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LOANS, INTERNATIONAL PROJECT FINANCE, BG, SBLC, DLC

Monthly Archives: October 2015

Hong Kong still has the world’s priciest office rents

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Rents are rocketing up to USD255.5 psf per year.

Knight Frank’s Skyscraper Index reveals that in Q2 2015, Hong Kong, at US$255.50 per sq ft per year, retains the title of the most expensive place in the world to rent office space in a tower building.

According to a release from Knight Frank, meanwhile, London (10.7%) and San Francisco (8.2%) are seeing the fastest rental growth for high-rise offices in the six months to June 2015, reflecting a buoyant occupier market in gateway cities.

Despite the uncertainties in the stock markets and the devaluation of the RMB, Thomas Lam, Senior Director, Head of Valuation & Consultancy, Knight Frank expects Hong Kong to continue to enjoy moderate rental growth with sustained demand from Mainland Chinese companies.

In 2015, around 40-50% of new lettings in Central involve Chinese firms. Meanwhile, Central’s office buildings are aging, with more than 50% of the district’s Grade-A offices being over 25 years old. For some of them, the need for renovation is seen.

Together with the shortage of new Grade-A offices in Central, such renovation will lead to a long-term impact to the district’s Grade-A office supply. Overall vacancy rates in Hong Kong decrease to 1.7% in September, and Central’s vacancy rate was as low as 1.4%, close to the historic low of 2008.

Here’s more from Knight Frank:

Hong Kong will still have the lowest prime yields (2.9%) among 20 global cities in the world by the end of 2015 as office property prices surged in previous years.
Looking ahead, Thomas Lam expects rents in Central will increase no more than 5% in 2016 and rents will slightly drop 0-5% in Kowloon East with abundant new supply in the pipeline.

Despite the concentration of quality stock and attractive rents in Kowloon East, we believe CBD2 cannot replace Central in the short term because only some firms or operations prefer relocating to Kowloon East. In the long term, the emerging CBDs will serve as complements, rather than direct competitors, to Central.

As some significant projects like CBD2, redevelopment of Wan Chai government offices have already been put in place to provide new office space, Knight Frank research shows that, Hong Kong is likely to face a shortage of office space of around 2 million sq ft (equivalent to an office tower of a comparable size to Two IFC) by 2020.

Thomas Lam remains positive about the long-term outlook for premium and Grade-A office buildings in the city, due to sustained long-term demand boosted by the Mutual Fund Recognition Scheme.


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Debt threat: Indonesian banks’ profits pressured by rising bad debts and slowing economy

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Bank Negara Indonesia’s gross NPL ratio rose to 2.8% for the first nine months of 2015.

According to SNL Financial, Indonesia’s GDP expanded 4.67% in the second quarter from a year earlier, the slowest pace since 2009, as the resources-rich nation faces headwinds from low commodity prices and a slump in China, Indonesia’s largest trading partner. The World Bank in October cut its 2015 and 2016 growth projections for Indonesia.

Here’s more from SNL Financial:

Worsening economic conditions are translating into challenges for banks, putting pressure on their asset quality. The industrywide nonperforming loan ratio hit 2.6% as of the end of May, as the mining and commodity sectors struggle, Fitch Ratings said in September. Still, nine Indonesian lenders covered by the rating agency have enough loss-absorption cushions for now, Fitch said at that time.

PT Bank Negara Indonesia (Persero) Tbk’s latest results may be an indicator of what is to come. The fourth-biggest Indonesian bank by assets on Oct. 15 reported a 21.2% year-over-year drop in net income for the nine months through September, with the gross NPL ratio rising to 2.8% at the end of the period from 2.2% 12 months earlier, and with provisioning surging 93.6%.

Although the bank’s third-quarter net profit came in above expectations, bad debt will likely continue to increase if macroeconomic circumstances remain challenging, with its NPL coverage ratio rising to 145% by the end of 2015 from 123.4% a year earlier, Teguh Hartanto, an analyst at PT Bahana Securities, said in an Oct. 16 note.

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BG/SBLC Monetization Experts

Loan and Investments Limited Experts in the Monetization of Bank Guarantees (BG) and Standby Letters of Credit (SBLC) and other Financial Instruments.

We have direct relationships with some of the worlds top prime banks and Monetizers who offer a complete range of Non Recourse and Recourse programs.

BGs and SBLCs can be Monetized for:

  • Cash
  • Placed into Trade Programs (PPP Private Placement Programs)
  • or a Hybrid of Immediate Cash and funds in a Trade Program.
lease bg
BG and SBLCs that can be Monetized include:
  • Top 25 Bank BG and SBLC
  • Rated and Unrated banks
  • Instruments with a Value OVER 5 Million Dollars
  • BG & SBLC MUST have at least 10 months prior to expiry
  •  
  • Monetization typically takes 10 days and returns are between 50% and 90% Non Recourse (depending on the BG and SBLC Type)
 
 

 If you need Loan, project funding, Bank Guarantee, SBLC, DLC or Letters of Credit please contact us immediately.

Brokers are paid good commission on each successful transaction so if you want to work for our company as a broker, agent or mandate please contact us for more information.

Loan and Investments Difference

At Loan and Investments Ltd we are 100% Different, we value your time and get straight to the point. Some companies will talk your ear off, we prefer to be solely focused on results and helping you bank them. We have a large network of service providers which gives us the unique ability to create outcomes others can’t.

When it comes to funding and monetization, getting to the finish line is all that counts and that’s what we excel in.

So if you need Loan, project funding, Bank Guarantee, SBLC, DLC or Letters of Credit please contact us immediately. 
 
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Brokers are paid good commission on each successful transaction so if you want to work for our company as a broker, agent or mandate please contact us for more information.

FREE Bank Guarantees – No Money Down

Once upon a time in a city far far away a lonely man with no money decided it would be fun to start a rumor…. He had played the game of Chinese Whispers before and thought it would be a great joke if he told everyone that…… You could get Free Bank Guarantees, without paying any money until the BG was delivered to the funder.

Free BG

Free BG

In a daring moment the lonely man spread the rumor to all his friends, within weeks everyone was talking about how you could get Bank Guarantees worth Millions of Dollars for FREE, without ANY Money Upfront, Free Bank Guarantees. The news spread like wildfire as desperate people latched on to the hope of a pipe dream that was started as a lie and was in fact 100% Untrue the entire time!

The Sad Reality is our industry is full of people that believe the fairy tale that Bank Guarantees can be obtained with NO MONEY UPFRONT. The fact is they can’t! They never have been able to be purchased for free and they never will be! ALL banks especially Top 25 banks charge fees to create and transmit the Bank Guarantee to a Funder. NO BANK will do that for free! No Bank will take the risk on a transaction for the customer. NONE!

If the bank is not paid, no Bank Guarantee will EVER get sent. And if the customer (you) are not paying for the bank guarantee to be sent…. then it wont be sent and no deal will ever be concluded! You can be absolutely sure that NO BG ISSUER is going to pay the bank fees for you, why would they? If they own the BG and they pay the Bank Fees as well, why do they need you as the customer? They may as well transmit the BG to the Funder themselves and keep all the profit for themselves. Why would they share a cent with a client who has put up no money and taken no risk?

Free BG

Free BG

Its just a bad joke that people believe the free BG fairy tale! Regrettably so many people are busy believing the “I can get a Bank Guarantee with No Upfront Fees Lie” that they waste hundreds of hours each year trying to find the Gold at the end of the Rainbow that DOES NOT EXIST & NEVER HAS EXISTED!

Our $1,000 Reward Offer

We will pay any client $1,000 who can show us documented evidence of all stages of a BG Transaction being Issued, Funded and over 1 Million Dollars being paid to the clients account with the client putting No Money Upfront. Yes thats right, we will pay any client who has transacted a deal $1,000 if they can show us accurate, factual, irrefutable documentary proof that they have completed the funding of ANY BG transaction (must be a recent transaction of no more than 3 months old) with ANY rated bank and banked a profit of over 1 million dollars.

Please, I beg you, prove us wrong! If there are hundreds of people doing Bank Guarantee Deals for Free…. and there should be because everyone is talking about it…… then come take our $1,000 money!

IMPORTANT NOTE – As of the date you are reading this article…. NOT ONE SINGLE PERSON has EVER come forward with ANY evidence EVER that ANY one has EVER completed a Bank Guarantee Deal for FREE!

The truth is this….. too many people have been scammed out of Upfront Fee Money, and as a result of having a bad experience those same people made up an investment rule up in their mind that they would now only enter a transaction if they did not have to risk any money or put any money up front. This effectively created a rule that prevents them from having ANY success or EVER completing ANY BG transaction because without money paid upfront to cover the bank costs, NO deal will ever get concluded!

Try going to your local airline and telling the airline i need you to fly me across the country for free and when i get to my destination i will pay you then! See how many plane rides you can take….. NONE! Freeloaders get Nowhere!

The problem with most people is they haven’t thought through their own logic, they are so caught up in the greed and dream of making millions of dollars from nothing that they have never considered the possibility that they are believing in a lie. There are no free lunches in life, there certainly are no free million dollar lunches in life, if you don’t pay for it you don’t get it, its that simple. You get what you pay for, pay nothing, get nothing. Its the most fundamental economic principle and Bank Guarantees are operating in the centre of the economic world.

If free Bank Guarantees were a reality….. There wont be any poor man in the world today. infact Every homeless person in the world today would be doing BG deals every week.

But FREE Bank Guarantees are not a reality, they are a fairy tale, a legend promoted by poor people to live on the hope of a dream to get rich from nothing. You have more chance of buying a lottery ticket and winning the lottery than ever completing a BG Deal for free. At least with the lottery ticket you paid the money to receive the chance.

With BGs, if you don’t pay to play, you will never get your money day. Thats the simple truth. 

If you need Loan, project funding, Bank Guarantee, SBLC, DLC or Letters of Credit please contact us immediately. 
 
Skype: loanandinvestments


Brokers are paid good commission on each successful transaction so if you want to work for our company as a broker, agent or mandate please contact us for more information.

American Pride to Pacific Northwest

Most river cruisers travel in Europe and Asia, but American Cruise Lines — the largest operator of small ships in the U.S. — is sending a second ship to the Pacific Northwest.

American Pride will be joining Queen of the West to sail the Columbia and Snake rivers next year.

The repositioning of American Pride is the latest in growth and expansion of this cruise company. The 150-passenger ship, built only three years ago, has been the leading cruise ship on the Mississippi River. To meet the high demand for cruising on the Columbia and Snake rivers, this authentic paddle wheeler was re-named and will offer 7-to-10-day cruises, beginning April 2.

The American Pride will be replaced on the Mississippi next year by the larger America, currently being completed at Chesapeake Shipbuilding in Salisbury, Maryland.

American’s reputation — according to the cruise line —rests on its service and attention to guests. Chefs source local ingredients, and programs are led by experts in the fields of history, nature and culture, sharing their knowledge and passion for the region’s best-kept treasures.

The American Pride will boast the largest staterooms on the Columbia and the Snake. All suites offer expansive views (from anywhere within the stateroom) of the Columbia River Gorge’s lush landscapes, volcanic Mount St. Helens and brilliance of Multnomah Falls, on the route pioneered by Lewis and Clark over 200 years ago. There’s an abundant selection of all-inclusive onboard features: finely styled mahogany clad lounges, complimentary cocktail hours and locally celebrated musicians.

If you need Loan, project funding, Bank Guarantee, SBLC, DLC or Letters of Credit please contact us immediately. 
 
Skype: loanandinvestments


Brokers are paid good commission on each successful transaction so if you want to work for our company as a broker, agent or mandate please contact us for more information.

Typhoon Koppu could dump nearly a meter of rain on the northern Philippines

Typhoon Koppu slammed into the Philippines with formidable winds this weekend—reaching 240 kph (150 mph) before landfall—but weather experts say the rain, not the wind, is the main worry.

The storm (known locally as Typhoon Lando) has already dumped massive amounts of rain on Luzon, the nation’s main northern island and home to nearly half its population of 98 million people. The death toll has been minimal, but with the exceptional rains expected to rage on for several more days, the risk of flash floods and mudslides is growing by the hour and over 16,000 have been evacuated so far.

The heavy rains are widespread across the island, including in Cabanatuan, a city in central Luzon:

Oct. 19 in Cabanatuan city, northern Manila.Improvised transport in Cabanatuan city, on Oct. 19.

 

Crossing a bridge in Cabanatuan city on Oct. 19.Crossing a bridge in Cabanatuan city on Oct. 19.

A flooded street in Cabanatuan city on Oct. 19.A flooded street in Cabanatuan city on Oct. 19.

Thousands of villages have fled their homes, wary of a repeat of previous typhoons. In 2009 more 460 people died from severe flooding and mudslides in the city of Baguio and other parts of northwestern Luzon. That’s when Typhoon Parma (known locally at Typhoon Pepeng) dumped 1,854 milliliters (73 inches) on the area.

Baguio, a high-elevation city of about 320,000, is getting especially walloped. As of earlyMonday (Oct. 19) morning, it had received 208.3 millimeters (8.2 inches) of rainfall, with 610 millimeters more possible in the coming days, even as the storm is weakening.

Some 15 to 20 million people live in the area of northern Luzon north of Manila, many of them in cities with steep hillsides or flood-prone rivers, and in some cases both. Many roads have already been flooded, and millions of people have suffered power outages.

Floods in Manila, one of the world’s most densely populated cities, are also a worry. Parts of the capital look oddly naked without road-side billboards, many of which were taken down ahead of the typhoon’s arrival.

Public warning systems have been greatly improved since 2013, when Super Typhoon Haiyan killed more than 6,300 people.

If you need Loan, project funding, Bank Guarantee, SBLC, DLC or Letters of Credit please contact us immediately. 
 
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Brokers are paid good commission on each successful transaction so if you want to work for our company as a broker, agent or mandate please contact us for more information.

China’s latest GDP figure is pretty weak, but that doesn’t make it any more believable

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China’s National Bureau of Statistics released the country’s third quarter GDP growth rate today, and at 6.9% it was the lowest quarterly growth the country has clocked in more than six years, or since the first quarter of 2009.

Slowing GDP growth is part of China’s transition to a “new normal” of domestic consumption-led growth, and a quarterly number under the annual growth target of 7% was expected by analysts, investors, and governments. What’s interesting about today’s announcement is the open skepticism with which the rest of the world is greeting even this weak figure, which, after all, still beat analysts’ estimates of 6.8%.While China’s government-supported Shanghai Composite Index traded up all morning on the news, after an initial bump most stock indices fellin Japan, South Korea, Hong Kong, Singapore, and Taiwan. After lunch even the Shanghai Composite Index headed south.
Market analysts, journalists, and fund managers took to social media, news outlets, and issued reports questioning the figures.
As one analyst from London’s IG Group, a spread betting firm, writes:
The 6.9% Q3 GDP print really just makes one question the veracity of both the Q2 and Q3 numbers. It’s hard to be overly optimistic about the headline number, especially given the range of other data released today.

A policy researcher for NSBO, the Beijing research house, told Reuters:

The GDP beat is surprising, given that the monthly FAI and industrial production figures slowed considerably, and much faster than expected.

The data would suggest that retail sales is holding up the data and there are other areas that the government is factoring in consumption and services data that are not picked up in the monthly figures.

An economist from Capital Economics said figures were overstating growth by a “wide margin” and explained (via the Wall Street Journal):

The continued stability of the official GDP figures will further cement concerns over their credibility. Flaws with how the GDP deflator is calculated, along with political pressure to meet growth targets that have become increasingly at risk, have meant that official growth rates have not slowed nearly as quickly as most third party measures of growth in recent years.

Others were less circumspect, like this economics professor:

China has long been accused of massaging its official economic numbers, and particularly its GDP figures, in order to hit pre-announced growth targets. But the number of outside observers in the finance industry who are questioning the figures has been growing in recent quarters, as the country’s slowdown increases.

Along with GDP, China released data on “nominal GDP”—which adjusts GDP to strip out the effects of inflation— and industrial production. Here figures were downright bad, with nominal GDP growing 6.2%, and industrial production growing 5.7% in September, missing analysts estimates of 6%.

If you need Loan, project funding, Bank Guarantee, SBLC, DLC or Letters of Credit please contact us immediately. 
 
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Brokers are paid good commission on each successful transaction so if you want to work for our company as a broker, agent or mandate please contact us for more information.

Tunisia exports the highest number of ISIL fighters of any country in the world

Tunisia is where the Arab Spring began. And of all the countries enveloped in the revolutions that followed, it is the only one where hopes of a democratic future remain strong. Just last week, the Nobel committee awarded the Tunisia’s National Dialogue Quartet this year’s peace prize, commending the group for “decisive contribution to the building of a pluralistic democracy in Tunisia in the wake of the Jasmine Revolution of 2011.”

But the forces of democracy in the country are being challenged by darker elements in their midst. Tunisia has been troubled by repeated terror attacks this year, and is now believed to contribute the highest number of fighters for Islamist terror group ISIL.

According to the latest data from the US House Homeland Security Committee, of the 25,000 fighters thought to be working for ISIL in Iraq and Syria, 5000 are Tunisian.

The government sees ideological militancy among its citizens as an issue of national concern. “The fight against terrorism is a national responsibility,” Habib Essid, the country’s prime minister said after a local beach resort was attacked by a gunman in June. “We are at war against terrorism which represents a serious danger to national unity during this delicate period that the nation is going through.”

This delicate period, while it has opened up the democratic space, has not eased the economic challenges the country is facing, which analysts say has created an opening for ISIL to exploit.

Four years after the revolution Tunisia’s economy is contracting. After 2.3% growth in 2014, the World Bank and IMF project GDP growth for this year at a measly 1%. Overall unemployment is at 15.2%. And for university graduates, unemployment is even worse at a staggering 34%, estimates the African Development Bank (AfDB).

All these factors have created deep disillusionment about post-revolutionary Tunisia. And ISIL recruiters have exploited this air of dissatisfaction to devastating effect, luring young people to their cause. They offer monthly salaries of up $2,000 and the promise of a life of meaning, fighting to correct injustice as epitomized by the Bashar Assad regime in Syria. Where jobs are scarce and those who can find them earn meager wages of $100 a month, what ISIL is offering has proved to be a compelling alternative.

If you need Loan, project funding, Bank Guarantee, SBLC, DLC or Letters of Credit please contact us immediately. 
 
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Brokers are paid good commission on each successful transaction so if you want to work for our company as a broker, agent or mandate please contact us for more information.

Petrobras has a powerful ally as it sorts out its financial mess

Petroleo Brasileiro, Brazil’s troubled energy company, is getting the cold shoulder from financial markets as it struggles to overcome a costly corruption scandal and low oil prices.

On Oct. 15, the company said it was postponing an offer to sell $790 million of debentures because of “adverse conditions in the Brazilian capital markets,” the New York Times reports. A century bond Petrobras offered in June, its previous foray into the capital markets, has since plummeted in value as investors worry about the company’s financial health.

But one supporter staunchly remains by Petrobras’s side: China.

On Oct. 13, the company said it reached a deal with a unit of Industrial and Commercial Bank of China to lease two offshore platforms for $2 billion. Another Chinese agency, China Development Bank Corp., had already agreed to lend Petrobras another $5 billion in May.

The $7 billion from those agreements would cover only a fraction of Petrobras’s total debt, which is around $130 billion, per Fitch Ratings’ analyst Lucas Aristizabal.

China has long been interested in Brazil, first as a bountiful source of raw materials to power economic growth in the mainland, but more recently as a market for the services and products of its domestic companies.

From 2005 to 2014, China committed $22 billion to fund a variety of projects in Brazil, according to a database compiled by Inter-American Dialogue and Boston University’s Global Economic Governance Initiative.

Brazil’s economic and political turmoil has not scared China away. The two countries signed another 35 deals when Chinese premier Li Keqiang visited Brazil in May, according to Eurasia Group.

As economic growth slows down at home, finding business opportunities abroad has become even more important for Chinese leaders, Margaret Myers, who studies China’s activities in Latin America at Inter-American Dialogue, told Quartz.

“It’s a long-term strategy,” said Myers. “China is in Latin America to stay.”

If you need Loan, project funding, Bank Guarantee, SBLC, DLC or Letters of Credit please contact us immediately. 
 
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Brokers are paid good commission on each successful transaction so if you want to work for our company as a broker, agent or mandate please contact us for more information.