sbs.azeemuddin 10- anjaneyar koil street 2nd floor, annai flats, west saidapet. chennai-600 015....
TRANSCRIPT
![Page 1: SBS.AZEEMUDDIN 10- Anjaneyar Koil Street 2nd Floor, Annai Flats, West Saidapet. Chennai-600 015. Tamilnadu. Mobile: - 093 807 46880 E-mail: - earn.insure@gmail.comearn.insure@gmail.com](https://reader030.vdocument.in/reader030/viewer/2022032722/56649ce35503460f949aeff2/html5/thumbnails/1.jpg)
SBS.AZEEMUDDIN 10- Anjaneyar Koil Street 2nd Floor, Annai Flats, West Saidapet. Chennai-600 015. Tamilnadu.
Mobile: - 093 807 46880 E-mail: - [email protected]
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We request your good self to
please depute an officer to
evaluate this scheme
and to implement the same, for earning
“GOLDMINE PROFIT
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Sub: New Jewel Loan Scheme
(Copyright Protected)
Proposal submitted with request for sanction. Reg
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We are very much interested to start a new innovative “Jewel Loan Scheme”
and request your Bank’s financial
assistance to start the most viable and
0% risk involved & 100% guaranteed LOAN scheme.
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Scheme Details:The Loan we are going to
disburse is for buying GOLD JEWELS only.
As the craze for YELLOW METAL is very high we will
achieve the stipulated borrower target very easily.
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The Loan is for Central & state Govt
Employees and
central & state govt undertaking employees,
Public Sector and
Private Sector Bank employees only.
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Because, this sector employees
are the safe borrowers for us
and the JOB they are employed itself is a LOAN SECURITY
for us.
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There are 12.5 Lakh Employees in Tamilnadu State
Government and other sector will contribute to another 2.5
Lakh employees.
Totally 15 Lakh employees can be approached via TV Media and
Print Media.
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A minimum of 1.00 Lakh employees (Borrowers) target can be achieved
very easily from this sector.
(Just 6.6% of total 15 Lakh
Employees)
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Loan Details: Minimum Loan amount of
Rs.1.00 Lakh per employee will be sanctioned.
(Maximum Loan amount can be
decided from the repayment capacity of the borrower)
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Down payment of Rs. 6,500/- (6.5% of Rs. 1.00 Lakh)
will be collected
from the employees towards
processing Charges &
service charges for sanctioning the loan.
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Loan Repayment period will be for 8 Years.
Interest @ 12% per annum will be collected.
(Or as decided by the bank can be collected)
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Mode of Loan repayment:
There are TWO types of repayment methods
and your bank can decide on which
method of repayment we have to work
to get the loan amount repaid by the borrower.
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Repayment Method One:
We will charge interest @ 12% per annum or
as per the norms of the bank and
pay the same to the bank which sanctions loan to us
to disburse the same to the borrowers.
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We will also pay the principle loan amount
on monthly EMI basis as
Rs.1, 042/- per month for 8 years
collected from the borrowers.
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How the Borrower is benefited in Method One?
The borrower is paying interest on diminishing value
basis.
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Repayment Method Two:
Interest Rs.1, 000/- per month (@12% per annum
for Rs.1.00 Lakh Loan) only
will be collected & paid to the bank for 8 years.
This will totally amount to an Interest income of Rs. 96,000/- in
8 Years to the bank.
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Towards PRINCIPLE repayment
we will take an INSURANCE policy for the loan amount and the policy will be assigned to the bank
towards safety of the Loan amount.
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The premium for the insurance will work out to Rs.1, 165/- Per Month for
Rs. 1.00 Lakh Sum Assured, and for 8 years
the borrower will be paying a premium of
Rs. 1,11,840/-
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Totally the borrower is paying
Rs. 96,000/- as Interest and Rs. 1,11,840/- towards
Insurance Premium, and totally Rs. 2,07,840/- is paid by the borrower
apart from Rs.6,500/- paid towards
processing & service charges.
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How the principle Loan amount will be repaid?
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The Insurance maturity value will be given to the bank and out of that value the
bank will adjust the principle loan amount.
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The balance amount of the maturity value will be given to the borrower as BONUS
after 8th year.
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What the Bank Earns?
The Bank is earning Rs.6, 500/- towards Processing & service
charges.The bank is earning Rs. 96,000/- as interest for sanctioning a loan of Rs.1.00 Lakh with a repayment
period of 8 years.
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Moreover The bank is also getting back the
principle loan amount repaid through the
Insurance Sum assured. ( 1.00 Lakh)
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Apart from this the bank
is also earning Registration Deposit
from the Jewellers.
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How the Borrower is benefited?
The borrower is paying
totally Rs. 6,500 +
Rs. 96,000 + 1, 11,840 =
Rs. 2, 14, 340/- in 8 years.
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The borrower is paying in 8 years
Rs. 1, 14,340/- extra after deducting the principle
jewel loan value of Rs. 1.00 Lakh
from Rs. 2,14,340/-
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Apart from this, the borrower
is getting back bonus
from the insurance maturity value. (After Deducting Principle
Loan amount)
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FINALLY THE BORROWER IS THE ULTIMATE GAINER,
BECAUSE THE JEWEL VALUE WILL APPRECIATE IN 8 YEARS
DEFENITELY, AND THE INVESTMENT BY WAY OF
TAKING LOAN FOR BUYING JEWELS WILL BE A WISE DECISION
ON THE PART OF GOVERNMENT
EMPLOYEES.
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What is our profit?For introducingThis scheme to
Government Employees:
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We will be charging from the Jewel shops a
discount of 6%
from the Value of purchase by the government employee
using the Loan amount.
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The government employee must BUY his/her choice of
jewels from our / Bank authorized Jewel Shop only.
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Total benefits of the Scheme
The bank which wants to implement this scheme on all INDIA basis, can REGISTER jewelers from the respective
branch area.
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Registration charges of Rs.10.00 lakhs
or as per bank norms can be
collected by the bankfrom each jeweler
for registering their JEWEL shops to SELL their jewelleries
to government employees under this scheme.
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Bank will be earning 12% interest
or as per bank norms from
the government employees. (Through us)
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The bank is getting 6.5%
down payment per Loan and
adjusting the same towards
processing & service charges.
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If the bank opts for
REPAYMENT METHOD TWO, then the bank can earn
enormous insurance business &
Insurance Commission from the Insurance Company.
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In case of
DEATH of the borrower, the sum assured
will be paid back by the insurance company and the
bank can adjust the SUM towards its principle loan
repayment.
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The borrower will be getting BONUS
at the end of the loan period.
We will be getting a DISCOUNT of 6%
from the JEWELLERS for selling their JEWELS to the
borrowers under this scheme.
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As this scheme is going to be benefited to everyone with 100% secured features, we request your good self to please do the needful to
LAUNCH the scheme on all India basis.
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IF THE BANK IS INTERESTED WE ARE READY TO SUBMIT
THIS SCHEME TO YOUR BANK TO IMPLEMENT THIS
SCHEME ON ALL INDIA BASIS
BY YOUR BANK
ITSELF.
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This scheme will generate more business to bank with
100% safety for the loan amount,
and this scheme will generate more
gold business to jewelers
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and the
GOLD RESERVE
of our country
will increase enormously.
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Thanking you
in Anticipation.
Yours TrulySBS.AZEEMUDDIN