Wednesday, 6 June 2012

[www.keralites.net] No fore-closure charges/pre-payment penalty on home Loans

 

RBI has issued a Notification to all banks that no fore-closure charges /pre payment penalty be imposed on Floating interest rates home loan. This has been done to have a uniform policy in all the Banks. Few banks have already declared not to impose such charges but remaining are not interested .After this notification from the RBI no bank can charge prepayment charges from Floating Home Loan customers.

All Scheduled Commercial Banks
(Excluding RRBs)
Dear Sir/Madam
 
Home Loans-Levy of fore-closure charges/pre-payment penalty
 
Please refer to our circular DBOD. No. Dir. BC. 56/13.03.00/2006-2007 dated February 2, 2007 on reasonableness of bank charges.
 
2.  In this context, attention is invited to paragraph 81 to 83 of the Monetary Policy Statement 2012-13 announced on April 17, 2012 with regard to home loans on floating interest rates. The Committee on Customer Service in Banks (Chairman: M. Damodaran)  had observed that foreclosure charges levied by banks on prepayment of home loans are resented upon by home loan borrowers across the board especially since banks were found to be hesitant in passing on the benefits of lower interest rates to the existing borrowers in a falling interest rate scenario. As such, foreclosure charges are seen as a restrictive practice deterring the borrowers from switching over to cheaper available source.
 
3. The removal of foreclosure charges/prepayment penalty on home loans will lead to reduction in the discrimination between existing and new borrowers and competition among banks will result in finer pricing of the floating rate home loans. Though many banks have in the recent past voluntarily abolished pre-payment penalties on floating rate home loans, there is a need to ensure uniformity across the banking system. It has, therefore, been decided that banks will not be permitted to charge foreclosure charges/pre-payment penalties on home loans on floating interest rate basis, with immediate effect.
 
Yours faithfully,
(Deepak Singhal)
Chief General Manager-in-Charge

www.keralites.net

__._,_.___
Recent Activity:
KERALITES - A moderated eGroup exclusively for Keralites...
To subscribe send a mail to Keralites-subscribe@yahoogroups.com.
Send your posts to Keralites@yahoogroups.com.
Send your suggestions to Keralites-owner@yahoogroups.com.

To unsubscribe send a mail to Keralites-unsubscribe@yahoogroups.com.

Homepage: www.keralites.net
.

__,_._,___

[www.keralites.net] Anger.................

 


 Anger
One day Shri Ramakrishna Paramahamsa was standing by the river Ganges with his disciples and, pointing to a boat moving upstream, he told this parable on anger.
A boatman rowing upstream sees another boat, far off, moving downstream towards him. He shouts at the top of his voice. Hey, watch out! Change your course, look out! But the boat continues to rush towards him and, as it comes closer, he sees that there is nobody in the boat.
Now, is he going to continue to yell at the boat to change its course?
No, he is simply going to change his own course and steer around the onrushing boat.
Ramakrishna said, the one who is angry is like a boat which has no captain. When you see there is no captain, steer away. Don't stand and throw words back at the boat in anger. 
Steer aside
Otherwise neither boat has a captain.

www.keralites.net

__._,_.___
Recent Activity:
KERALITES - A moderated eGroup exclusively for Keralites...
To subscribe send a mail to Keralites-subscribe@yahoogroups.com.
Send your posts to Keralites@yahoogroups.com.
Send your suggestions to Keralites-owner@yahoogroups.com.

To unsubscribe send a mail to Keralites-unsubscribe@yahoogroups.com.

Homepage: www.keralites.net
.

__,_._,___

Re: [www.keralites.net] (Trinity) God teachings or Man's

 

Dear All,

Why a Muslim cannot comment on Christian belief of Trinity? Remember, Christ is a Prophet of Islam as well. It is not logic that God has to come down as Man , that too at the end of so many thousands of years had passed, to know the pain and suffering of man and to take all sins of mankind upon Himself! That means there is something wrong in the concept of God! God knows everything and does not have to learn any thing by coming back as Man, which is just one of His infinite creations! Pls. think it over, guys.

Regards.

Mohamed Ashraf, Ponnani.


From: Thomas Mathew <thomasmathew47@hotmail.com>
To: keralites@yahoogroups.com; pskoya2004@yahoo.com
Sent: Wednesday, June 6, 2012 6:48 AM
Subject: RE: [www.keralites.net] (Trinity) God teachings or Man's

Dear All

Unfortunately people get into arguments on issues which they have no idea. The question of trinity is beyond the comprehension of common people and should be left to the people who know about it. Definitely it is not for a Muslim to comment on the beliefs of Christianity. 

Thomas Mathew


To: Keralites@YahooGroups.com
From: pskoya2004@yahoo.com
Date: Tue, 5 Jun 2012 00:42:27 -0700
Subject: Re: [www.keralites.net] (Trinity) God teachings or Man's

First I would like to say that this is not for an argument but want more explanation.

We are all creations of GOD.  Thus we can also claim that our father is GOD.  You may question it since there is a middle man.  Then the first man, Adam is the Son of GOD.

Since there is no middle man to Jesus's birth, you claim that his father is GOD.  Actually there is no meaning in it. He is one of the prophets.

Please explain without quoting from somebody, if you can.  The logic behind your claim.   

Our worship must be to GOD only and you are aware that there is no middle man required to carry it.  Everybody is controlled by GOD and thus everybody has link with GOD.  He is the supreme power and there is no ruler for him.  

regards

PSK

From: subin benjamin <subinbenjamin@gmail.com>
To: Keralites <Keralites@YahooGroups.com>
Sent: Monday, June 4, 2012 11:02 AM
Subject: Re: [www.keralites.net] (Trinity) God teachings or Man's

Dear ,[

I wanted to explain you each and every point you mentioned here on Why Jesus is not GOD and 'Some people' believe in trinity. but it is a vast subject which cannot be encapsulated in this small square space of a mail box ,However , i will give you main points .

It is difficult for many to understand because In John 12 --Isaiah says : "He has blinded their eyes and deadened their hearts, so they can neither see with their eyes, nor understand with their hearts, nor turn--and I would heal them. "Isaiah said this because he saw Jesus' glory and spoke about him.


1)Philippians 2: Your attitude should be the same as that of Christ Jesus:6Who, being in very nature God, did not consider equality with God something to be grasped, 7but made himself nothing, taking the very nature of a servant, being made in human likeness. 8And being found in appearance as a man, he humbled himself and became obedient to death-- even death on a cross!
2)Colossians 2: For in him dwelleth all the fulness of the Godhead bodily.
3)Matthew 28: 19Therefore go and make disciples of all nations, baptizing them in the name of the Father and of the Son and of the Holy Spirit
4)2 Corinthians 13: 14May the grace of the Lord Jesus Christ, and the love of God, and the fellowship of the Holy Spirit be with you all.
--------------------------------------
Many will not be able to follow this because :

Job 11: 7"Can you fathom the mysteries of God? Can you probe the limits of the Almighty? 8They are higher than the heavens -- what can you do? They are deeper than the depths of the grave -- what can you know? 9Their measure is longer than the earth and wider than the sea.


As i told , this is not so simple to understand .. it takes lot of effort to learn the trinity

Stay Blessed ..
Thanks

On Sun, Jun 3, 2012 at 1:41 AM, Lucille Anderson <lucilleanderson12@yahoo.com> wrote:

(Trinity)

God teachings or Man's

Some people believe in the Trinity teachings

if this is true then why isn' the word Trinity

in the bible".

people believe that God Jesus and the ,

Holy Spirit is one God.

Jesus and his Father are one, just like a,

husband and wife are one.

they are in union with each other but they,

are two different people but are on one,

accord with each other... Like Jesus ,

and God

They say that God Jesus And The,

Holy Spirit are all equal.

none higher, lesser or greater.

Read John 14-28... where Jesus is telling,

his disciples the Father is greater than,
himself that alone tells us that Jesus is not ,

equal to God also read Matthew 3-16

Jesus is the son of God...

not God himself... also turn your bibles,

over to John-3-16 which tells us that God,

gave us his only begotten son...again

this also prove that Jesus is not God...

Now if Jesus was God, why then do it,

says inMatthew 24-36

concerning that day and hour nobody knows,

neither the angels of heavens nor the son.

But only the Father

Now if Jesus was God...wouldn't he ,

know of that day and hour?

Read John 11-41... Before Jesus Rose ,

Lazarus from the dead who was Jesus ,

praying to? was it himself ? of course not..

He was praying to the Father.

now if Jesus was God why then would

he pray to himself ? make no sense

Jesus is the son of God...and the scriptures

proves it... still i can't even find the word,

Trinity in the Bible... matter of the fact,

in any bible...

The Trinity is man teaching...and not God's

God has no beginning nor end

Jesus has a beginning and also he died and,

rose in three days if Jesus was God then,

who was running things when God,

was dead for those three days?

www.keralites.net

__._,_.___
Recent Activity:
KERALITES - A moderated eGroup exclusively for Keralites...
To subscribe send a mail to Keralites-subscribe@yahoogroups.com.
Send your posts to Keralites@yahoogroups.com.
Send your suggestions to Keralites-owner@yahoogroups.com.

To unsubscribe send a mail to Keralites-unsubscribe@yahoogroups.com.

Homepage: www.keralites.net
.

__,_._,___

[www.keralites.net] Amazing Medical Facts of the Body-Last part

 

Amazing Medical Facts of the Body-Last part

401. Fun & Info @ Keralites.net Human bone is as strong as steel but 50 times lighter
402. Fun & Info @ Keralites.net Bones make up only 14% of our weight
403. Fun & Info @ Keralites.net The brain is faster than a super computer processing billions of signals per second. Vishwanath Ananad the Indian Chess grandmaster has many times beaten the computer at chess.
404. Fun & Info @ Keralites.net Seven out of ten people cross their left arm over their right
405. Fun & Info @ Keralites.net Your foot contains 25% of all the bones within your body.
406. Fun & Info @ Keralites.net Human eye is the only multifocus lens in the world which can adjust in 2 milliseconds
407. Fun & Info @ Keralites.net Human brain is the most powerful computer which has the processing speed of 3000+ Ghz
408. Fun & Info @ Keralites.net The gastric acid in your stomach is so powerful that it is able to eat away an iron table in about 5 minutes.
409. Fun & Info @ Keralites.net sperm containing the xy chromosomes to become a male can swim faster but not for as long as the female xx chromosomes.
410. Fun & Info @ Keralites.net The ears never stop growing through lifetime.
411. Fun & Info @ Keralites.net The heart is accually more in the middle, just off to the left.
412. Fun & Info @ Keralites.net Do you know every human spent about half an hour as a single cell

source:medindia.net

Engr.Sulthan

www.keralites.net

__._,_.___
Recent Activity:
KERALITES - A moderated eGroup exclusively for Keralites...
To subscribe send a mail to Keralites-subscribe@yahoogroups.com.
Send your posts to Keralites@yahoogroups.com.
Send your suggestions to Keralites-owner@yahoogroups.com.

To unsubscribe send a mail to Keralites-unsubscribe@yahoogroups.com.

Homepage: www.keralites.net
.

__,_._,___