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Loans Information |
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Facts You Should Know About Types of Loans
When you set out to borrow, you often come across terms like unsecured loans, revolving loans, adjustable rate loans, etc. While these terms are more or less self-explanatory, it is still useful to be clear on their exact meanings and what they imply before you finalize a loan contract. Unsecured versus secured loans As the name implies, a secured loan is one where you offer some kind of collateral against the loan. The agreement is that if you default on the loan, the lender has the right (but not the obligation) to take possession of the asset you have pledged. In most cases, this asset would be what the lender has financed. For example, when you take a home loan, you offer the home as collateral. There may also be cases where you may need to offer additional collateral over and above the asset that is being financed. This happens, for example, when the lender is financing close to 100% of an asset that is prone to rapid reduction in market value. In such cases, the lender may insist on your putting up another asset so as to provide a reasonable margin of protection in case of default. Unsecured loans are those where such collateral arrangements do not exist. These loans are granted based on your credit standing, ability to repay and other factors. In cases where there's a choice available to the customer to take either a secured or an unsecured loan, the former may be offered at a somewhat lower rate. That is, assuming every other factor remains equal. This is because of the lower risk involved to the lender, who has recourse to a specific asset in case you default. However, this situation is comparatively rare in consumer financing, although it is more common in financing businesses. Installment versus revolving loans A revolving loan is one where you have access to a continuous source of credit, up to a pre-determined credit limit. If the limit is say, $10,000, you can borrow any amount up to $10,000. And typically, you can repay all or part of the amount you borrowed at a time of your choosing, within the overall tenor of the loan. You pay interest only on the amount you borrow for the time you borrow it. Sometimes, banks may charge a commitment fee for making a revolving line of credit available to you. This fee is usually charged on the average unutilized amount of your limit. You can also re-borrow the amount you have repaid. In effect, you have a loan that's always available to you on demand. Unlike revolving loans, installment loans have a fixed repayment schedule. In most cases, the full amount of the loan is drawn down (i.e., borrowed) at once and both repayment schedule and amounts are fixed in advance. You do not have the option to re-borrow the amount that has been repaid. Adjustable rate versus fixed rate loans A fixed rate loan is one where the interest rate charged is fixed for the entire duration of the loan. The advantage is that you are immune to fluctuations in interest rates and can budget your cash outflows precisely. The disadvantage to you (the borrower) is that should interest rates fall, you lose in terms of opportunity costs. That is, you could have obtained a lower interest rate had you opted for an adjustable rate loan. In practice, you can always choose to refinance the fixed rate loan at a lower rate if interest rates fall sharply enough to justify it. Bear in mind that your current lender may charge a pre-payment fee if you choose to repay before due date. So the difference in interest rates between your old fixed rate loan and the new loan should be large enough to justify a switch. An adjustable rate loan is one where the interest charged fluctuates in line with a benchmark rate. This benchmark rate is usually the Prime Rate, which is what the US Treasury charges its prime (or best) borrowers. The advantage of an adjustable rate (or floating rate) loan is that what you are paying is more or less in line with the market. If interest rates decline, so do your costs and vice versa. The disadvantage is that your cash outflows for interest are unpredictable. As a borrower, if you hold the view that interest rates are going to decline, it is best to opt for an adjustable rate loan. But arriving at the correct view consistently is easier said than done. Predicting interest rates is a game where even professional market participants and institutions frequently go wrong. If it is important to you to be able to budget for your interest obligations in advance, a fixed rate loan may be the best choice. After all, you can refinance it should the interest rates fall significantly. Keeping these basic facts in mind should help you make more informed borrowing decisions. About the Author Prakash Menon is a financial expert and writer specializing in managing personal debt and providing wealth building solutions. He has written on payday loans, personal debt management and other related topics.
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Financial Firm Offers ‘Almost Instantaneous’ Loans Up to $30,000 With Crypto as Collateral Cointelegraph A company is offering cash loans of up to $30000 with crypto as collateral — all without borrowers needing to sell their digital assets. Mandatory Wage Garnishment for Your Student Loans Could Become Law The Root A Republican-backed proposal currently in the Senate could make automatic wage garnishment for your student loan payments become the law. Chattanooga, Cleveland to get millions in clean water, wastewater loans from TDEC WTVC Chattanooga and Cleveland are among five cities in Tennessee that will receive money from the Tennessee Department and Environment and Conservation ... Top Greek bank CEO calls on lenders to do more in reducing the country's bad debts CNBC The high level of bad loans in Greece is still the biggest issue that the embattled economy needs to focus on, the head of Piraeus Bank told CNBC Monday. How to tackle student loans Wink News In the United States, there are more than 44 million borrowers who collectively owe 1.5 trillion dollars in student loan debt. An average student in the class of ... Georgia Senate backs $18 million in new loans to hurricane victims Atlanta Journal Constitution The Georgia Senate is set to approve a midyear budget this week that would add $18 million in loans to farmers affected by Hurricane Michael and $2 million for ... Payday loans drove 37 per cent of Ontario insolvencies last year: report Yahoo Finance Payday loans are playing a role in a growing number of insolvencies in Ontario, according to bankruptcy trustee Hoyes, Michalos & Associates Inc. Marriott workers' lawsuit says inconsistent schedules and credit union loans are a predatory mix Philly.com Hourly Marriott workers in Philadelphia are in the midst of a lawsuit against the Marriott Employees Federal Credit Union, saying that the credit union's $500 ... Auto Loan Delinquencies Hit Record High WSB Radio A record 7 million Americans are 90 days or more behind on their auto loan payments, according to The Federal Reserve Bank's latest quarterly report on U.S. ... Is a Subprime Auto Loan Crisis Brewing? Knowledge@Wharton Are the struggles that millions of Americans are having in paying one bill a sign that trouble is brewing for the broader economy? Cleveland man loans gun to friend for Instagram threat, instead gets robbed cleveland.com CLEVELAND, Ohio – A Cleveland man loaned a gun to a friend who said he wanted to post a threatening picture on Instagram, but instead used it to shoot at the ... The risky 'leveraged loan' market just sunk to a whole new low Business Insider This is why Mark Carney is comparing corporate credit to the subprime crisis of 2008. Student Loans Report Finds Servicers Made Mistakes And Weren't Held Accountable Forbes A new audit shows that student loan servicers didn't always follow the rules, and then weren't held accountable. YSM lowers expected loans for qualified students Yale Daily News Starting next academic year, Yale School of Medicine students receiving need-based scholarships will only be expected to borrow $15,000 in loans to cover ... How High-Interest Loans to Desperate People Built a $90 Billion Industry Fortune About 12 million Americans use these high interest loans every year, both online and through about 16000 storefront offices. New Rules for VA Loan Refinances Military.com In a move designed to protect veterans from unscrupulous lenders, the Department of Veterans Affairs is announcing changes to a popular type of VA home loan ... Morigeau bill would give tribes access to loans from Montana's Coal Tax Fund The Missoulian Tribal governments would be allowed to access a state infrastructure loan program under legislation debated Monday in the Montana House Appropriations ... Organization offering lower interest home loans for teachers, law enforcement KFOR Oklahoma City OKLAHOMA CITY - A non-profit organization is hoping to make owning a home more affordable for public servants in the state. The Oklahoma Housing Finance ... Employer-paid student loan repayment help could be coming CBS News A bipartisan bill would let companies contribute up to $5250 tax-free annually toward workers' student loan debt. You tell us: do leveraged loans pose a threat to the US economy? Financial Times As part of a comprehensive series on leveraged loans, we published a debate on whether the rapid growth of this form of corporate finance posed a risk to the ... Polito pays herself back $226,000 in loans from decades-old campaigns The Boston Globe With six figures in the bank and reelection in the rearview, Lieutenant Governor Karyn Polito paid herself back more than $226,600 in campaign loans shortly ... More Americans are behind on their car loans than ever before CNN More than 7 million car loans were past due by at least 90 days in the fourth quarter, according to data released this week from the New York Federal Reserve. Student loan payments may soon come directly out of your paycheck FOX 5 DC (FOX News) - Your student loans could be automatically deducted from your paycheck each month if a new proposal from Republican Sen. Lamar Alexander ... Senator Proposes Sweeping Student Loan Reform Forbes Senator Lamar Alexander (R) of Tennessee has proposed significant student loan reforms as part of the reauthorization of the Higher Education Act (HEA). Federal loans available to small businesses impacted by the natural gas outage WLNE-TV (ABC6) Small businesses that lost out during the natural gas outage on Aquidneck Island have an opportunity to get some financial help. TSAHC Recognizes Top Loan Officers and Mortgage Companies for their Commitment to Texas Home Buyers GlobeNewswire Austin, Feb. 19, 2019 (GLOBE NEWSWIRE) -- The Texas State Affordable Housing Corporation (TSAHC) helped 9,425 Texas families purchase a home in 2018 ... Expensive Loans to Desperate People Built This $90 Billion Industry Bloomberg During the partial government shutdown, Wilbur Ross couldn't understand why furloughed workers didn't just “get a loan.” No-interest loans help individuals, small businesses succeed in Cleveland News 5 Cleveland It wouldn't have been possible without a no-interest loan from HFLA of Northeast Ohio. Younger already owed a lot of money and other lenders likely wouldn't ... Seriously Delinquent Student Loan Debt The Beacon U.S. government-sponsored student loan debt has become an escalating problem for the finances of many American households. The latest household debt ... S&P sees Turkish lira falling till 2022, bad loan levels doubling Yahoo Finance Credit rating firm S&P Global expects Turkey's lira to fall steadily for the next three years and the level of bad bank loans to double to 8 percent in the next 12 ... Burden of student loans cause depression, problems for young adults KCTV Kansas City American student loan debt totals more than $1.53 trillion, according to the Federal Reserve. B.C. Budget 2019: Interest on provincial portion of student loans eliminated Vancouver Sun "Students with loans will immediately have money put back in their pockets," says Aran Armutlu, chairperson of the B.C. Federation of Students. Want a loan? Better not mention you’re a vegan The Guardian NatWest has apologised and paid compensation after a woman seeking a loan for a vegan nutrition course was told 'all vegans should be punched in the face' Is this the way to curb student loan defaults? Washington Post Advocacy groups are debating the merits of automatic payroll deduction for student loan repayment as the Republican chair of the Senate education committee ... Ex-Workers Get More Time to Repay 401(k) Loans Kiplinger's Personal Finance If you leave your job while you have an outstanding 401(k) loan, Uncle Sam now gives you extra time to repay it thanks to the new tax law. This New Program Will Pay $75,000 Of Your Student Loans Forbes There's a new student loan repayment program - and it can help you repay student loans to the tune of $75,000. Here's what you need to know. New Student ... Payday Loans Are No Worse Than Avocado Toast Forbes The CFPB is proposing es to rescind key provisions of its 2017 payday lending rule. Good. The old rule threatens to starve millions of hard working Americans ... Trade War Update: China Exports Up, Loans Up And U.S. Investments In China Up Forbes Meanwhile, trade negotiations continue as China hopes to outlast Trump's tariff push. Fight Substance Abuse, Get Your Student Loans Paid Forbes A federal agency will help pay down your loans if you commit to fighting substance abuse. FSA audit: Oversight of U.S. student loans lacking UPI.com The U.S. Department of Education's student loans unit failed to oversee and hold accountable the companies it pays to manage the nation's student loan debt. Bank of Greece Probes Loan Given SYRIZA Minister Polakis, He Leaks Phone Call The National Herald ATHENS – Bank of Greece Gov. Yannis Stournaras brought top officials of Attica Bank in to explain why a 100,000 euro ($112,987) loan was given provocative ... Here are some ways to pay off student loans, using other people's money CNBC You don't have to rely on just your paycheck for your student loans. Volunteering, apps and even some jobs could help you pay down your debt. Pros and cons of tax refund loans and debit cards CBS News The major tax-preparation companies all offer products and services that can help -- but they come at a cost. Americans getting behind on car payments: What it could mean Detroit Free Press Experts are raising concerns, especially for the Motor City, about the rising cost of cars and a weakening economy. This start-up is bringing fast home equity loans to your smartphone bank app CNBC Blend's *service* is the latest example of a tech start-up working with banks, rather than competing against them, to bring easier-to-use digital services to the ... Rebecca Ritzel's Student Loan Provider Didn't Seem to Care That She Had Cancer. So She Took Action. Washingtonian How reporter-turned-advocate Rebecca Ritzel went straight to Capitol Hill and helped other cancer patients under crippling debt pass a bill in Congress. Eyota council OKs EDA loans to help grocery store buyers PostBulletin.com EYOTA — No deal is done, but this one is inching closer to the finish line. GOP wants to grab student loan payments right out of your paycheck Boing Boing Republican Sen. Lamar Alexander has introduced a plan to completely upend the existing student loan payback system. How big is this plan? About 40 million ... Car loan delinquencies: Record 7 million Americans behind on car loan payments CBS News Chicago — A new report on household debt finds a record 7 million Americans are at least 90 days behind on their car loan payments. Alana Frierson painfully ... How To Never Get Rejected For Student Loan Forgiveness Forbes You've read the headlines: 99.5% of people were rejected for student loan forgiveness. Here's what to do about it so you never get rejected for student loan ... India's bad-loan ratio now worst among top 10 economies Economic Times The RBI said in December that the ratio for banks fell for the first time since 2015. Trump Promised to Blow Up the Rigged System. It’s Just Screwing People More Efficiently. Esquire There's an auto-loans bubble in Trump's America, and 7 million people are now caught up in it. Should You Refinance Your Federal Student Loans? Forbes It's a popular question on Google: "Should you refinance your federal student loans?" Here's what you need to know. Student Loan Refinancing. Student loan ... Pa.'s FedLoan cited for 'failed-call rate' for student loans. US Education Dept. 'asleep at the wheel,' report says. Philly.com FedLoan's failure rate was 10.6 percent in April 2017, more than double the average of 4.3 percent for all services. Sometimes, a 401(k) Loan Could Be a Good Thing ThinkAdvisor While trying to time the market is a flawed and futile exercise, timing the taxation of investments is not. In fact, as an “advisor” (not “adviser”) I would argue this is ... Predatory loans offer tempting stopgap for federal workers missing second paycheck NBC News The repo man appears to be closing in on Karrie Wright and her co-workers at a hospital for federal prisoners in Missouri. That's because, for the second time on ... Over 60, and Crushed by Student Loan Debt The Wall Street Journal Older Americans are struggling under the burden of student loans—their children's and their own. How Japan’s farmers and fishermen backed the leveraged loan boom Financial Times Agricultural lender Norinchukin, burnt a decade ago by debt products, piles back in. Personal Loan vs. Home Equity Loan: Which Is Better? U.S News & World Report Money Personal loan approval is quicker. But a home equity loan could have a lower interest rate and potentially offers borrowers more flexibility. It depends on what ... Beware: The Top 3 Student Loans Scams Of 2019 Forbes Protect your student loans from these financial scams. Consumer Protection Bureau Cripples New Rules for Payday Loans The New York Times Payday lenders won a major victory on Wednesday after the Consumer Financial Protection Bureau moved to gut tougher restrictions that were to take effect ... Wall Street Sees No Evil as Junky Loans Surpass $1.3 Trillion TheStreet.com The Federal Reserve is sounding alarms on the growing risks from loans to companies with poor credit ratings. So are the International Monetary Fund, ... Study finds student loans may help increase academic achievement in community college Inside Higher Ed A new study challenges the notion that student loan debt is bad for people attending community colleges and finds that borrowing may actually increase their ... Wilbur Ross says government employees should just get loans, but it's not that easy CNBC Here's the help major banks are offering to government workers affected by the shutdown. My mom co-signed for my student loans. Will it affect her credit if I don't make the payments? East Idaho News Dear Dave,. My mom is single, and she co-signed on my student loans for college. Would it affect her credit if I couldn't or didn't make the payments? Terri. America's Car Loan Debt Is out of Control and Getting Worse Jalopnik The sad truth about living in a country that has no real serious commitment to mass transit is that if you don't live in New York City, Boston, Washington, D.C., ... What Credit Score Do I Need for a Home Loan? Yahoo Finance You can get a home loan with a surprisingly low credit score, but there's good reason to aim higher.Image source: Getty Images. Student Loan Interest Deduction: Eligibility and How to Claim It TheStreet You may be able to claim a student loan interest deduction that could lessen your taxable income based on a number of factors. What makes you eligible for it? Historic black church pays off loans of Howard University students | TheHill The Hill A historic black church in Virginia made a $100000 donation to help cover the student debt owed by 34 students at Howard University, Seven Million Americans Delinquent on Auto Loans Could Be a Bad Sign MSN Autos Think about the impressive number that is $1.3 trillion. That's the total amount of auto-loan debt in the United States today, representing a $584 billion increase ... Norway Sets Credit Limits for Booming Consumer Loan Market Bloomberg Norway stepped in to limit the growth of high interest rate consumer loans and credit card debt to protect the economy from ballooning household leverage amid ... Loan of $100 million from Taiwan gives lifeline to Nicaragua's Ortega Reuters Nicaragua's congress on Tuesday accepted a $100 million loan offered by Taiwan, giving a line of support to President Daniel Ortega's government, which has ... Boston Tech Watch: Student Loans, Google in Kendall Square & More Xconomy General Electric may have backed off its plans for Boston, but at least it's not leaving town. A student loan startup in Boston eyes help from Capitol. Witness: Mangano played key role in Singh's loans Newsday Edward Mangano played a key role as Nassau county executive in securing Oyster Bay's backing for millions in loans for Harendra Singh that prosecutors ... Forget taking out a student loan. Purdue University has come up with a new way to pay for college CNBC Purdue University says it is the first four-year institution in the country to offer an income-sharing agreement, or ISA. Under Purdue's Back a Boiler program, ... What to Do About a Surprise Student Loan Bill Lifehacker If you've paid off a student loan, you know how euphoric it feels to send in that last payment. You're so happy to be free from the loan's weight you might throw a ... Prominent Republican wants to take student-loan payments out of your paycheck MarketWatch Senator Lamar Alexander of Tennessee floated the proposal as part of a speech outlining reforms to the student-loan system. Go into debt to pay rent? California startup finances your rent with high-interest loans The Mercury News Domuso offers loans to tenants struggling to pay move-in costs or monthly rent, with an average interest rate of 27 percent. China’s private firms going bankrupt after guaranteeing others’ loans South China Morning Post Banks reluctant to lend to non-state sector without a guarantor, so cross-guaranteeing is common and one bad loan can trigger multiple defaults. Banks may have to write off nearly Rs 30,000 cr of loan to IL&FS entities Moneycontrol.com A large part of provident fund investments are in the Rs 50500 crore assets,” the source said, adding, “..and they are likely to take a significant hit, as they will get ... How One Woman Paid Off $110000 In Student Debt Before She Turned 30—Without Sacrificing Her Social Life Cosmopolitan.com The totally doable way one woman crushed her student debt—and still had a life. Warnings over leveraged loans are not mere fear-mongering Financial Times New dangers emerging in the credit markets should not be dismissed. Low-Interest Loan Options for Furloughed Federal Employees U.S News & World Report Money When you're living paycheck to paycheck, missing one pay period because of a work furlough can derail plans for your budget and overall financial health. Shutdown highlighted need for bank-backed small-dollar loans American Banker Regulators should clarify rules around deposit-advance products so that banks can serve consumers seeking short-term loans, like those affected by the recent ... Slippery slope? Unconventional home mortgages are on the rise The Real Deal Unconventional mortgages — the likes of which were criticized for their role in the financial crisis — are making a comeback. These loans are aimed at buyers ... Mediation fails to resolve dispute over €2.43bn Quinn loans The Irish Times Action by Sean Quinn's five adult children against IBRC will go to trial on March 5th. Money Saving Expert Marin Lewis reveals why student loan companies could owe you hundreds of pounds Manchester Evening News Speaking on The Martin Lewis Money Show he said that in the last three years more than 100000 people started paying back their loans too early. Park Avenue's Lever House CMBS loan lost $68.3M: report New York Post The loan was sold for $12.8 million, below the most recent valuation of the “collateral” of $14.9 million and down from $150 million in 2005. How does the government shutdown impact mortgage loans? WEAR ESCAMBIA COUNTY, Fla. (WEAR) — The local housing market is being impacted by the partial government shutdown. Several types of mortgages are ... Student Loans Becoming a Retirement Issue Wall Street Journal Parents are better off dealing with the temporary tears of a teenager unable to attend a high-cost dream college. Quicken Loans launches new Rocket Mortgage logo Crain's Detroit Business Quicken Loans Inc. has a new logo for its Rocket Mortgage product, and there are no rocket ships involved. The Detroit-based mortgage lender, which debuted ... Scottish GPs given £20m extra for sustainability loans over next two years Pulse A total of £50m will be invested in sustainability loans for Scottish practices over the next two years – a substantial boost on the £30m already set aside - the ... Stretching Your Dollar: New student loan proposals could impact your paycheck WTOL Student loan debt is a growing problem in this country. HBL creates history by digitally disbursing personal loans of over Rs1 billion - The Express Tribune HBL creates history by digitally disbursing personal loans of over Rs1 billion The Express Tribune HBL, Pakistan's largest bank, has made history by disbursing personal loans of over Rs1 billion through its mobile app. This has been achieved within five ... Purdue grad wins $10,000 toward student loans through trivia app Journal & Courier Givling crowdsources funds for debt through trivia game. Greece to Subsidize Mortgage Payments to Tackle Bad Loan Crisis Bloomberg Greece plans to pump as much as 1 billion euros ($1.1 billion) into its banks over the next five years by subsidizing a part of households' mortgage repayments. |
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