I take topic no 1

You own a real estate business. Sometimes you need to lend a large amount of money to
run your business. What type of bank is right for your business. Please explain your
reasons!

Answer: For property businesses that require large capital loans, the most suitable type of
bank is a commercial bank or investment bank. Commercial bank is a type of bank
that focuses on providing credit and operates for profit by offering various types of
financial products, including business credit. Some examples of well-known
commercial banks in Indonesia include:
 Mandiri Bank
 Bank BRI
 Bank BCA
 Bank CIMB Niaga
 Bank Danamon
 Gem Bank
 Panin Bank
 Mega Banks
 Bank OCBC NISP
 HSBC Bank
Meanwhile, an investment bank is a type of bank that focuses on investment
activities and facilitates securities trading, mergers and acquisitions, as well as
providing credit for large investment projects. Here are some examples of world-
renowned investment banks:
 Goldman Sachs
 Morgan Stanley
 JPMorgan Chase
 Citigroup
 Bank of America Merrill Lynch
 Deutsche Bank
 Barclays
 Credit Suisse
  UBS
 Nomura Holdings
Both commercial banks and investment banks can provide financial
solutions that suit the needs of the property business. The reason why commercial
banks or investment banks are suitable for the property business is because they
have the capacity to provide large capital loans and have experience in handling
large investment projects. In addition, commercial banks and investment banks
have a tendency to offer lower interest rates and more scalable terms compared to
other financial institutions. Thus, the property business can obtain capital at a more
affordable cost.
In addition, commercial banks or investment banks can also provide
additional services such as consulting and assistance in managing the financial
risks faced by the property business. This is very important for the property
business which faces quite high risks, such as the risk of fluctuations in property
prices, the risk of project failure and market risk. Apart from commercial banks
and investment banks, the property business can also consider other financing
sources such as finance companies and private investors. However, before
choosing a source of financing, the property business must consider the capital
requirements that are appropriate to the stage of the business and the risks faced by
the property business. In choosing the type of bank for the property business, it is
necessary to do research in advance to compare the terms and services offered by
the existing banks. In addition, be sure to check the reputation and credibility of the
bank concerned before deciding to cooperate.

Sumber : BMP Bahasa Ingris Niaga