Welcome to world-class banking at IDBI. Home, sweet home, built out of your dreams. A place where you return after a hard day's work and relax, a place where you share precious moments with your family. A place that gives you a sense of belonging. IDBI helps you realise your long cherished dream of owning your home through hassle free and customer friendly home loans. Presenting the home loan you have been looking for. We realise what owning your home means to you and your family. You can avail of the Home Loans for constructing a home, purchasing a ready built house/flat, residential plot and even for re-financing existing loans you may have availed from other banks or housing finance companies. Click here to apply. |
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| Advantages of IDBI Home Loans |
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| Special insurance cover for you |
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| You can avail of a special insurance cover on your home loan for a small premium. Click here for more details. |
Saturday, December 22, 2007
IDBI BANK LOANS
CITI BANK LOANS
PERSONAL LOANS
BUSINESS LOANS
AUTO LOANS
MORTAGES LOANS
LINK :http://www.online.citibank.co.in/portal/newgen/seo/loans/loans.htm
ICICI TWO WHEELER LOANS
Two Wheeler Loans
The Best Deals on Two Wheeler Loan
ICICI Bank Two Wheeler Loans offers a finance facility up to 85% of the On Road Cost of the vehicle, repayable in convenient repayment options and comfortable tenures from 6 months to 36 months. Two Wheeler Finance facility is available in a wide range of options to suit your requirements. We provide finance for all models of motorcycles, mopeds, scooterettes and scooters of Hero Honda, Bajaj, TVS, HMSI,Hero Motors, Suzuki,Yamaha, Kinetic Honda & Royal Enfield . Existing ICICI Bank Customers can simply ride away on their favourite Two Wheeler by availing Loan On Phone*-- a facility to get an instant loan over the phone! So, be ready to ride your dream bike with ICICI Bank Two Wheeler Loans.
 | "Zoom" away in your favourite Two Wheeler. Avail our attractive schemes at competitive interest rates. |
| Finance facility available for all Two Wheelers ranging from mopeds to motor bikes. |
| Now avail Finance upto 95%* of the On Road Cost of the vehicle, repayable in convenient tenure options ranging from 6 months to 36 months*. |
| Ride Easy Pay Easy with ICICI Bank Two Wheeler Loans. |
| In an unlikely case of your not meeting our norms NO PROBLEM - you can still avail our loan, any blood relative can be your co-applicant. |
| Existing ICICI Bank Customers ride away on your favourite Two Wheeler by availing Loan On Phone*-- a facility to get an instant loan over the phone!! |
* conditions apply
Service Tax is applicable on all fees and charges
ICICI CAR LOANS
The No. 1 Financier for Car Loans in India
New Car
Turn your dream into reality. Own that new car you have always desired, with a little help from us. We offer loans up to 100% of ‘on-road’ cost on select models, and up to 95% of the ex-showroom price on others. Our interest rates would pleasantly surprise you. What’s more, you can take up to 7 years to repay the loan.
Worried about paperwork? Relax. The process for getting a loan involves only a few simple steps and we will tailor-make the loan to suit your needs.
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| We also have several other car loan options based on your life insurance premium receipts, bank statements, RC Book, etc. | ||
| Used Cars | ||
Would you prefer to go for a used car? We are here to help you with ‘ICICI Bank Used Car Loans’. We offer up to 90% of the car value, and up to a 7-year repayment duration. We finance cars which are up to 10 years old at the end of the loan tenure. You can also take a loan on a car you already bought or transfer your loan to ICICI Bank from another financier. | ||
| Car Overdraft | ||
A current account on wheels! Convert your car into cash by taking an overdraft up to 90% of the assessed value of the car. | ||
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| Pay interest only on the funds you withdraw. |
| Pay only a minimum of 5 % of the utilised amount. No fixed EMIs. |
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| Arm yourself with these tools: | |
| A Roaming Current account |
| Multicity Cheque Book |
| Internet Banking Access |
| Access to 24-hour Customer Care |
Important: All loans are at the sole discretion of ICICI Bank. Car loan offerings mentioned in these pages are subject to change without prior notice.
ICICI PERSONAL LOANS
Personal Loans for all your financial needs
Thinking of renovating your house? Yearning to buy a new Laptop? Need financial assistance with marriage related expenses or your child higher education? An ICICI Bank Personal Loan is your One-stop-shop for all your financial needs to fulfill any of your desires. Key Benefits of ICICI Bank Personal Loan: | |
 | Loan up to 15 lacs |
| No security/guarantor required |
| Faster Processing |
| Minimum Documentation |
| Attractive Interest Rates |
| 12-60 Months repayment options |
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Special Offer for ICICI Bank Customer:
With the "Loan on Phone" facility, it is possible to secure a loan even without having to visit your bank branch. If you have been an ICICI Bank customer for the past 6 months, you might have a pre-approved loan offer waiting for you. All you need to do is :
Login to icicibank.com using your user ID and password and know your offer
Speak to our phone banking officers and quote your relationship number to know your offer Click here.Walk in to any ICICI Bank branch
ICICI HOME LOANS
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HSBC HOME LOANS
Features & Benefits
Your dream home, a reality
Loan requirement - We offer you loans ranging from Rs. 5 lakhs upto Rs. 3 crore*.
Property types - We offer loans to Resident Indians and NRIs for ready property, under construction property, self-construction and home improvement.
Loan tenure - Loans are available for tenures upto 25 years.
Flexibility, savings... more!
Repayment options - Choose between fixed and floating rate home loans. You also have the option of switching from a floating rate home loan to a fixed rate home loan once a year at no extra cost. **
No penalty option - You can opt to pre-pay up to 25% of your loan every year. Pre-payment is permitted after a minimum of 6 months following loan disbursal.
Free Gold credit card - On approval of your Home Loan, you get a Gold credit card#, free for the first year with annual charges being waived.
Tax benefits - Resident Indians are eligible for certain tax benefits on principal and interest components of a housing loan under the Income Tax Act, 1961.##
http://www.hsbc.co.in/1/2/personal/loans/home-loan
STATE BANK OF INDIA LOANS FOR PENSIONERS
If you are a Central or State Government pensioner drawing your pension through one of our branches and are not more than 72 years of age, you can avail of a loan from your branch to meet your personal expenses. We understand you may have an urgent or unexpected need for funds or a family obligation to be fulfilled and appreciate your association with us. You can avail a loan of up to a maximum of 12 months pension, subject to a ceiling of Rs.1,00,000. The documentation is easy.
The loan may be repaid over 5 years and will carry a low interest rate of 13.25% p.a.
There are no processing fees, no hidden costs and no prepayment penalties. Whenever you have some surplus funds, you can credit your loan account, thereby reducing your loan liability and interest burden.
Salient features of the Scheme:
Eligibility:
All Central and State Government pensioners, whose pension accounts are maintained by our branches. The pensioner should not be more than 72 years of age.
Purpose :
To meet personal expenses .
Loan Amount :
A maximum of 12 months pension with a ceiling of Rs.1,00,000/-
Margin :
Nil
Security :
The spouse eligible for family pension should guarantee the loan or any other family member or a third party worth the loan amount.
Repayment :
60 Equated Monthly Instalments (EMIs) – if age of Pensioner at the time of loan sanction is upto 70 years
48 Equated Monthly Instalments (EMIs) – if age of Pensioner at the time of sanction is between 70 – 72 years
Rate of Interest :
0.50% above SBAR Floating i.e. 13.25% p.a.
Authorised Branches :
All branches maintaining pension accounts. The facility is available only from the branch which is maintaining pension account of the applicant.
STATE BANK OF INDIA PERSONAL LOANS
Do you want funds readily available to you whenever you desire or need, be it a sudden vacation that you plan with your family or urgent funds required for medical treatment? SBI Saral - Personal Loan is the answer to your questions.
Access this facility from over 3000 branches across the country and confidently face the challenge of meeting any kind of personal expenses!!
Enjoy the SBI Advantage :
· Low interest rates. Further, we charge interest on a daily reducing balance!!
· Low processing charges; only 1%-2% of loan amount
· No hidden costs or administrative charges.
· No security required ……which means minimal documentation…something that you had always wanted.
· No prepayment penalties. Reduce your interest burden and optimally utilize your surplus funds by prepaying the loan (1% of the loan amount will be charged if you repay the loan before 6 months)
· Long repayment period of up to 48 months.
The Scheme
Purpose
The loan will be granted for any legitimate purpose whatsoever (e.g. expenses for domestic or foreign travel, medical treatment of self or a family member, meeting any financial liability, such as marriage of son/daughter, defraying educational expenses of wards, meeting margins for purchase of assets etc.)
Eligibility
You are eligible if you are a Resident Indian National having capability to repay a loan, except agriculturists. (At present, only salaried individuals are covered under the scheme).
Salient Features
Loan Amount
Your personal loan limit would be determined by your income and repayment capacity.
Minimum : Rs.24,000/- in metro and urban centres
Rs.10,000/- in rural/semi-urban centres
Maximum : 12 times Net Monthly Income for salaried individuals and pensioners subject to a ceiling of Rs.10 lacs in all centres
Documents Required
Important documents to be furnished while opening a Personal Loan Account:
For existing bank customers
Passport size photograph
From salaried individuals
Latest salary slip and Form 16
Margin
We do not insist on any margin amount.
Interest Rates
3.25% above SBAR FLoating i.e. 16.00% p.a.
Repayment
The loan is repayable in 48 EMI. You are allowed to pay more than the EMI if you wish to, without attracting any prepayment penalty.
Security
NIL
Processing Fee
Processing charges are 1-2% of the loan amount. This is amongst the lowest fees in the industry. Processing fees have to be paid upfront. There are no hidden costs or other administrative charges.
STATE BANK OF INDIA EDUCATION LOANS
Eligible Courses
All courses having employment prospects are eligible.
- Graduation courses/ Post graduation courses/ Professional courses
- Other courses approved by UGC/Government/AICTE etc.
- Fees payable to college/school/hostel
- Examination/Library/Laboratory fees
- Purchase of Books/Equipment/Instruments/Uniforms
- Caution Deposit/Building Fund/Refundable Deposit
- Travel Expenses/Passage money for studies abroad
- Purchase of computers considered necessary for completion of course
- Cost of a Two-wheeler upto Rs. 50,000/-
Any other expenses required to complete the course like study tours, project work etc.
Amount of Loan
- For studies in India, maximum Rs. 10 lacs
- Studies abroad, maximum Rs. 20 lacs
For loans upto Rs.4 lacs - 12.75% p.a. Floating
For loans above Rs.4 lacs - 13.75% p.a. Floating
- No processing fee/ upfront charges
- Deposit of Rs. 5000/- for education loan for studies abroad which will be adjusted in the margin money
Repayment will commence one year after completion of course or 6 months after securing a job, whichever is earlier.
| Place of Study | Loan Amount | Repayment Period in Years |
| In India | Up to Rs. 7.5 lacs | 5-7 |
| Above Rs. 7.5 lacs | 5-10 | |
| Abroad | Up to Rs. 15 lacs | 5-7 |
| Above Rs. 15 lacs | 5-10 |
| Amount | Studies In India | Studies Abroad |
| Upto Rs. 4 lacs | No Security | No Security |
| Above Rs. 4 lacs to Rs. 7.50 lacs | Suitable third Party Guarantee | Suitable third Party Guarantee |
| Above Rs. 7.50 lacs to Rs. 10 lacs(India)/ Rs. 15 lacs(Abroad) | Tangible Collateral security for full value of loan | Tangible Collateral security of suitable value of loan or suitable third party guarantee. |
| Rs 15 lacs to Rs. 20 lacs | ___ | Tangible Collateral security for full value of loan |
- For loans up to Rs.4.0 lacs : No Margin
- For loans above Rs.4.0 lacs:
- Studies in India: 5%
- Studies Abroad: 15%
- Completed Education Loan Application Form.
- Mark sheets of last qualifying examination
- Proof of admission scholarship, studentship etc
- Schedule of expenses for the specified course
- 2 passport size photographs
- Borrower's Bank account statement for the last six months
- Income tax assessment order, of last 2 years
- Brief statement of assets and liabilities, of the Co-borrower
- Proof of Income (i.e. Salary slips/ Form 16 etc)
STATE BANK OF INDIA CAR LOANS
Move ahead in life with SBI Car Loans! If you have been putting off purchasing that Car, we invite you to go through our Car Loan Scheme.
Low interest rates, easy repayment options, total transparency.
Finance to include vehicle registration charges, insurance, one-time road tax and accessories (subject to conditions).
Well, what are you waiting for? Just contact any of our branches (more than 6000) that offer Car Loans or our Personal Banking Branches and give wheels to your desire!
- A new car, jeep, Multi Utility Vehicle (MUV) or SUV (any make or model)
- A used car / jeep / MUV /SUV (not more than 5 years old). (any make or model)
Enjoy the SBI Advantage :
Excellent service and lower costs. A quick survey of similar schemes available elsewhere and you will find that SBI Car Loans for new and old vehicles offer you :
- Lowest interest rates
- Longer repayment period of upto 84 months.
- No hidden costs or administrative charges.
- Finance for one-time road tax, registration fee, insurance premium and accessories
- No advance EMIs.(Some Banks/companies ask you to pay one or more EMIs at the time of disbursement of loan, thereby effectively reducing your loan amount.)
- Complete transparency : We levy interest on daily reducing balance method. When you pay one instalment, the interest is automatically calculated on the reduced balance thereafter. When you pay interest on an annual reducing balance, as charged by many other companies/banks, the interest amount for the coming year is determined on the amount outstanding at the beginning of the year. You continue to pay interest even on the amounts you repay during the year.
Always compare the Equated Monthly Instalments (EMIs) and the total payments you would be required to make and not the rates of interest.
The Scheme 
Purpose
You can take finance for :
A used car / jeep (not more than 5 years old). (Any make or model).
Take over of existing loan from other Bank/Financial institution (Conditions apply)
Eligibility
To avail an SBI Car Loan, you should be :
- Individual between the age of 21-65 years of age.
- A Permanent employee of State / Central Government, Public Sector Undertaking, Private company or a reputed establishment or
- A Professionals or self-employed individual who is an income tax assessee or
- A Person engaged in agriculture and allied activities.
- Net Annual Income Rs. 100,000/- and above.
Salient Features
Loan Amount
There is no upper limit for the amount of a car loan. A maximum loan amount of 2.5 times the net annual income can be sanctioned. If married, your spouse's income could also be considered provided the spouse becomes a co-borrower in the loan. The loan amount includes finance for one-time road tax, registration and insurance!
No ceiling on the loan amount for new cars.
Loan amount for used car is subject to a maximum limit of Rs. 15 lacs.
Type of Loan
1. Term Loan
2. Overdraft - a) For New vehicles only
b) Minimum loan amount: Rs. 3 lacs.
Documents Required
You would need to submit the following documents along with the completed application form if you are an existing SBI account holder:
- Statement of Bank account of the borrower for last 6 months.
- 2 passport size photographs of borrower(s).
- Signature identification from bankers of borrower(s).
- A copy of passport /voters ID card/PAN card.
- Proof of residence.
- Latest salary-slip showing all deductions
- I.T. Returns/Form 16: 2 years for salaried employees and 3 years for professional/self-employed/businessmen duly accepted by the ITO wherever applicable to be submitted.
- Proof of official address for non-salaried individuals.
If you are not an account holder with SBI you would also need to furnish documents that establish your identity and give proof of residence.
Margin
New / Used vehicles : 15% of the on the road price.
Repayment
You enjoy the longest repayment period in the industry with us.
Repayment period:
For Salaried: Maximum of 84 months
For Self-employed & Professionals: Maximum 60 months
Repayment period for used vehicles :Up to 84 months from the date of original purchase of the vehicle (subject to maximum tenure as above).
Prepayment fee of 2% of the amount of the loan prepaid will be levied subject to certain conditions.
Interest
Click here to view the interest rates.
Processing Fee
0.50% of Loan amount and to be paid upfront.
Minimum: Rs. 500/-
Maximum Rs. 10,000
25% of Processing fee will be ratained if application is rejected after pre-sanction survey.
Security
As per bank's extant instructions.
STATE BANK OF INDIA HOME LOANS
WELCOME to SBI Home Loans
"THE MOST PREFERRED HOME LOAN PROVIDER" voted in AWAAZ Consumer Awards along with the MOST PREFERRED BANK AWARD in a survey conducted by TV 18 in association with AC Nielsen-ORG Marg in 21 cities across India.
SBI Home Loans come to you on the solid foundation of trust and transparency built in the tradition of State Bank of India.
Best Practices followed in SBI mentioned below will tell you why it makes sense to do business with State Bank of India Best practices followed in SBI People dealing with you End to End service by Permanent employees of SBI who are accountable to you. Place SBI branch of your choice will service your loan account. You can always meet our employees face to face. Price Complete transparency.
Interest charged on the daily reducing balance. Prepayment charges No penalty for prepayments made, out of bonafide savings or windfall gains for which evidence is produced. Costs hidden in fine print No hidden costs Transparency Complete transparency. All the features of our product, including interest rates, are in the public domain.
Unique features:
* Provision for on the spot "In principle" approval.
* Loan sanctioned within 6 days of submission of required documents.
* Option to avail Home Loan as a Term Loan or as an Overdraft facility to save on interest and maximise gains (see SBI MaxGain in the following sections)
*Option to club income of your spouse and children to compute eligible loan amount
*Provision to club depreciation, expected rent accruals from property proposed to compute eligible loan amount
*Provision to finance cost of furnishing and consumer durables as part of project cost
*Repayment permitted upto 70 years of age
*Free personal accident insurance cover upto Rs.40 Lac.
*Optional Group Insurance from SBI Life at concessional premium (Upfront premium financed as part of project cost)
*Interest calculated on daily reducing balance basis, and starts from the date of disbursement.
‘Plus’ schemes which offer attractive packages with concessional interest rates to Govt. Employees, Teachers, Employees in Public Sector Oil Companies.
*Special scheme to grant loans to finance Earnest Money Deposits to be paid to Urban Development Authority/ Housing Board, etc. in respect of allotment of sites/ house/ flat
*Option to avail loan at the place of employment or at the place of construction
- Complimentary international ATM-Debit card
- Complimentary SBI Classic/ International Credit Card.
- Option for internet-banking
- Concessional package under ‘Credit Khazana’ for prospective Auto Loan, Student Loan, Personal Loan borrowers whose accounts are conducted satisfactorily
- 50% concession in charges in respect of all personal remittances/ collection of outstation cheques
Personal loan at attrctive rates under SBI Home Plus scheme tailored exclusively for SBI Home Loan customers.
Purpose
Purchase/ Construction of House/ Flat
Purchase of a plot of land for construction of House
Extension/ repair/ renovation/ alteration of an existing House/ Flat
Purchase of Furnishings and Consumer Durables as a part of the project cost.
Takeover of an existing loan from other Banks/ Housing Finance Companies.
Eligibility
Minimum age 18 years as on the date of sanction
Maximum age limit for a Home Loan borrower is fixed at 70 years, i.e. the age by which the loan should be fully repaid.
Availability of sufficient, regular and continuous source of income for servicing the loan repayment.
Loan Amount Net Annual Income EMI/NMI Ratio Upto Rs.2 lacs 40% Above Rs.2 lac to Rs. 5 lacs 50% Above Rs. 5 lacs 55%
To enhance loan eligibility you have option to add:
1. Income of your spouse/ your son/ daughter living with you, provided they have a steady income and his/ her salary account is maintained with SBI.
2. Expected rent accruals (less taxes, cess, etc.) if the house/ flat being purchased is proposed to be rented out.
3. Depreciation, subject to some conditions.
4. Regular income from all sources.
Margin (Special Festival Season Offer)
| Purchase/ Construction of a new House/ Flat/ Plot of land: 15% for loans up to Rs. 1 cr., 20% for loans above Rs. 1 cr. |
| Repairs/ Renovation of an existing House/ Flat: 15% |
Interest
Click here to view the interest rates.
Processing Fee (Special Festival Season Offer)
0.25% of Loan amount with a cap of Rs.5,000/-(including Service Tax)
Pre-closure Penalty
No penalty if the loan is precolsed from own savings/windfall gains for which documentary evidence is produced by the customer.
In case, such proof is not produced by the borrower, penalty @2% on the amount prepaid in excess of normal EMI dues shall be levied if the loan is preclosed within 3 years from the date of commencement of repayment.
Security
Maximum Repayment Period
Moratorium
Upto 18 months from the date of disbursement of first instalment or 2 months after final disbursement in respect of loans for construction of new house/ flat (moratorium period will be included in the maximum repayment period)
Disbursement
Documents
‘SBI-Flexi’ Home Loans
A customized product designed to enable borrowers to hedge their Home Loan against unfavourable movement in interest rates. The product gives you a one time irrevocable option to choose one of the three customized combinations of fixed and floating interest rates and also to choose the order in which the fixed and floating rate will be availed.
Minimum Loan Amount: Rs.5 lacs
(Other terms and conditions – as applicable to regular Home Loans)
‘SBI-Maxgain’ Home Loans
An innovative and customer-friendly product to enable you to earn optimal yield on your savings and minimize interest burden on Home Loans, with no extra cost.
The loan is granted as an Overdraft facility with the added flexibility for you to operate your Home Loan Account like your SB or Current Account.
The product serves to minimize your interest cost by enabling you to park your surplus funds in ‘SBI-Maxgain’ (with the benefit to withdraw the surplus funds whenever you require), specially in the wake of low yields from other deposit/ investment avenues.
Minimum Loan Amount: Rs.5 lacs
(Other terms and conditions – as applicable to regular Home Loans)
‘SBI-Realty’ Home Loans
A unique product if you are on the look out for a loan to purchase a plot of land for house construction. The loan is available for a maximum amount of Rs.20 lacs* and with a comfortable repayment period of upto 15 years.
You are also eligible to avail another Housing Loan for construction of house on the plot financed above with the benefit of running both the loans concurrently.
(House construction should commence within 2 years from the date of availment of ‘SBI-Realty’ Housing Loan)
(Other terms and conditions – as applicable to regular Home Loans)
(* relaxation considered on case to case basis)
A revolutionary product designed for customers who are on the look out for a source of finance for a property they want to invest in without mortgaging the same. All you have to do is pledge any financial security that you have and you will get a Home Loan for your dream home.
A must-take for those who do not want to pay stamp duty for mortgage of their property or go through the hassles of creation of mortgage.
You also have an option to take the loan by way of mortgage of the property and pledge financial securities in lieu of margin money.
Repayment is highly customized, giving you the option to repay through regular EMIs or through maturity proceeds of the securities pledged.
(Other terms and conditions – as applicable to regular Home Loans)
‘SBI-OPTIMA’ ADDITIONAL HOME LOANS
‘SBI-HOMELINE’ SPECIAL PERSONAL LOANS
Innovative and value added products extended to existing Home loan borrowers with a satisfactory repayment record of 3 years and whose loan is Standard Asset, with a view to reinforce the customer loyalty and to maintain long term relationship with the borrowers. In case of take-over of Home Loans from other Banks/HFCs, the borrower should have fulfilled the above conditions with the present Bank/HFC.
Purpose
‘SBI-Optima’ Additional Home Loans | to meet expenditure towards major repair, renovation, addition to their house/flat, purchase of furniture, fixtures and consumer durables |
‘SBI-Homeline’ Special Personal Loans | General purpose loan to meet expenditure to meet forseen/unforeseen contingencies |
Eligibility
‘SBI-Optima’ Additional Home Loans | 18 times NMI (for salaried borrowers)/ 1 ½ times NAI ( for others) or (i)25% of the original project cost of house/flat (ii) 85% of the cost of repairs etc. or (iii) gap between 85% of the current market price of flat/house and actual outstanding loan dues , whichever is lower (EMI/NMI ratio of all loans should not exceed 60%) |
‘SBI-Homeline’ Special Personal Loans | 18 times NMI (for salaried borrowers)/ 1 ½ times NAI (for others) |
Interest Rates/processing fee
‘SBI-Optima’ Additional Home Loans | As applicable to Home Loans |
‘SBI-Homeline’ Special Personal Loans | Interest rates 50 bps above rates applicable to the repayment tenure (floating rates only) Processing fee : 0.50% of the loan amount (including service tax) |
Other salient features
- Inbuilt provision for availment of the loans on the expiry of each bloc of 5 years, the first bloc commencing on the expiry of 5 years from the date of sanction of original Home Loan.
- Original Home Loan and all ‘SBI-Optima’ Home Loans/’SBI-HomeLine’ Personal Loans can run concurrently
- Comfortable repayment obligations – Tenure of the loans equal to the residual maturity of the original Home Loans -
‘PRASHASAN PLUS’, ‘TEACHER PLUS’ AND ‘OIL PLUS’
The above ‘ plus’ schemes offer concessional interest rate of 0.25% below the applicable interest rates on Home Loans to niche client groups like Government Employees, Teachers, employees of public sector oil companies etc.
For more information you may please call our contact centre on toll free number 1800 11 22 11