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FFS-First Financial Services

FFS is a Loan providing Financial Supermarket frequented by Entrepreneurs, Industrialists and Executives from around the world.

LOAN PRODUCTS SERVICES

  • NPA-NON PERFORMING ASSETS

    NON PERFORMING ASSETS

    Are loans taken by customers from banks for business purposes.But when the unpaid instalements accumulate  after 3 months it becomes non performing assets  NPA- on the books of banks.But they are liable to pay this dues with interest and penality and if

    These clients are not provided anymore loan facilities by any bank.they fail the assets will be auctioned as the banking and securatization law.

    Our new product ” NPA solutions” restructure the oustanding loans and provide new loans on top,provided the customer has strong evidence to establish credit worthiness,asset base and repaying sources and adequate bandwidth for further borrowing.

    We can restructure the liabilities and re-engineer future business programmes if the client has a business plan.

  • PROJECT LOANS

    EDUCATIONAL INSTITUTIONS

    Existing profit making Schools and educational Institutions professionally managed with good accounting practices can be provided loans for expansion

    WORKING CAPITAL-SMALL AND MEDIUM ENTREPRISES LOOKING FOR WORKING CAPITAL ON ADEQUATE SECURITY …..

    -WASTE TO ENERGY  w2e     (Biogas, Biofuel etc, etc)

    -All form of Energy projects (with the exception of Windpower & Small Solar Parks)

    -OIL REFINERIES- Energy projects may include funding for Oil refineries,

    -MININIG-Mining in gold, iron ore, quarries for Granite etc with clear project report with all environmental clearence can also be considered

    -HOUSING-  All forms of Housing Developments – minimum 300 houses per project please

    -RESORTS with Marinas and/or Casinos and Villas excellent locations with beach access  

    -CONDOS -All forms of Condominiums and Hotel developments in prime locations in major cities

    -MALLS-SUPERMARKETS Mixed used developments, Department Stores-Condominiums-Hotels etc.

    -MINERAL WATER PROJECTS -

    -AGRICULTURAL  PROJECTS -All forms of Agriculture Projects (Food-Water-Processing etc)

    -   AQUA  &   HORTICULTURE & All forms of Aqua & Horticulture Projects 

    AVIATION & SHIPPING

    Image result for aviation industry growth
    Image result for aviation industry growthImage result for aviation industry growthImage result for aviation industry growth

    Aviation Industry is witnessing a big leap in the International Markets .Manufactures are investing in new technologies which is likely to change the face of the Industry.

    The airline industry has long struggled with margins, but the current growth phase in most markets, coupled with evolving technology and customer preferences, offers a real opportunity. By adopting the measures , carriers can forge better relationships with customers, cut costs selectively, and improve their financial performance in a sustainable way — either alone or with the right set of partners.

    FFS can source funds from Indian and International markets and can entertain enquiries.

    These are a broad spectrum of target markets.However, you are  free to recommend projects which are  profit oriented .We will review all projects recommended and let you know our feed back in 24 to 48 hrs.

    SHIPPING INDUSTRY

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    Announcement:

    Moody’s: Stable outlook for global shipping reflects modest EBITDA growth, low fuel prices, cost cuts

    Global Credit Research – 12 May 2015

    Tokyo, May 12, 2015 — Moody’s Japan K.K. says the outlook for the global shipping industry over the next 12-18 months is stable.

     

    “Moody’s-rated shipping companies should report aggregate year-over-year EBITDA growth of around 5%-7% over the next 12 to 18 months. Our expectation indicates a stable outlook for the industry over the same period,” says Mariko Semetko, a Moody’s Vice President and Senior Analyst.

     

    “Despite weak freight rates, EBITDA growth will be supported by continued operating efficiencies and cost reductions; the latter we expect will be driven largely by low fuel prices,” adds Semetko.

     

    Moody’s analysis is contained in its just-released report titled “Shipping — Global: Stable Outlook Reflects Modest EBITDA Growth as Costs Decline,” and is authored by Semetko.

     

    Moody’s report points out that fuel accounts for a large portion of shipping company expenses and is therefore a key driver of earnings. For example, fuel accounts for about a quarter of the shipping expenses for Nippon Yusen Kabushiki Kaisha (Baa2 negative), Mitsui O.S.K. Lines, Ltd (Baa3 review for downgrade) and Kawasaki Kisen Kaisha, Ltd (Ba2 stable).

     

    Moody’s report says bunker prices should stay low in 2015 and rise only modestly in 2016, given the ongoing weakness in crude oil prices and the correlation between crude and bunker prices.

     

    Moody’s report also says that while all four main shipping segments — dry bulk, crude oil tankers, product tankers and containers — carry stable outlooks, not all four will exhibit equal levels of supply-demand imbalance. Moody’s is more positive about the outlook for the tanker segment and least positive about the outlook for the dry bulk segment.

     

    Moody’s explains that demand will slightly outpace supply in the tanker segment, because historically low prices have boosted demand for tankers to be used as storage for oil. Stockpiling oil for strategic reserves and oil-trading companies storing oil in tankers have caused freight rates to rise, and Moody’s expects that tankers will see earnings growth in 2015 including for this reason.

     

    By contrast, the supply growth for dry bulk ships will exceed demand growth in 2015-16, because of weaker macroeconomic conditions particularly in China. The oversupply situation will keep freight rates low over the next 12-18 months and constrain revenue and EBITDA growth for the dry bulk segment.

     

    Moody’s report concludes by saying that downside risks for the industry as a whole remain high. Moody’s would consider changing the outlook for the industry back to negative if there are signs that shipping supply growth will exceed demand growth by more than 2%, or that aggregate EBITDA will fall by more than 5% year-over-year.

     

    On the other hand, Moody’s would consider changing the outlook for the industry to positive if the oversupply situation for vessels improves materially and aggregate year-over-year EBITDA growth appears likely to exceed 10%.

     

    Subscribers can access the report at http://www.moodys.com/viewresearchdoc.aspx?docid=PBC_1004675

     

    NOTE TO JOURNALISTS ONLY: For more information, please call one of our global press information hotlines: New York +1-212-553-0376, London +44-20-7772-5456, Tokyo +813-5408-4110, Hong Kong +852-3758-1350, Sydney +61-2-9270-8141, Mexico City 001-888-779-5833, São Paulo 0800-891-2518, or Buenos Aires 0800-666-3506. You can also email us at mediarelations@moodys.com or visit our web site at www.moodys.com.

    This publication does not announce a credit rating action. For any credit ratings referenced in this publication, please see the ratings tab on the issuer/entity page on www.moodys.com for the most updated credit rating action information and rating history.

     

    Mariko Semetko
    Vice President – Senior Analyst
    Corporate Finance Group
    Moody’s Japan K.K.
    Atago Green Hills Mori Tower 20fl
    2-5-1 Atago, Minato-ku
    Tokyo 105-6220
    Japan
    JOURNALISTS: 813-5408-4110
    SUBSCRIBERS: 813-5408-4100

    Ian Lewis
    Associate Managing Director
    Corporate Finance Group
    JOURNALISTS: 813-5408-4110
    SUBSCRIBERS: 813-5408-4100

    Releasing Office:
    Moody’s Japan K.K.
    Atago Green Hills Mori Tower 20fl
    2-5-1 Atago, Minato-ku
    Tokyo 105-6220
    Japan
    JOURNALISTS: 813-5408-4110
    SUBSCRIBERS: 813-5408-4100

    © 2015 Moody’s Corporation, Moody’s Investors Service, Inc., Moody’s Analytics, Inc. and/or their licensors and affiliates (collectively, “MOODY’S”). All rights reserved.CREDIT RATINGS ISSUED BY MOODY’S INVESTORS SERVICE, INC. AND ITS RATINGS AFFILIATES (“MIS”) ARE MOODY’S CURRENT OPINIONS OF THE RELATIVE FUTURE CREDIT RISK OF ENTITIES, CREDIT COMMITMENTS, OR DEBT OR DEBT-LIKE SECURITIES, AND CREDIT RATINGS AND RESEARCH PUBLICATIONS PUBLISHED BY MOODY’S (“MOODY’S PUBLICATIONS”) MAY INCLUDE MOODY’S CURRENT OPINIONS OF THE RELATIVE FUTURE CREDIT RISK OF ENTITIES, CREDIT COMMITMENTS, OR DEBT OR DEBT-LIKE SECURITIES. MOODY’S DEFINES CREDIT RISK AS THE RISK THAT AN ENTITY MAY NOT MEET ITS CONTRACTUAL, FINANCIAL OBLIGATIONS AS THEY COME DUE AND ANY ESTIMATED FINANCIAL LOSS IN THE EVENT OF DEFAULT. CREDIT RATINGS DO NOT ADDRESS ANY OTHER RISK, INCLUDING BUT NOT LIMITED TO: LIQUIDITY RISK, MARKET VALUE RISK, OR PRICE VOLATILITY. CREDIT RATINGS AND MOODY’S OPINIONS INCLUDED IN MOODY’S PUBLICATIONS ARE NOT STATEMENTS OF CURRENT OR HISTORICAL FACT. MOODY’S PUBLICATIONS MAY ALSO INCLUDE QUANTITATIVE MODEL-BASED ESTIMATES OF CREDIT RISK AND RELATED OPINIONS OR COMMENTARY PUBLISHED BY MOODY’S ANALYTICS, INC. CREDIT RATINGS AND MOODY’S PUBLICATIONS DO NOT CONSTITUTE OR PROVIDE INVESTMENT OR FINANCIAL ADVICE, AND CREDIT RATINGS AND MOODY’S PUBLICATIONS ARE NOT AND DO NOT PROVIDE RECOMMENDATIONS TO PURCHASE, SELL, OR HOLD PARTICULAR SECURITIES. NEITHER CREDIT RATINGS NOR MOODY’S PUBLICATIONS COMMENT ON THE SUITABILITY OF AN INVESTMENT FOR ANY PARTICULAR INVESTOR. MOODY’S ISSUES ITS CREDIT RATINGS AND PUBLISHES MOODY’S PUBLICATIONS WITH THE EXPECTATION AND UNDERSTANDING THAT EACH INVESTOR WILL, WITH DUE CARE, MAKE ITS OWN STUDY AND EVALUATION OF EACH SECURITY THAT IS UNDER CONSIDERATION FOR PURCHASE, HOLDING, OR SALE.MOODY’S CREDIT RATINGS AND MOODY’S PUBLICATIONS ARE NOT INTENDED FOR USE BY RETAIL INVESTORS AND IT WOULD BE RECKLESS FOR RETAIL INVESTORS TO CONSIDER MOODY’S CREDIT RATINGS OR MOODY’S PUBLICATIONS IN MAKING ANY INVESTMENT DECISION. IF IN DOUBT YOU SHOULD CONTACT YOUR FINANCIAL OR OTHER PROFESSIONAL ADVISER.ALL INFORMATION CONTAINED HEREIN IS PROTECTED BY LAW, INCLUDING BUT NOT LIMITED TO, COPYRIGHT LAW, AND NONE OF SUCH INFORMATION MAY BE COPIED OR OTHERWISE REPRODUCED, REPACKAGED, FURTHER TRANSMITTED, TRANSFERRED, DISSEMINATED, REDISTRIBUTED OR RESOLD, OR STORED FOR SUBSEQUENT USE FOR ANY SUCH PURPOSE, IN WHOLE OR IN PART, IN ANY FORM OR MANNER OR BY ANY MEANS WHATSOEVER, BY ANY PERSON WITHOUT MOODY’S PRIOR WRITTEN CONSENT.

    All information contained herein is obtained by MOODY’S from sources believed by it to be accurate and reliable. Because of the possibility of human or mechanical error as well as other factors, however, all information contained herein is provided “AS IS” without warranty of any kind. MOODY’S adopts all necessary measures so that the information it uses in assigning a credit rating is of sufficient quality and from sources MOODY’S considers to be reliable including, when appropriate, independent third-party sources. However, MOODY’S is not an auditor and cannot in every instance independently verify or validate information received in the rating process or in preparing the Moody’s Publications.

    To the extent permitted by law, MOODY’S and its directors, officers, employees, agents, representatives, licensors and suppliers disclaim liability to any person or entity for any indirect, special, consequential, or incidental losses or damages whatsoever arising from or in connection with the information contained herein or the use of or inability to use any such information, even if MOODY’S or any of its directors, officers, employees, agents, representatives, licensors or suppliers is advised in advance of the possibility of such losses or damages, including but not limited to: (a) any loss of present or prospective profits or (b) any loss or damage arising where the relevant financial instrument is not the subject of a particular credit rating assigned by MOODY’S.

    To the extent permitted by law, MOODY’S and its directors, officers, employees, agents, representatives, licensors and suppliers disclaim liability for any direct or compensatory losses or damages caused to any person or entity, including but not limited to by any negligence (but excluding fraud, willful misconduct or any other type of liability that, for the avoidance of doubt, by law cannot be excluded) on the part of, or any contingency within or beyond the control of, MOODY’S or any of its directors, officers, employees, agents, representatives, licensors or suppliers, arising from or in connection with the information contained herein or the use of or inability to use any such information.

    NO WARRANTY, EXPRESS OR IMPLIED, AS TO THE ACCURACY, TIMELINESS, COMPLETENESS, MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR PURPOSE OF ANY SUCH RATING OR OTHER OPINION OR INFORMATION IS GIVEN OR MADE BY MOODY’S IN ANY FORM OR MANNER WHATSOEVER.

    Moody’s Investors Service, Inc., a wholly-owned credit rating agency subsidiary of Moody’s Corporation (“MCO”), hereby discloses that most issuers of debt securities (including corporate and municipal bonds, debentures, notes and commercial paper) and preferred stock rated by Moody’s Investors Service, Inc. have, prior to assignment of any rating, agreed to pay to Moody’s Investors Service, Inc. for appraisal and rating services rendered by it fees ranging from $1,500 to approximately $2,500,000. MCO and MIS also maintain policies and procedures to address the independence of MIS’s ratings and rating processes. Information regarding certain affiliations that may exist between directors of MCO and rated entities, and between entities who hold ratings from MIS and have also publicly reported to the SEC an ownership interest in MCO of more than 5%, is posted annually at www.moodys.com under the heading “Investor Relations — Corporate Governance — Director and Shareholder Affiliation Policy.”

    For Australia only: Any publication into Australia of this document is pursuant to the Australian Financial Services License of MOODY’S affiliate, Moody’s Investors Service Pty Limited ABN 61 003 399 657AFSL 336969 and/or Moody’s Analytics Australia Pty Ltd ABN 94 105 136 972 AFSL 383569 (as applicable). This document is intended to be provided only to “wholesale clients” within the meaning of section 761G of the Corporations Act 2001. By continuing to access this document from within Australia, you represent to MOODY’S that you are, or are accessing the document as a representative of, a “wholesale client” and that neither you nor the entity you represent will directly or indirectly disseminate this document or its contents to “retail clients” within the meaning of section 761G of the Corporations Act 2001. MOODY’S credit rating is an opinion as to the creditworthiness of a debt obligation of the issuer, not on the equity securities of the issuer or any form of security that is available to retail clients. It would be dangerous for “retail clients” to make any investment decision based on MOODY’S credit rating. If in doubt you should contact your financial or other professional adviser.

    For Japan only: MOODY’S Japan K.K. (“MJKK”) is a wholly-owned credit rating agency subsidiary of MOODY’S Group Japan G.K., which is wholly-owned by Moody’s Overseas Holdings Inc., a wholly-owned subsidiary of MCO. Moody’s SF Japan K.K. (“MSFJ”) is a wholly-owned credit rating agency subsidiary of MJKK. MSFJ is not a Nationally Recognized Statistical Rating Organization (“NRSRO”). Therefore, credit ratings assigned by MSFJ are Non-NRSRO Credit Ratings. Non-NRSRO Credit Ratings are assigned by an entity that is not a NRSRO and, consequently, the rated obligation will not qualify for certain types of treatment under U.S. laws. MJKK and MSFJ are credit rating agencies registered with the Japan Financial Services Agency and their registration numbers are FSA Commissioner (Ratings) No. 2 and 3 respectively.

    MJKK or MSFJ (as applicable) hereby disclose that most issuers of debt securities (including corporate and municipal bonds, debentures, notes and commercial paper) and preferred stock rated by MJKK or MSFJ (as applicable) have, prior to assignment of any rating, agreed to pay to MJKK or MSFJ (as applicable) for appraisal and rating services rendered by it fees ranging from JPY200,000 to approximately JPY350,000,000.
    MJKK and MSFJ also maintain policies and procedures to address Japanese regulatory requirements.

    If your project type is missing from the above, please do contact us. We are always open to important & exciting new projects in whatever field. However, no public listed companies, only private company projects please. 

     

  • LOAN AGAINST PROPERTY

    Your house is built on  your sweat  and in many cases  be  worth several  crores. But it doesn’t give any income or return. On the contrary it eats away lot of money again  on its routine  maintenance.

    Its called a non performing assets ( NPA) as its not giving any return or profit. Money should make more money or its like keeping all your moneys in a Safety vault

    Liquidate a portion of this NPA house by raising loan  and invest in one of the best blue chips stocks and shares or buy  a piece of land. invest in other avenues that offers better returns. While the house is safe at your disposal .Eg: Invest in properties, gold etc which recent years have shown a pioneering performance. We are in a better position to help you when think of a Loan against Property LAP.

  • Home repair Renovation loan

     Loans you can now renovate your home in India for a more comfortable environment and a better quality of living.

    This renovation loan facilitates internal and external repairs and other structural improvements like Painting, Waterproofing and Roofing, Plumbing and Electrical Works, Tiling and Flooring, Grills, Aluminum Windows compound walls and much more.

     

    • Purpose
    • MODULAR KITCHEN
    • Furnishing
    • External repairs
    • Tiling and flooring
    • Internal and external painting
    • Plumbing and electrical work
    • Waterproofing and roofing
    • Grills and aluminum windows
    • Waterproofing on terrace
    • Construction of underground/overhead water tank
    • Paving of compound wall (with stone/tile/etc.)
    • Borewell
    • Maximum Loan Amount
      Existing Customer

    Loan Amount

    Maximum Funding*

    Upto Rs 75 lacs

    100% (subject to loan/ total exposure not exceeding 80% of the market value of the property as assessed by HDFC)

    Above Rs 75 lacs

    100% (subject to loan/total exposure not exceeding 75% of the market value of the property as assessed by HDFC)

    • * Subject to valuation of the property as assessed by HDFC and repayment capacity of the individual as assessed by HDFC

      New Customer

    Loan Amount

    Maximum Funding*

    Upto Rs 75 lacs

    80%

    Above Rs 75 lacs

    75%

    • * Subject to valuation of the property as assessed by HDFC and repayment capacity of the individual as assessed by HDFC
    • Maximum Term
      15 years subject to your retirement age.
    • Applicant and Co- Applicant to the loan
      Home Loans can be applied for either individually or jointly. Proposed owners of the property, will have to be co-applicants. However, the co-applicants need not be co- owners.
    • Adjustable Rate Home Loan
      Loan under Adjustable Rate is linked to HDFC’s Retail Prime Lending Rate (RPLR). The rate on your loan will be revised every three months from the date of first disbursement, if there is a change in RPLR, the interest rate on your loan may change. However, the EMI on the home loan disbursed will not change*. If the interest rate increases, the interest component in an EMI will increase and the principal component will reduce resulting in an extension of term of the loan, and vice versa when the interest rate decreases.
      * Conditions Apply

     

    Interest Rate
    Salaried and Self-employed professionals :

     

    Wef : 1st December, 2013

    RPLR: 16.75%

     

    Loan Slabs

    Applicable Variable rates %
    ( Monthly Rest Basis )

    Basis : RPLR minus Spread

    Upto and including Rs 30 lacs

    10.50% to 11.00%

    RPLR – 6.25 to – 5.75

    Over Rs. 30 lacs

    10.75% to 11.25%

    RPLR – 6.00 to – 5.50

    Self-employed non-professionals :

     

    Wef : 1st December, 2013

    RPLR: 16.75%

     

     

    Loan Slabs

    Applicable Variable rates %
    ( Monthly Rest Basis )

    Basis : RPLR minus Spread

    Upto and including Rs 30 lacs

    10.50% to 11.00%

    RPLR – 6.25 to – 5.75

    Rs 30.01 lacs to Rs 3.00 Cr.

    10.75% to 11.25%

    RPLR – 6.00 to – 5.50

    Rs 3.01 Cr. to Rs 5.00 Cr.

    11.00% to 11.50%

    RPLR – 5.75 to – 5.25

    Rs 5.01 Cr. And above

    11.25% to 11.75%

    RPLR – 5.50 to – 5.00

     

    The above rates are subject to change without notice.

  • LOAN FOR HOUSING / FLAT /CONSTRUCTION

    If your wish is to buy a house or flat we shall arrange the fund immediately at the lowest interest rate anywhere in India.

  • LOAN TO BUY A PLOT

    If your wish is to buy a plot of land or to build a home in the plot of land we shall arrange the fund-call us immediately

  • PERSONAL LOAN

    Approved employees from all establishments in India and overseas can avail *subject rules, will be eligible for loan up to 30 lacs or more

  • NRI LOAN

    If you are working overseas and your house and landed properties worth crores lying idle take a loan and build another home or add one floor to it and lease it out or buy another property .May be your business needs a boost and you need additional funds to pump in .FFS will arrange the funds. You too can be qualified for a personal loan provided you produce your income proof

  • GOLD LOAN

    Many elites are shy to pawn gold and take funds due to social stigma. We can arrange these gold loans in strict confidentiality and instantly at lowest rate of interest.

  • LOAN FOR FOREIGN TOURS & TRAVELS

    Could be a cherished wish for you and your better halves to go on a foreign trip. If what stops you from fulfilling this desire is the money, then probably, we can help you