place of work:
    Sex:
    Telephone:
    Mobile Phone number:
    Monthly Income:
    Amount needed:
    Purpose of Loan:
    Loan duration:I await your details.
    Thanks***********************************
    Daniel Silver
    Email: danielloanlenders@gmail.com
    Phone Number: +15034834847
    ***************************************

  3. WELCOME TO KESSE LOAN FINANCIER, PLEASE READ OUR REVIEW  Are you having one or two difficulties from other financial instrument lender? i want you to take a chance with us you will never regret your partnership with our firm..We have a direct genuine provider for BG/SBLC,MTN,LC,CD,DLC BOND specifically for lease,Our lease rate is (2)% x%. X% IS Lessee broker's Commission and he determines, his commission, Issuance by HSBC Bulgaria / USA or any other rated Europe countries, Middle East or Asia. All inquires to Kesse loan financier should include the following minimum information so I can quickly address your needs:Complete contact information:Do you need loan to pay Xmas loan?Do you need a personal loan?
    Do you need a business loan?
    Do you want to buy a car or house?Do you need loan for school fees?Do you need investors loan?Do you need consolidation loan?What exactly do you need?How long do you need it for?Are you a principal borrower or a broker? We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct. For all inquires Contact:Mr kesse loan financierEmail: kesseloanfinancier@gmail.com

  4. GOOD DAY I'm David, i am from Delaware State, 7 DICKERSON ST HARRINGTON, DE 19952-1302 I AM ON THIS SITE TO SHARE BRIEFLY HOW I WAS HELPED AND WAS ABLE TO GET A LOAN THAT I HAVE BEEN BIDDING FOR, OVER A LONG TIME NOW.. I APPLIED FOR A LOAN IN " HALIFAX " AND I GOT MY LOAN FROM THEM. WITH A LOW COST OF INSURANCE, AND I GOT MY LOAN AT 4.50%. ARE YOU LOOKING FOR A LOAN FOR ANY PROJECT? CONTACT HALIFAX BANK PLC FOR A STRESS FREE AND FAST LOAN. THANK YOU, AND I WISH YOU GOOD LUCK IN ALL YOUR ENDEAVORS. DAVID WADDLER (FACEBOOK ID) CONTACT EMAIL: halifax_ivandepartment@yahoo.com

  5. Dear Sir/MaI am direct to a project Funder who is also known as private lender they specialized in bank instrument lease and sales their funds is purely earned from private and corporate investment portfolios without criminal origin.With the group capital fund which are specifically for lease/sale in form of bank instrument. The Financial institution can finance your signatory projects such as Real Estate Development, Aviation Service, Agriculture Finance, Petroleum Importation, Telecommunication, construction of Dams or Bridges and all kind of projects.The bank instrument can be use for purchase of goods from any manufacturer irrespective of their location. It can also serve as collateral with any bank in the world to secure loan for your project or to establish line of credit with your bank. We offer Bank Guarantee , all are issue from AAA Rated bank such as Deutsche Bank, HSBC Bank, UBS Zurich, Barclay's Bank , Standard Chartered Bank E.T.C. For more information, Endeavour to contact me as your convenient time.Regards 
    Charles Martial Lender
    Contact: lendmart.advisory@gmail.com
    Skype: lendmart.advisory       

  6. Hello.Greetings, i'm Hogg Geoffrey Graham from LA, I am very happy to receive a loan from the European part of the world, they gave me a loan to settle my hospital bills, They saved me from loosing my house. this message might be of help to you guys that also need a loan in other not to go the wrong side in your search you have to contact this company Michael Clinton Loans. Via E_mail: michaelclinton273@gmail.comRegards.

  7. DO YOU NEED A LOAN TO START A BEFITTING NEW YEAR!!!!!!Do you seek funds to pay off credits and debts? Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Adam Fred Loan Company is the answer. Email (Adamfredloanfirm@outlook.com)**Are you financially squeezed?
    **Do you seek funds to pay off credits and debts?
    **Do you seek finance to set up your own business?
    **Are you in need of private or business loans for various purposes?
    **Do you seek loans to carry out large projects?We offer the following types of loans*Debt Consolidation Loans *Business Loans *Personal Loans *Home Loans *Car Finance *Commercial Loans *Investments Loans *Debts Consolidation *Business Planning *Commercial Development Finance *Properties Mortgages *Bad credit loans *commercial loans *Start-up- working capital loans *Construction loans *Car loans, *Hotel loans*Student loansWe give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (Adamfredloanfirm@yahoo.com) or Text or call us  on  +15017229938 OR +18144768385
    Reply

  8.  Greetings, i'm Hogg Geoffrey Graham from LA, I am very happy to receive a loan from the European part of the world, they gave me a loan to settle my hospital bills, They saved me from loosing my house. this message might be of help to you guys that also need a loan in other not to go the wrong side in your search you have to contact this company Michael Clinton Loans. Via E_mail: michaelclinton273@gmail.com 

  9. HOW EDWARD LOAN COMPANY GRANTED ME A BUSINESS LOAN!!!
    Hello everyone, I am Oliver Johnson Moore from Zurich Switzerland and want to use this medium to express gratitude to EDWARD JONES  for fulfilling his promise by granting me a loan, i was stuck in a financial situation and needed to refinance and pay my bills as well as start up a Business. I tried seeking for loans from various loan firms both private and corporate organisations but never succeeded and most banks declined my credit request. But as God would have it, i was introduced by a friend named Lisa Rice to EDWARD JONES  LOAN COMPANY and undergone the due process of obtaining a loan from the company, to my greatest surprise within 28hrs just like my friend Lisa, i was also granted a loan of $387,000.00; So my advise to everyone who desires a loan, "if you must contact any firm with reference to securing a loan online with low interest rate of 2% and better repayment plans/schedule, please contact EDWARD JONES  LOAN COMPANY. Besides, he doesn't know that am doing this but due to the joy in me, i'm so happy and wish to let people know more about this great company whom truly give out loans, it is my prayer that GOD should bless them more as they put smiles on peoples faces. You can contact them via email on {Jonesloanfinance@yahoo.com} or Text +1(307) 241-3712

  10. My dear brothers and sisters, My name is Pastor Bryce Knorr.I am the general Overseer of the Church of Christ Foundation Ministry. I just came across this website while searching for an information on the internet and i found out that there are a lot of where to get a loan this new year 2016 to start up a business or expand their existing business. My Godly conscience will not allow me to keep quiet and not to direct people to a genuine place where i got loan from a foreign private loan company with just 2% interest rate without stress bypassing the rigorous processes of our local commercial banks. Sometimes late last year when we where looking for funds to expand our church. A fellow Pastor directed me to this foreign private loan company where he had also gotten his loan. I was told to contact one of them via (davidmike756@gmail.com We applied for an unsecured loan of $100,000USD to expand our ministry and within 48 hours working days, the whole process was completed. When we announced to our church family members after one week that the loan was approved and the note to the local bank had been paid, applause filled the worship center. NO COLLATERAL REQUIRED. NO CREDIT CHECK.The loan application process was explained clearly and [they] walked us through every aspect.So my brothers and sisters while surfing the internet, i decided to stop by and share this information because information they say is power. Who knows, your financial breakthrough this 2016 may just be this little piece of information when acted upon. if there is anyone here looking for a loan, contact them through their email and by the special power of the almighty, 2016 will be your financial breakthrough in thy mighty name of JESUS….GOD BLESS YOU ALL.

  11. Hello.Greetings, i'm Hogg Geoffrey Graham from LA, I am very happy to receive a loan from the European part of the world, they gave me a loan to settle my hospital bills, They saved me from loosing my house. this message might be of help to you guys that also need a loan in other not to go the wrong side in your search you have to contact this company Michael Clinton Loans. Via E_mail: michaelclinton273@gmail.com 

  12. WE OFFER ALL KIND OF LOANS – APPLY FOR AFFORDABLE LOANS.Dr. Ezra Sebastian Loan Company is a well  established    finance company who are committed to providing our customers and suppliers with simple and competitive forms of finance solutions for all business users. An independent finance house and brokerage specializing in vendor finance schemes.As a company we have a wealth of experience in the market, predominantly offering leasing solutions to businesses looking to finance all types of equipment. . Our dynamic approach in the market has led us to significantly develop our range of products and services in order to help commercial customers with all finance requirements Reduce your
    payments to ease the strain on your monthly expenses.we give out loan with an affordable interest rate of 2% Do
    you have a low credit score, and you will find it difficult to get loans
    from local banks and other financial institutions? solution to your
    financial problem is Dr. Ezra Sebastian The Terms and Conditions are very simple
    and considerateDO YOU NEED 100% FINANCE?
    EZRA SEBASTIAN LOAN HOME, (ezrasebastianloans@gmail.com) aims is to provide Excellent Professional Financial Services.Please, contact us for more information: (ezrasebastianloans@gmail.com)Our services include the following:* Personal Loans
    * Debt consolidation loans
    * Possibility
    * Business Loans
    * Education Loans
    * Mortgage
    *Refinancing Loans
    * Home Loans NOTE:Bear in mind that it will only take less than 48 Hours to process your file is 100% Guaranteed no matter your Credit Score.Yours Sincerely,
    Dr. Ezra SebastianWe look forward to hear from you ASAP

  13. TRUSTED LENDER (LEXIELOANCOMPANY@YAHOO.COM)
    My name is Michael Lee a citizen of Illinois, USA. i have been scammed by 7 different Internet international lender, they all promise to give me a loan after making me pay several fees which yield nothing and amounted to no positive result. i lost my hard earn money and it was a total of 23930USD. One day as i was browsing through the internet with tears on my eye i came across a testimony of man who was also scammed and eventually got linked to a legit loan company called MARTINEZ LEXIE LOAN COMPANY where he finally got his loan, so i decided to contact the same loan company and then told them my story on how i have been scammed by 7 different lenders who did nothing but to course me more pain. I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them. I filled the loan application form and proceeded with all that was requested of me and to my greatest suprise my loan was granted to me without further delay and here i am today happy because Martinez Lexie Loan Company HAS GIVEN ME A REASON TO LIVE, so i made a vow to my self that i will keep testifying on the internet on how i got my loan. You are to contact this GODSENT LENDER via Email: Lexieloancompany@yahoo.com  OR  Text  +18168926958 
     

  14. Hello Everyone.Have you been looking for financial options for your new home purchase,construction,real estate loan,refinance,debt consolidation,personal or business purpose? welcome to the future! financing made Easy with us. contact us as we offer our financial service at a low and affordable interest rate of 3% for long and short loan terms. Interested Applicant should contact us for further Loan acquisition procedures.elizerbethloganloanfirm@gmail.com

  15. DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN? LOAN IS HERE FOR YOUWe have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 72 hours of successful application. We offer loans from a minimum range of $5000 to a maximum of $20 million. Emaill Address:  anatiliatextileltd@gmail.com
    Have You Applied Before?………………..
    With Best Regards.
    Mrs. Magaret Becklas
    Emaill Address:  anatiliatextileltd@gmail.com
    Emaill Address:  anatiliatextileltd@gmail.com

  16. Do you seek urgent loan today loan to start up business Debt loan  Buy a car or a house If yes worry no more As it may interest you,we offer all kinds of loans @ 3% to any part of the world interested  person should contact me via email: kelvinibe3@gmail.com

  17. Hello.Greetings, i'm Hogg Geoffrey Graham from LA, I am very happy to receive a loan from the European part of the world, they gave me a loan to settle my hospital bills, They saved me from loosing my house. this message might be of help to you guys that also need a loan in other not to go the wrong side in your search you have to contact this company Michael Clinton Loans. Via E_mail: michaelclinton273@gmail.comRegards

  18.  
     Am Raymond Thompson, the issue of credit and collateral are something that clients are always worried about when seeking a loan from a legitimate lender, getting a legitimate loan have always been a huge problem To clients who have financial problem and need solution. But we have made that difference in the lending industry, We offer a loan from 1,000.00 to 10,000,000.00 as low as 2% interest, we fund small scale loan firm, intermediaries, small scale financial institutions, No social security and no credit check, 100% Guarantee.Our Services Include the Following:Debt Consolidation,Second Mortgage,Business Loans,Personal Loans, International Loans,Family loan. For more information about getting a loan contact us now via email:{thompsonloancompany@yahoo.com}

  19. DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN? LOAN IS HERE FOR YOU

    We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 72 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $20 million.

    We Offer:
    * Business Loan
    * Personal Loans or Signature Loans   
    * Arrangements to Borrow from $10,000.00 up to $20,000,000
    * Choose between 1 to 10 years repayment period.
    * Choose between monthly and annual repayment plan.
    * Flexible loan terms and conditions applied.
    * Interest rates as low as 1%.

    We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances.

    Contact us today via:
    fina.serds@gmail.com

    Get your instant loan approval

  20. Dear Customer, I am George Smith , I give out loans with 2% interest rate..
    Are you tired of seeking loans and Mortgages,have you been turned down constantly By your banks and other financial institutions,We offer any form
    of loan to individuals and corporate bodies at low interest rate.If you are interested in taking a loan,feel free to contact us today,we promise to offer you the best services ever.Just give us a try,because a trial will convince you.
    What are your Financial needs? 
    Do you need a business loan? 
    Do you need a personal loan? 
    Do you want to buy a car? 
    Do you want to refinance? 
    Do you need a mortgage loan? 
    Do you need a huge capital to start off your business proposal or expansion? 
    Have you lost hope and you think there is no way out, and your financial burdens still persists?Contact us via mrgeorgesmithloanfirm@gmail.com

  21. DO YOU NEED A LOAN TO START A BEFITTING NEW YEAR!!!!!!Do you seek funds to pay off credits and debts? Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Ezra Sebastian Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (ezrasebastianloans@gmail.com)
    DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2%
    EZRA SEBASTIAN LOAN HOME, (ezrasebastianloans@gmail.com) aims is to provide Excellent Professional Financial Services.Please, contact us for more information: (ezrasebastianloans@gmail.com)Our services include the following:* Personal Loans
    * Debt consolidation loans
    * Car Loans
    * Business Loans
    * Education Loans
    * Mortgage
    *Refinancing Loans
    * Home LoansWe give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (ezrasebastianloans@gmail.com)NOTE:Bear in mind that it will only take less than 48 Hours to process your file is 100% Guaranteed no matter your Credit Score.Yours Sincerely,
    Dr. Ezra SebastianWe look forward to hear from you ASAP

  22. Get the best celebration ever with our 2017 BLANK ATM Programmed Card and cash money directly in any ATM Machine around you., There is no risk of being caught, because the card has been programmed in such a way that it´s not traceable. We give out THE Blank ATM Card. Do you want to live a good life thought its illegal, its the easiest way to be a millionaire. it also has a technique that makes it impossible for the CCTV to detect you and you can only withdraw a total amount of $5,000.00 USD in a day. Now email us today at our E-mail address at: blankatmcardmachine@gmail.com Get your card today and live that luxury life you always dream to live…..

  23. Are you self Employed, do you have Low Income On NOA,we have the IDEAL Mortgage solution for your needs,We can get you Private & Construction Mortgage Even if you're in Discharged / Undischarged Bankruptcy or Consumer Proposal,first Time Home Buyers,new Immigrants,Mortgage Renewals & Refinancing,We work with over 50 lenders including Trust Companies, Credit Unions and Private Lenders.Contact us today for a free consultation on accessloansonline@gmail.com

  24. We are a Finance Industry Company professionals with over 15 Years Experience and a focus on providing Bank Guarantee and Standby Letter of Credit from some of the World Top 25 Prime Banks primarily from Barclays, Deutsche Bank, HSBC,Credit Suisse e.t.c. FEATURES:
    Amounts from $1 million to 5 Billion+
    Euro’s or US Dollars
    Great Attorney Trust Account Protection
    Delivered via MT760, MT799 and MT103 Swift with Full Bank Responsibility
    Brokers Always ProtectedPurchase Instrument of BG/SBLC : 32%+2% Min Face Value cut = EUR/USD 1M-5B
    Lease Instrument of BG/SBLC : 4%+2% Min Face Value cut = EUR/USD 1M-5BInterested Agents/Brokers, Investors and Individual proposing international project funding should contact us for directives.We will be glad to share our working procedures with you upon request.
    We Facilitate Bank instruments SBLC for Lease and Purchase. Whether you are a new startup, medium or large establishment that needs a financial solution to fund/get your project off the ground or business looking for extra capital to expand your operation,our company renders credible and trusted bank guarantee provider who are willing to fund and give financing solutions that suits your specific business needs.We help you secure and issue sblc and bank guarantee for your trade, projects and investment from top AA rated world Banks like HSBC, Barclays, Dutch Ing Bank, Llyods e.t.c because that’s the best and safest strategy for our clients.e.t.cDESCRIPTION OF INSTRUMENTS 1. Instrument: Funds backed Bank Guarantee(BG) ICC-600
    2. Currency : USD/EURO
    3. Age of Issue: Fresh Cut 
    4. Term: One year and One day
    5. Contract Amount: United State Dollars/Euros (Buyers Face Value)
    6. Price : Buy:32%+1, Lease: 4%+2
    7. Subsequent tranches: To be mutually agreed between both parties 
    8. Issuing Bank: Top RATED world banks like HSBC, Barclays, ING Dutch Bank, Llyods e.t.c
    9. Delivery Term: Pre advise MT199 or MT799 first. Followed By SWIFT MT760
    10. Payment Term: MT799 & Settlement via MT103
    11. Hard Copy: By Bank Bonded Courier 
    Interested Agents,Brokers, Investors and Individual proposing international project funding should contact us for directives.We will be glad to share our working procedures with you upon request.Name:Richardson McAnthony
    Contact Mail : intertekfinance@gmail.com

  25. i am Marian Williams from USA Illinois i was having a bad credit scores i am my family was stuck in a financial situation and i needed a loan sum of $100,000,00 dollars to pay my bills and start up a new business and unfortunately my daughter was very sick and was rush to the hospital and the doctor told my family that my daughter need to under go a surgery and it will cost us the sum of $60,000,00 dollars and my family was stuck in a financial situation we tried seeking help from various loan company and banks and they all decline  as good will have it all i came across Mrs shelter loan company who offered me a loan sum of $190,000,00 dollars and today  my daughter surgery was 100% successful  please if you must contact any company in references in securing a loan without collateral no credit check with just 2% interest rate please contact Mrs shelter Iweala loan company on her email address (mrshelterloanfirm@hotmail.com) or whatsapp number (+2348135431671) she doesn't no know that i am doing this and i pray God favor her more.

  26. Good day to you all,We are Legitimate and trustworthy goldentorchfunds, Have
    you been denied a loan by your bank?Wondering about
    how to pay your next bill?Need a project loan?Perhaps a
    business expansion loan? If you have no down payment, bad
    credit, or perhaps numerous debt,we can find the perfect
    program to suit your specific needs! For whatever purpose
    you require a loan, whether business, personal, or debt
    consolidation.
    We have been in the lending business for 10 years, and our
    high level of experience and expertise is indisputable in
    transferring loans to all our clients under the stipulated time-
    frame. Our various loan packages cause our satisfied and
    happy clients to marvel and broadcast our firm’s high
    qualities to the world Don’t  miss this wonderful loan opportunity ,we offer
    loan at 2% we offer considerable loans
    which you can count on. For your loan application
    email us via gmail.goldentorchfunds@gmail.com
    Interested applicants borrower fill out the form
    below
    BORROWERS INFORMATION *
    * Full name:………
    * SEX *………
    * Country……….
    * State:………
    * Land:………
    * phone number:………
    * Telephone:………
    * Amount needed as loan:………
    * Loan Duration:………
    * Annual revenue:………
    * Guarantee:………
    * Payment: monthly or annually
    Thanks and best regards from christopher william 

  27. Good day i want to use this medium to tell everyone that i am a living testimony, i have never believed anything in the google or facebook because there you so much scammers and i saw a testimony of a woman that she got loan from Mr Richy Walters and another day i also saw a Man testifying of this same man Mr Richy Walters so i decided that this time let me give it a try, which i contacted him through his email i saw on the testifier testimony and i did all he said i should do and today am happy and grateful and never you under estimate my words because you think that scammers are on internet commenting on peoples wall, i urge anybody who is reading my testimony that if you are in need just apply now and be happy.
    I once doubting all this but today is a reality and for you to be the next testifier contact him now on his email address skypebankloanfirm@gmail.com

  28. A PART TO FOREVER FINANCIAL FREEDOM
    waltersloancompany@yahoo.com, text/call on +1(213) 205-3410
    Hello, My name is Christopher Palmer, a resident of 1630 Birch Street, Scranton PA United State, I am here to testify of how i got my loan from  Walters Loan Company. after i applied Two times from various loan lenders who claimed to be lenders right here this forum, i thought their lending was real and i applied but they never gave me loan until a friend of mine introduced me to walters Loan Company, who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I had doubts but i never seized to believe. I never thought there are still reliable loan lenders until I met Mr Walters, who really helped me with my loan and changed my life for the better. I know there are still many good lenders out there but i would advise you out there looking for reliable loan lender to try Walters Loan Company, he is caring and understanding. don't know if you are in need of an urgent loan also or want funding for your projects, So feel free to contact Walters Loans Company today. his email address is (waltersloancompany@yahoo.com )
    or TEXT/CALL via +1(213) 205-3410

  29. Hello!!!Greetings, i'm Hogg Geoffrey Graham from LA, I am very happy to receive a loan from the European part of the world, they gave me a loan to settle my hospital bills, They saved me from loosing my house. this message might be of help to you guys that also need a loan in other not to go the wrong side in your search you have to contact this company Michael Clinton Loans. Via E_mail: michaelclinton273@gmail.comRegards.

  30. I live in USA Florida and i am a happy woman today? I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them. If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mrs. Betty Patterson referred you to them. ( ownthomas14@gmail.com ) For more info.

  31. Do you need a loan? Have you been looking for where to get a loan? Have you been trying to get any kind of loan? then apply now at ?(carlosellisonfinance@outlook.com) if you want to get an affordable loan. Loan is offered here at a very low interest rate of 2%. Contact us now if you are interested. 

  32. Hello.Greetings, i'm Hogg Geoffrey Graham from LA, I am very happy to receive a loan from the European part of the world, they gave me a loan to settle my hospital bills, They saved me from loosing my house. this message might be of help to you guys that also need a loan in other not to go the wrong side in your search you have to contact this company Michael Clinton Loans. Via E_mail: michaelclinton273@gmail.comRegards.

  33. Hello,         Are you in need of loan ?? you can get your problems solved when you get here. I'm Mrs. Anna. From USA, last week on Monday i was seeking loan to pay my bills, so I got into the hands of different scams and I was scams by different lender, If was not for the lady who's my best friend, Mercy she introduce me to Mr Johnson Pablo(CEO) Johnson Pablo Loan Company, and he helps me with a loan of 100,000. 00 DOLLARS without no stress. So my good people of USA , you can contact him via e-mail: johnsonpabloloancompany@gmail.com  And do not forget to tell him I submit you to his company.

  34. Hello,my name is Thompson Connor, a victim of fraud in the hands of fake lenders.I lost $10,500.00 USD because I needed a large capital of $850,000.00 USD, because  I almost gave up when my business crashed, I had no place to go. My business was destroyed, and lost in the process, I and my son could not stand this happen again. December 2016, I met a friend who introduced me to a good FINANCIAL COMPANY THAT GIVES OUT INTERNET LOAN, 
    And I applied as soon as possible, on the process of my application I was told to agree to the terms and conditions of the company, because I needed an urgent loan I agreed without any hesitation,
    And on this platform, my loan was approved after some certain registration, so the company granted me the exact amount I applied for, 
    The name of this great company is SAINT DOUGLAS LOAN COMPANY
    If there is anybody here that needs a loan kindly contact this great loan company, before you go to the wrong people as i did
    if you want to avoid being scammed, please kindly contact this company via their email address saintdouglasloancompany@gmail.com I am forever thankful to this great company because they were God sent, this company brought me back to existence
    and if there is anybody here that actually need any kind of loan, kindly contact them and you will smile toogood luck to you all

  35. Hello everyone, My name is Gina Acampora and i am talking as the happiest person in the whole wild world today and i told my self that any lender that rescue my family from our poor situation, i will tell the name to the whole wild world and i am so happy to say that my family is back for good because i was in need of a loan $ 100,000 USD to start my life all over, due to my profession as i am a single mum, with 4 kids and the whole world seemed like it was hanging on me until i met the GOD sent loan Company that changed my life and that of my family, a GOD fearing firm, Nora Mildred, she was the saviour GOD sent to rescue my family and at first i thought it was not going to be possible until i received my loan of $ 100,000 USD and i will advise any one who is in genuine need of a loan to contact Mrs Nora Mildred via email at. noramildred.loan@hotmail.com because he is the most understanding and kind hearted Loans Service

  36. I got my already programmed and blanked ATM card to withdraw the maximum of $5,000 daily for a maximum of 31 days. I am so happy about this because i got mine and I have used it to get $155,000. MR OSCAR  is giving out the card just to help the poor and needy though it is illegal but it is something nice that will help your financial hardship to a change of level financially. And no one gets caught when using the card for the card is well program and very active. get yours from him. Just send him an email On  oscarwhitehackersworld@gmail.com THIS IS 100% REAL. I AM A BENEFICIARY OF THIS. HACKERS EMAIL: oscarwhitehackersworld@gmail.com

  37. Hello Every One I Just Want To Say Thank You To Mr Michael From The European Company Who Just Help Me With A Loan Of $30,000.00 To Start Up A Good Business Now Am So Happy Now, If You Are In Need Of Any Loan Kindly Email: michaelclinton273@gmail.com For Assistance. And They Are Located In The European Part Of The World.

  38. How I paid my hospital bills and tax billsCompliment of the day to you out there, I'm Harriet Braithwaite, a single mom from Ankeny Lowa, USA, I am very happy and grateful to Kendrick Investments Limited with Contact number: +13862022899, for granting me a loan on the 5th of May 2017 to settle my hospital bills and also pay my taxes. They saved me from loosing my home. This message might be of help to you out there in need of a genuine loan in other for you not to fall into the wrong hands in search of a liable loan, my advice to you is to contact this company via email:kendrick.investments@financier.com Or kendrickinvestmentslimited@outlook.com

  39.   GOOD CARD WITH COOL CASH…Get THE 2017 BLANK ATM Programmed Card and cash money directly in any ATM Machine around you. There is no risk of being caught, because the card has been programmed in such a way that it´s not traceable, it also has a technique that makes it impossible for the CCTV to detect you and you can only withdraw a total amount of $5,000.00 USD in a day. Now email us today at our E-mail address at: Atmcardcashmachine@gmail.com and get your card today and live that luxury life you every dream to live.

  40. DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN?We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $500 million.Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Ezra Sebastian Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (ezrasebastianloans@gmail.com)DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2%
    EZRA SEBASTIAN LOAN HOME, (ezrasebastianloans@gmail.com) aims is to provide Excellent Professional Financial Services.Our services include the following:*Truck Loans
    * Personal Loans
    * Debt consolidation loans
    * Car Loans
    * Business Loans
    * Education Loans
    * Mortgage
    *Refinancing Loans
    * Home LoansWe give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (ezrasebastianloans@gmail.com)NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.Yours Sincerely,
    Dr. Ezra Sebastian
    We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances.
    Get your instant loan approval

  41. Hello Every One I Just Want To Say Thank You To Mr Michael Who Just Help Me With A Loan Of $30,000 To Start A Good Business Now Am So Happy Now If You Are In Need Of Any Loan Kindly Email: michaelclinton273@gmail.com For Assistance. And They Are Located In The European Part Of The World

  42. How I paid my hospital bills and tax billsCompliment of the day to you out there, I'm Harriet Braithwaite, a single mom from Ankeny Lowa, USA, I am very happy and grateful to Kendrick Investments Limited with Contact number: +13862022899, for granting me a loan on the 5th of May 2017 to settle my hospital bills and also pay my taxes. They saved me from loosing my home. This message might be of help to you out there in need of a genuine loan in other for you not to fall into the wrong hands in search of a liable loan, my advice to you is to contact this company via email:kendrick.investments@financier.com Or kendrickinvestmentslimited@outlook.com.. Thanks

  43. DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN?We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $500 million.Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Ezra Sebastian Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (ezrasebastianloans@gmail.com)DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2%
    EZRA SEBASTIAN LOAN HOME, (ezrasebastianloans@gmail.com) aims is to provide Excellent Professional Financial Services.Our services include the following:*Truck Loans
    * Personal Loans
    * Debt consolidation loans
    * Car Loans
    * Business Loans
    * Education Loans
    * Mortgage
    *Refinancing Loans
    * Home LoansWe give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (ezrasebastianloans@gmail.com)NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.Yours Sincerely,
    Dr. Ezra Sebastian
    We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances.
    Get your instant loan approval 

    1. Are you suffering financially? or do you need urgent cash to pay your bills, or for medications worry no more because there is away you can solve all your problems without stress.You can change your life in just a short period of time. contact (unlimited hackers) for a blank [ATM SMART CARD] today and be among the lucky ones who are benefiting from this cards. I am a living tesitomy, i aslo applied for this card a month ago and now i have mine. This PROGRAMMED blank ATM SMART card is capable of hacking into any ATM machine,anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for a loan lender online about a month ago..It has really changed my life for good and now I can take of my family. The least money I get in a day with this card is about 5000. Everyday i have enough money to take care of my family. Though i was told is  illegal, i am very careful there is no risk of being caught, because it has been programmed in such a way that it is not traceable, and also it renders the CCTV useless when you are withdrawing money..For details on how to get a card today, email the hackers on this email: unlimitedhackersnetwork@gmail.com
       

  44.   Get THE 2017 BLANK ATM Programmed Card and cash money directly in any ATM Machine around you. There is no risk of being caught, because the card has been programmed in such a way that it´s not traceable, it also has a technique that makes it impossible for the CCTV to detect you and you can only withdraw a total amount of $5,000.00 USD in a day. Now email us today at our E-mail address at: Atmcardcashmachine@gmail.com and get your card today and live that luxury life you every dream to live.

  45. I am MR. HARRY certified loan lender, I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable, The Terms and Conditions are very simple and considerate. You will never regret anything in this loan transaction because I will make you smile. Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their upstart. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations. I want you to understand the fact that I MR HARRY is out to help the less financial privilege get back on track by providing all type of loans to them (E.G) mortgages, home loans business loans and bad credit loans commercial loans, start-up working capital loans, construction loans, car loans, hotel loans, and student loans, personal loans, Debts Consolidation Loans, what are you waiting for asap why don’t you try. MR HARRY Loan home and be free from debts any interested.Contact us via mrharryscottloancompany@gmail.com

  46. I'm Joyce Kane living in USA.I want to share this great testimony on how I got my loan from DAVIS LOAN COMPANY INC..I couldn't pay my bills anymore.
    I lost everything like it was the end of the world, my family were driven out of our home because I couldn't pay my bills anymore, i applied from various company but all to no avail i end up being scammed by this fake companies claiming to be lender and denied a loan by my bank as well as credit unions I visited. i was homeless, i was bored and felt like it was the end of the world, i prayed so hard to God so he can help me, i cried day and night, to God be the glory One day i meant an old friend of mine who introduced me to this God fearing loan company davisloancompany@yahoo.com At first I told him that I am not ready to take any risk of requesting a loan online anymore,but he assured me that I will receive my loan from them  on a second thought due to my current situation and condition I took a trial and applied for the loan, I  filled the loan application form and proceeded with all that was requested of me,so Luckily as God would have it, this great and God fearing company granted me a loan of $200,000.00 which i actually applied for from this company a God sent loan lender, i know many people are out there passing through so much pain right now all in the name of getting a loan i will strongly advise you all to get your loan today from this company You can get in contact with this great company via email at [davisloancompany@yahoo.com] OR CALL/TEXT +1{424} 772-2156

  47. Dear Customer, I am George Smith , I give out loans with 2% interest rate..
    Are you tired of seeking loans and Mortgages,have you been turned down constantly By your banks and other financial institutions,We offer any form
    of loan to individuals and corporate bodies at low interest rate.If you are interested in taking a loan,feel free to contact us today,we promise to offer you the best services ever.Just give us a try,because a trial will convince you.
    What are your Financial needs? 
    Do you need a business loan? 
    Do you need a personal loan? 
    Do you want to buy a car? 
    Do you want to refinance? 
    Do you need a mortgage loan? 
    Do you need a huge capital to start off your business proposal or expansion? 
    Have you lost hope and you think there is no way out, and your financial burdens still persists?Contact us via mrgeorgesmithloanfirm@gmail.com
     

  48. Attention!!! Are you interested in any kind of loan and been turned
    down severally, due to bad credit or unnecessary fees? If yes, search
    no further as We Lend out instant cash to individual and companies at
    3% interest rate. Apply today and get approved; Do fill the loan
    application form. Full Name:… Loan Amount Needed:… Purpose of
    loan:… Loan Duration:… Gender:… Age:… Home Address:…
    City:… Country:… Phone:… Personal cell:… Occupation:…
    Monthly Income:… Thanks ManagementEmail: jbt10122@gmail.com

  49. I can’t hide this great testimony that took place in my life i will love everyone to know it and be a partaker that is why i want to share it to the whole world by placing this advert online, I am (  Burriss.frederick), I want to thank (Mr Charle) for her kindness upon my family life, I never knew that there is still a sincere and trustworthy lender like this on internet and on earth. Just some days i was in search for a loan of $95,000.00 Dollars,As I was running out of money for feeding, School fees, My business was really going out of capital and my rent. I have been scammed about $5,200 Dollars before, so with that I decided not to involve my self in such business again. But a Friend of mine introduced me to a loan firm due to my appearance and doings and also my complains to her. And I told her that I am not interested of any loan deal anymore but she told me that there is still a sincere lender who she will recommend me to, And she gave me the details of this woman( Mr Charle )then i decided to give it one more trial and i am most grateful and lucky today, I was given a loan amount of $95,000,00Dollars by this great firm Prudent Financial Service, If you are in need of a genuine, Sincere, durable and a trust worthy loan lender or financial assistance and also you can be reliable and trusted, capable of paying back at the due time of the funds I will advice you to send your contact to them via emai(loanfirmcompany011@gmail.com). well my lovely Husband extend his greeting to you Mr frederick Bryan also if not for you I can't imagine the way life should be for my family today.Please I am begging everyone that will come across this post to help me thank him and if you are in need of a loan do not hesitate to contact him he is legit i mean most worthy to be trusted,  And I will always be sharing this great surprise and testimony that happened in my life everyday 
     

  50. Get a fast loan and legit with 2% low interest rate, we offer all types of loans,Our services are:* Personal loans
    * Debt Consolidation Loans
    * Business Loans
    * Education loans
    * Mortgages
    kowaanna22@gmail.com
     

  51. Hello all,I am a private lender, i offer loan at 2% this is a legitimate company with honor and difference we are ready to help you out in any financial problem that you are we offer all type of loan so if you are interested in this loan offer kindly contact us on our email: (anggadiman1@gmail.com)Also provide the follow details so that we can proceed with the loan immediately.Name:
    Amount needed:
    Duration:
    country:
    Purpose of loan:
    Monthly income:
    Phone number:
    Contact us with the above details on our email: anggadiman1@gmail.comRegards to you all. 

  52. Dear Applicant,
    i am Mr. Johnson Devlin a private loan lender, who gives out loan in a very low interest rate of 3%. we give out all kind of loan like Educational loan, Business loan, home loan, Agricultural loan, Personal loan, auto loan and other good Reason, I give out loans from the range of $5,00 0USD- $90,000,000.00USD in both Dollars Euro and Pounds at a 3% interest rate. Duration of 1- 15 years depending on the amount you need as loan. contact us via email: devlinloanfirm@yahoo.com

  53. DO YOU NEED AN URGENT LOAN, A LOAN TO START UP A NEW LINE OF BUSINESS OR TO PAY OFF DEBT CONTACT US NOW.
    I am Mr. Johnson Devlin loans Service Lender, we are a legit, registered and guaranteed loan company and we give out loans to individuals, companies, government establishments, churches and business organizations and people of all sorts. Are you in need of a loan for any purpose? Are you in a financial problem? Do you need financial solution? Johnson Devlin loans Service is the solution to all your financial problems, our loans are easy and quick. Contact us today for that loan that you desire, we can arrange any loan to suit your budget at only 3% interest rate. If interested, contact us via email: devlinloanfirm@yahoo.com

  54. We have a direct genuine provider for BG/SBLC specifically for lease, at leasing price of 4+2 of face value, Issuance by HSBC London/Hong Kong or any other AA rated Bank in Europe, Middle East or USA.

    Contact : Mr. Johnson Hatton
    Email:johnsonhatton@gmail.com
    Skype ID: johnson.hatton007

    Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.

    All inquires to Mr. Johnson Hatton should include the following minimum information so I can quickly address your needs:

    Complete contact information:
    What exactly do you need?
    How long do you need it for?
    Are you a principal borrower or a broker?

    Contact me for more details.

    Johnson Hatton

  55. Hello Sir / Madam,Do you need a credit/financial help for your business, mortgage, rent, personal loan, loan for a car or buy a house or even tuition fee for your child? We offer funding at a very low interest rate of 2.5%. All interested Applicants are to contact us via email; vdaniels0007@gmail.com with the information below.LOAN APPLICATION FORM [Fill and Return]1. Full Names:——
    2. Country:———–
    3. State:—————
    4. Contact Address:——-
    5. Loan Amount Needed:——
    6. Duration of the Loan——–
    7. Monthly Income:—————-
    8. Direct Telephone Number:———–
    Have you applied for loan online before (yes or no)
    EMAIL: [vdaniels0007@gmail.com]
    Best Regards.

  56. Are you in any financial problem? Do you need quick loans to clear your debit and get back to business. Please do provide us with the following below via Email:dereknels
    onloanfirm@gmail.com APPLICATION FORM * Name Of Applicant: * Country: * Sex: * Age: * Occupation: * Amount Requested: * Loan Duration: * Loan Purpose: * Phone Number: All mail should be send to our private email:
    Contact Email:dereknelsonloanfirm@gmail.com
    Thanks

  57. Do you need an urgent loan with no payment upfront? if yes, email now with the details below
    LOAN APPLICATION FORMFull name:
    Country:
    State:
    Phone number:
    Address:
    Loan amount:
    Loan duration:
    Purpose of loan:EMAIL: quickloanpament@gmail.comAwait your urgent response,

  58. America Loan Company Have Come To Safe Americas And The Entire World From Debt, Scam, And All Types Of Financial Problems At 3% Interest Rate. America Loan Company Is Located In United State of America (USA), They Give All Types of Loan to Both Individual, Companies and Co-Operate Bodies. If You Are Interested You Can Reach Us through Our E-Mail. Company NMLS ID: 315276Address: – USA, State Of Ohio
    E-Mail:- Americaloanscompany@Gmail.Com

  59. This is chevron finance firm, we offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable, The Terms and Conditions are very simple and considerate. You will never regret anything in this loan transaction because we will make you smile.contact Us if you are interested via__ chevronfinancefirm@gmail.com