Live up to the Mark

1. Never try to be successful , pursue excellence Success is the bye product & the result Excellence always creates Success & it is a process of continual improvement Never run after success Let it happen automatically in life 2. Freedom to Life- Life is beautiful Don’t die before the actual death Live every moment to the fullest as if today is the last day Life is gifted to humankind to live Live& Live happily towards happiness 3. Passion leads to Excellence When your hobby becomes your profession ,the passion becomes your profession You will be able to lead up toexcellence in life Satisfaction, Joy, Pleasure& love will be the outcome of the passion Following your passion for years , you will surely become somebody one day 4. Learning is very simple-Never stop Be humble Teachers do fail, Learners never fail Learning is never complicate or difficultv Learning is always possible whatever rule you apply 5. Pressure at head Current education system is developing pressure...

BEFORE YOU APPLY What decides your borrowing capacity: The green signal for the loan is given once a bank is confident of your ability to repay the sum. "The criteria for deciding the home loan are primarily the cash flow and expenses of the borrower," says R K Bansal, executive director and chief financial officer of IDBI Bank. However, it's difficult for lenders to figure out the expenses of each loan applicant because every individual has a different spending pattern. So, banks typically assume that up to 40% of your monthly income can go into paying the EMI. If an individual has a monthly income of 1 lakh, the maximum EMI he would be able to pay is 40,000. The loan amount is then calculated on the basis of the tenure and interest rate. For instance, if the interest rate is 9.5% and the tenure is 20 years, the individual can take a loan of 43 lakh. If the interest rate was higher at 10%, the eligibility would have come down to 41.5 lakh. Similarly, if he ...