In addition, India has built factories, hospitals, and parliaments in various countries, and sent doctors, teachers, and IT professionals to treat and train the nationals of recipient countries. Concessional loans at trifling interest rates (between 0.25% and 0.75%, well below the cost of servicing the loans) are also extended as lines of credit, tied mainly to the purchase of Indian goods and services, and countries in Africa have been clamoring for them.