INDIA – On 10th April last month, SBI reduced the home loan rates. Within a month to that, on 10th May, it again slashed the loan rates.
State Bank of India is the largest lender of the country. This time, it has reduced the MCLR (Marginal Cost of Funds Based Lending Rate) by 5%. It helped bringing down the home loan interest rate for all its borrowers. Earlier, the 1 year MCLR was 8.50%. With the rate cut on 10th May, the overall 1 year MCLR has reduced to 8.45% per annum. In addition, interest rates of all other loans linked to MCLR will also be reduced by 5 basis points.
On 10th April last month, SBI announced the monetary policy, where it cut MCLR by 5 points. The interest rate on home loans up to Rs. 30 Lakhs was also reduced previously by 10 basis points. As per the SBI claims, it has around 34% of market share in the home loans and auto loans. And with the back to back rate cuts by RBI, that occurred in February and April, the repo rate has today reached at 6%.
While these interest rates are decreasing in India, allowing more and more borrowers to take loans easily, several companies in UK are also offering Payday Loans up to £5000 for similar purposes to allow people curb their financial troubles. The norm of Payday loans is becoming heavily common in these countries. And it would just be a matter of time when this loan trend will gain on India as well.
Do’s and Don’ts in Thailand if you are a tourist
Tourists always find out as much as they can about a destination before they head out. Thailand is one of the popular destinations that you can pick to travel to and it has a lot to offer to tourists. One of the things that set geographical locations apart is the culture. People have a different way of life and there is a different way of doing things. Also, the rules may differ as set by different governments.
When heading out to Thailand, you should not be too hung on the do’s and don’ts because most discretion especially on a social level can be forgiven. This is because even foreigners have got their ways and customs. However, by knowing the do’s and Don’ts, it is possible to earn respect from the hosts, it is important to respect the royal family as well as the religion, which is Buddhism.
The do’s in Thailand
You need to respect the images of Buddha because they are sacred and any sacrilegious acts can lead to imprisonment even if you are a foreigner.
You should also dress appropriately if you mean to visit a temple. Temples are considered sacred and you have to remove your shoes before entering. The same is true about entering some shops and people’s houses.
Monks ought to be treated respectfully.
It is important to remain calm regardless of the kind of provocation or problem that may present itself.
You should eat with a spoon. A fork can be used to load the spoon with food. You should learn as much as you can about eating etiquette.
It also helps to learn some of the lost basic phrases like saying thank you and hello. It helps you interact with the locals better.
Try to smile as you move along. It helps when you understand the Thai smile as it improves your sociability.
Understand the whole concept of sanuk and try as much as you can to have fun.
Make sure you have a current visa if it is needed. You should find out whether you actually need a visa or not. Also, ensure you arrange for travel insurance and that it is adequate. This has got a lot of importance.
The Don’ts In Thailand
You should never disrespect the royal family. This is a criminal offense and insult to the monarchy.
When there is a monk around do not cross legs regardless of whether you are sitting in a chair or on the floor.
You should avoid touching the women in Thai unless express consent is given. This is regardless of imagery that is portrayed in clubs or bars. Most of the women in Thai happen to be conservative.
Do not show too much affection while in public while it is common for couples to hold hands. Snogging is looked down upon. The western behavior is different from that of Thailand.
Do not touch any person’s head or try ruffling their hair, an apology should be given should this happen.
While there are many things to do and not to do in Thai, you can have some online. There are lots of games you can engage in safely. The Golden Slot casino offers a wide range of games from different game providers to make your experience even better. Also check this website that rates Asian online casinos.
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