Loans Information

Luxury Real Estate Information


Rancho Palos Verdes, California Homes
Palos Verdes, California Homes
South Bay, California Homes
Luxury Mexican Beachfront Homes

Featured Properties


Oceanfront Estate Near Trump National

Related Information


Loan Information
Real Estate Information
Mortgage Refinance Information

Simple Tips On Getting Your Loan


So, you want to get a loan?

Here are some simple tips that will help you make an informed decision about what kind to get, and who to get it from.

First ask yourself: do you really need it?

Can you manage without it?Is it for something frivolous, like a holiday?Could you get the money by other means: part-time job, from a relative, the sale an asset?

Don't put a monkey on your back if you can avoid it.

A loan varies according to:

The amount borrowed;

The interest rate;

The type of rate (fixed or variable);

The term (repayment time in months or years);

Deposit (downpayment);

Associated fees (broker, origination, prepayment etc.);

Insurance required by the lender.

You are buying money for more than it cost the lender. Simple.

It's a mistake to only care about the interest rate; there are also arrangement fees and prepayment penalties to consider. Many 'no fee' credit lines have a pre-payment penalty. This is how brokers and lenders make their money. Work out the total cost of your loan before committing.

To ensure you get the best terms, keep your credit-line as small as possible. Loan officers tend to count the total line of credit available as a liability.

Pay off small debts before the due date. Cancel credit cards you are not using. Consider their interest rates and fees, when deciding which cards to keep.

If your spending is out of control, don't put your home at risk by getting a home equity credit line to pay off your credit-card debts.

Shop for rates when the market is calm. Rates change from day to day, so compare lenders. The quotes you get should all be from the same time period.

Submit a neat application form; it shows you're business-like and efficient. It will be read and assessed by a human being; appearances count.

Only pay up-front fees to well-known institutions, or ones highly recommended by trusted sources.

Don't sign documents without reading them. As soon as possible, before you close the deal, review the documents you'll be signing, and make sure you understand them, so you won't have to sign them in a hurry.

Keep a copy of every cheque you write for your loan. If you call your lender about your loan, make sure you get the full name of the person with whom you speak. Make a note of it. You may be dealing with a large bureaucracy, and will need to refer to this conversation later.

If you find yourself in a dispute with a lender, don't send correspondence to the same address you send your payment. You need to deal with the decision-makers, not the account clerks.

About the author: T. O' Donnell (http://www.tigertom.com/personal-loans-uk.shtml) offers personal loans, advice, an ebook and a loan calculator, in London, UK.


MORE RESOURCES:
This RSS feed URL is deprecated, please update. New URLs can be found in the footers at https://news.google.com/news


pgatour.com

Inside the Field: 2018 Quicken Loans National
pgatour.com
Check out the entire field and how they qualified for the 2018 Quicken Loans National. HOW THEY QUALIFIED. Winner - Quicken Loans National. Bill Haas Billy Hurley III Troy Merritt Kyle Stanley Winner - THE PLAYERS Championship. Rickie Fowler Si Woo ...



LendUp Loan 2018 Review
NerdWallet (blog)
Best as: A last resort in a true emergency. LendUp is an online lender that makes small loans — both lump-sum and installment — to borrowers with low credit scores. LendUp's rates are as high as traditional payday loans in some cases, and lower than ...



The Detroit News

Businesses win $1.2M in Quicken Loans Detroit Demo Day
The Detroit News
Diverse Metro Detroit businesses snagged some $1.2 million on Friday to further their ventures. Whittled down from 500 applicants, 15 finalists in the second annual Quicken Loans Detroit Demo Day contest showed off their pitches for the funding. The ...



The First Look: 2018 Quicken Loans National
pgatour.com
Stanley takes his shot at becoming the first back-to-back winner in the National's 12-year history. Anthony Kim came closest, following his 2008 victory by finishing third in '09. … Will this be the National's final edition? Quicken Loans takes its ...



Forbes

How To Save $1,000 On Your Student Loans - Forbes
Forbes
This one student loan hack will get you there. Here's what you need to know and how to start saving. Student Loan Debt: Overview. If you are one of more than ...
Consumer Debt Outlook for June 2018 | LendingTreeLending Tree

all 12 news articles »


The Hill

Bill to protect work licenses of student loan debtors is welcome development
The Hill
Americans owe nearly $1.5 trillion in student loans, with the average borrower owing around $30,000. Unfortunately, because of a number of factors, about 5 million Americans are in default on those loans. Worse still, a perverse policy underlying many ...



HuffPost

I Couldn't Afford To Pay My Student Loans. Then I Received A ...
HuffPost
Mark Wragg via Getty Images Why is it, in a day and age when more and more brown and black people are accessing higher education, that a bachelor's degree ...

and more »


Piggyback loans return, opening door to refinancing
Chicago Daily Herald
While rising interest rates have sharply reduced the number of mortgage borrowers who can refinance into a lower rate, rising home prices create opportunities for some borrowers to refinance into mortgages that are less costly in other respects.

and more »


People are getting loans to pay for their vacations
MarketWatch
Similar companies, including Airfordable and BookIt.com's PayDelay, specialize in travel installment loans. And lenders that typically offer personal loans, including Affirm and Marcus by Goldman Sachs, also advertise “travel” or “vacation” loans.



Washington Times

Here's the entire field for the 2018 Quicken Loans National at TPC Potomac
Washington Times
Tiger Woods, Rickie Fowler and Francesco Molinari are among the biggest names who will play in next week's Quicken Loans National at TPC Potomac at Avenel Farm in Potomac, Md. The event will first open to the public Wednesday for the pro-am, followed ...


Google News

home | site map
TIGER MEDIA© 2006