Review The Mortgage Policies Of Hsbc Bank Finance Essay - Free Essay Example

Sample details Pages: 11 Words: 3317 Downloads: 10 Date added: 2017/06/26 Category Finance Essay Type Analytical essay Did you like this example? INTRODUCTION: Home is the need of every human being and having their own home is dream of every human being. In the United Kingdom price of the houses are very high and it is not possible for every citizen to buy their own home without taking financial help from financial organization like banks or building societies. When bank or a building society helps someone financially by providing loan, so that a citizen is able to buy his/her own home is called mortgage. Don’t waste time! Our writers will create an original "Review The Mortgage Policies Of Hsbc Bank Finance Essay" essay for you Create order In other words we can say a mortgage represents a loan on a property or house that has to be paid over a specified period of time. As financial help is always needed for smooth run of oneà ¢Ã¢â€š ¬Ã¢â€ž ¢s life so for the convenience of the people there are many financial organizations such as banks help the people financially, who want to buy their own home and property. So mortgage was introduced by the banks, from which people can get financial help so that one is able to buy his/her own home and property. Mortgage system is very popular among the people of the United Kingdom because this is the only way to buy their own property. As we know that the mortgage is that sum of money which is borrowed from the Bank or Building Society for buying a property and that borrowed amount has to be paid back with principle plus interest within fixed time period. Today mortgage has great importance as it is the only way with the help of which people are able to buy their own property. This dissertation report is based on the theory of research over the mortgage system of HSBC Bank and specifying the various strategies and policies of their mortgage system. The purpose of this report is to critically evaluate the mortgage system of HSBC Bank. Company Background: HSBC Bank has its headquarters in London. HSBC took its name from the Hong Kong and Shanghai Corporation which was founded in 1865 to finance trade between China and Europe. HSBC is one of the largest banking and financial services organization in the world. HSBC has 8,000 offices globally. HSBC Bank is one of the major clearing banks in the United Kingdom having more assets than any other bank. The business ranges from the traditional High Street roles of personal finance and commercial banking, to private banking, consumer finance as well as corporate and investment banking. HSBC is listed on the stock exchanges of London, Hong Kong, New York, Paris having around 220,000 shareholders in 119 countries and territories. HSBC has 1500 branches in United Kingdom. HSBC Bank plc is incorporated in England and Wales and established at 8 Canada Square, London E14 5HQ which is its Registered Office. This bank is regulated by the Financial Services Authority and is registered in the Fina ncial Services Authority Register with the Registration Number: 114216. HSBC Bank is member of the Financial Ombudsman Scheme. Literature Review: à ¢Ã¢â€š ¬Ã…“A mortgage is a conveyance of land or an assignment of chattels as a security for payment of a debt or the discharge of some other obligation for which it is given. This is the idea of a mortgage; and the security is redeemable on the payment or discharge of such debt or obligation, any provision to the contrary notwithstandingà ¢Ã¢â€š ¬? (Stanley Wilde 1899) Per Lindley MR. The mortgage is derived from the two words i.e. mort and gage which means à ¢Ã¢â€š ¬Ã…“dead pledgeà ¢Ã¢â€š ¬?. The mortgage is usually signed by the borrower and agreed before a public notary and is recorded with the County Recorder. In the mortgage system if the mortgagor fails to pay the installment then the lender has right to close out the mortgage and can sale the property to get the payment for future.(Jack P Friedman, 2003 p.173-204) The mortgage is a  loan  to  finance  for the  purchase  of  real estate, with a specified intere st rates and fixed payment time period. The  borrower (mortgagor) gives the  lender  (mortgagee) a  lien  on the property  as  collateral  for the loan. People can borrow money to buy a home and pay interest on the mortgage to the lender (Bank or Building Society). The Lender (Bank) uses borrowerà ¢Ã¢â€š ¬Ã¢â€ž ¢s property as security for the loan. This term means that if the borrower fails to pay the monthly installment then lender (Bank) may repossess property. An individual can apply for mortgage from any bank like HSBC, Lloyds TSB, Barclays, and Santander or from Nationwide (Building Society) or from Islamic Bank of Britain. The mortgage makes very easier to pay the huge amount in the monthly installment for the fixed time depends on the mortgage plan. (Jack Guttentag, 2004). The mortgage which suits you the best depends on many parameters which mainly include your risk enduring capacity, your personal financial g oals and capabilities and your income. In the presence of so many options and offers present in the market it can surely become a daunting task to select the best mortgage option for you. Considering your dilemma we at finance-strategy.com came up with some useful tit bits which when kept in mind can surely help you make a wise decision towards taking a mortgage. An adjustable rate mortgage is perfect for those situations where you have to stay in that house for a short period of time and when the interest rates in the market are low and are expected to stay so too during the coming times. On the other hand a fixed rate mortgage fits those situations where in you decide to won that house for a longer period of time and the interest rates too are very high at the moment with chances of volatility in the near future. A fixed interest cushions you against these turbulent conditions. The advantages and disadvantages of mortgages will surely take us a step closer towards deci ding it for sure if taking a mortgage is the best solution for your situation. Advantages: The most important advantage associated with a mortgage is the fact that it allows us to retain the ownership of our property and at the same time helps us in getting financial aid too. There is no need for one to sell or let go of his property to seek some money in exchange. In a mortgage the lender does not receive any share in the ownership of the property but is only entitled to take back the principal amount and the interest accumulated on the principal amount lent by him to you. the lender can only claim ownership on your property in case you default on the repayment schedule. The other benefit associated with mortgage is the fact that the interest payments on the mortgage are tax free in nature. Since the schedules of repayment are pre fixed and decided it allows you to plan your financials and expenses accordingly thereby simplifying the entire process for you. By availing a mortgage you now have access to cash flow which you were not having in normal conditions an d can now use it to fulfill your needs and requirements. Disadvantages: The need of depositing collateral as security works out to be the biggest drawback of mortgages. It restricts the kind of people who can avail a mortgage as only home owners or other asset owners can do so. Also, in case that you default on your payment the lender has the right to claim the property deposited by you as collateral and then subsequently sell it off to claim back the loaned amount he had given you. You have to ensure while taking the mortgage that there is a clause mentioned therein that on repayment of the mortgage the lender has to release the ownership title submitted to him by you. The lender as per his convenience can define several events which he mat term as a default and generally includes inability to pay back the loan, bankruptcy, insolvency or any breach in the mortgage agreement. Therefore the risk of you ending up losing your property increases substantially. Repayment Of Mortgages There are two methods of repaying mortgage, one can choose from these two methods according to oneà ¢Ã¢â€š ¬Ã¢â€ž ¢s personal circumstances. Capital Repayment: With a capital repayment plan, monthly payment covers the interest charged on mortgage and it also reduces the outstanding balance each month in line with the term selected. With this repayment plan, one can ensure mortgage is fully paid off at the end of the mortgage period. What we get with the repayment option: Interest and capital repaid à ¢Ã¢â€š ¬Ã¢â‚¬Å" monthly payment covers the interest and also reduces the total balance outstanding Secure à ¢Ã¢â€š ¬Ã¢â‚¬Å" providing all payments are made, the mortgage will be repaid in full at the end of the agreed mortgage term Choose your repayment term à ¢Ã¢â€š ¬Ã¢â‚¬Å" up to a maximum of 30 years. Capital repayment is a repayment option on all of our mortgage products à ¢Ã¢â€š ¬Ã¢â‚¬Å" fixed rate, tracker and discount mortgages. Interest only: With an interest only option, monthly payment covers only the interest charged on mortgage, freeing up cash to spend elsewhere or to invest to pay off mortgage at the end of the mortgage term. By repaying only the interest on mortgage, monthly repayments are lower than with an equivalent capital repayment mortgage. What we get with the Interest only option: Interest only à ¢Ã¢â€š ¬Ã¢â‚¬Å" the monthly payment covers just the interest and the original capital amount borrowed remains outstanding throughout the term of the loan Lower monthly payments à ¢Ã¢â€š ¬Ã¢â‚¬Å" because capital is not repayed, monthly payments will be lower than with a capital repayment mortgage Long repayment term à ¢Ã¢â€š ¬Ã¢â‚¬Å" up to a maximum of 40 years Lower borrowing limit à ¢Ã¢â€š ¬Ã¢â‚¬Å" up to a maximum of 75% of the purchase price or the valuation of property (whichever is lower) Availability à ¢Ã¢â€š ¬Ã¢â‚¬Å" Interest only loans are restricted to home buyers or customers re mortgaging from a competitor. Not available to existing customers borrowing further funds. Mortgage products of HSBC Bank Fixed Rate Mortgages: Repayments are fixed for the duration of the fixed term, and because it doesnt vary, monthly repayments remain the same regardless of what happens to interest rates HSBC currently offers fixed-rate mortgages over 2 and 5 year periods. At the end of the period mortgage will revert to the HSBC Variable Rate unless borrower decide to move to another product Feature Fixed Rate Interest Type Fixed Interest Calculated Daily Yes Unlimited over payments without incurring a charge No Early repayment charge Yes Extended tie in period No Exit fee No Can loan can be port if a person move home Yes In Fixed Rate Mortgages early repayment charge applies during the fixed rate period, and if we increase our standard monthly payment by more than 20% or repay, by any other method, the whole or any part of the mortgage, over and above your standard monthly payment during your fixed rate period Tracker Mortgages: The tracker interest we pay is an agreed percentage above the Bank of Englands Base rate. As the base rate rises and falls, the tracker will track these changes, and so rise and fall accordingly. This will affect the monthly payments HSBC Tracker mortgages are Lifetime trackers, in that they track the Base rate for the lifetime of the loan. Therefore we do not have to worry about coming to the end of a deal, and subsequently switching, with the associated costs. Should Base rates rise you can select to move to a fixed rate where booking fees may be payable. Feature Fixed Rate Interest Type Variable Interest Calculated Daily Yes Unlimited over payments without incurring a charge Yes Early repayment charge No Extended tie in period No Exit fee No Can loan can be port if a person move home Yes Discount Mortgages: A discount mortgage is a variable rate mortgage that offers an interest rate that is a discount off the HSBC Variable Rate for an agreed period (e.g. 2 years). With a discount mortgage, monthly payments will go up and down as the HSBC Variable Rate rises and falls. The HSBC Variable Rate is a rate that is internally set by HSBC. An early repayment charge applies during the discounted rate period, and if we increase our standard monthly payment by more than 20% or repay, by any other method, the whole or any part of the mortgage, over and above our standard monthly payment during your discounted rate period. Feature Fixed Rate Interest Type Variable Interest Calculated Daily Yes Unlimited over payments without incurring a charge No Early repayment charge Yes Extended tie in period No Exit fee No Can loan can be port if a person move home Yes GOVT STATISTICS: According to the government statistics the Mortgage Rescue Scheme used to monitor the statistics which usually gives information on the number of householders with having the mortgage difficulties. This scheme has two main elements: Government Mortgage to Rent and à ¢Ã¢â€š ¬Ã‹Å"Shared Equity The figures which are presented by Government Office Region are usually based on this scheme and submitted to Local Government by local authorities and communities. Local authority figures do not contain estimates for missing returns. Information on the local authority response rate is provided alongside the reported figures for each period. Figures for different periods are shown on separate tabs in the workbook. This is under the Ministry of Justice and the council of mortgage lenders. (www.communities.gov.uk/publications/corporate/statistics/mortgagerescuestatistics2010) Mortgage and landlord possession statistics (NS) 13 March 2010 Quarterly National Statistics on possession actions issued in county courts by mortgage lenders and social and private landlords in England and Wales. This is released quarterly by the ministry of justice and in relation with UK statistics authority. Justification: As having the field of banking I am quite interesting in reviewing the different strategies followed by the banks in the various fields. Moreover it is accessible for me to collect the information regarding my topic as my friend is serving for the both banks. From them I can get the required data regarding my dissertation. The reason behind choosing this topic is that I can get a direction for my future perspective by having the detailed study of this topic. RESEARCH QUESTIONS: The most important parts of the research needed to be covered are as follow:- What are the major resemblances among commercial mortgage in the Britain? What are the considerations customers should employ when choosing a mortgage product? RESEARCH OBJECTIVES: The below mentioned aims are set up on the foundation of planned research questions: To study the different mortgage products of HSBC Bank To recognize the important advantages of the HSBC mortgages over the other commercial mortgages system in the country, To discover the suitable measure. RESEARCH METHOD: Research plan is very important the main component of the research method. In this research method we will give the fundamental sketch of complete research scheme. Research method is the basic initiation of the entire research in it will plan that the how and when the research will be completed and what actions are required to accomplish this task.   This section aims to explain the type of research methods that would be used for the analysis of the proposed company. The results of the research would indicate the range of services that need to be offered, and the suitability of these services for the target market.  Moore (2000)  explains how the methods used will be influenced by constraints, such as time and money. It is important to consider all the methods available and choose a method that is most likely to achieve the objective of the research. Inductive and deductive Approach: RESEARCH OPINION: In the research onion is used to define the whole process of research strategy in detail the generic research process à ¢Ã¢â€š ¬Ã‹Å"onionà ¢Ã¢â€š ¬Ã¢â€ž ¢ support the researchers and give them the direction to do work. (Saunders et al, 2000) There are the different layers which represents the following aspects of the Research Methodology. Research Philosophy Research Approach Research Strategy Time Horizons Data Collection Methods Primary and Secondary Research   Primary data is that type of information which is new and that hasnà ¢Ã¢â€š ¬Ã¢â€ž ¢t been used or collected before. On the other hand the secondary data is that information which has been collected earlier, by some other sources for their own purpose and can used by others for their convenience .(Saunders et al. 1997). Secondary research is also very important for the establishment of data and the collection of data for the current issues and this also helps to discover the relevant studies which can be carried in the past time. Advantages and disadvantages of primary and secondary research methods Primary Research Advantages: This can be used by face to face conversation in the form of interviews or by the telephonic interview. This is used by the help of technology by using mobile phones and through internet communication. A large group of people can be cover in many areas. Wider coverage of geographical areas. This method is cheaper one. . Disadvantages: There are problems to prepare it. The Questions put in this are generally easy to answer. Lower response for the historic things. Time consuming. Secondary Research Advantages: This is time saving method. This can be used by any firm for the research. Sometime this depends upon the type of research which has to be conducted, for that case their advantages and disadvantages vary. Probably accurate. Disadvantages The main disadvantage is that there is no up to date and is collected over the time. And there may be changes in that data which has to be updated. Data may be in unsuitable format. The data is free to all and there no competitive advantages the organisation (Ghauri and Gronhaug, 2002) Qualitative and Quantitative Research   The table below outlines the differences between qualitative and quantitative data:  Qualitative Quantitative This research is based on words which are expressed in meaning. Based on derived  from numbers and data. Results collected are non-standardized and data require classification into categories and not in the numerical form. Result of collection is in the numerical form and data is standardized. Conceptualism is used for conduct the analysis. Analysis conducted through there is use   Ãƒâ€šÃ‚  Ãƒâ€šÃ‚  Ãƒâ€šÃ‚  Ãƒâ€šÃ‚  Ãƒâ€šÃ‚  Of diagrams and statistics. (Dey (1993); Healey and Rawlinson (1994), cited in Saunders et al (2003)) SELECTION OF METHOD: As I have the topic of mortgage system it will be suitable for my topic if I will go through mixture of both approaches i.e. both secondary and primary resources. This will be helpful in collecting the relevant data according to the need and will be useful in going to the depth of the research. On my part it is valuable to go through by considering the research onion. Regarding this I will concern both approaches for my research given by (Saunders and Thornhill in 2000). ETHICS: The main source of data collection methods for my research is quantitative method which is useful for collecting the facts and figure for my research. Moreover I have contacts in the both banks for collecting the information. The manager Of HSBC Bank is in contact with me and he agreed to assist me in providing information as per my requirement. In order to make my research more accurate I will use the secondary data and primary data sources as well. By this I can get all the information regarding the mortgage system of the both banks with the required form of data in order to take the comparison of the policies given by the both banks for the mortgage system they provided to their customers. For the guidelines I will do all the work under my supervisor and take suggestion and help of my supervisor time to time to complete my dissertation. SCOPE: The topic of mortgage system has wider scope in the present time as there is a great demand for the mortgage products in the current market position. The theory of my topic is controllable therefore I can do better by keep in mind the wider scope of my study. Even this will help me in future to get the good job in Banking Industry. .

Conflict Within Events And Leisure Organisations Essay

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Analysis of Team A Learning teams give individuals an opportunity to work together to achieve a goal or assignment. Our learning team members completed the charter to become familiar with individual strengths, areas they would like to improve and skills they can offer to the team while completing assigned tasks. The expectations we have to be successful are stated in the charter, along with methods to manage conflict if it occurs. We will write a custom essay sample on Team Analysis or any similar topic only for you Order Now Evaluating the team member’s self-assessments along with their contribution to the team charter will provide a basis to improve the performance of Learning Team A. Team Charter Becoming familiar with team members is the primary method to know the best way to manage the performance of a team. Completing the team charter provided the foundation for team members to express their thoughts and processes of an effective team. As a learning team we established some ground rules: necessity of a team leader, checking in with team frequently, expressing problems early on. Overall, the expectations appear to be similar among all team members: encouraging communication with team members, sharing equal responsibility for the assignments, requesting and accepting assistance when needed from other team members in order to complete an assignment on time. When these expectations are not met it could result in conflict. When conflict occurs, professionalism and a direct approach will work best to manage the situation; we agree this will allow the team members to resolve the matter and continue with assignment. Self-assessments We shared our results from the self assessments on trust, listening and personality types. The assessment on trust demonstrated how most of us have trust issues, except Michael appears to be more trusting of others, within the group. This indicates the need for us to ensure we communicate to our fellow team members our intentions and follow through, in order to build trust among each other to maintain adequate performance. Listening skills were also an assessment we performed individually; most of us were surprised to see we were not as good listeners as we thought. The scores were in the mid 40s, indicating we will need to make a concerted effort to listen to team members when communicating. Although, we are communicating in a virtual forum, it is still important for us to be aware of our weaknesses as listeners so when communicating online we avoid potential setbacks in our team performance from miscommunication. As for the Jungian personality type assessment, all the team members felt that it closely depicted them. Being aware of individual attributes or strengths will help to enhance the team’s performance by knowing what they can contribute. Larry is observant, cool, unpretentious and highly motivated. Although, we have not delegated a leader yet, I would choose him to lead our team. His personality will compliment the other personalities within the team and therefore facilitate the work that needs to be done. Michelle and Richard were assessed as problem solvers and highly conceptual, I see them as the team members that can address the problems that might delay completion of an assignment. Possibly, Michelle and Richard can ensure the assignment is broken down or develop a method to complete. Michael appears to have the personality that is out-going and a visionary. These skills compliment those of Michelle and Richard by providing innovative ideas, for instance, preparing presentations. My personality assessment represents a realistic and logical manner in which I deal with situations. This will provide the team some assurance I will keep team members informed of the assignments and progress of our team. Overall, I think we have a balanced group of personalities to ensure optimal performance as a team. Conclusion Learning team A will work together to complete assignments; the team charter defines the methods we will use to improve performance. Relying on the strengths and skills of the team members will improve the efficiency of the team. As a team, we are individuals with different personalities, strengths and weaknesses; How to cite Team Analysis, Papers

Brurrito Essay Research Paper Chris Cronk2nd hour free essay sample

Brurrito Essay, Research Paper Chris Cronk 2nd hr Writing for College Dr. Strauch Burrito Have you of all time been eating a burrito and had its full contents spill all over your apparels? When you were eating that burrito did it gustatory sensation instead bland? Well, allow me state you how we make a burrito the Taco Bell manner! It will alter your position on how you make burritos everlastingly. To do this burrito I am mentioning to, you must first obtain these undermentioned points: 1 bag of 10? -inch burrito shells, 1 can of refried beans, 1 bag of grated Cheddar cheese, 1 caput of boodle, 1 tomato, 1 white onion, 1 bath of rancid pick, ? lb of land chow, and 1 bottle of pacante sauce. ( You will non utilize all of the ingredients if you make merely one burrito. ) You must first happen the proper utensils and a suited topographic point to fix the nutrient. A cutting board would be best for the readying. We will write a custom essay sample on Brurrito Essay Research Paper Chris Cronk2nd hour or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Besides gather together a frying pan, spatula, spoon, and a crisp knife. All of the ingredients must foremost be cut, cooked, and portioned before the assembly of the finished burrito. Cuting the veggies will be your following measure. Using the knife, take the caput of boodle and shred into little rectangles. Be careful non to cut yourself. Following set aside the boodle and take the tomato and onion. Slit them into centimetre broad balls and be certain non to blend together. If you prefer to hold the tomato and onion into smaller balls, merely cut smaller. Leave these ingredients separated for now, and set aside. It is now tim vitamin E to heat the meat and refried beans. Open your can of beans. Then take the spoon and put the beans in a micro-wavable container. Heat on high for 2-3 proceedingss. Leave in microwave when done so it stays hot. Following grab your frying pan and topographic point it on the range, so turn the range on high. After that, take your thawed land beef and topographic point in the frying pan. With the spatula, knock until it is a thin bed at the underside of the pan. Let sit for a minute, and so stir a small. Continue this procedure until the beef is dark brown. Turn off range and allow sit for the minute. You now have all of the indispensable ingredients needed to do a burrito the same manner as Taco Bell. All there is left to make is to do the burrito. First take a flour tortilla and lay it level on a home base. Spread 1.5oz of beans on the tortilla. Following put 1.5oz of land beef on top of the beans. Pour 1oz of pacante sauce over the center. Using your fingers, pinch about.50oz of boodle. Put the boodle in a line down the center so each bite you take will hold a small of everything. Following spoon onto the burrito.50oz of tomatoes and.50oz of onions. Try non to set them all in one topographic point either. Last of all dispersed.75oz of rancid pick as best you can over the whole thing. Roll the tortilla carefully, doing certain the ingredients wear? t autumn out. Fold the bottom upward. You are officially finished doing your first burrito! It may take a little more clip to do than Taco Bell, but it tastes the same and can be done for much cheaper! Use this formula clip and clip once more and you will ever hold a good burrito. Enjoy!