Gustar Conjugation in Spanish, Translation, and Examples

The Spanish verb gustar can be translated as to like. This verb may be confusing for Spanish learners because gustar is considered a defective or impersonal verb, so it is often conjugated in the third person only. In addition, it requires a variation in the sentence structure. This article includes gustar conjugations in the indicative mood (present, past, conditional, and future), the subjunctive mood (present and past), the imperative mood, and other verb forms, as well as examples, translations, and explanations of the peculiarities of the verb gustar. Using the Verb Gustar If youre a beginner at Spanish, chances are most of the sentences youve been using as examples follow roughly the same word order as we use in English, with the verb following the subject. But Spanish also frequently places the subject after the verb, and that is usually true with gustar. Here are some examples of gustar in action: Me gusta el coche. (I like the car.)Nos gustan los coches. (We like the cars.)Le gustan los coches. (You/he/she likes the cars.) As you can see, the sentences arent quite what you might expect. Instead of following the form person who likes verb the object liked, they follow the form indirect-object pronoun representing the person who likes verb the object liked (the indirect-object pronouns are me, te, le, nos, os, and les). In these sentences, the object liked is the subject in Spanish. Also, note that the subject of these sentences (the object that is liked) is always accompanied by the definite article (el, la, los, las). If this seems confusing, heres an approach that might help: Instead of thinking of gustar as meaning to like, it is both more accurate and makes more sense in this sentence structure to think of it as meaning to be pleasing. When we say, I like the car, the meaning is much the same as saying, the car is pleasing to me. In plural form, it becomes the cars are pleasing to me, with a plural verb. Note, then, the differences in the common and literal translations below: Me gusta el coche.  (I like the car. Literally, the car is pleasing to me.)Nos gustan los coches. (We like the cars. Literally, the cars are pleasing to us.)Le gustan las camionetas. (You /he/she likes the pickups. Literally, the pickups are pleasing to you/him/her.) When the pronoun le or les is used, as in the third example, the context might not always make clear who is the person doing the liking. In that case, you can add the prepositional phrase a the person liking, as shown below, at the beginning of the sentence (or less commonly at the end of the sentence). Note that the indirect-object pronoun cannot be omitted; the prepositional phrase clarifies the indirect-object pronoun rather than replacing it. A Carlos le gusta el coche. (Carlos likes the car.)A Marà ­a le gustan las camionetas. (Marà ­a likes the pickups.) ¿A ustedes les gusta el coche? (Do you like the car?) Conjugating Gustar Because gustar is nearly always used with subjects in the third person, it is often considered a defective verb. However, it can also be used with other subjects to talk about liking different people. Be careful though, because often the verb gustar, when used with people, denotes a romantic attraction. To talk about simply liking people, a more common expression uses the verb caer bien, as in Marà ­a me cae bien (I like Marà ­a). In the table below, you can see how gustar can be conjugated for each different subject using this romantic meaning. Yo gusto Yo le gusto a mi novio. My boyfriend likes me. / I am pleasing to my boyfriend. Tà º gustas Tà º le gustas a tu esposa. Your wife likes you. / You are pleasing to your wife. Usted/à ©l/ella gusta Ella le gusta a Carlos. Carlos likes her. / She is pleasing to Carlos. Nosotros gustamos Nosotros le gustamos a muchas personas. Many people like us. / We are pleasing to many people. Vosotros gustà ¡is Vosotros le gustà ¡is a Pedro. Pedro likes you. / You are pleasing to Pedro. Ustedes/ellos/ellas gustan Ellos le gustan a Marta. Marta likes them. / They are pleasing to Marta. Since gustar is frequently used to talk about things being pleasing to people, or people liking things, the tables below show the conjugations of the verb with the liked objects as the subject of the sentence. The verb takes the form of the third person singular if the person likes a singular noun or verb, and the third person plural if the person likes a plural noun. Gustar Present Indicative A mà ­ me gusta(n) Me gusta la comida china. I like Chinese food. A ti tegusta(n) Te gustan las frutas y verduras. You like fruits and vegetables. A usted/à ©l/ella legusta(n) Le gusta bailar salsa. She likes to dance salsa. A nosotros nosgusta(n) Nos gusta el arte moderno. We like modern art. A vosotros osgusta(n) Os gusta caminar por la ciudad. You like walking around the city. A ustedes/ellos/ellas lesgusta(n) Les gustan los colores vivos. They like bright colors. Preterite Indicative The preterite tense is used to talk about completed actions in the past. In the case of gustar, it would be used in the context of seeing or trying something for the first time and liking it, or having liked something only for a certain amount of time. A mà ­ me gustà ³/gustaron Me gustà ³ la comida china. I liked Chinese food. A ti tegustà ³/gustaron Te gustaron las frutas y verduras. You liked fruits and vegetables. A usted/à ©l/ella legustà ³/gustaron Le gustà ³ bailar salsa. She liked to dance salsa. A nosotros nosgustà ³/gustaron Nos gustà ³ el arte moderno. We liked modern art. A vosotros osgustà ³/gustaron Os gustà ³ caminar por la ciudad. You liked walking around the city. A ustedes/ellos/ellas lesgustà ³/gustaron Les gustaron los colores vivos. They liked bright colors. Imperfect Indicative The imperfect tense is used to talk about ongoing or repeated actions in the past. In the case of gustar, it would refer to someone who used to like something, but doesnt anymore. A mà ­ me gustaba(n) Me gustabala comida china. I used to like Chinese food. A ti tegustaba(n) Te gustabanlas frutas y verduras. You used to like fruits and vegetables. A usted/à ©l/ella legustaba(n) Le gustababailar salsa. She used to like to dance salsa. A nosotros nosgustaba(n) Nos gustabael arte moderno. We used to like modern art. A vosotros osgustaba(n) Os gustabacaminar por la ciudad. You used to likewalking around the city. A ustedes/ellos/ellas lesgustaba(n) Les gustaban los colores vivos. Theyused to like bright colors. Future Indicative A mà ­ me gustarà ¡(n) Me gustarà ¡la comida china. I will like Chinese food. A ti tegustarà ¡(n) Te gustarà ¡nlas frutas y verduras. You will like fruits and vegetables. A usted/à ©l/ella legustarà ¡(n) Le gustarà ¡bailar salsa. She will like to dance salsa. A nosotros nosgustarà ¡(n) Nos gustarà ¡el arte moderno. We will like modern art. A vosotros osgustarà ¡(n) Os gustarà ¡caminar por la ciudad. You will likewalking around the city. A ustedes/ellos/ellas lesgustarà ¡(n) Les gustarà ¡n los colores vivos. Theywill like bright colors. Periphrastic  Future Indicative   A mà ­ me va(n) a gustar Me va a gustar la comida china. I am going to like Chinese food. A ti teva(n) a gustar Te van a gustarlas frutas y verduras. You aregoing to like fruits and vegetables. A usted/à ©l/ella leva(n) a gustar Le va a gustarbailar salsa. She isgoing to like to dance salsa. A nosotros nosva(n) a gustar Nos va a gustarel arte moderno. We aregoing to like modern art. A vosotros osva(n) a gustar Os va a gustarcaminar por la ciudad. You aregoing to likewalking around the city. A ustedes/ellos/ellas lesva(n) a gustar Les van a gustar los colores vivos. Theyaregoing to like bright colors. Present Progressive/Gerund Form The gerund or present participle can be used as an adverb, or to form progressive tenses like the present progressive. Present Progressive ofGustar està ¡(n) gustando A ella le està ¡ gustando bailar salsa. She is liking dancing salsa. Past Participle The past participle can be used as an adjective or to form compound verb forms using the auxiliary verb haber, such as the present perfect. Present Perfect of Gustar ha(n) gustado A ella le ha gustado bailar salsa. She has liked dancing salsa. Conditional Indicative The conditional tense is used to talk about possibilities. A mà ­ me gustarà ­a(n) Me gustarà ­ala comida china, pero es muy salada. I would like Chinese food, but it is very salty. A ti tegustarà ­a(n) Te gustarà ­anlas frutas y verduras si fueras mà ¡s saludable. You would like fruits and vegetables if you were healthier. A usted/à ©l/ella legustarà ­a(n) Le gustarà ­abailar salsa si hubiera tomado clases. She would like to dance salsa if she had taken lessons. A nosotros nosgustarà ­a(n) Nos gustarà ­ael arte moderno, pero preferimos el arte clà ¡sico. We would like modern art, but we prefer classical art. A vosotros osgustarà ­a(n) Os gustarà ­acaminar por la ciudad si no fuera peligroso. You would likewalking around the city if it were not dangerous. A ustedes/ellos/ellas lesgustarà ­a(n) Les gustarà ­an los colores vivos, pero prefieren los colores claros. Theywould like bright colors, but they prefer light colors. Present Subjunctive Que a mà ­ me guste(n) El cocinero espera que me guste la comida china. The cook hopes I like Chinese food. Que a ti te guste(n) Tu madre espera que te gusten las frutas y verduras. Your mother hopes that you like fruits and vegetables. Que a usted/à ©l/ella le guste(n) Su novio espera que a ella le guste bailar salsa. Her boyfriend hopes that she like to dance salsa. Que a nosotros nos guste(n) El artista espera que nos guste el arte moderno. The artist hopes that we like modern art. Que a vosotros os guste(n) La doctora espera que nos guste caminar por la ciudad. The doctor hopes that we like walking around the city. Que a ustedes/ellos/ellas les guste(n) El diseà ±ador espera que a ellas les gusten los colores vivos. The designer hopes that they like bright colors. Imperfect Subjunctive The imperfect subjunctive can be conjugated in two different ways: Option 1 Que a mà ­ me gustara(n) El cocinero esperaba que me gustara la comida china. The cook hoped I like Chinese food. Que a ti te gustara(n) Tu madre esperaba que te gustaran las frutas y verduras. Your mother hoped that you like fruits and vegetables. Que a usted/à ©l/ella le gustara(n) Su novio esperaba que a ella le gustara bailar salsa. Her boyfriend hoped that she like to dance salsa. Que a nosotros nos gustara(n) El artista esperaba que nos gustara el arte moderno. The artist hoped that we like modern art. Que a vosotros os gustara(n) La doctora esperaba que nos gustara caminar por la ciudad. The doctor hoped that we like walking around the city. Que a ustedes/ellos/ellas les gustara(n) El diseà ±ador esperaba que les gustaran los colores vivos. The designer hoped that they like bright colors. Option 2 Que a mà ­ me gustase(n) El cocinero esperaba que me gustase la comida china. The cook hoped I like Chinese food. Que a ti te gustase(n) Tu madre esperaba que te gustasen las frutas y verduras. Your mother hoped that you like fruits and vegetables. Que a usted/à ©l/ella le gustase(n) Su novio esperaba que a ella le gustase bailar salsa. Her boyfriend hoped that she like to dance salsa. Que a nosotros nos gustase(n) El artista esperaba que nos gustase el arte moderno. The artist hoped that we like modern art. Que a vosotros os gustase(n) La doctora esperaba que nos gustase caminar por la ciudad. The doctor hoped that we like walking around the city. Que a ustedes/ellos/ellas les gustase(n) El diseà ±ador esperaba que les gustasen los colores vivos. The designer hoped that they like bright colors. Gustar Imperative The imperative mood is used to give commands or orders. However, remember that gustar is a different verb, where the subject of the sentence is the object that pleases the person. Since you cant command a thing to please someone, the imperative forms of gustar are very rarely used. If you wanted to tell someone to like something, you would say it in a more indirect way using a structure with the subjunctive, such as Quiero que te gusten las frutas (I want you to like fruit) or Exijo que te guste bailar (I demand that you like to dance).

The Industrial Revolution in America - 638 Words

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Mobilization of Deposits Free Essays

Topic: â€Å"Mobilization of deposits in banking system of Pakistan† Submitted to: Ma’am Bushra Submitted by: Muhammad Mumtaz (09-arid-929) Tayyab Sultan (08-arid-387) Muhammad Sohail Zafar (09-arid-934) Farhan Ahmed (08-arid-402) ACKNOWLEDGEMENT Thanks to Almighty ALLAH who had made us able to complete this project with the true knowledge. Special thanks are due to our respected teacher Ma’am Bushra Zulfiqar who have shown us the right way to go for our project to success and enlightened our mind with the tips and guidance to think creatively. We are thankful to our friends, who help us a lot during this course of project. We will write a custom essay sample on Mobilization of Deposits or any similar topic only for you Order Now Table of content: 1) Deposit——————————————————————————-4 2) Current Accounts——————————————————————-4 3) HBL Freedom Account————————————————————4 4) HBL Business Value Account—————————————————-4 5) Term Accounts———————————————————————-5 6) HBL Advantage Account———————————————————-5 7) Investment Plus Deposit————————— ——————————–5 8) Savings Accounts————————————————– —————–5 9) PLS – Savings Account—————â₠¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€-6 10) Remittance Munafa Plus Savings Account—————————————6 11) Foreign Currency Accounts———————————————————7 12) Mobilization of deposits————————————————————-8 13) HBL Car Loan—————————————————— ——————8 14) HBL Car To Car——————————————— Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€œ9 15) HBL Credit Card———————————————————————10 16) HBL Home Loan———————————————————————11 17) HBL INVESTMENT BANKING———————————– ————–13 18) HBL Zarai Banking——————————————————————14 19) MCB Islamic banking————————————————â⠂¬â€Ã¢â‚¬â€- ——–17 20) Al-Makhraj Saving Account————————————————— —–17 21) IANAT Account———————————————————————–18 22) Al Makhraj Term Deposit————————————————————20 23) Ijarah————————————————————————————20 24) Murabahah——————————————â€⠀Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€œ ———-21 25) Diminishing Musharika Equipment————————————————-21 Abstract: Banks generally adopt following strategies to mobilize their Deposits in two categories 1-  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Demand Deposits which are payable to the owner on demand i. e Savings Accounts Current Account etc. 2-  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Time Deposits. These are Fixed Deposit for various tenors ranging from month to 10 years and are payable at maturity. * Banks accept Deposits from institutions like Government institutions, public ltd and Private limited companies and Trusts etc. * Banks accept Deposits from general public by launching various Deposit schemes catering the needs of every segment of society and offer attractive Profit rates on these schemes. * For example HBL offers HBL Money club Account to kids up to the age of 18 and offer ATM Card (with restricted Limit) and attractive Profit Rates up to 7. 55% to attract the youngsters who will subsequently prefer to maintain their Account with HBL till life time. For Businessmen who frequently transfer money to and from their Accounts to make their business payments HBL offers Freedom Account in which they can make Drafts of unlimited Number and amount and free online funds transfer by maintaining minimum daily balance of Rs. 25,000. 00/- only. This strategy attracts huge numbe rs of businessmen to HBL which has competitive advantage of largest Network of branches in every city of Pakistan with online facility. * For customers mostly businessmen who want profit on daily basis HBL Offers HBL Daily Progressive Account on which profit is calculated on daily basis and credited into customers Accounts at month end. * Similarly to encourage the remittances by expatriates through banking channels HBL offers RMPA Remittance Plus Munafa Accounts. * HBL mobilizes its deposits in the form of investments in projects and give loan to corporations as well as to the consumer. HABIB BANK LIMITED: DEPOSITS: There are different types of deposits account. Current Accounts: Make unlimited transactions while maintaining a low minimum balance every month. Current Account of HBL: * Minimum balance of Rs. 5,000 * Unlimited transactions * Non-profit bearing * HBL Debit Card and Inter Branch Transaction System (IBTS) facilities * Funds transfer to any bank through HBL Phone Banking Basic Banking Account (BBA): * Can be opened with only Rs. 1,000 * No minimum balance requirement * Up to 2 withdrawal and 2 deposit transactions free every month * Unlimited withdrawals through HBL Debit Card * Non-profit bearing HBL Freedom Account: Use your money as you please with HBL Freedom Account. Rest free from worries and expand your business with unmatched accessibility. HBL Business Value Account: * No minimum balance requirement * HBL Debit Card and Inter Branch Transaction System (IBTS) facilities * Unique transactional account for Businessmen * Up to 10 Bankers Cheques free (at minimum balance of Rs. 500,000) * Profit calculated daily, paid every quarter * Up to 5. 35% profit per annum * Funds transfer to any bank through HBL Phone Banking. * Nominal monthly maintenance charge of Rs. 50 Term Accounts: Invest your savings in our term deposits for a fixed duration and earn profit while keeping your savings secure. HBL Advantage Account: | | |   | | | | | | | | | Term| Profit per annum| 1 Year | | 12. 00%| | 3 Year | | 14. 00%| | 5 Year | | 15. 00%| | 10 Year | | 18. 00%| | | | |   | †¢ | Multiple options for tenure and profit payout. | †¢| Loan facility up to 90% of investment. | †¢| Minimum investment of Rs. 25,000. | †¢| Withdrawal at end of fixed term. | Investment Plus Deposit: * Profit paid at maturity * Minimum investment of Rs. 20 million| * Multiple options for tenure and profit payout| * Withdrawal at end of fixed term * Account for Institutions| Savings Accounts: Avail the flexibility of making transactions while earning profit on daily/monthly basis. HBL Value Account: * 7. 19% profit per annum| * Profit calculated monthly, paid every quarter| * Deposit ranges from Rs. 10,000 to Rs. 1,000,000| * Two withdrawals free every month| PLS – Savings Account: * 5. 06% profit per annum| * Profit paid bi-annually| * HBL Debit Card and Inter Branch Transaction System (IBTS) facilities| * Funds transfer to any bank through HBL Phone Banking| * Minimum balance of Rs. 20,000| * Unlimited transactions| Remittance Munafa plus Savings Account: * Special account for receiving foreign remittances| * 5. 12% profit per annum| * Profit paid every month| * Minimum balance of Rs. 20,000| Daily Munafa Account: Profit calculated daily, paid every month| * Up to 8. 84% profit per annum| * HBL Debit Card and Inter Branch Transaction System (IBTS) facilities| * Funds transfer to any bank through HBL Phone Banking| * Minimum balance of Rs. 20,000| Daily Progressive Account: * Unique transactional account for Institutions| * Profit calculated daily, pai d every month| * Up to 11. 57% profit per annum| * Inter Branch Transaction System (IBTS) facility| * Funds transfer to any bank through HBL Phone Banking| * Minimum balance of Rs. 20,000| Foreign Currency Accounts: HBL offers Foreign Currency Accounts in multiple currencies as savings and term accounts. FC-SB: Savings Account offered in 3 currencies, USD (US dollar), EUR (Euros) and GBP (UK pound)| * Tiered product, with rates depending on choice of currency| * To earn profit, minimum balance should be 1000 USD, EUR or GBP| * Interest is payable on a quarterly basis| HYFFD (High Yield Foreign Currency Fixed Deposit): * Available in 1 month, 2 month, 3 month, 6 month and 12 Month in USD, EUR | * Tiered product, with rates depending on choice of currency and term| * Profit paid on maturity only. | Mobilization of deposits: HBL CAR LOAN: HBL CarLoan helps you get your preferred car through a simple and hassle-free process, backed by superior service and support. Now you can drive a ca r you always wanted. Features: * Choice of used, new local/imported and reconditioned imported car. * Repayment options ranging upto 7 years. | * Up to 85% of financing for the car of your choice. | * Insurance at all times for complete peace of mind and security. | * Round the clock support available through HBL Phone Banking you can place your requests and queries, track the status of your repayment/loan account and avail other value-added services through HBL Phone Banking. | Eligibility criteria: | Salaried Individuals | Self-Employed Business persons/ Professionals | Citizenship| Pakistani| Pakistani| Age| 22-60 years | 22-65 years | Minimum monthly income| Rs. 20,000 | Rs. 25,000 | Documentation: Salaried Individuals | †¢ | Copy of CNIC | | 2 recent passport size photographs| †¢| Latest original salary slip and personal bank statement for last 3 months| | Self-Employed Business persons/Professionals| †¢ | Copy of CNIC | †¢| 2 recent passport size photograph s| †¢| Bank statement for last 6 months and bank letter confirming details of account| †¢| Proof of business| | HBL Car To Car:| HBL Car To Car is a revolutionary car financing offer. It makes the car of your choice affordable and practical with a buy back guarantee. HBL CarToCar offers matchless features and unique options at the end of the lease. Now you can drive a new car at the end of every two years. Features: Affordability: With HBL Car To Car, you only have to pay the difference between the car price and the pre-agreed residual value to the bank. As a result, the monthly installment may even be 40% to 50% less than that of conventional financing Upgrade of lifestyle: HBL gives you the guarantee that if you wish to return the car to us at the end of the lease term, you will not have to pay off the car’s residual value. Instead, we will directly settle this outstanding liability for you under the buy back guarantee. Hence, you can upgrade to a new car as frequently as two years* without any complication and hassle. Pay only for what you use:When you lease a car under HBL Car To Car, you only pay for that part of the car’s value that you use during the lease term. The car’s residual value* (forecasted for the end of the specific lease term) is agreed with you at the start of the lease term. This amount is deducted from the car price thus lowering the finance amount. This finance amount is based only on a part of the car’s value and not the full value of the car. Therefore, HBL CarToCar offers very low installments as compared to any conventional financing. |   | .| Flexibility| | HBL Car To Car offers you several choices at the end of the lease term:| * Upgrade – Simply return the car to HBL and drive a new one home | | * Walk away – Return the car to HBL and end the lease| | * Buy – Keep the same car. Just make a one-time settlement of the car’s residual value to HBL or pay the same in easy installments over a specified extended period of time| | * Sell – Enjoy the gain from selling off the car at a higher price in the market than what you ay HBL as the residual value| Eligibility criteria: | Salaried Individuals | Self-Employed Business persons/ Professionals | Citizenship| Pakistani| Pakistani| Age| 22-60 years | 22-65 years | Minimum monthly income| Rs. 20,000 | Rs. 25,000 | Documentation: Self-Employed Business persons/Professionals †¢ | Copy of CNIC | †¢| 2 recent passport size photographs| †¢| Bank statement for last 6 months and bank letter confirming details of account| †¢| Proof of business| Salaried Individuals | †¢ | Copy of CNIC | †¢| 2 recent passport size photographs| | Latest original salary slip and personal bank statement for last 3 months| | | | HBL Credit Card:| Welcome to a world of convenience and flexibility. Accept ed at over 29 million merchants worldwide, HBL Credit Card makes shopping fun and paying simple. So make the most of your shopping experience. Gold Card|   | Green Card| Rupees| Minimum gross salary requirements| Rupees| 50,000| | Salaried individuals| 15,000| | 180,000| | Self-employed business persons/professionals| 25,000| | | Rupees| Credit limit range| Rupees| 150,000| | Minimum| 20,000| | 500,000| | Maximum| | | | HBL Home Loan:| HBL Home Loan offers financing options to purchase a new house or renovate an existing house. Outright purchase: The outright purchase loan option provides financing for buying a new house. Home improvement: Home-improvement loan option provides financing for renovating your house. Outright Purchase| Descriptors| Home Improvement/ Renovation | 3 years to 20 years| Loan tenure| 3 years to 20 years| Rs. 300,000 – Rs. 15,000,000| | Loan amount| Rs. 300,000 – Rs. 5,000,000| | 85%| | Maximum financing amount (as % of appraised value of the property)| 70%| | 5 years| Property lease (years remaining at the time of loan maturity) | 5 years| Borne by the Bank| | Property insurance| Borne by the Bank| | Primary applicant and co-borrower| | Life insurance through HBL by the insurance company on HBL panel)| Primary applicant and co-borrower| | Eligibility criteria: | Salaried Individuals| Self-Employed Business Persons/ Professionals| Nationality | Pakistani (resident) | Pakistani (resident) | Age criteria of the main applicant and co-borrower whose income is being clubbed (spouse only)| | Permanent employees Minimum age at the time of loan application should be 21 years. Maximum age at the time of loan maturity should be 60 years. Contractual employees Minimum age at the time of loan application should be 21 years. Maximum age at the time of loan maturity should be 55 years | Minimum age at the time of loan application should be 21 years. Maximum age at the time of loan maturity should be 65 years. | | Length of Employment| | Permanent employees Minimum 1 year experience; 6 months experience with confirmed employment status in the current job. Contractual employees Minimum 2 years work experience. Third party contractual not eligible. | Minimum 2 years experience in personal business| | | Documentation:| Salaried Individuals| | * CNIC copy * 2 passport size photographs * Letter from employer * 2 latest salary slips or salary certificate * Bank statement for last 6 months and bank letter confirming details of account * Copies of property documents| | Self-Employed Business Persons/ Professionals| CNIC copy * 2 passport size photographs * Proprietorship: Bank Certificate / Latest Tax Assessment Order * Latest one year bank statement * Partnership Deed * Registered Form C * Memorandum, Article of association and registered Form 29 A (applies to company directors) * Copies of property documentsSchedule of bank charges: Ap plication processing charges (including 16% FED)| Rs. 7,000/- (non-refundable)| Early settlement charges | 4. 7% of outstanding principal | Partial payment charges | 4. 7% of adjusted principal | Late payment charges | Rs. 700 (for each late payment) | Property evaluation fee | Actual cost plus 16% FED to be recovered | Legal fee | Actual cost plus 16% FED to be recovered | | HBL INVESTMENT BANKING: HBL offers full-service Investment Banking capabilities to its clientele. This year alone, HBL has closed over thirty transactions with a cumulative worth of over USD 2 billion. This is a testament to the out-of-box thinking and the innovative products we bring to our customers. The Investment Banking Group functions in three specialist business areas: Project Finance, Debt Capital Markets Syndications and Equity Capital Markets Advisory. Project finance: The bulk of HBL’s project finance practice revolves around the power sector. Prior to the power policy of 2002, HBL actively pioneered Project Finance in Pakistan through the funding of a gas-fired co-generation plant (94 Megawatts of power and desalination of 3 million gallons per day). Subsequent to the 2002 power policy, HBL continues to play a fervent role in the sector and is the only Investment Bank that was Lead Advisor to all IPP transactions that achieved financial close. In the fertilizer sector, HBL financed the largest local currency financing in Pakistan, worth PKR 23 billion, as well as a green field venture in the telecom sector worth PKR 12 billion. Debt Capital Markets Syndications: Depending on the requirements of its customers, HBL offers a variety of products, including syndications, securitizations, privately placed and listed TFCs, term finance facilities, commercial papers, etc. HBL played the lead role in a number of significant debt transactions, including PKR 15. 14 billion TFC issue (the largest privately placed issue in Pakistan), the first bond offering for any microfinance institution in all of Asia, credit enhancement for a rapidly growing company in the consumer durables sector and numerous tier-2 capital transactions for commercial banks. Equity Advisory: HBL offers a breadth of equity and advisory products including innovative capital raising techniques, restructurings, public and private equity placements and mergers acquisitions. The HBL team played a pivotal role across several sectors, including energy, agriculture, consumer products, fertilizers, etc. , for raising various forms of equity and quasi-equity. Recently, HBL structured a convertible debt note with a built-in Put feature for a US-based provider of agriculture technology and dairy solutions – a first of its kind transaction in Pakistan. HBL also provides valuation for a company in the food and beverages sector. HBL ZaraiBanking: HBL ZaraiBanking facilities are spread across the country and provide financing through more than 800 of our branches. HBL’s presence in all agriculture belts of the country ensures easy access to farmers in rural areas. HBL ZaraiBanking provides loans to small-scale land owning farmers as well as large institutionalized and alliance based finance, enhancing agricultural harvest and, in turn, economic output of the country. Products: HBL ZaraiBanking enables farmers to invest in premier quality seeds, fertilizers, pesticides, agricultural implements and non-farm setups through its various product programs. Crop Inputs: Crop specific finance for purchase of Agri inputs such as seed, fertilizer, pesticide and other related inputs. Farm Implements: Finance available for purchase of farm implements machinery like combined harvester, sprayers, ploughs, tube wells and other crop-related tools/implements. Tractors/Agricultural Vehicles: Finance available to individual farmers, self-employed tractor operators, providing the option to select vehicles from a range of different manufacturers. Livestock: Finance available for feed, medicines, raw material, raising charges and other related activities. Poultry: Finance available for all poultry related activities including poultry farm construction/equipment, hatchery plant machinery, poultry feed, poultry medicines, composite feed production, poultry processing and other related activities. Fish Farming: Finance available for inland fish farms as well as deep-sea fishing. This includes procurement of boat, fish locating equipment, nets ropes, ice maker, fish farm water solution, hatchery construction/equipment, purchase of medicines / feed and other related activities. Group Lending: Joint finance facility for a group of farmers with small land holdings for working capital requirement. MCB Islamic banking Islamic Banking Division was formed with effect from 1st January 2003, which in a short span of time, has developed sufficient expertise, necessary infrastructure, information technology, and manpower to run Islamic Banking Operations and offer Islamic Banking Products. Mission statement: To play a dynamic role in promotion of Islamic Banking and win customers trust by providing sharia compliant financial services. Vision: To become a leader among Islamic Banks of the country in the coming years capturing major share of the domestic Islamic financial market. Al-Makhraj Saving Account: The minimum deposit requirement for Al-Makhraj Saving Account is only Rs. 5000 and profits can be earned 6-monthly. Other features associated with this product are as follows: Minimum Initial Deposit: Rs. 5000 Islamic Tools used in designing the product: Mudaraba/ Musharaka Product to be availed by: Individuals Joint Account Holders (Local) Companies, Corporate, Trusts, etc Special Advantages: For Customer = Bi-Annual Profit Payment; Withdrawal Facility Shariah = Meets requirements for Shariah Compliance Additional Features: | * Personalized Cheque books| * Withdrawal Facility from ATM/ Debit Card| | * Online deposit as per bank’s policy| | * Virtual Banking| | * Call Centers Facilities| | * 6-monthly profit payment on the basis of monthly declared rates| | * Issuance of duplicate statement of account (as per SOBC )| | * Free bank balance certificates (once in 6 months)| | * Taking stop payment/ hold mail/ standing instructions| | * No penalty if balance falls below minimum level. | | * Personal financial consultancy services (regarding Shariah Compliant products)| | * Utility bill payment via ATM card| | * Choice of statement frequency (as per Schedule of Charges)| IANAT Account: For customers who are looking for a chequing account that gives them the ease of doing unrestricted number of transactions, we offer Al-Makhraj Ianat Account. With a minimum of only Rs. 10,000, Ianat Account may be opened. With all the features and facilities that this product offers, it is highly recommended for management of business funds. Details of the product are as follows:| | 1| Minimum Initial Deposit: Rs. 10,000| 2| Product to be availed by: Individuals ; Joint Account Holders (Local), Companies, Corporate, Trusts, etc| 3| Additional Features: | | A| Personalized Cheque books| | B| Withdrawal Facility from ATM/ Debit Card| | C| Online deposit as per bank’s policy| D| Debit card; Utilities payment via ATM card| | E| Virtual Banking| | F| Call center facilities| | G| Free bank balance certificates (once in 6 months)|   | H| Taking stop payment/ hold mail/ standing instructions|   | I| Issuance of duplicate statement of account (as per Schedule of Charges)|   | J| Choice of statement frequency (as per Schedule of Charges)|   | K| No penalty if balance falls below minimum level. | 4| Banking Network: IBD’s Branch only| | Al Makhraj Term Deposit: A minimum of Rs. 25,000 is required for investment in Al-Makhraj Term Deposit. Choice of tenors can be made from a list of options namely 1, 3 ; 6 months, 1 or 2years. Profit payment options available to customers are monthly, quarterly and/ or at maturity. Details of the product are as follows: * Minimum Deposit: Rs. 25,000| * Islamic Tools used in designing the product: Mudaraba/ Musharaka| * Tenors Available:1 mth, 3 mth, 6 mth, 1 yr or 2 yrs | * Product to be availed by: Individuals ; Joint Account Holders (Local), Companies, Corporate, Trusts, etc| * Special Advantages: | | * For Customers = Profit Payment Options customized to suit needs of customers; Minimum Deposit requirement’s lower than most banks so it is more accessible/ affordable for people | | * Shariah = Meets requirements for Shariah Compliance | | * Additional Features: | | * Call center facilities| * Taking hold mail/ standing instructions for profit payments etc| | * Personal financial consultancy services (regarding Shariah Compliant products)| Profit Sharing Ratio on Al-Makhraj Account: Profit Sharing Ratio on Al-Makhraj Riba-Free Savings ; Term Deposit   Accounts is : Rabbul Maal (Depositor)|   Ã‚  70%| Mudarib (Bank)|   Ã‚  30%| MCB offers 3 broad Islamic fund based facilities: * Ijarah * Mudarabah * Diminishing Musharika Equipment Ijarah: MCB’s Islamic Ijarah, analogous to the English term ‘leasing’, is based on the ‘Ijarah wa Iqtina’ concept which means the sale of the asset to the lessee (customer) after the Ijarah has matured. Under this scheme, MCB will be the owner of the asset, and you (lessee) will be given the asset to use How to cite Mobilization of Deposits, Essay examples