Things You Must Consider Before Buying Touch Screen Pos for Your Store

When it comes to buying a touch screen POS machine. There are certain features that are must-haves and others. That are subjective to your requirements. With the heightened emphasis on contact-free payments like QR codes, having a good QR Code POS. That facilitates all popular digital transactions has become necessary. As a retailer, you are obviously looking for the maximum value. In every penny that you invest in a POS machine for your store. Be it for your start-up. or as part of transitioning to a new POS system for your existing business establishment. these are the things you must consider before buying a touch screen POS machine:-

 

  1. Prioritize your Features Selection

If you are opting for a touch screen POS machine, you are most likely going to require several other modern features as well. The limited capabilities of big machines (with wires, keyboards, printers, scanners, and so on) fixed at the POS counter has been replaced by the sleek efficiency of the touch screen POS machine. Here are some of the basic features that you must consider having:-

  • Wifi, 4G/3G and Bluetooth Connectivity
  • Portability with GPS-enablement
  • Android OS for ease of use
  • Interactive Digital Menus
  • Face Recognition for Employee Logins
  • Syncing with other devices (smartphones/tablets/laptops)
  1. Contact-Free Payments Enablement

There was a time when retailers opted for POS devices mostly for card-swiping. This is not the case today, when QR code and UPI payments have become more popular and lucrative than conventional debit/credit card transactions. This has been further necessitated by the Covid-19 norm of contact-free payments. So installing a QR Code POS with in-built QR code scanning capability is a must for contact-free payments enablement.

  1. Hardware Assessment

As far as buying a touch screen POS machine is concerned, the quality of the hardware is also a very crucial factor in determining your choice. Ask your POS service provider about the type of touch screen that has been installed in the POS devices that they are selling. While resistive touch screens might be cheaper and more sensitive to touch, it is capacitive touch screens that are more popular owing to their high durability. Also, if you are opting for a wired touch screen POS, enquire about aspects like cable management, touch interfaces for USB, customer display options if required, and so on.

  1. POS Software Capabilities

We have already discussed how important it is to have a QR Code POS with multiple digital payment capabilities. But on the whole, POS systems today have evolved a lot more to include various other operational capabilities. A good POS software allows loyalty points consolidation, allows you to keep a record of inventory levels and alerts you when the level goes below the specified minimum threshold, keeps a track of employee productivity, and helps in generating several formats of reports for your Sales and Finance Team. Also, the software capability for your touch screen POS machine should be in sync with your business type. So the POS software capabilities of an apparel store will be very different from that of a Fast Food Chain or a grocery mart.

  1. Data Storage

On-site data storage used to be the norm with POS machine earlier. Cashiers had to painstakingly take printouts of all the invoices and Daily Sales Reports, and file them. This was also subject to tampering and misuse. With the cloud storage capabilities available with most premium touch screen POS devices today, this is no longer a concern. As a business owner, you can sync your phone or laptop with the POS and get direct alerts on the sales transactions in real-time.

  1. Data Security Standards

 Be it complying with the highest encryption norms for QR code POS payments. Or abiding by the Payment Cards Industry Data Security Standards. Always check on the security compliances before buying any POS machine.

Conclusion

With an avalanche of options in the vibrant payment solutions market in India, choosing the right touch screen POS machine or scan pay QR code POS machine can be tricky. Keeping the above purchase factors in mind can be quite helpful in buying a POS. That can ease out your checkout process, prompt repeat visits, boost customer loyalty. And also streamline other operational aspects like Inventory Management and Employee Monitoring.

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How to pay your medical bills online

Paying your medical bill payment with cash can be stressful option. As medical bill payment are quite hefty and paying it offline can be cumbersome for many. Paying off medical debt isn’t as straightforward as paying off other types of debt like a loan or credit card.(online bill payment)

There’s usually more leeway when it comes to negotiating bill repayment arrangements – and possibly even lowering the amount you owe. To begin, review your medical bill and compare it to your insurance’s explanation of benefits, if you have one. Determine how much you’ll have to pay, but don’t accept your bill payment at face value: you may always try to negotiate the whole cost first. Be honest with your provider about your financial situation. You’ll almost certainly be charged more if you don’t have insurance than if you do. You can use the fact that there is a pricing difference to your advantage.

Now make easy online payments at a chemist / pharmacy

Post the digitisation, and introduction of online bill payment, medical payments have simplified. Now you just have to go to the pharmacy or a medical store and scan a QR code to complete bill payment. Digital apps like Bajaj Finserv app offer a variety of payment means for added ease. You can choose to pay via credit card, debit card, net banking, UPI and digital wallet according to your convenience. This not only adds ease, but also completely digitises payments.

Many medical professionals, such as doctors, dentists, and hospitals, can work out a payment plan for you. This is one of the simplest and most typical methods for paying off a bill you can’t afford all at once.

You might be tempted to look for a quick remedy for your medical bill debt – or simply ignore it. However, doing so may result in higher interest rates and put your credit score at jeopardy. Taking a methodical approach to paying off your medical expenses will help you prevent medical debt that appears on your credit record as delinquent.

If you do not have a medical or health insurance, you can opt for the following digital payment means:

Online personal loan

An online personal loan can help with your medical emergencies. Companies like Bajaj Finserv offer an instant personal loan of up to Rs. 25 lakhs at minimal documentation and quick disbursal. You can opt for an instant personal loan with the Bajaj Finserv app. The loan process is simple and completely loan. With the Flexi loan facility, you can choose to part pre-pay your loan instalments to reduce the burden of EMIs.

Read Also – Types Of Utility Bills Payments With Mobile App

You may be able to bargain down the cost of your medical bills on your own if you have medical bills in collections or believe you can take on the work of a medical bill payment advocate. Know that debt collectors buy debts for pennies on the dollar when it comes to medical bill payment in collections. This provides you a lot of bargaining power. If you think you can bargain with your provider, you might be able to do the job of a medical bill advocate yourself. Examine your medical bills for any costs that appear to be incorrect or excessive. One example is putting medical debt on an existing credit card.

Your doctor’s office will be pleased, but you’ll be charged a double-digit interest rate if you don’t pay the debt in full when your card statement arrives. Here’s some good news about your credit reports: An unpaid medical bill payment will not appear on your credit records for 180 days. Medical bills accounts that are in collections but are paid later by health insurance will be removed from your records as well.

With the advent of mobile payment apps, you can easily opt to pay all your medical bills online. You can also choose to pay medical bills online with the Bajaj Finserv app. The mobile payment apps offer the flexibility to make your bill payments on the go anytime, anywhere. You can choose to complete your payment with credit card, debit card, net banking, UPI and digital wallet.

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Get Your Eye-Catchy and Trendy Shoes Boxes at Wholesale Price

Today, when individuals not only focus on the products’ presentation passionately but they also keep themselves up to date according to the trend. And in all this decency, shoes are the most important part of the presentation. Everyone likes to wear beautiful and stylish shoes and this way, shoes manufacturing companies need boxes for their product. You can also customize boxes as per your requirements. Furthermore, if you want help from the experts you can take that. And if you also want boxes for your product you can easily get stylish, unique, and attractive luxury shoe boxes for your product.

Footwear Boxes 

Definitely, there is something special about buying a brand new set of shoes. That satisfying and joyful feeling of trying them on for the very first time, or catching a whiff of your new shoe smell, never gets old. A user always tends to look at the presentation of the shoes first, then its price, its quality, and the most important, how comfortable it is. These all normal observations that encourage and assist underline the decision of whether to purchase these shoes or not.

Quality Boxes with Complete Designing   

As a shoe plays an important role in the presentation. This way, that box also needs safety and presentation and a durable and reliable box fulfills this requirement. Accordingly, a shoe box design plays a significantly subtle but strong role in the buying decision. While a quality shoe box storage complements the item, not only adding an extra value to the shoe but to the complete experience of the buying. There are some unique and creative examples of shoe boxes offered by reliable sources. You can also customize your boxes as per public demand and according to the trend.

1- Boxes with innovative design 

Try to choose the boxes of unique, different, and sophisticated designs. Through which you can easily run a promotional campaign with the help of boxes, other than extra promotional or advertising campaigns. Furthermore, you have a better idea that a customer chooses that product that is creatively designed. So, you need to select the innovative design that keeps your boxes different from the rest of the brands. 

2- Collectible shoe boxes 

This is the most important feature or you can say the benefit of the shoe boxes. The user can keep anything in these boxes. Or can use them as a storage box. These boxes are durable and reliable that not only keep your product safe but also protect them from any outside issue. So, a user can keep shoes and other products for safety in these boxes.     

3- Make boxes eco-friendly 

Try to make your boxes eco-friendly. When you have the opportunity to make them stylish and swanky with durability. This way, you can also make them eco-friendly. Accordingly, this will not keep safe but also protect the product from eco issues. 

4- Make the boxes unique  

Innovative and unique packaging is so much more than safety and protection. This is the first touchpoint for users and can add immense value through the creative and unique design and the consumers’ experience. An innovative and creative box design gives a relaxing experience that resonates with the user and drops a lasting impression. Accordingly, it is very important to create boxes creatively and uniquely. You can choose the material of your choice and the producers make these boxes durable and reliable for the use purpose. In addition, if you have some creativity in your mind, you can share it with your expert and can have different and stylish boxes. Through this, you need to keep in mind that if you will have unique and different designs then there will be a remarkable increase in sales. 

5- The global shoe packaging market’s overview 

The shoe packaging market’s research analysis shows that increasing the need for sustainable and comfortable boxes will be one of the important factors that will efficiently have a positive impact on the market growth. This way, with the increasing popularity of item unboxing video, platforms have the need to mainly focus on the strong application of R&D budget toward improved and advanced packaging solutions. Furthermore, the increasing environmental concerns will also force vendors to select the material of their choice for boxes and cause businesses to decrease the use of that material which has adverse environmental effects. This way, the boxes will be manufactured with quality and reliable material.

Accordingly, to have a minimum effect on the environment, the boxes also help platforms lower their manufacturing cost and improve brand image in the market. It is observed that people love to wear stylish and matching shoes with dressing. And for that, they also want proper protection for their shoes. This way, they need proper, durable, and reliable boxes that keep their shoes safe. This increasing popularity of lightweight boxes will be one of the modern trends that will gain enough traction in the shoe boxes’ manufacturing market during the coming years. Manufacturers see the rising focus of the shoe platforms to use the proper and unique packaging, which will decrease the overall product’s cost. 

6- Economical shoe boxes 

This is the most important factor of a product. Because most people love to have the product but they can’t afford it. So, making these boxes affordable for the users is very important. If you don’t make it affordable, you may have fewer sales than expected. You may know that people want to have boxes with both qualities, affordability, and reliability. Accordingly, if your boxes will be affordable and stylish, people will love to have these boxes. Accordingly, making boxes stylish and unique with affordability is the main thing you need to do. One more thing you need to do is, do proper research and have a reliable source that has the ability to provide durable and reliable products for the users. You just need to select a reputed and reliable platform for branding purposes.   

Buying Instagram Followers

Here are some reasons to buy followers on Instagram.
First of all, accounts with high followers always come to the fore on Instagram.
For example, if you look at the frequency of customers shopping from a store, this is the same on Instagram.
Accounts with high followers always have high trust, of course, you should stick to that trust.

How to Buy Instagram Followers?

The primary rule for individual and commercial accounts is that your number of followers and likes are proportional.
For example: If an account with 10,000 followers gets 100 likes, it shows that its followers are fake.
Therefore, if there is a low level of likes in this way, you should supplement by buying likes.
We recommend that you consider the number of likes when purchasing Instagram followers in Australia.

What are the Issues to Consider When Buying Instagram Followers?

  • Your account must not be in a private location.
  • There may be a decrease in Turkish followers because they consist of active users.
  • Turkish followers do not have any uploads after the drop, because they are made up of fully active people, they can unfollow the account you don’t like.
  • Foreign followers are completely passive people, so they do not interact.
  • For foreign followers, there is free 30-day return shipping after drop, just contact us on the subject.
  • Delivery times start from 12 hours for Turkish followers and 24 hours for foreign followers, it may vary depending on the amount, and net times are written under the packages.

How Do Likes Packages Work?

The like packages are divided into two, and they are presented as automatic likes or as a single photo like.
Automatic likes packages cover the next 30 days after they are added to the system and there is no limit, for example, if you buy 100 automatic likes, 100 likes will be uploaded to all your posts for 30 days.


Single photo-like packages include a single photo, the number you bought is uploaded to the photo you purchased, it is not divided into your other photos, and this process is carried out carefully by our technical team in a maximum of 1 hour.

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Bajaj Finance customer care: How to connect with Bajaj Finserv?

Bajaj Finserv is a leading NBFC that caters to a large customer base with its unique offerings of different financial products like loans, insurance policies, investments, etc. It boasts a large service network across the country, with instant grievance redressal being one of its USPs. 

Existing customers or anyone willing to know about the services can dial the Bajaj Finance customer care number and resolve any query within seconds. It is a toll-free number, available 24/7, and you can select from 10 different regional languages, including Marathi, Tamil, Malayalam and Bengali. 

Following is a detailed look at how to connect with Bajaj Finserv through its customer care number. 

Options to connect with Bajaj Finserv via its customer care number(Bajaj Finance )

Following are the options to contact the NBFC through the Bajaj Finance customer care number.  

  • If you are an existing Bajaj Finserv customer, you can call at 08698010101 from your registered number to resolve any query like how to pay the loan EMIs online, etc ()
  • If you want to contact them from an unregistered number, you need to mention your 7-digit customer ID or EMI card number to authenticate. 

Note that this is a pan-India number, and therefore, irrespective of your place of residence, you can reach out to Bajaj customer care through this toll-free number. 

Besides customer care number with Interactive Voice System (IVS), there are other ways through which you can connect with Bajaj Finserv. 

Other ways to contact Bajaj Finserv 

Following are the most common ways to contact Bajaj Finserv – 

  • Send email 

The Bajaj Finserv email ID is currently discontinued. Alternatively, can log in to the Bajaj Experia portal to resolve any product-related issues or to lodge a complaint. 

However, if you need to contact instantly, you can call the Bajaj Finance customer care number to get answers. 

  • Via SMS

You can also opt for Bajaj Finance customer care direct solution via text messages. All you have to do is type “HELP” to +91 9227564444 and get your queries answered. The NBFC also has different numbers for different products. For instance, for personal loan related queries, you can SMS “SOL” to 9773633633. 

  • Chatbot services 

Bajaj Finserv also offers its dedicated chat services – ‘Blu’ to address any issue in real time. This chatbot facility is available on almost all product pages and pops up till the time you are on that page. 

  • Experia portal 

Along with the processes mention above, individuals can also connect with Bajaj Finserv through its dedicated customer portal Experia. This platform acts as a one-stop solution for individuals to seek any services online, round the clock. With this portal, individuals can also raise a complaint alongside clearing any product-specific doubt. 

To stay updated about all the latest notifications, individuals can also download the Bajaj Finserv Experia App on their handheld devices.  

Benefits of using Bajaj Finserv customer portal Experia 

Although the Bajaj Finance customer care number resolves any queries instantly, the Experia portal offers a gamut of additional benefits that customers of the NBFC should be aware of. 

  • Loan details at fingertips 

With Experia portal, you can log in to your account and access the information related to the loan you are currently servicing. The information includes outstanding loan balance, loan tenor, EMIs paid, the payment date for monthly instalments, and many more. 

You only have to log in first using your unique customer ID. 

  • Easy online payment

With online transactions becoming more popular in India, individuals are gradually shifting to online payment. This particular portal lets individuals pay EMIs or other charges in only a few staps. Borrowers simply need to select the option “Quick Pay” and follow the instructions to complete the payment. 

It also allows individuals to download the e-receipts after the payment is made. Such statements are often required for future endeavours. 

  • Check pre-approved offers

Bajaj Finserv also provides pre-approved offers that make the credit application process straightforward and quick. Such offers are available on a range of financial products like personal loans, business loans, etc. All you have to do is enter your name and contact number to check your pre-approved offer.  

The Bajaj Finance customer care number is the best option for individuals who want to connect with this NBFC offline. For online users, the customer portal Experia is an excellent alternative.

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Find programming help online from pro programmers

The global technology industry continues to expand at an incredible rate, seemingly unstoppable and immune to the bumps in the road that other economic sectors face. As the technology market expands, so does the demand for talent. Tech companies around the world are desperate for qualified software engineers, and this rising demand encourages an increasing number of people to learn to code and enter the profession.(online programmers)

Computer programmers

Computer programmers are in charge of analysing the needs of their clients. They then create, test, and refine software to fulfil those requirements. Computer programmers will also use their skills to ensure that the software meets industry standards and best practises in terms of performance, dependability, and security. They plan each piece of work with the help of other designers and programmers. This article gives a quick overview on how to find programming help online from pro programmers.

These are the top 5 tips from pro developers to beginner/intermediate level programmers to ace the game:

  1. Practice, practice and practice!!!

It should come as no surprise that the most common piece of advice from the experts I surveyed was to practise as much as possible. All of the best and most effective online programming courses are practice-focused, as this is the most effective way to teach people how to code.

  1. Focusing more on practical learning:

Following practise, the second most important component of learning to code is learning theory. And, while theory is important, beginners frequently make the mistake of devoting too much time and effort to reading tutorials without getting enough practice.

  1. Developer community:

Social communication is also essential in learning to code. This is why it is highly recommended that you find a developer community to join in order to ask questions, discuss programming-related topics, and support one another. These communities can be both offline and online. Offline communities are always preferable for establishing personal relationships and contact with others. For example: Codegym.

  1. Clearing doubts/ finding solutions

When it comes to software development, being able to search for and find solutions to programming problems and ways to solve coding challenges is nearly half the battle. Even if developers lack technical knowledge or skills, searching can be the meta-skill that gets them through the challenges of professional programming.

  1. Revisiting fundamentals:

Even though the practice-first approach is highly recommended when learning to code, programmers should not overlook or underestimate the importance of fundamental knowledge. Knowing fundamental CS skills and disciplines, such as algorithms, computational thinking, data structures, and others, will be beneficial and will allow advancing more quickly.  

      Apart from being a part of the game, programmers require to grow constantly.

Periodical update to the latest trends and techniques is what keeps them going smoothly.

They can seek ideas from pro level developers through an internet platform that offer a similar front for communication between developers and learners. Developer communities are one such platform. Here are a few most popular communities to help programmers get help from masters of programming, and polish their skills.

WEB DEVELOPER COMMUNITIES THAT CAN HELP FIND PROGRAMMING HELP ONLINE FROM PRO PROGRAMMERS:

  1. GOOGLE  DEVELOPERS GROUP
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GDG brings together software developers with similar interests through meetups and hands-on workshops. Everyone and anyone interested in technology, from beginners to experienced professionals, is welcome to join the community.

  1. FACEBOOK DEVELOPER CIRCLE
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Facebook Developer Circles is a programme that aims to create locally organised communities for developers. These communities educate as well as provide a forum for discussion and knowledge sharing on topics that are important to developers in a specific market.

  1. DEVCAREER
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DevCareer is a non-profit organisation that provides mentorship and resources to aspiring developers in order for them to become world-class developers. They provide laptops, co-working space, resources, mentorship, and job placements to African software developers who complete the programme.

  1. DAILY UI
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Daily UI is a free series of UI design challenges, inspiration, and surprises that will help programmers become better designers. Their incredible daily reminders will motivate them to continue learning.

  1. DEV TO
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DEV is a group of software developers who help one another.And  DEV is a space for developers to collaborate and network, as well as learn and share their knowledge.

  1. DIGITAL OCEAN COMMUNITY
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This is a welcoming environment where developers can seek or provide assistance, as well as contribute to the community of DevOps and cloud computing enthusiasts. The community offers comprehensive guides, tutorials, developer trends, Q&A sessions, and much more.

  1. CODE NEWBIE
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Code Newbie is the most helpful community for programmers and those learning to code. It began as a weekly Twitter chat to provide much-needed assistance to people learning to code. Since then, it has grown into a welcoming, international community of people learning to code.

  1. WOMEN WHO CODE
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It is a global nonprofit organization that provides a global community for women in technology through events, coding resources, jobs, mentorship, and other services. Therefore They want to inspire, support, and assist women in developing technical skills and advancing in their careers.

  1. GITHUB
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GitHub is a collaborative communication forum site where over 65 million developers collaborate to share ideas, ask questions, and build projects. Therefore Programmers aspiring to learn can follow the discussion that interests them and share their project for discussion with other members.

  1. HASH NODE
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Hash node is a global programming community. Learners can share their ongoing projects, stories, ask questions, make suggestions, and respond to other people’s questions. Therefore It’s a free platform that keeps them connected to the global developer community.

Programmers can anonymously publish technical blogs or real-world development problems here. Therefore These blogs are distributed to all members of the community.

CONCLUSION

Programming forms the foundations of the new world and it cannot be left alone to be stagnant. Then It requires continuous updates and upgrade, be it from the developer’s end or overall programming business. Therefore A web developer community provides a vital stage for interaction among the developers. From diverse developing strata and facilitates growth. And the penetration of new and unique technologies. It allows learners to find help online from pro programmers.

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Thinking about a Gold Loan? Here’s What You Should Know Before Applying

There are several ways to borrow money when you are hit by emergencies or crisis. Generally, unsecured loans like personal and credit card loans and secured loans against your assets are the most popular options. One of the simplest and most convenient borrowing options is a loan against gold.

 Gold loan . A is easier to obtain because credit and income restrictions get reduced when collateral is provided. With the recent increase in the loan-to-value ratio by the RBI, from 75% to 90%. People can now obtain more credit on their gold

What are Gold Loans 

A gold loan is what a person borrows from a bank or institution by pledging his gold jewelry or coins as collateral. The loan amount granted to the borrower depends on the market value and quality of the gold he is willing to pledge. As it is a type of secured loan, there is no focus on the borrower’s credit history, which means anybody can obtain if he possesses assets.

No lender gives 100% of the value of gold as a loan. The maximum loan-to-value for gold loans was previously limited to 75% which has now been extended to up to 90% of the market price of the metal. The best  gives you several benefits like low interest rates, the flexibility of repayment, and a hassle-free, instant money disbursal.

What Determines the Loan Amount?

Most lenders offer loans on pure gold, minimum of 18 carats. The higher the purity of gold, the better is the valuation and thus the loan amount. When you pledge your gold jewelry, the lender doesn’t consider the value of gems and stones but only values the gold. Moreover, several lenders avoid giving loans against gold bars but accept gold coins with a purity of 99.99% and up to 50 grams of weight.

How to Choose the Lender?

When it comes to picking a lender to apply for a gold loan, there are two primary options available. You can either take a gold loan from a bank or a Non-Banking Financial Company. You should avoid small shops and jewelers because they are not regulated and can expose unfavorable conditions.

There are some reputed NBFCs that primarily focus on gold loans. These institutions may offer flexible repayment options and liberal gold valuation methods. This means you can quickly obtain a high loan amount for your gold with a hassle-free documentation process.

When you apply for gold loan with a reputed financial institution, you can get up to 90% of the value of your gold and low-interest rates. However, it is important to do some research and background checks of the lender before applying. See that the lender takes appropriate safety measures for your assets. The credibility of the lender matters because you are keeping your valuable assets with them.

What are the Interest Rates?

The gold loan rate of interest varies from lender to lender. In general, the rate of interest ranges from 8% to 30% depending on several factors including the loan amount, tenor, risk assessment, and repayment options chosen. Some lenders may charge a higher interest rate for giving a higher loan to value ratio as there more risk is involved. However, the rate is usually lower than other types of loans.

What is the Repayment Structure?

The repayment structure is another important consideration . The best lenders offer several options when it comes to repaying your amount. The tenor of this type of loan generally ranges between 12 and 60 months, with some companies even offering up to 7 years of loan tenors. However, most lenders have a shorter loan tenor of 24-36 months in most cases.

Gold loans usually offer a flexible repayment structure as compared to other types of loans. The repayment process for gold loans is different for different banks and financial institutions. Most lenders give you the option to pay the monthly interest on the loan amount throughout the tenor and pay the principal amount at the end to take back the gold.

Some other institutions even provide the option of monthly installments to pay a part of the amount and interest every month during the tenor.

What are the Charges applicable on Gold Loans?

There is a processing fee associated with gold loans, a percentage of the loan amount that differs based on the lender you select. Apart from this charge, some lenders can also levy valuation charges. You should ask about these charges before applying for the loan. While there is no prepayment on gold loans, some banks and institutions may ask for up to 1% of the loan amount as prepayment.

As gold prices keep changing, borrowers should keep in mind that they may be asked to pledge additional gold during the tenor there are major changes. Ideally, the loan amount should be 75%-90% of the total value of the gold. Moreover, if the borrower fails to repay the loan on time, lenders can auction or sell the gold assets to acquire their money. However, most lenders send multiple reminders before doing this.

Gold loans can help you manage a financial emergency by giving you access to quick funds at a low rate of interest. This type of loan is particularly useful for those who don’t have a good credit history. However, it is important to choose the tenor and repayment method that suits your financial condition.

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Know the Benefits and Eligibility Criteria for Loan Against Property

A loan against property proves to be a beneficial borrowing solution in terms of addressing any substantial expenses. The affordable loan against property interest rate is another reason why most individuals prefer this financial product over unsecured credits. 

Consequently, India’s loan against property market is estimated to witness a CAGR of more than 14% in volume to touch over $857 billion by FY26. While these statistics hint at a favourable time to opt for this credit product, individuals need to know its benefits, interest rates, and eligibility to make an informed decision. 

Benefits of LAP loan

Following are some of the top benefits of availing a mortgage loan, like a loan against property. 

  • High sum 

Since a loan against property is a secured credit option, individuals can avail a substantial loan amount by pledging any of their high-stake assets. Top financial institutions offer funds up to Rs.1 crore to salaried individuals and Rs.3.5 crore to self-employed borrowers, based on their eligibility and the current valuation of the collateral. 

  • Competitive interest rates 

Besides large corpus, mortgage loan interest rates are another reason for the popularity of this loan option. Since a loan against property is backed by a mortgage, lenders can be assured of the timely repayment of the debt. Therefore, they offer a competitive interest rate while sanctioning this advance. 

  • Convenient repayment options 

Due to economical LAP interest rates, it gets easier for borrowers to repay this loan without any hassle. They can choose a tenor of up to 20 years and plan a seamless repayment structure. 

To make this process even more convenient, they can also take the aid of an online LAP EMI calculator to estimate the monthly instalments. All they have to do is enter the loan amount, tenor and interest rates. The results will appear on the screen at once. 

  • Tax benefits 

Although the loan against property interest rate is on the lower side, you can further save on repayment by claiming tax exemptions. For instance, under Section 37(1), you can enjoy tax deductions if you utilise the funds for business purposes. The deduction is available only on the processing fees and interest paid. 

Similarly, under Section 24(B), tax benefits are applicable if you use the advance to purchase a residential property. In this case, also, the deduction can be claimed against interest paid, and the cap is Rs.2 lakh. 

However, in any case, first, you need to have a clear idea of how you can avail tax benefits on your LAP. 

Besides, a loan against property accompanies several other perks like an easy balance transfer facility, zero end-use restrictions, etc. Nevertheless, to leverage these benefits, you need to know the eligibility parameters in details. 

Eligibility criteria for a loan against property  

The loan against property interest rate also depends on the eligibility. With proper eligibility, borrowers can negotiate better rates and service terms. Qualify for a loan against property by meeting these simple eligibility criteria. 

Salaried individuals

  • Age should range from 33 to 58 years.
  • Must be a residing Indian citizen. 
  • Employed at a reputed MNC or public or private firm. 

Self-employed individuals

  • Aged between 25 and 70 years.
  • Resident of India 
  • A steady monthly income as per the city of residence. 

Selected NBFCs offer a loan against minimal eligibility and affordable interest rates. You can also use a mortgage loan calculator on the lender’s website to check the repayment options easily. 

They also extend pre-approved offers that simplify and expedite loan processing. Such offers are available on various financial products like loan against property, home loans, etc. Enter your name and contact number to check your pre-approved offer online. 

loan against property

Hence, loan against property interest rate and eligibility are two major aspects of borrowing that determine the affordability and loan amount. Keep these pointers in mind before applying. 

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pick a suitable one based on size, height, and supporting wheels

Depending on size, height, and supporting wheels, there are many bicycles available in the  Indian market. For cycling in the jungle and mountain areas, you always need mountain bike cycles. Bear in mind, mountain bike cycles come with all the necessary features to help you enjoying cycling over the mountain.(supporting wheels)

However, picking up the best mountain bike cycle from so many can be daunting. To help you out, here we have prepared a list of top mountain bike cycles that you can buy in India in 2021 and enjoy riding. 

You can also run the given mountain bicycles on normal streets. It means these bicycles are also considered hybrid cycles

Following are the on-demand mountain bike cycles that you opt for and enjoy your day. 

  • Geekay Hashtag Mountain Bike Cycle

Do you want a sleek, fashionable, trendy, and top-performing bike cycle? Then, the Geekay Hashtag Mountain bike cycle will be the utmost choice for you. The Hashtag bike cycle is light weighted ( only 15 kg) and comes with dual disc breaks. There’s one dual disc break in the front and the other one is in the rear part. One of the most significant advantages of this Hashtag cycle is that it’s designed with adjustable saddle height. This mountain bike cycle will be the best option for those with a height between 5 to 5.6 feet. 

  • Hero Kyoto 26T Single Speed Mountain Bike

When it comes to the best and customer demand mountain bike, nothing can beat the Hero Kyoto bike. This bike will be best for fitness freaks, athletes, and individuals. The frame size of this bike will be  18 inches, and you can assure that this bike cycle will offer a stable performance every time when you ride on it.  Besides, the Hero Kyoto Mountain bike cycle comes with a V-type break. The frame of this bike cycle is made from steel-type material. This bike cycle has also an anti-skid property that will give you a proper grip while ridding. 

  • Dexter Front Suspension 21-Speed Mountain Bike

Another customer’s choice mountain bike cycle. This bike cycle has an amazing aluminum frame. Henceforth, there’s no need of thinking about its performance. Apart from this, in order to make your ride easy and quick, you can even count its front suspension and durability. In addition, this bike has 26 inches wheel- perfect for those heights between 5 to 6 feet. 

  •  Firefox Bikes Grunge-D, 27.5 Mountain Bike Cycle

This is another stunning and durable bike cycle you can opt for. This bike cycle’s frame is made from steel-type material and provides stability to the rider. For power braking, this mountain bike cycle comes with a mechanical disc that provides extra strength. In addition, you can also run this bike cycle on the road like other hybrid cycles

  • Omobikes Manali G7

This mountain bike specially designed for off-road biking. Besides, it comes with a seven-speed gear train that makes the bike cycle flexible for all types of ride, including off-road and urban areas. On top of this, it designed with a high-quality 60mm suspension making it comfortable to ride on rough surfaces. 

Summary
These are the top five mountain bikes currently available in the market. However, before you buy any mountain bike, cross-check the essential features, such as frame, supporting wheels, and size. Do, you want a mountain bike and enjoy cycling? don’t waste your valuable time and contact Bajaj Finserv EMI Network Card and buy any mountain bikes along with other hybrid cycles. You can buy 1+ million products, from 1.5+ million shops, across India from Bajaj Finserv.

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Hire a Professional Cleaning Service in Sydney for Sofa and Upholstery

.There is no need to explain the importance of upholstery and couch cleaning services in Sydney. Hiring a professional curtain cleaning Sydney Company can do a lot of things an individual .You cannot handle in their limited time and schedule. A couch cleaning Sydney Company is also called an upholstery steam cleaning company depending on their services. Having these professional cleaning services at your disposal can make sure that the cleanliness of your house and everything in it including upholstery becomes paramount.(cleaning service)

Every new home buyer needs to implement some strategies to make furniture and upholstery look great and shiny. Cleaning is also essential for your health and safety to enjoy a happy life in your new home. That is why you should consider hiring L-shaped lounge cleaning professionals who can take care of variety of furniture that needs thorough and resilient cleaning.(cleaning service)

Let us get a little deeper into this topic and discover the amazing benefits of focusing on lounge cleaning Sydney professional services in your area. We want to assure that you save your time and get the services you deserve for making a dream home. Let us lend a helping hand to summarize the few advantages of hire the best upholstery steam cleaning professionals in your town.

Let us have a look.

Clean and Safe Services

Being an innovative individual or family head, you must ensure that your potential guests and clients will be delighted when they step foot in your premises. The first thing that catches that attention of people is often the look of your furniture and walls. Even thought your house windows and doors may present a beautiful picture of architectural construction, your dirty sofa or unclean curtain or drape in the living room can instantly turn guests down. With that, your impression also goes down to have a fabulously dirt-free house.

Cleanliness of your home office also matters much for clients and customers who frequently visit your office. You must ensure that the property you have owned should be in an impeccable condition. Just like you take care of wall paints and everything else in your house, you need to create good first impression of your home office as well in terms of upholstery cleanliness.

Moreover, sometime in the future, you may have to decide to sell your property and shift to another Sydney location. Unless your sofas and curtains are in spotless condition, people are not willing to buy them. You should ensure that before selling your old furniture, you should hire professional couch cleaning Sydney professionals who will take care of your specific needs by providing tailored services. Professional steam cleaners will carry out these tasks right away while you can focus on other things. You cannot just handle clean up service and everything singlehandedly.

Peace of Mind(cleaning service)

Hiring the professional leather couch cleaning Sydney services will also give you enough peace of mind. For example, when you call leather couch cleaning Sydney professionals, they offer you comprehensive packages that you can afford without breaking your bank. Buying brand new curtains and sofa sets can damage your monthly budget significantly and leave you high and dry. Professional’s cleaners can make everything safe and secure including your bank account to go down the drain.(cleaning service)

This is where professional upholstery cleaning Sydney services come in and play a crucial role in transforming your home. First of all, they will do a thorough inspection of your sofa, couch, chair, or curtain. They will discover stains, grime, oil, grease, and dirt that you can hardly find with naked eyes. With sophisticated machinery and latest tools, these cleaning professionals have a sharp eye for enhancing the quality of your home and upholstery. Your diverse cleaning needs cannot be met adequately unless you hire competent and dependable sofa cleaning Sydney professionals.

Cost Effective Services in Your Town(cleaning service)

Dedicated and passionate sofa cleaning Windsor professionals will benefit homeowners. In many ways, one of which is providing the quality services in a cost-effective manner. For example, if you hire Sydney’s trusted upholstery cleaning services such as Pro Sofa Clean, they will never charge you more than you can afford. This means you can manage your budget monthly efficiently.

We have the best tools and professional cleaners with years of experience of upholstery cleaning industry in Australia. Hiring our professional cleaners in Sydney will make sure that you get rid of dirty curtains and stained sofa covers and cushions. Our crew in Sydney is working efficiently in all suburbs. We focus on efficient day time service a dove to the next project. Taking time to call our professionals will make your life much better and valuable and save you from the hassle and pain of cleaning upholstery or drapes yourself.(cleaning service)