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READ THE FINE PRINT [Times Property]: Homebuyers should read over every detail of their loan agreement before applying for one

by Interest spread clause Banks charge a spread over the MCLR which usually remains constant throughout the loan However there may be a reset clause that allows the lender to reset the spread of the loan between 25 to 75 bps However at times there maybe special offers or discounts which brings down the spread, a change in the spread can change the rate of interest at which you repay the loan So you should pay attention to when the lender could revise the spread, under what conditionsPrepayment clauseMost banks, HFCs cannot impose any penalties on prepayment However there may be certain other conditions governing prepayment such as the number of prepayments you can make in a year or even throughout the loan period the minimum amount you can prepay etcClauses allowing amendments to the agreementSuch clauses give the lender the power to unilaterally alter the terms of the agreement The borrower must ensure that their written consent is required to alter any of the terms of the loan agreementClauses on defaultDefault generally means not paying your EMI However the term can have other meanings such as any civil or criminal offence on the borrower death of the borrower divorce of the coapplicants of the loan or even default on any other loan taken by the borrower Understand these terms carefullySecurity cover clauseIn case the value of your property falls you may be liable to pay an additional security amount against your outstanding home loan amount It is advisable to go through this clause thoroughly as it can have a major impact on your finances
Published in The Times of India (Online) (31.05.2024)
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Newspaper Article

Farewell and Welcome

by Dr Robert Coleman member of the editorial board of OB/GYN Clinical Alert since 2004 been elected as the next President of the Society of Gynecologic Oncologists Congratulations to Rob as he takes over this important leadership role Unfortunately for us additional duties have made it difficult to keep up with his editorial work Dr Coleman has decided to step down with this month’s commentary His insights into the complex epidemiology, treatment of gynecologic cancer will be missed Please join me is wishing him well with his SGO Presidency, research, his, clinical activities We will miss you Welcome Molly Brewer our newest Associate Editor Dr Brewer is Professor of Gynecologic Oncology, Chair of the Department of OB/GYN at the University of Connecticut She completed her residency training in OB/GYN at OHSU, her oncology fellowship at MD Anderson In addition to her interest in women’s cancer has considerable expertise, interest in medical education Please join me in welcoming her to the editorial board of OB/GYN Clinical Alert A Farewell Message It is with mixed emotions that I announce my departure from OB/GYN Clinical Alert In serving as section contributor of gynecologic oncology for more than 10 years have truly enjoyed the outlet for reporting important scientific works that this periodical affords It is unique, nimble in its format provides an opportunity to rapidly discuss important topics from the literature through data synthesis, context by clinical commentary I equally enjoyed reading the contributions of my co-contributors in each issue what goes on in the world of obstetrics, gynecology outside of oncology Unfortunately commitments from my expanding administrative, leadership responsibilities to our professional organization Society of Gynecologic Oncology caused me to reduce my regular efforts to the Alert While I am excited to embark on this next iteration of professional development will miss the collegiality of the editorial team, my co-contributors However know I leave the publication in the very capable hands of my good friend, colleague Molly Brewer Molly is one of the smartest, most insightful people I know, I look forward to her stewardship of the oncology section I would also like to commend the professionalism, kindness of the editorial team, my many co-contributors over the years — it’s been an honor to server with you, I wish you the best of success RLC
Published in OB/GYN clinical alert (01.04.2015)
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Journal Article

Crimes against the application of justice. Comparative study: the previous Romanian criminal code and the new Romanian criminal code

by application, Crimes against the, study, of justice Comparative, criminal, the previous Romanian, criminal, the new Romanian, Duvac, Constantin, regulation, In the new, the, the crimes against, are, application of justice, distinct, provided in a, to, title in order, due, give the importance, representing, to this authority, 3, one of those, state, powers of the, public, not only a, activity, interest, terminology, In terms of, "Crimes, the terms of, of, preventing the application, by, justice" was replaced, against, that of "Crimes, justice", the application of, been, as it has, in, rightly pointed out, literature, the specialty, justice, the application of, actually, is not always, crimes, prevented by these, them, as certain of, this, do not have, the, the deceit of, the, judicial bodies in, version, standard, generate, however they may, danger, a state of, the, The number of, crimes, accusations regarding the, of, against the application, 16, justice increased from, the, art 259-272 of, 1968, Criminal Code of, texts, to 23, the, art 266-288 of, Code, new Criminal, primarily, This increase is, introduction, due to the, accusations, of certain new, justice, the obstruction of, the, the revenge, justice, assistance provided to, justice, pressures on, interests, compromise of the, justice, of, hearing, breach of the, assistance, disloyal, the, as compared to, regulation, applicable, taking, secondly to the, amendments, over with certain, from, of certain accusations, laws, the special, court, non-observance of the, abetting, the crime of, as, which was classified, patrimony, a crime against, Code, in the Criminal, 1968, of, introduced, has also been, title, in this, pdf, DOWNLOAD FULL ARTICLE
Published in Criminal Law Review (Romanian Association of Penal Sciences) (01.07.2014)
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