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Bitcoins

  • What payment methods do you accept ?
    • We accept Bitcoin, Perfect Money and Bank Transfer. We never charge any fees for the transactions through Bitcoin system. If you prefer to deposit via bank wire (Minimum wire transfer deposit is $10,000.) Please contact our customer support department to get your sending instructions. Funds will be credited to your account in approximately 3 to 7 days depending on when your bank processes the transfer.

  • What is Bitcoin and how can I use it ?
    • What is Bitcoin and how can I use it ? A. Bitcoin is a digital currency. Just like countries use national currencies, Internet users can use digital currencies. One of these digital currency systems is Bitcoin. It is not well understood by the general population and is still considered an experimental system, but using it for simple tasks like making a single transaction is quite straightforward, as detailed below.

      Creating your Bitcoin digital wallet

      Download and install the latest Bitcoin client from http://bitcoin.org

      Transferring Bitcoins to your wallet

      There are online exchangers that facilitate the exchange of fiat and bitcoins. Online exchanges accept domestic or international wires and then proceed to sell your standard currency and buy Bitcoin. Please check https://bitcoin.org/en/exchanges and https://www.bitcoin.com/buy-bitcoin for a list of exchangers.

      Sending money to another Bitcoin user

      So you have bitcoins on your computer now. How do you send them to other people? Simple, all you need is their Bitcoin address. Ask them for it, check their web page etc- you're looking after a bitcoin address that looks similar to yours (a long string of random characters). Once you have the address you want to send the bitcoins to, click the "Send coins" button in the bitcoin application, enter the amount and address, and click "Send". That's it, the money has been transferred!

  • How can I buy and sell Bitcoin?

loan

  • How much can I borrow?
    • Ashford loans come in all shapes and sizes. You can apply for a personal loan between £20,000 and £500,000 over a variety of rates and terms or a business loan between £50,000 to £100,000,000 over a variety of rates and terms. You are welcome to apply for a loan of any amount, but your approval will be dependent on credit and affordability checks. If you are not approved for the amount you originally applied for, we may be able to offer you a smaller loan instead.
      Pick a loan product here

  • How will my loan be funded?
    • We work hard to offer you fast loan funding. Typically, your personal or business loan will be deposited in your account as soon as the next business day once your application is approved..

  • How does the process work?
    • After you submit your application you will know immediately if you may be eligible for a loan.
      Next, we’ll generate a loan agreement with all the details, including (but not limited to) interest rate, number of payments, payment amount, fees and total cost of loan for you to review.
      Once you submit your loan agreement for our approval, our team will work quickly to verify key details and process your loan. As soon as your loan is approved, we’ll send a request to your bank to deposit your funds, unless you choose payment by check. We always aim for fast loan funding typically by the next business day.**

Privacy

  • What is financial planning?
    • Financial planning is the process of seeking to meet your life goals through the proper management of your finances. Financial planning helps you make advance provision for financial needs that will arise in the future. The objective of financial planning is to ensure that the right amount of money is available in the right hands at the right point in the future to achieve an individual's life goals.

  • Why should I make a financial plan?
    • Financial planning provides direction and meaning to your financial decisions. It allows you to understand how each financial decision you make affects other areas of your finances. For example, buying a particular investment product might help you save adequately to finance your child's higher education or it may provide enough for a comfortable retirement. You can also adapt more easily to life changes and feel more secure that your goals are on track.

  • Who is a financial planner?
    • A financial planner is someone who uses the financial planning process to help you determine how to meet your life goals. The key function of a financial planner is to help people identify their financial planning needs, their present priorities and the products that are most suitable to meet their needs. He or she normally possesses detailed knowledge of a wide range of financial planning tools and products, but his major role is to help clients choose the best products for each need. The planner can take a 'big picture' view of your financial situation and make financial planning recommendations that are right for you.

Major Question

  • Am I eligible for an Ashford loan? ?
    • To be eligible to apply for an Ashford loan, you must be at least 18 years old. You must also have a net income of at least £500 per month. Get your application started by clicking here to be taken to our application form.

  • How to apply?
    • Click on 'Apply Now'
      OR Send an email to enquires@alnlimited.com ,
      Walk into Ashford Finance Limited office in U.K
      95 Ashford Avenue, Hayes, UB4 0NB, UK

  • Any fee applicable?
    • Ashford loan is free and Ashford does not require applicants who are U.K residents to pay any fee but this is not applicable to international customers who are first-time applicant.
      First-time applicants who are non-U.K resident are required to pay security interest fee or provide a valid surety bond after loan has been approved.
      Security Interest fee is refundable after final loan repayment.

  • What is security interest fee?
    • A monetary collateral that has been pledged, usually to repay a loan when defaulted. The borrower provides the lender with a security interest in monetary assets that can be repossessed to pay off the loan if the borrower stops making loan payment.
      The lender can then use the security interest fee to pay off the loan . Granting a security interest is the norm for loans such as auto loans, business loan , house loan and personal loan.
      Security interest fee is refundable when borrower finishes loan repayment without owing lender.

  • Any other fee outside security interest fee?
    • No! there are no fees. Once loan has been approved , loan agreement has been signed between Ashford and borrower and security intereat fee has been paid then loan would be transferred to borrower the next business day without no further delay .

  • Why do you need my income information or paystub?
    • The laws and our eligibility requirements in some states require us to receive documentation that verifies your income. We can only accept this documentation via secured encrypted mail.

  • Can a foreigner apply for a loan ?
    • Yes they can, Ashford loan and investment programs are available to customers in our own country U.K and beyond; that includes E.U , North America, South America , Canada Australia and Asia countries.

Mutual Fund

  • What is mutual fund?
    • A Mutual Fund is a trust that pools the savings of a number of investors who share a common financial goal. It is essentially a diversified portfolio of financial instruments - these could be equities, debentures / bonds or money market instruments. The corpus of the fund is then deployed in investment alternatives that help to meet predefined investment objectives. The income earned through these investments and the capital appreciation realised are shared by its unit holders in proportion to the number of units owned by them. Thus a Mutual Fund is a suitable investment for the common man as it offers an opportunity to invest in a diversified, professionally managed basket of securities at a relatively low cost.

  • What are the benefits of investing in a mutual fund?
    • The benefits of investing in mutual funds are as follows -

      Access to professional money managers - Your money is managed by experienced fund managers using advanced scientific and mathematical techniques.

      Diversification -Mutual funds aim to reduce the volatility of returns through diversification by investing in a number of companies across a broad section of industries and sectors. It prevents an investor from putting "all eggs in one basket". This inherently minimizes risk. Thus with a small investible surplus an investor can achieve diversification that would have otherwise not been possible.

      Liquidity - Open-ended mutual funds are priced daily and are always willing to buy back units from investors. This mean that investors can sell their holdings in mutual fund investments anytime without worrying about finding a buyer at the right price. In the case of other investment avenues such as stocks and bonds, buyers are not necessarily available and therefore these investment avenues are less liquid compared to open-ended schemes of mutual funds.

      Tax Efficiency*

      Equity Funds

      Currently, dividends are tax-free in the hands of the investor. There is no distribution tax payable by a Mutual Fund on dividends distributed. There is no tax deduction at source on dividends as well. Investments for over 12 months qualify for long-term capital gains, which are currently, exempt from tax. Moreover for investors there is no TDS on redemption of the units in case they are “resident” under the Indian Income Tax Act, 1961(“the Act”). Securities Transaction Tax is applicable on redemption of equity fund investments.

      Debt Funds

      Currently, dividends are tax-free in the hands of the investor. However, there is distribution tax together with surcharge and education cess, as may be applicable, payable by the Mutual Fund on dividends distributed. There is no tax deduction at source on dividends as well. Investments for over 12 months qualify for long-term capital gains. For investors there is no TDS on redemption of the units in case they are “resident” under the Indian Income Tax Act, 1961(“the Act”).

      *This information is general in nature and investors should seek appropriate legal advice in their own case.

      Low transaction costs - Since mutual funds are a pool of money of many investors, the amount of investment made in securities is large. This therefore results in paying lower brokerage due to economies of scale.

      Transparency - Prices of open ended mutual funds are declared daily. Regular updates on the value of your investment are available. The portfolio is also disclosed regularly with the fund manager's investment strategy and outlook.

      Well-regulated industry - All the mutual funds are registered with SEBI and they function under strict regulations designed to protect the interests of investors.

      Convenience of small investments: Under normal circumstances, an individual investor would not be able to diversify his investments (and thus minimize risk) across a wide array of securities due to the small size of his investments and inherently higher transaction costs. A mutual fund on the other hand allows even individual investors to hold a diversified array of securities due to the fact that it invests in a portfolio of stocks. A mutual fund therefore permits risk diversification without an investor having to invest large amounts of money.

      Types of Mutual Funds

      Mutual fund schemes may be classified on the basis of their structure and their investment objective

      By Structure

      Open-ended Funds

      An Open-ended Fund is one that is available for subscription all through the year. These do not have a fixed maturity. Investors can conveniently buy and sell units at Net Asset Value (NAV) related prices.

      Close-ended Funds

      A Close-ended Fund has a stipulated maturity period, which generally ranges from 3 to 15 years. The fund is open for subscription only during a specified period. Investors can invest in the scheme at the time of the initial public issue and thereafter they can buy or sell the units of the scheme on the Stock Exchanges, if they are listed. The market price at the stock exchange could vary from the scheme's NAV on account of demand and supply situation, unit holders' expectations and other market factors.

      By Investment Objective

      Growth Funds

      The aim of growth funds is to provide capital appreciation over the medium to long term. Such schemes normally invest a majority of their corpus in equities. Growth schemes are ideal for investors who have a long-term outlook and are seeking growth over a period of time.

      Income Funds

      The aim of Income Funds is to provide regular and steady income to investors. Such schemes generally invest in fixed income securities such as bonds, corporate debentures and Government securities.

      Income Funds are ideal for capital stability and regular income. Capital appreciation in such funds may be limited, though risks are typically lower than that in a growth fund.

      Balanced Funds

      The aim of Balanced Funds is to provide both growth and regular income. Such schemes periodically distribute a part of their earning and invest both in equities and fixed income securities in the proportion indicated in their offer documents. This proportion affects the risks and the returns associated with the balanced fund - in case equities are allocated a higher proportion, investors would be exposed to risks similar to that of the equity market.

      Balanced funds with equal allocation to equities and fixed income securities are ideal for investors looking for a combination of income and moderate growth.

      Money Market Funds

      The aim of Money Market Funds is to provide easy liquidity, preservation of capital and moderate income. These schemes generally invest in safer short-term instruments such as Treasury Bills, Certificates of Deposit, Commercial Paper and Inter-Bank Call Money. Returns on these schemes may fluctuate depending upon the interest rates prevailing in the market.

      These are ideal for corporate and individual investors as a means to park their surplus funds for short periods.

      Other Equity Related Schemes

      Tax Saving Schemes

      These schemes offer tax rebates to investors under specific provisions of the Indian Income Tax laws, as the Government offers tax incentives for investments in specified avenues. Investors are advised to consult their financial advisors for more details.

      Index Schemes

      Index Funds attempt to replicate the performance of a particular index such as the BSE Sensex or the NSE S&P CNX 50.

      Sectoral Schemes

      Sectoral Funds are those which invest exclusively in specified sector(s) such as FMCG, Information Technology, Pharmaceuticals, etc. These schemes carry higher risk as compared to general equity schemes as the portfolio is less diversified, i.e. restricted to specific sector(s) / industry (ies).

      .

  • What is redemption price?
    • Redemption price is the price received by the customer on selling units of an open-ended scheme to the fund. If the fund does not levy an exit load, the redemption price will be same as the NAV. The redemption price will be lower than the NAV in case the fund levies an exit load.