What are Secured Loans?
Secured loans are one of the most popular personal loans options available today. Their popularity is based on the fact that interest rates are usually lower than other types of loan, and repayments are available over longer time periods.
A secured loan provides a means to raise a cash lump sum using some form of collateral on which the loan is secured. The collateral acts as security for repayment of the loan in the event that you are unable to meet your loan repayment commitments.
A secured loan is a loan where you pledge your home against the amount of money borrowed. In the event that you default on the personal loan, the lender can sell your home to recoup the loss.
A secured loan is a type of loan available to people with securable assets. Usually these assets take the form of property, such as a home; this is why secured loans are often referred to as 'homeowner loans'.
You do not have to own your own home outright to be able to take out a secured loan; if you have a mortgage you can put the proportion of the home that you own up as security.
Secured loans require some type of security to be provided to the lender. This security can be a home or other high valued possession. These items are provided to the lender as security or collateral in case the person who is taking out the secured loans does not repay the funds.
Secured loans are quick to arrange as property is always a good form of security for the lender. Consequently, the terms are normally better, with larger loan amounts, longer repayment periods and better interest rates than those you would obtain for an unsecured loan.
For people with little or poor credit history, a secured loan is probably one of the easiest ways to access credit.
Secured loans can be used for a variety of reasons including: home improvements, debt consolidation, mortgage arrears new car or luxury holiday.
The main benefit of a secured loan is that, typically, they offer a cheaper interest rate than unsecured loans. Getting approval for a secured loan is also a lot easier than for an unsecured loan.
If you are looking to borrow over a longer period of time and have assets available to place as security, a secured loan might be your best option to finance a large purchase, or to refinance existing debt.
You may freely reprint this article provided the author's biography remains intact:
About The Author
John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the http://www.directonlineloans.co.uk website.
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Finding a Cheap Secured Loan
In a time when everything seems expensive, it might seem impossible to find a cheap secured loan.Interest rates continue to climb, and prices everywhere continue to go up? but with a little patience and decent collateral (which is the property that you offer to guarantee repayment of the loan), it's relatively easy to find the cheap secured loan that you need.
A Brief History of Loans
No one can say for certain where the history of loans began? it's likely that people have been practicing lending and borrowing for as long as there has been a concept of ownership.The history of loans can be documented at least several thousand years back; forms of lending were evident in ancient Greek and Roman times, and monetary loans were even mentioned in the Christian bible.
Benefits of a Personal Secured Loan
A Personal secured loan can offer many benefits, some of which are listed below:Personal secured loans are loans that are offered to individuals rather than businesses.Rates for a personal secured loan will be way lower than for other loan products so it makes good financial sense for many of us over the term of our borrowings.
Federal Housing Administration (FHA)
FHA loan programs:FHA AccessFHA Cal GoldFHA Rural GoldFHA Mutal Mtg. InsuranceFHA 203 (k)FHA 203 bFHA 251FHA Title I programFHA MIP RefundThe Federal housing administration was created by Congress in 1934 as part of the national housing act.
Should I Get a Consolidation Loan?
If you've got a really unmanageable amount of credit card debt, you might be considering a consolidation loan. A consolidation loan is a loan that you can use to pay off all your debts, meaning that you can pay them off for less money without having to worry about lots of different bills.
Locating Cheap Personal Loans
Locating the cheap personal loans that you're looking for isn't always easy? sometimes it might seem as though there aren't any reasonably-priced personal loans to be found unless you have absolutely spotless credit or connections within the banking industry.Luckily, you don't need either of these to find some of the cheap personal loans that you're in the market for; all that it takes is a willingness to do some research and the conviction to keep shopping for a loan even when things seem hopeless.
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