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Home First Finance Company India

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TVS Sundram Fasteners Interview Questions and Answers

Updated 27 Jun 2024

Q1. Do the credit analysis of Milk related business

Ans.

Yes

  • Credit analysis of milk-related business involves assessing the financial health and creditworthiness of businesses involved in the production, processing, and distribution of milk and dairy products.

  • Key factors to consider in credit analysis include the company's financial statements, cash flow, profitability, market demand for milk products, competition, and industry trends.

  • Analyzing the company's ability to repay loans, manage debt, and generate consistent revenue is cr...read more

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Q2. How yo will sell product

Ans.

I will sell the product by understanding the customer's needs, building trust, and showcasing the benefits of the product.

  • Identify customer needs and pain points

  • Build rapport and trust with the customer

  • Highlight the unique features and benefits of the product

  • Provide personalized solutions to meet customer's needs

  • Offer demonstrations or trials to showcase product effectiveness

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Q3. What is current interest rate.?

Ans.

The current interest rate varies depending on the type of loan or investment, as well as economic conditions.

  • Interest rates can differ for different types of loans such as mortgages, personal loans, and car loans.

  • Interest rates for investments like savings accounts, CDs, and bonds are also subject to change.

  • The Federal Reserve may adjust the federal funds rate, which can impact overall interest rates in the economy.

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Q4. How will you do credit analysis

Ans.

Credit analysis involves assessing the creditworthiness of borrowers to determine their ability to repay loans.

  • Gather financial information of the borrower, such as income statements, balance sheets, and cash flow statements

  • Analyze the borrower's credit history, including credit scores and payment patterns

  • Evaluate the borrower's debt-to-income ratio and debt service coverage ratio

  • Assess the borrower's collateral, if applicable

  • Consider the borrower's industry and economic fact...read more

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Q5. What will be home loan?

Ans.

A home loan is a type of loan specifically used to purchase a home or real estate property.

  • Home loans are typically long-term loans with fixed or adjustable interest rates.

  • The property being purchased is used as collateral for the loan.

  • Home loans can be obtained from banks, credit unions, or other financial institutions.

  • The borrower makes monthly payments to repay the loan amount plus interest.

  • Failure to repay the loan can result in foreclosure on the property.

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Q6. What is Ready recknor rate?

Ans.

Ready reckoner rate is the minimum rate set by the government for a property in a particular area for the purpose of calculating stamp duty and registration charges.

  • Ready reckoner rate is also known as circle rate, guideline value, or collector rate.

  • It is used to determine the market value of a property for taxation purposes.

  • The rate varies from area to area and is revised periodically by the government.

  • It is important for property buyers and sellers to be aware of the ready ...read more

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Q7. What is affordable housing

Ans.

Affordable housing refers to housing that is reasonably priced and within the financial means of low to moderate-income individuals or families.

  • Affordable housing is designed to be affordable for people with limited financial resources.

  • It typically involves housing units that are rented or sold at below-market rates.

  • Affordable housing programs may include subsidies, tax incentives, or government assistance to make housing more affordable.

  • The definition of affordable housing m...read more

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Q8. WHY SALES IN HOME FIRST

Ans.

Sales in Home First provides an opportunity to help individuals and families achieve their dream of owning a home.

  • Home ownership is a significant milestone for many individuals and families

  • Helping clients secure financing for their dream home can be rewarding

  • Opportunity to build long-term relationships with clients and provide ongoing support

  • Home First offers competitive products and services in the mortgage industry

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Interview Process at TVS Sundram Fasteners

based on 30 interviews
3 Interview rounds
Resume Shortlist Round
Group Discussion Round
One-on-one Round
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