Themes Navi

Sep 28, 2017 - 34 minute read

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We had made several acquisitions, and investors were still asking themselves whether we could integrate and operate them effectively. Over the past 5 years, though, I think weve built up sufficient credibility that we have earned the right to pursue our long-term strategy. And I think thats part of whats created the increase in shareholder value that weve seen.

Cognizant Technology Solutions Corp.a software-services and data-warehousing provider in Teaneck, New Jersey, did even better with an annualized TSR of 62 capitec bank south africa personal loans. Over the past five years, it grew its sales from 178 million to 1. 4 billion and increased earnings more than 10-fold.

It has no debt on its balance sheet, only just announced its first stock-buyback program, and has limited its acquisitions in recent years to small, strategic buys - companies that could expand its geographic reach into a new niche or provide access to technologies or industry knowledge.

Capitec bank south africa personal loans

How Do I Qualify for a Conventional Loan. Without the backing of the government, conventional loan borrowers pose a bigger risk to the institutions who issue the mortgage.

As such, borrowers must meet three basic requirements. Make a sizeable down payment. The standard down payment for a conventional loan is anywhere between 3 and 25 percent of a home's value depending on the borrower's credit and financial condition.

For example, a 100,000 home could require a 20,000 down payment. However, depending on a lender's unique specifications, a borrower may be able to put down as little as 3 percent at closing.

Just keep in mind, this option is typically only available to those who meet additional requirements, like being a first-time homebuyer. Remember, with a larger down payment, homeowners also enjoy immediate equity in their home.

Capitec bank south africa personal loans

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