Hi CharanSanitwong, Would again differ with your opinion.Even though i have the cash, i still would go for a loan under certain circumstances.
Out here there are no taxation benefits but i do get taxation benefits on taking a loan back home - so i have taken loans back home.
Secondly my return on capital is around 15-20%. So i will always invest my capital to get this rate of return and wouldn't mind paying the 8-10% interest on borrowed funds.

:-)