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Bank Loan Proposal

Bank loan proposal presentation, free google slides theme and powerpoint template.

Money makes the economy keep flowing. That’s why loans are so important! They help people make big purchases that they would otherwise not be able to afford. But how does it work? Explain it all with this modern template full of visual editable resources for a presentation about money, banks and loans. Of course it’s full of graphs, charts and tables that will give your numbers a new dimension!

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Free Loan PowerPoint Template

Loan Power Point template is a free loan template for PowerPoint that Realtors or Bank can use to create loan financial presentations or sec lending presentation. The template can also be used by lenders who want to lend money and charge an interest. Private lenders may find this background useful for creating presentations about private money for purchasing a new house or buildings. Loan PowerPoint template can be used by lenders who want to create presentations for houseowners and show different interest rates on private money. Lending PowerPoint templates like this one can be joined with other presentation templates like Saving Account PowerPoint template or money for Real Estate.

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Mar 11, 2019

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BANK LOANS. 6. 6.1 Consumer Loans 6.2 Granting and Analyzing Credit 6.3 Cost of Credit 6.4 Credit and the Law. Lesson 6.1 CONSUMER LOANS. GOALS. Define major terms associated with consumer lending Explain the difference between installment loans and open-end loans.

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• fair credit
• finance charge
• credit costs
• total finance charge
• fair credit reporting act

Presentation Transcript

BANK LOANS 6 6.1 Consumer Loans 6.2 Granting and Analyzing Credit 6.3 Cost of Credit 6.4 Credit and the Law

Lesson 6.1CONSUMER LOANS GOALS Define major terms associated with consumer lending Explain the difference between installment loans and open-end loans

INSTALLMENT LOANS • Personal loans • Automobile loans • Home equity loans • Education loans

SECURED AND UNSECURED LOANS • A secured loan is one in which some item of value backs the loan in case the borrower defaults on the loan. • The item that secures the loan is called collateral. • A lien is a legal claim to property to secure a debt. • An unsecured loan is a loan backed only by the reputation and creditworthiness of the borrower. • Unsecured loans are sometimes called signature loans.

LENDING TERMINOLOGY • Principal is the amount borrowed. • Interest is the amount you pay to use the principal. • Fees are other charges for the loan. • The finance charge is the total dollar amount to be paid for the loan. • Total payments is the total amount a consumer must repay. • Payment is the amount the borrower repays each specified period.

OPEN-END LOANS • Credit cards • Lines of credit

Lesson 6.2GRANTING AND ANALYZING CREDIT GOALS List steps in the credit-approval process Identify major criteria in a person’s credit rating

RISK MANAGEMENT • Risk management for bankers is the practice of minimizing financial loss through effective policies. • Banks face risks in operations, credit, liquidity, legal and regulatory compliance, and even marketing matters. • Risk management policies include consideration of the bank’s overall financial position, reserve requirements, cash flow, and ratio analyses of liabilities and assets.

CREDIT-APPROVAL PROCESS • Application • Documentation • Processing • Underwriting • Collateral • Capacity • Credit reputation • Closing • Funding

ANALYZING CREDIT • Consumer reporting agencies • Credit-scoring systems

CONSUMER REPORTING AGENCIES • A consumer reporting agency (CRA) is a company that compiles and keeps records on consumer payment habits and sells these reports to banks and other companies to use for evaluation creditworthiness. • Consumer reporting agencies are sometimes called credit bureaus. • The three largest CRAs • Equifax • Experian (formerly TRW) • TransUnion

CREDIT REPORTS INCLUDE • Personal data • Accounts history • Delinquent accounts • Public records • Inquiries

CREDIT-SCORING SYSTEMS • A credit-scoring system can provide an efficient and unbiased method of evaluating credit. • These scores place a numerical value on the performance or status of an applicant in various categories.

FICO • The FICO credit-scoring system developed by Fair, Isaac and Company, Inc. has become the dominant credit-scoring system. • The FICO score is a three-digit number that credit granters can use in making a loan approval decision.

FICO CRITERIA • Payment history (approximately 35 percent) • Amounts owed (approximately 30 percent) • Length of credit history (approximately 15 percent) • New credit (approximately 10 percent) • Types of credit (approximately 10 percent)

Lesson 6.3COST OF CREDIT GOALS Identify key factors in the cost of credit Explain the impact of negative credit ratings on consumers

WHAT CREDIT COSTS • Annual percentage rate • Minimum payments • Term

REVIEWING APR AND FINANCE CHARGE The APR is a key aspect of comparing credit costs. • Sum-of-digits method • Previous balance method • Adjusted balance method • Average daily balance method

MINIMUM PAYMENTS • Most credit cards require a minimum payment every month. • Minimum payments are usually 2 to 5 percent of the unpaid balance. • Paying the minimum payment keeps the account in good standing, but it does not reduce the principal much.

TREND TOWARD LOWER MINIMUM PAYMENTS • Increases bank profits • Contributes to greater consumer debt

TERM • For installment loans, length of term also affects the total finance charge. • Repaying the loan over a longer period • reduces the monthly payment • increases the total payment for the loan

Loan amount: $6,000 Creditor A Creditor B Creditor C APR 14% 14% 15% Length of Loan 3 years 4 years 4 years Monthly Payment $205.07 $163.96 $166.98 Total Finance Charge $1,382.52 $1,870.08 $2,015.04 Total Payments $7,382.52 $7,870.08 $8,015.04 COMPARING LOANS

THE IMPACT OF CREDIT • Overextension • The role of banks • Credit counseling

Lesson 6.4CREDIT AND THE LAW GOALS Explain the purpose of consumer protection laws in lending Identify important laws associated with consumer loans

TRUTH IN LENDING • The Truth in Lending Act (TILA), Title I of the Consumer Credit Protection Act of 1968 guarantees that all information about costs of a loan is provided in writing to consumers. • Items that must be disclosed include the following: • Total sales price • Amount financed • Annual percentage rate • Variable rate information • Total payments • Schedule of payments • Prepayment policies • Late payment policies • Security interest

EQUAL CREDIT OPPORTUNITY ACT The Equal Credit Opportunity Act (ECOA) prohibits the use of race, color, religion, national origin, marital status, age, receipt of public assistance, or exercise of any consumer right against a lender as a factor in determining creditworthiness.

FAIR CREDIT REPORTING ACT The Fair Credit Reporting Act (FCRA) aims to protect the information that credit bureaus, medical information companies, and tenant screening services may collect.

FAIR DEBT COLLECTION PRACTICES ACT The Fair Debt Collection Practices Act (FDCPA) protects consumers form unfair collection techniques.

FAIR CREDIT BILLING ACT • Is an amendment of TILA • Specifies fair procedures for resolving billing disputes • Prevents creditors from taking adverse action until the dispute is resolved

FAIR CREDIT AND CHARGE CARD DISCLOSURE ACT • Is an amendment of TILA • Requires credit and charge card issuers to provide information about open-end credit in direct mail or telephone solicitations

HOME EQUITY LOAN CONSUMER PROTECTION ACT • Is an amendment of TILA • Requires lenders to make appropriate disclosures about open-end loans that are secured by homes • Places limitations on such plans

CREDIT REPAIR ORGANIZATION ACT • Prohibits credit repair companies from misleading consumers about their services and costs • Requires agreements to be in writing

GRAMM-LEACH-BLILEY ACT Compels banks and other financial institutions to protect the privacy of consumers

COMPLIANCE • Authority for enforcing consumer protection acts varies with the individual laws and the government agency associated with it. • Federal statutes are enforced by • Federal Reserve • Federal Deposit Insurance Corporation (FDIC) • Federal Trade Commission (FTC) • Courts • Examiners conduct audits to test compliance.

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Project Report For Bank Loan Powerpoint Presentation Slides

A feasibility study is one of the most vital steps before starting a new business or project. Its analysis assists managers in determining the economic viability of the proposed project. Check out our professionally designed Project Report for Bank Loan presentation that will help real estate professionals showcase the projects feasibility to the lenders for successful mortgage approval. Our Economic viability analysis PPT helps the project managers to get the necessary details about project objectives, deliverables, location, layout, cost, and means of finance. This Economic feasibility PowerPoint presentation will assist the project managers in performing a market, technical, legal, and staffing study, along with financial projections and ratios. Slides such as marketing objectives, perceived risk impact, and mitigation plans will help the managers successfully execute the project. Lastly, about the firm and providing business performance glimpse sections will assist the managers in providing an overview of their organization along with the performance highlights of the project. Get access to this powerful template now

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Deliver an informational PPT on various topics by using this Project Report For Bank Loan Powerpoint Presentation Slides. This deck focuses and implements best industry practices, thus providing a birds-eye view of the topic. Encompassed with fourty three slides, designed using high-quality visuals and graphics, this deck is a complete package to use and download. All the slides offered in this deck are subjective to innumerable alterations, thus making you a pro at delivering and educating. You can modify the color of the graphics, background, or anything else as per your needs and requirements. It suits every business vertical because of its adaptable layout.

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Slide 1 : This slide introduces Project Report for Bank Loan. Begin by stating Your Company Name. Slide 2 : This slide depicts the Agenda of the presentation. Slide 3 : This slide includes the Table of contents. Slide 4 : This slide highlights the Title for the Topics to be covered in the next template. Slide 5 : This slide presents the Project overview with objectives and deliverables. Slide 6 : This slide Addresses the details about project site. Slide 7 : This slide reveals the Project location and design layout. Slide 8 : This slide elucidates the Company's project development stages and activities. Slide 9 : This slide illustrates the Project cost and means of finance. Slide 10 : This slide includes the Heading for the Contents to be covered further. Slide 11 : This slide represents the Real estate market growth projections. Slide 12 : This slide highlights the Projected income statement for next five years. Slide 13 : This slide presents the 5 years projected balance sheet. Slide 14 : This slide exhibits the Five years cash flow projections. Slide 15 : This slide incorporates the Profitability projections for next five years. Slide 16 : This slide elucidates the Project feasibility financial ratios. Slide 17 : This slide depicts the Available machinery and equipments versus required capacity. Slide 18 : This slide provides information about the Project regulatory consideration and permission checklist. Slide 19 : This slide indicates the Staffing strategy matrix for construction project. Slide 20 : This slide mentions the Project task duration and implementation timeline. Slide 21 : This slide incorporates the Heading for the Contents to be discussed further. Slide 22 : This slide highlights the Organization's marketing objectives and social media goals. Slide 23 : This slide depicts the Perceived project risks impact likelihood and significance. Slide 24 : This slide reveals the Mitigation plan to overcome perceived risks. Slide 25 : This slide presents the Title for the Topics to be covered in the upcoming template. Slide 26 : This is Our vision mission and values slide. Write your Company's core-values and long-term goals here. Slide 27 : This slide exhibits the Organization's project management team structure. Slide 28 : This slide lists the Milestones achieved by the firm. Slide 29 : This slide incorporates the Heading for the Ideas to be discussed further. Slide 30 : This slide illustrates the Year over year revenue generation highlights. Slide 31 : This slide elucidates the Yearly project performance highlights and its degree of success. Slide 32 : This slide showcases the Firm's previous project performance scoreboard. Slide 33 : This is the Icons slide for Project report for Bank loan. Slide 34 : This slide is used for depicting some Additional company related information. Slide 35 : This slide presents the Allocation of appropriate resources to various customer segments. Slide 36 : This slide displays the 12 months project implementation timeline. Slide 37 : This slide focuses on the Project feasibility analysis matrix. Slide 38 : This slide deals with the Financial topic. Slide 39 : This slide includes the 36 60 90 days plan for efficient planning. Slide 40 : This is the Puzzle slide with related imagery. Slide 41 : This is Our vision, mission, goal slide for listing the Organization's targets and mission. Slide 42 : This is the Venn diagram slide for some vital Company information. Slide 43 : This is the Thank you slide for acknowledgement.

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