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  • Loan Amount- Upto Rs. 10 Crore
  • Interest Rate: 8.25% onwards
  • Loan Tenure: Upto 30 years
  • Processing Fees: Upto 0.50% of loan amount

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I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :21/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CIBIL TERMS AND
CONDITIONS

To,
TransUnion CIBIL Limited
[Formerly known as Credit Information Bureau (India) Limited]
One Indiabulls building ,Unit No 1901 – 1905,
19th Floor, Tower 2A-2B, Jupiter Mill compound,
Senapati Bapat Marg, Lower Parel, Mumbai 400 013

Sub: Grant of Consent

Dear Sirs,

In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Paisabazaar (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

A. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.

B. I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.

C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.

D. I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL

E. I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company.

F. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Paisabazaar authorizing Paisabazaar to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Paisabazaar to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Paisabazaar to obtain my Consumer Credit Information.

G. I understand that in order to deliver the product to me, I hereby authorize Paisabazaar, to obtain my Consumer Credit Information from TUCL.

H. By submitting this registration form, I understand that I am providing an express adhoc one-time written instructions for Paisabazaar to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Paisabazaar account. I further authorize Paisabazaar to retain a copy of my information for use in accordance with the terms of use of this service, Paisabazaar’s Terms of Use and Privacy Policy.

I. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

J. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Company . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.

K. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.

Yours faithfully,
Name :

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :21/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EQUIFAX TERMS AND
CONDITIONS

I Mr./Ms. -------------------- ---------------------residing at ------------------------ ---------------------------------------- do hereby authorise Paisabazaar Team ,to do all acts on my behalf as may be necessary including to execute/sign application(s), make payment of applicable fees* and generally to all other acts as may be necessary to receive, on my behalf and at my request, my Credit Information Report (CIR) from Equifax Credit Information Services Private Limited("Equifax") at the following address/email id:

I hereby confirm that all the powers hereby conferred may be exercised by officer(s) or manager(s) / agent(s) / employees of the Paisabazaar who is duly authorized by the Paisabazaar.

I hereby confirm, agree, undertake and accept that I shall at all times be solely responsible for all the above actions and omissions of the Paisabazaar shall be binding on me as though such actions had been carried out by me directly. I further confirm that my CIR shall be used only for the purpose as mentioned in the attached standard terms and conditions and I shall be solely liable for, and indemnify and hold harmless Equifax for and against, any and all third party claims or damages or proceedings of any kind, arising from or in connection with (a) any misrepresentations, incorrect information or omission of any critical information in my application, or (b) furnishing my CIR based on this authorization letter, and shall not at any time hold Equifax or its affiliates and their respective officers, directors, employees or representatives liable in this respect.

I hereby also confirm that I have only appointed Paisabazaar to be my authorized agent/representative for collection of my CIR.

I undertake to keep Equifax intimated and informed at all times, of any renewals or termination of the authorization to Paisabazaar or any amendments, modifications or changes in the terms governing the obligations or my relationship with Paisabazaar.

I shall at all times co-operate with Equifax and execute and deliver to Equifax such instruments and documents and take such other actions as may be required by Equifax from time to time in connection with this authority letter.

By signing on this authorization letter, I hereby acknowledge and accept the Standard Terms and Conditions mentioned above.

Date : 21/01/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :21/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EXPERIAN TERMS AND
CONDITIONS

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM EXPERIAN.

YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND PAISABAZAAR AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU HEREBY ALSO AGREE AND ACKNOWLEDGE THAT FOR PAISABAZAAR TO SERVICE YOU AS A CUSTOMER, THE CREDIT INFORMATION SHALL BE SHARED BY EXPERIAN WITH YOU AND PAISABAZAAR ON A MONTHLY BASIS. YOU FURTHER ALSO AGREE AND CONSENT TO RECEIVE SUCH CREDIT INFORMATION DIRECTLY FROM EXPERIAN AND ALSO THROUGH YOUR PAISABAZAAR ACCOUNT AS PER YOUR INDEPENDENT REGISTRATION WITH PAISABAZAAR.

Please read the Terms and Conditions of this document carefully before accepting. By clicking on the "I ACCEPT" button below, you are expressly agreeing to access the Experian Credit Information Report and Credit Score (as defined in the Important Information Section below) (together referred as "Credit Information") and share a copy of the Credit Information with Paisabazaar in the "as is" format. Please click on the link below to read and understand the Important Information section below.

** This document is an electronic record in terms of the Information Technology Act, 2000 and Rules made there under, and the amended provisions pertaining to electronic records.

Information Collection, Use, Confidentiality, No-Disclosure and Data Purging

PAISABAZAAR/ We/ Us can only access your Credit Information as your authorized representative and we shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from us on the Website. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

We shall protect and keep confidential the Credit information both online and offline and use best in class security measures in line with applicable laws. The Credit Information shared by You, or received on your behalf shall be destroyed, purged, erased promptly upon the earlier of: (i) your written request to terminate this relationship with Paisabazaar (ii) the completion of provision of the Services by us to you.

Governing Law and Jurisdiction The relationship between you and the Parties shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of [Mumbai].

Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
"Credit Information Report" means the credit information / scores / aggregates / variables or reports which shall be generated by Experian;
"Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by Experian.
"CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
PLEASE READ THE ABOVE MENTIONED IMPORTANT INFORMATION AND CLICK ON "ACCEPT" FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH YOU AND PAISABAZAAR, IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE.
BY CLICKING "ACCEPT" YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN. THE TERMS AND CONDITIONS MENTIONED HEREIN MAY CHANGE IN ORDER TO COMPLY WITH GOVERNING LAWS OF THE COUNTRY AND THE CONSUMER SHALL BE BOUND TO ANY CHANGES TO THIS AGREEMENT

Name :
Date : 21/01/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :21/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CRIF HIGH MARK TERMS
AND CONDITIONS

This End User Agreement (the "Agreement") is made between you (the "User" or "You") and Paisabazaar Marketing and Consulting Pvt Ltd ("PaisaBazaar"), a private limited company having its registered office at Plot No 119, Sector-44, Gurgaon-122001, Haryana ("PAISABAZAAR", "Us" or "We", which term shall include its successors and permitted assigns). The User and PAISABAZAAR shall be collectively referred to as the "Parties" and individually as a "Party".

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM CRIF HIGH MARK. BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE CRIF HIGH MARK CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW)(TOGETHER REFERRED AS "CREDIT INFORMATION"). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY CRIF HIGH MARK TO YOU AND PAISABAZAAR BY USING CRIF HIGH MARK TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU ALSO ACKNOWLEDGE THAT YOU SHALL NOT RAISE ANY CLAIM OR HOLD LIABLE CRIF HIGH MARK CREDIT INFORMATION SERVICES PRIVATE LIMITED IN RELATION TO YOUR CREDIT INFORMATION REPORT AND CREDIT SCORE PROVIDED OR TO BE PROVIDED BY CRIF HIGH MARK TO PAISABAZAAR.

Terms and Conditions: Information Collection, Use, Confidentiality, No-Disclosure and Data Purging PAISABAZAAR shall access your Credit Information as your authorized representative and PAISABAZAAR shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from PAISABAZAAR. PAISABAZAAR shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

The Parties agree to protect and keep confidential the Credit Information both online and offline. The Credit Information shared by you, or received on by us on your behalf shall be destroyed, purged, erased promptly upon request from the consumer or the consumer withdrawing the consent to retain such credit information / reports by deleting/deactivating the consumers account with Paisabazaar.

Governing Law and Jurisdiction Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
" Business Day" means a day (other than a public holiday) on which banks are open for general business in Gurgaon and Mumbai.
" Credit Information Report" means the credit information / scores/ aggregates / variables / inferences or reports which shall be generated by CRIF High Mark;
" Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by CRIF High Mark.
" CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
IN CASE THERE IS ANY DISCREPANCY OR INABILITY IN COMPLETION OF ONLINE AUTHENTICATION, PLEASE SUBMIT YOUR SELF ATTESTED KYC DOCUMENTATION IN SCANNED COPIES FOR SHARING OF YOUR CREDIT INFORMATION BY CRIF HIGH MARK WITH YOU AND PAISABAZAAR (YOUR AUTHORISED REPRESENTATIVE).
ONLINE SUBMISSION - DOES NOT REQUIRE SIGNATURE AND EXECUTION"

Name :
Date :21/01/2020

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Updated: 06-01-2020 12:20:13 PM

IDBI (Industrial Development Bank of India) is one of the leading commercial banks that offer home loans at an attractive interest rate of 8.25% onwards. The bank has been providing personal banking and financial resolution of the retail and commercial sectors. IDBI offers home loans which are not just taken to purchase new properties but also to rebuild or to reconstruct/renovate the existing property, as well.

IDBI Bank Home Loan Interest Rates 2020
Interest Rate8.25% onwards
Age CriteriaMin. 22 years & Max. 70 years
Processing FeeUpto 0.50% of loan amount
Processing ChargesRs. 2500 + GST for amount upto Rs. 35 lakh
Rs. 30 Lakhs to Rs. 75 Lakhs : Rs. 3,500 + GST
Rs. 75 Lakhs : Rs. 5,000 + GST
Loan TenureUp to 30 years
Loan AmountUp to 10 crore
Prepayment or Foreclosure ChargesNil if floating, upto 2% for fixed rate
Penal Charges2% p.a. for the overdue amount
Legal ChargesRs. 2500 + GST (Metro Urban)
Rs. 1500 + GST (Semi Urban & Rural)
Loan for Insurance PremiumNil

Features of IDBI Home Loan

IDBI bank offers in-principle loan sanction even without finalizing the property based on the applicant’s repayment capacity. The applicant may further search the property in accordance with the loan amount sanctioned. For final disbursal, the property thus identified should meet the criteria as decided by IDBI bank.

The repayment of home loan is done in the form of equated into monthly instalments or popularly known as EMI. EMI consist of principal and interest component which is charged on reducing balance in home loans. The applicant may choose the modes of repayment as per their convenience i.e. either as Standing Instruction (SI) from IDBI Account or through Electronic Clearing System from their non IDBI account. Additionally, the borrower can reduce their interest liability by availing IDBI Home Loan Interest Saver.

 IDBI Home Loan Rate of Interest

IDBI Home Loan Floating Rates
Loan AmountInterest Rate per annum
Up to  Rs 35 lakhs8.85%
Above Rs 35 lakhs and up to Rs 75 lakhs9.00%
Above Rs 75 lakhs9.10%
*The interest rates for women as stated above would be extended subject to income of the
women applicant /co-applicant has been considered for loan eligibility and /or she is
owner/co-owner of the property.
Home Loan Interest Saver (HLIS)
All loan Amounts9.05%
IDBI NEEVSanction AmountRoI
Upto Rs 35 lakh9.45%
> Rs 35 lakh to Rs 75 lakh9.70%
> Rs 75 lakh9.95%
Turnover based Home Loan
All loan Amounts12.05%
Scheme for Financing Rural/Semi Urban Housing
All loan Amounts10.35%
Top-up Loans
For home loan customersFor topup amount upto 100% of the original sanction –
For housing purpose : Prevailing Home Loan Rate/ Product rate  + 0.10%
For non-housing purpose : Prevailing Home Loan Rate / Product Rate + 0.20%
IDBI Home Loan Fixed Rate
All loan AmountsFor 3 Year TenorFor > 3 Year Tenor
10.25%10.50%
IDBI NEEVSanction AmountROI
Up to  Rs 35 lakhs10.25%
Above  Rs 35 lakh10.50%
Scheme for Financing Rural/Semi Urban Housing
All loan Amounts10.35%

Other Charges for IDBI Home Loan

Foreclosure Charges
Floating Rate
 For IndividualsNil Prepayment or Foreclosure charges
For Non Individuals as an applicant or as co-applicantCases sanctioned on or after 28th January 2015 -2% on the outstanding loan amount plus tax.
Cases sanctioned before 28th January 2015 – As per the Sanction Letter and Loan terms and Conditions.
Fixed Rate
For Its Own Funds
Within 6 months from Last and final DisbursementCases sanctioned on or after 28th January 2015 -2% on the outstanding loan amount plus tax.
Cases sanctioned before 28th January 2015 – As per the Sanction Letter and Loan terms and Conditions.
After 6 months from Last and final DisbursementNil Prepayment or Foreclosure charges
 For Balance TransferCases sanctioned on or after 28th January 2015 – 2% on the outstanding loan amount plus tax.
Cases sanctioned before 28th January 2015 – As per the Sanction Letter and Loan terms and Conditions.
Foreclosure Procedure Time
Original document retrieval time15 working days
Part Payment
Minimum AmountRs 50000/-
Number of times4 times in a financial year
Additional Charges
Penal Interest5% per annum for the unpaid amount and period
Copy of property documentsRs 225/-
Default in paymentRs 300/-
Swapping of PDC / ECSRs 575/-
Duplicate Certificate/ Interest CertificateRs 115/-
CIBIL Copy of credit certificateRs  50/-
Re issuance of DD / PORs 115/-
Duplicate Statement ChargesRs 115/-

Security

The title deeds of the property with a memorandum of entry are required to be provided as security. However, the Bank can ask for further security if necessary on a case to case basis.

Purposes of Availing IDBI Bank Home loan

One can take home loans for the below-mentioned purposes:

  • Combined Loans for purchasing of land construction of house thereafter.
  • Loans can be taken for buying under construction property or ready property through direct allotment or resale as well.
  • Home loans can also be taken for extension of the existing house.
  • Loans can be availed for existing home renovations and improvements.
  • Transfer of home loans from other banks other than co-operative banks.
  • Within 12 months of the transaction, one can apply for refunding for purchasing or for construction.
  • Loans can be taken for buying of land and construction of a house.
  • Construction Finance.

IDBI Home Loan Eligibility

  • IDBI bank evaluates the eligibility for a home loan based on various factors which include Applicants age, Maximum educational qualification, the source of income, spouse income, number of dependents, Job stability, nature of occupation for self-employed individuals, total assets & liability of the applicant and their savings habits.
  • Apart from these individual factors, valuation of the property and its history plays a critical part in the loan eligibility amount.
IDBI Bank Home Loan Eligibility for Salaried

Minimum Age – 22 years, Maximum Age – should be less than 70 years at the time of closure of the loan subject to suitable and acceptable repayment track record.

IDBI Bank Home Loan Eligibility for Self Employed Professional

Minimum Age – 25 years, Maximum Age – Should be less than 70 years at the time of closure of the loan subject to suitable and acceptable repayment track record.

IDBI Bank Home Loan Eligibility for Self Employed non-professional

Minimum Age – 25 years, Maximum Age – should be less than 65 years at the time of closure of the loan subject to suitable and acceptable repayment track record. Under this, the maximum age can be relaxed provided there is a proper and suitable succession plan of the business.

Documentation Required for IDBI Home Loan

Salaried CustomersSelf Employed ProfessionalsSelf Employed Non Professionals
Application form
with photograph		Application form with photographApplication form with photograph
Identity and Residence ProofIdentity and Residence ProofIdentity and Residence Proof
Latest Salary-slip for last 3 monthsEducation Qualifications Certificate
and Proof of business existence		Proof of business existence
Form 16/ITRLast 3 years Income
Tax returns (self and business)		Business profile
Last 6 months
bank statement		Last 3 years Profit/Loss
and Balance Sheet		Last 3 years Income Tax returns
Last 3 years Profit /Loss Balance
Processing fee chequeLast 6 months bank statementsLast 6 months bank
statements (self and business)
Processing fee chequeProcessing fee cheque

Apply for RBL Home Loan with Paisabazaar.com

At paisabazaar.com you have the option of checking and comparing from various loan deals offered by various financial institutions. So do not hurry and take good time in comparing and picking the deal that meets your requirement. You can freely apply online for any home loan at paisabazaar.com and enjoy the benefits. Borrowers can also check their IDBI home loan statement.

NEWS

IDBI Bank launches repo-linked home loans from 8.30% p.a.

30th August 2019 – IDBI Bank has launched repo-linked home loan product, Suvidha Plus Home Loan. The product will be available to customers with effect from September 10. The loan product will be offered to new customers having god credit score and minimum income of Rs. 6 lakh p.a. IDBI Home loans up to Rs 75 lakh with tenure of up to 35 years will be offered at interest rate of 8.30% p.a. onwards. Under the new home loan scheme, the bank will also offer balance transfer with top-up facility with zero processing fees.

 

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