Preparation of MacConkey Agar. 1  Suspend the measured amount of powder (See in the agar bottle and generally 50 gram) in 1 L of purified water and mix thoroughly. 2  Heat with frequent agitation and boil for 1 minute to completely dissolve the powder. 3  Autoclave at 121Â°C for 15 minutes.
All USDA loans (purchase and refinance) require a one-time Guarantee Fee that is added to the borrowers loan. The current amount of the USDA guarantee fee is 2%. Example â if a borrower was purchasing a home 100% financing for $150,000, the adjusted loan amount with the 2% USDA guarantee fee would be $153,000. $3,000 added to the base loan amount. In addition to this one time Guarantee Fee, USDA loans also require a annual fee that is added to the monthly mortgage payment. Basically the âannual feeâ is monthly mortgage insurance â or more commonly known as âPMIâ Again, like the above it can have many different names. The current amount of this fee is .5%.
They charge a fee for this service. Guarantee fees are based on the loanâs maturity and the dollar amount guaranteed (instead of the total loan amount, since the SBA doesnât guarantee 100% of your SBA loan). The SBA can guarantee as much as 85% on loans up to $150,000 and 75% on loans of more than $150,000. But the SBA sets its maximum guarantee exposure amount at $3.75 million. If you do this math on your SBA loan calculator, youâll find that this means that if you qualify for the maximum 7(a) amount ($5 million), the maximum guarantee on the loan will be 75%. The guarantee fee charged on SBA loans is actually fronted by the bank lenderâunless the bank chooses to pass on that expense to you, the borrower, upon loan closing.