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How Much Of The Property Value Will Be Covered By The Home Loan?




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While determining the principal amount of the home loan that can be provided to a person, not just the eligibility of the person is taken into account. There are other factors such as the value of the property that plays a part in the calculation of the home loan. Usually, 75% to 90% of the property value is covered under the home loan. The percentage depends upon the features of the property along with the financial condition of the home buyer.

What is LTV?

LTV or loan to value is the ratio of loan that can be provided and the value of the property. If the LTV is higher, then one needs to pay a lower down payment. Though, with a lower down payment, one will have to pay up higher amounts of EMIs. If the LTV is lower, then the amount of down payment will significantly increase. Thus, the EMIs under a lower LTV are lower as well.

If the LTV is higher, then you will have to pay a higher interest rate to the loan provider through EMIs. If you have enough funds and are financially capable, then it is better to opt for a higher down payment and a shorter tenure. Such options can ensure that you do not have to pay a higher interest rate throughout the tenure of the home loan.

What is an appropriate LTV?

One should determine the LTV that will be most suitable for them to make sure that they can afford to pay the EMIs throughout their tenure without missing a payment. Using a home loan EMI calculator can help you make a pin-pointed decision.

It is better for people who do not have enough funds for a large amount of down payment to choose a higher LTV. Though, they should consider all the plans and interest rates offered by different home loan providers. The interest rate they pick should be appropriate so that they can manage to pay the EMIs in the least amount of time possible.

If you have to go for a higher LTV, then ensure that you pick a plan with the lowest home loan interest rate. Also, as the tenure passes by, make sure that you look for opportunities for prepayment of the EMIs to decrease the tenure of the plan and along with it, the interest rate that you have to pay. PNB Housing Finance Ltd provides a loan tenure of upto 30 years and provides funding upto 90% of the property cost.

Factors Considered while Calculating LTV

  • Income: The bank or home loan provider considers your current financial condition. If you have a high income, then banks will be willing to sanction your home loan.
  • Age: People falling under the age group of 30 to 45 years have the highest chance of getting the loan sanctioned easily. The loan eligibility is in your favour if you have more time to repay the loan.
  • Liabilities: The home loan EMI calculator takes your total liabilities into account as well. If you have too many loans to repay, you will not get a home loan easily.
  • Credit history: Having a positive and good credit history ensures that you get a home loan easily. With a good credit history, you can even get the lowest home loan interest rate.



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How Find Red Sandalwood Importers Through Export Import Data




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In the intricate world of international trade, connecting with Red sandalwood Importers requires a nuanced understanding of this precious tree species, its applications, and the dynamics of the global import market. As we embark on this journey, let’s explore the depths of red sandalwood, identify the top importing countries, unravel its diverse uses, and discuss the significance of export import data, with a spotlight on Eximpedia – the ultimate Export Import Data website.

What is Red Sandalwood?

Red sandalwood, scientifically known as Pterocarpus santalinus, is a rare and valuable tree species indigenous to the Eastern Ghats of India. Renowned for its rich red heartwood, fragrant aroma, and medicinal properties, red sandalwood stands as one of the most sought-after woods globally. However, its endangered status has led to stringent regulations and limited trade, making it a precious commodity in the global market.

Which Are the Top Red Sandalwood Importing Countries?

The global red sandalwood import market revolves around a few key players. India, as the primary exporter, sends its red sandalwood to prominent importers, including China, Hong Kong, and Singapore. The trade dynamics, however, are marked by a significant discrepancy in reported trade data, owing to illegal logging and smuggling activities that pose a substantial threat to the conservation of red sandalwood. In 2020 alone, India exported 19,049 tonnes of red sandalwood logs, while the importing countries reported receiving only 4,610 tonnes.

Use of Red Sandalwood

Red sandalwood finds application in various industries, driving its demand and import market. Its distinctive properties make it valuable in:

  1. Furniture Making: Red sandalwood’s rich color and durability make it a prized choice for crafting high-quality furniture.
  2. Handicraft Production: Artisans utilize red sandalwood to create intricate handicrafts, contributing to its popularity in the global market.
  3. Medicinal Preparations: The medicinal properties of red sandalwood make it a key ingredient in traditional remedies.
  4. Cosmetic Products: Its aromatic nature and natural appeal contribute to its use in cosmetic and skincare products.

What is Export Import Data?

In the realm of international trade, Export Import Data plays a pivotal role in providing insights into market dynamics, trends, and the movement of goods across borders. Eximpedia, a leading Export Import Data website, stands as a reliable and comprehensive dashboard covering 100+ countries. Empowering businesses with multiple analysis reports, Eximpedia facilitates improved international business operations.

The online dashboard of Eximpedia grants direct access to importers’ and exporters’ data, ensuring that businesses stay informed with regularly updated information and recent market details. With sharp visualization of reports and analyses, Eximpedia emerges as the go-to platform for businesses seeking essential data to make informed decisions.

Challenges and Future Outlook

The red sandalwood import market faces challenges such as ensuring sustainable sourcing, price volatility, regulatory compliance, and balancing conservation efforts with market demand. As we look to the future, the market’s trajectory will depend on effective conservation, regulation of illegal trade, and the development of sustainable harvesting practices.

Key Players in the Red Sandalwood Import Market

Several key players contribute to the red sandalwood import market:

  • Government Agencies: Indian government agencies play a pivotal role in regulating the export of red sandalwood, ensuring compliance with conservation efforts.
  • Forestry Organizations: Organizations dedicated to forestry management oversee sustainable practices in red sandalwood forests.
  • Importers and Exporters: Companies involved in the import and export of red sandalwood play a crucial role in ethical sourcing and regulatory compliance.
  • Manufacturers and Retailers: Those crafting red sandalwood products and selling them to consumers bear the responsibility of promoting sustainable practices and educating consumers about the endangered status of the species.

In conclusion, navigating the red sandalwood import market requires a delicate balance between demand and conservation. Armed with Export Import Data, businesses can navigate the complexities of international trade, connect with red sandalwood importers, and contribute to the preservation of this invaluable tree species. The journey towards sustainability and responsible trade begins with understanding the nuances of this precious resource and making informed decisions through platforms like Eximpedia.

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A Deeper Insight Into PMP Certification Exam





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PMP, or Project Management Professional certification is a globally acclaimed credential offered by Project Management Institute (PMI). It gives you a competitive edge in the industry. Project Managers are important members of any organization. The PMP Online Training program has been designed to train you to become a skilled project manager. This course includes online classes and hands-on project training. This helps you learn various industry-relevant skills and clear the PMP exam easily.

This article explains the benefits of the PMP certification, the exam structure, and its prerequisites. Read on to know more.

How Is PMP Training Helpful?

PMP (Project Management Professional) training can help you in several ways:

  1. Enhanced Skills: It equips you with advanced project management skills and techniques, helping you become a more effective project manager.
  2. Certification: Completing PMP training prepares you for the PMP certification exam, which is globally recognized and can boost your career prospects.
  3. Career Advancement: PMP certification can open doors to higher-paying job opportunities and career advancement. Moreover, many employers prefer PMP-certified project managers.
  4. Improved Project Success: Furthermore, the knowledge gained from PMP training can lead to better project outcomes. This includes increased project efficiency, reduced risks, and improved stakeholder satisfaction.
  5. Networking: It provides opportunities to connect with other professionals in the field, facilitating networking and knowledge sharing.
  6. Global Recognition: In addition, PMP certification is recognized worldwide, making it easier to work on international projects. It also allows you to collaborate with a diverse range of professionals.
  7. Continual Learning: PMP training emphasizes the importance of continuous learning and staying updated with the latest project management trends and best practices.
  8. Problem-Solving: Lastly, you will learn effective problem-solving and decision-making techniques, which are valuable skills in any profession.

PMP Certification Prerequisites

To be eligible for the Project Management Professional (PMP) certification, you must meet certain educational and professional requirements established by the Project Management Institute (PMI).

As of the last update in September 2021, here are the eligibility and prerequisites for the PMP certification:

Educational Requirements

You need a Secondary Degree (high school diploma, associate’s degree, global equivalent, etc.). Additionally, you must gain at least five years of project management experience, with a minimum of 7,500 hours leading and directing projects.

Alternatively, you can meet the educational requirement with a four-year degree (bachelor’s degree or global equivalent). In addition, at least three years of project management experience, with a minimum of 4,500 hours leading and directing projects.

Project Management Education

In addition to the above requirements, you must also have completed 35 contact hours of formal education in project management. Many PMP aspirants fulfil this requirement by joining PMP Training in Delhi to learn the best skills.

PMP Exam Structure

As of the last update in September 2021, the PMP (Project Management Professional) exam had a specific structure.

Here is the general structure of the PMP exam as it was at that time:

  • Exam Format: The PMP exam is computer-based and consists of multiple-choice questions. It is a four-hour exam.
  • Number of Questions: Moreover, the PMP exam typically includes 180 multiple-choice questions.
  • Content Areas: The questions are based on the Project Management Institute’s (PMI) PMBOK (Project Management Body of Knowledge) Guide. It covers various domains of project management.
  • Domain Distribution: PMP eexam questions are distributed across five performance domains: Initiating (13% of questions), Planning (24% of questions), Executing (31% of questions), Monitoring and Controlling (25% of questions), Closing (7% of questions).
  • Scoring: Furthermore, each question is weighted, and candidates receive a score based on their overall performance.
  • Passing Score: The passing score is determined by PMI and was not disclosed to candidates. It is based on the difficulty level of the questions.

However, PMI periodically reviews and updates the PMP exam. Therefore, we suggest you to visit the official PMI website to obtain the most current and accurate information.


To conclude, PMP training can significantly enhance your project management capabilities. Moreover, this certificate helps you boost your career, and improve your ability to deliver successful projects. PMP-certified professionals often get hired in highly-paying jobs. Additionally, you will learn effective problem-solving and decision-making techniques, which are valuable skills in any profession.

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