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» GLAS.N0000 (PIRAMAL GLASS CEYLON PLC)
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» අනං මනං! #/+?.<>
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» අනිසි ලෙස කොටස් මිල හැසිර වූ ආයෝජකයින් දෙදෙනෙකුට සුරැකුම්පත් කොමිසමෙන් නඩු
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» අද වෙන්දේසියේ දී බිල්පත් පොළිය පහළට.
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» SERV - The Kingsbury
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» TPL.N0000 (TALAWAKALE PLANTATIONS )
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» Life After Google
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» S&P ශ්‍රී ලංකා 20 දර්ශකයේ වෙනසක්. CTC, NTB, රිචඩ් පීරිස් සහ ටෝක්යෝ සිමෙන්ති ඉවතට
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» Future of Tea Industry
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» Cricket !
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» DIPD.N0000 (Dipped Products)
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» DOCK.N0000 (COLOMBO DOCKYARD PLC)
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» මිල සූත්‍රය වැරදුණාද, වැරැද්දුවාද?
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» Happy Father's Day !
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» DPL.N0000 (Dankotuwa Porcelain PLC)
SAMPATH BANK (SAMP.N : LKR256.00)------Softlogic Equity Research EmptySun Jun 16, 2019 7:12 am by NIRMALSG

» Re: Financial reports Q1-2019
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» SEYB.N0000 ( SEYLAN BANK PLC )
SAMPATH BANK (SAMP.N : LKR256.00)------Softlogic Equity Research EmptyThu Jun 13, 2019 8:11 pm by ruwan326

» NTB.N0000 (NATIONS TRUST BANK PLC)
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» PABC.N0000 (Pan Asia Banking Corporation PLC)
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Post by CSE.SAS on Tue Nov 17, 2015 12:25 pm

Click the below link to download the Report of SAMPATH BANK (SAMP.N : LKR256.00)------Softlogic Equity Research

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Post by balapas on Wed Nov 18, 2015 4:04 pm

They have sent letters to most loan holders saying cost of funds have increased so the interest rate will increase by 1%. These guys are a joke in this way.

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Post by කිත්සිරි ද සිල්වා on Wed Nov 18, 2015 4:51 pm

Unless the interest rates have been taken as flexible and not fixed ?
balapas wrote:They have sent letters to most loan holders saying cost of funds have increased so the interest rate will increase by 1%. These guys are a joke in this way.

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Post by balapas on Wed Nov 18, 2015 5:15 pm

කිත්සිරි ද සිල්වා wrote:Unless the interest rates have been taken as flexible and not fixed ?
balapas wrote:They have sent letters to most loan holders saying cost of funds have increased so the interest rate will increase by 1%. These guys are a joke in this way.

This is for the fixed rate term loans. Unless its an unavoidable circumstances to increase I see this as a mean to show higher returns for coming quarters. Those who know ppl should dispute this and get it reversed.

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Post by කිත්සිරි ද සිල්වා on Wed Nov 18, 2015 5:20 pm

Looks very unethical.
(Although I hold SAMP in my Pf).
balapas wrote:
කිත්සිරි ද සිල්වා wrote:Unless the interest rates have been taken as flexible and not fixed ?
balapas wrote:They have sent letters to most loan holders saying cost of funds have increased so the interest rate will increase by 1%. These guys are a joke in this way.
This is for the fixed rate term loans. Unless its an unavoidable circumstances to increase I see this as a mean to show higher returns for coming quarters. Those who know ppl should dispute this and get it reversed.

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Post by First Guy on Thu Nov 19, 2015 8:23 am

That is quite surprising balapas. Are you sure about that?

But there are many who plead with the bank to reduce their fixed rate when the rates go down and the bank eventually reduces a bit in fear of them taking a cheaper loan from another bank and settling it.
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Post by serene on Thu Nov 19, 2015 8:48 am

First Guy wrote:That is quite surprising balapas. Are you sure about that?

But there are many who plead with the bank to reduce their fixed rate when the rates go down and the bank eventually reduces a bit in fear of them taking a cheaper loan from another bank and settling it.

In the first place why there are two schemes of flexible and fixed interest rates Shocked Shocked
And also mind you we are not witnessed drastic change in interest rates in the market.
If this is true consequenses should be much much worse for the bank.
I still believe they cant do such to a person who took a fixed rate loan unless otherwise there is a Jilmart in the agreement.

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Post by balapas on Thu Nov 19, 2015 9:23 am

I saw one of the agreements since a cousin of my wife had taken a professional loans. They marketed a loan scheme for professionals at 10% beginning of year. So after 7 months they want to increase. I believe these funds are already matched by the treasury to avoid risk and should not be increased. Seems like some jilmart. If cost of funds have increased and interest rate has to increase its a floating rate loan. How can it apply to a fixed rate loan. However dealing with banks is like dealing with the known devil so should be able to dispute it. Lesser the finance knowledge easier to push these schemes

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Post by Top Trader on Thu Nov 19, 2015 10:32 am

balapas wrote:
කිත්සිරි ද සිල්වා wrote:Unless the interest rates have been taken as flexible and not fixed ?
balapas wrote:They have sent letters to most loan holders saying cost of funds have increased so the interest rate will increase by 1%. These guys are a joke in this way.

This is for the fixed rate term loans. Unless its an unavoidable circumstances to increase I see this as a mean to show higher returns for coming quarters. Those who know ppl should dispute this and get it reversed.

Carefully go through the Offer Letter / Loan Agreement, if it is fixed for the full term of the loan without any review conditions, they can't increase the rate.

If still they increase 01st you can complain to the Financial Ombudsman, web add is given below

[You must be registered and logged in to see this link.]

If you are not satisfied with his decision, you can take legal action as well

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Post by කිත්සිරි ද සිල්වා on Thu Nov 19, 2015 1:22 pm

Thanks TT. Very Happy
Top Trader wrote:
balapas wrote:
කිත්සිරි ද සිල්වා wrote:Unless the interest rates have been taken as flexible and not fixed ?
balapas wrote:They have sent letters to most loan holders saying cost of funds have increased so the interest rate will increase by 1%. These guys are a joke in this way.

This is for the fixed rate term loans. Unless its an unavoidable circumstances to increase I see this as a mean to show higher returns for coming quarters. Those who know ppl should dispute this and get it reversed.

Carefully go through the Offer Letter / Loan Agreement, if it is fixed for the full term of the loan without any review conditions, they can't increase the rate.

If still they increase 01st you can complain to the Financial Ombudsman, web add is given below

[You must be registered and logged in to see this link.]

If you are not satisfied with his decision, you can take legal action as well

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Post by කිත්සිරි ද සිල්වා on Sun Mar 13, 2016 6:55 pm

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