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Finance Philosophy and HistoryThe term finance was introduced when people started utilizing their money in a way that in return benefit both lender and the borrower. The concept is quite simple but it has explored many options for people to make business in and out using the wiser finance strategies. It later covered articles like credit, debt, accounts, finance including car finance that generally known as auto finance, house building finance, home finance and many other aspects in especially banking sector with great exposure to ROI.House Building Finance House building finance is one of the most advanced forms of finance offered by the Banks and other Financial Institutions that provides affordable housing solutions to low and middle income groups to encourage new construction and improved living standards. Finance and Banking Banks are financial intermediaries that accept deposits and lend money to support economic conditions of country and general consumer. Banks offers variety of Home finance, Care Finance, Small medium enterprise loans to support small business and small investors. Credit Card Another important product offered by a Bank is smart card or credit card, which is actually a plastic card with a magnetic strip or an embedded microchip, connected to a credit account and issued by the bank to the account holders who can use this use it to buy goods or services. Credit card users can make purchases from those stores or merchants that accept this card. Significance of Loan in our LivesLoan is another major factor that determines the best definition of assistance to others in pretty right way. Like finance, loans are the pillars to business sector which is involved in either banking or kind of financing. The idea of loan is the same as of finance but the concept may differ in some way that finance may be a trade of money and material whereas the loan is generally a money in return of money.Auto Loan/ Car Finance Car Finance is the greatest assistance for consumers who can hardly afford to pay for one upfront to purchase a Car. People can possess this asset with a smart idea of car finance that let them to have a car with secure payments and easy installments. There are many Banks, Financial Institutions, and online Service Providers offering Car finance facility to enhance there business and to support the general consumers. Banks are the most sophisticated and convenient source for auto financing because their process is simple and rates are quite competitive. Bank rates are evenly distributed over reasonable intervals of time. Home Loan Home loans used to purchase property. Home loans are secured by home or some other property and just referred to as a mortgage or a home loan. Home loans can be given to the investors and general consumers as well. Business Loan Business loans are provided to the business by the Banks, individuals, Organization and Financial Institutions to start or enhance the business or particular sector of economy. In fact by this loan, any sort of business can be promoted in the country and employment opportunities can be created for the population. Payday Loan Payday loans are short term loan facility provided by the banks to meet the short term expenses of the individuals and that must be payback with in a short period mostly with in a day. Payday loan is an advance amount that is transferred in the individuals, bank account and as the term of the loan come to an end this loan amount is withdrawn form the bank account of the individuals. 
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