Indian banks do not differentiate between a person with low credential rating and people with good financial records .There are no difference because both pay the same interest. In case, corporate customers are judged on the basis of credit rating given by organizations like CIBIL. Even though those corporates who have higher chance of creating NPA for the banks pay the same rate as individuals (with good record). This is because, in retail lending, Indian banks don’t follow developed countries' practices, where customers are charged differently on the basis of their credit ratings. On the contrary, they don’t give loan below a certain limit. Therefore, any one below that limit is refused of loan so there are no chances of different interest rates.

To read more:

http://www.businessinsider.in/retail-lending-indian-Banks/articleshow/52008213.cms

Investment in real estate plays a vital part in an investment portfolio. People tend to diversify their portfolios and real estate investment provides valuable diversification. There are certain risks associated in real estate investment. It is cash intensive, time consuming and vulnerable due to fluctuating interest rates. Investors should learn from past market scenarios and know when to make the right choices. Real estate offers direct ownership unlike other assets. Private real estate deals are popular among investors as risk of sole ownership can be avoided. Another option for investors is real estate investor trusts (REIT). REIT’s are usually publicly traded companies investing in real estate through purchasing properties. Risks include cost and tax implications and declining net asset values of REITs’ in case of rising interest rates.  To know more, please follow:

http://www.dailyfinance.com/2015/05/22/real-estate-investments-risks/

According to the World Bank report, there is a fall in the growth rate of developing countries like East Asia and China. According to the Washington-based lender, growth in China is going to be 6.7% in 2015 and 2016 from 6.9% growth in 2014.  And according to the World Bank, developing East Asia countries excluding China is expected to grow at 5.1% in 2015 and 5.4% in 2016 from 4.6% in 2014. Reason for China, is slow down in its policies that aimed at putting its economy in a more sustainable way.  And higher US interest rates and an appreciating US dollar may raise borrowing costs. Read more at:

 http://www.moneycontrol.com/news/world-news/world-bank-cuts-east-asia-growth-forecast-warnsrisks-to-outlook_1355974.html?utm_source=ref_article