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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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Inquiries Into Reckless Loans to Taxi Drivers Ordered by State Attorney General and Mayor The New York Times The New York attorney general's office said Monday it had opened an inquiry into more than a decade of lending practices that left thousands of immigrant taxi ... Billionaire Robert F. Smith Pledges To Repay Loans For 2019 Morehouse College Class NPR NPR's Mary Louise Kelly talks with American University professor Ibram X. Kendi about billionaire investor Robert F. Smith's pledge to the Morehouse College ... Regulator tells banks to watch out for leveraged loans Yahoo Finance The Office of the Comptroller of the Currency, one of the nation's top banking regulators, is telling bank boards and management to monitor their relationships in ... Robert F. Smith Vows to Pay Student Loan Debt at Commencement '19 Bloomberg Billionaire Robert F. Smith stunned students at Morehouse College when he vowed to pay off the student loans of every member of the class of 2019. That billionaire who paid off a graduating class's student loans also supports the hedge-fundie's favorite tax loophole Boing Boing Billionaire Goldman Sachs alum Robert F Smith made headlines when he donated enough cash to pay off the student loan debt of the entire Class of 2019 at ... Billionaire philanthropist shocks Morehouse grads by promising to pay off loans ABC News While most commencement speakers offer words of encouragement to college graduates headed into the cold and cruel work world, billionaire philanthropist ... The tax-smart way to loan money to family members MarketWatch You may want to help a young family member buy a first home or help a financially challenged relative or friend by loaning that person some money. As Thousands of Taxi Drivers Were Trapped in Loans, Top Officials Counted the Money The New York Times The government profited and looked away as thousands of immigrant taxi drivers in New York were ravaged by exploitative loans. My family will pay off your loans, billionaire tells graduating students – video The Guardian Robert Smith, a billionaire investor, surprises students at Morehouse College in Atlanta, Georgia, by using his speech at a commencement ceremony to pledge ... Billionaire pays off loan debt for hundreds of students CNN Morehouse College seniors got a surprise when billionaire investor Robert F. Smith announced during his commencement speech that he would pay off the ... Oprah Claps Back After She's Called Out Over Comparison to Billionaire Paying Off Loans The Blast Oprah was all about education over the weekend, because after speaking at the University of Colorado, she dropped some knowledge about her humanitarian ... Is There a Statute of Limitations on Student Loans? NerdWallet Federal student loans have no statute of limitations, but private student loans do. Once it passes, a creditor can't sue you, but your loans don't go away. US billionaire clears 400 student loans BBC News Robert F Smith made the commitment to graduates at Morehouse College in Atlanta, Georgia. Is a college degree worth owing thousands in student loans? KXAN.com Americans now owe more than 1.5 trillion dollars in student loan debt. That's more than we owe on our cars, credit cards and second only to mortgage debt. NY Morehouse Grads React to Having Students Loans Paid NBC New York A billionaire philanthropist agreed to pay off the student loans for the entire graduating Morehouse College class of 2019 — totaling about $40 million. NBC 4 ... Louvre struggles to gain loans for Leonardo show Art Newspaper High-level diplomacy is being used to secure the artist's most important works for blockbuster anniversary show in Paris. Morehouse College graduates cheer after billionaire pledges to clear their loans Idaho Statesman The class of 2019 at Morehouse College received a commencement speech to remember on May 19 when billionaire Robert F. Smith announced his family ... U.S. is stepping up enforcement of delinquent student loans Los Angeles Times The U.S. collected $3.3 billion of delinquent student debt in the first half of this fiscal year. That's up from $2.9 billion in the full year before. Philippines Prefers China Loans Over U.S. ‘Strategic Confusion’ in South China Sea Bloomberg The U.S. is projecting “strategic confusion” in the South China Sea, the Philippines' top diplomat said, prompting the Southeast Asian nation to deepen its ties ... Consumer tip: How to handle student loan debt Marin Independent Journal One of the major types of debt many consumers carry are student loans. An inability to repay student loan debt may prevent people from purchasing homes or ... Surprise! Compton Student's Loans Paid Off NBC Southern California A billionaire commencement speaker made a stunning promise -- to pay off the graduating students debt. Now a Compton student at Morehouse, more than ... Cleveland City Council targets $200,000 toward loan program to jump start new small businesses cleveland.com The city will partner with the non-profit organization Kiva Microfunds to help make startup loans to as many as 60 small businesses over the next three years. How Do Loans Work? | US U.S News & World Report Money Taking out a loan can help you in the short term, so be smart about how you pay it back so you don't have to worry about debt in the long term. Don't Be Tricked By These 3 Student Loan Scams Forbes Beware of these financial scams. Protect your student loans. Forest Park man's student loan debt to be paid off by tech billionaire WKRC TV Cincinnati FOREST PARK, Ohio (WKRC) - On Sunday, billionaire Robert Smith made a pledge to Morehouse College's graduating class during his commencement ... "Head-On" Approach Best Strategy for College Loan Debt KDLT News SIOUX FALLS, S.D. – After years of hard work, many college students have not only been achieving in the classroom but also accumulating debt. The average ... Morehouse College grad shares plans after loan debt paid CNN Morehouse College graduate Elijah Nesly Dormeus explains what billionaire investor Robert F. Smith paying off his student loan debt means to him. ‘Completely shocked:’ Raleigh man describes moment commencement speaker said his loans would be paid for WGHP FOX 8 Greensboro ATLANTA — A Raleigh native attending Morehouse College in Atlanta says he is thrilled to find out that all of his student loans will be paid off by the Class of ... Attorney General Brnovich Sees No Need To Regulate Arizona's High-Interest Loan Business KJZZ While consumer advocates circulate an initiative banning predatory car title loans, Arizona Attorney General Mark Brnovich appears to be siding with another ... Billionaire tells grads he'll pay off their student loans Reuters.com Billionaire Robert F. Smith, this year's commencement speaker at Morehouse College, told the graduating class he's paying off their student loans. Rough Cut ... Sanders and AOC want to cap credit card interest rates with the Stop Loan Sharks Act Vox.com Cheaper (but scarcer) credit cards and the end of payday loans. VA loan series: VA vs FHA vs USDA | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports VA loan *service* requirements are important when it comes time to get a VA mortgage. Depending on your *service* status it's possible to avoid funding fees. When you play the Game of Loans, you pay either way MarketWatch Money and life lessons we learned from 'Game of Thrones' Your money: Cosigning a student loan? Be prepared to pay Reuters (This May 16 story corrects 10th paragraph to clarify that 96% of cosigns are for undergraduate loans.) FILE PHOTO: Messages and artwork are pictured on the ... Borrowing from your 401(k) is easy. But should you really break open that piggy bank? USA TODAY Nearly 3 in 10 Americans dip into retirement savings, says Transamerica. It pays for higher education, lowering debt and covering medical costs. Ex-Credit Suisse banker pleads guilty to U.S. charge over... Reuters A former Credit Suisse Group AG banker pleaded guilty on Monday to a U.S. charge that she helped launder money from a kickback scheme involving $2 billion ... Billionaire Robert F. Smith pays student loans for graduating class of 2019 - KUSI Right after @RFS_Vista tells the Class of 2019 he will cover their student loans #MorehouseGrad2019 #MVP @Morehouse pic.twitter.com/wMD1DfOTfT. How New York taxi drivers were conned and bankrupted by medallion loan sharks Boing Boing I don't think I could concoct a more predatory scheme if I tried. This was modern-day indentured servitude.” That's what Roger Bertling, the senior instructor at ... CFPB Chief Says Education Department Is Blocking Student Loan Oversight NPR The Consumer Financial Protection Bureau's Kathy Kraninger says the department is getting in the way of efforts to police the student loan industry. Elizabeth Warren: Let Student Loans Be Discharged In Bankruptcy Forbes Will you be able to discharge your student loans in bankruptcy? Elizabeth Warren hopes so. Here's what you need to know. The Student Borrower Bankruptcy ... Students and their families need support systems before they're saddled with college debt CNBC State and local governments need to find the resources to help families make smarter financial decisions about college during children's high school years. How one woman used minimalism to pay off $50,000 in student loans in 2 and half years NBC News By looking at minimalism as a lifestyle instead of a sacrifice, Jennifer Chan paid off $50000 in loans in a few short years. 'Warren Buffett' Isn't Shorting Bitcoin: New Crypto Loan Report Concludes Bitcoinist Bitcoin is used less for speculation than altcoins and naysayers like Warren Buffett are not shorting BTC, a new report conclues. Student Loans Paid Off for Morehouse Class of 2019 Wall Street Journal Robert F. Smith, keynote speaker for Morehouse College's commencement ceremony, said he would pay off the college debt of the class of 2019, approximately ... Student-loan borrowers are using their vacation days to pay off their debt MarketWatch This new employee benefit lets workers trade in their paid time off. Trade Battle Poses Risks for Junk-Loan Machinery The Wall Street Journal The recent escalation of U.S.-China trade tensions is threatening to cut short a nascent recovery in the market for collateralized loan obligations. One way to tackle the student loan crisis: bankruptcy court The Washington Post Why is student loan debt treated differently than all other consumer debt? Behind on bills? A new personal loan will help, TransUnion study says USA TODAY One counter-intuitive way to help someone who's fallen behind on bills is to give them another loan, according to a new TransUnion study. They Live Here Legally, But The Trump Administration Won’t Give Them Housing Loans BuzzFeed News The government is denying federal housing loans to young immigrants with DACA status, even after Ben Carson said it wasn't happening. Billionaire to pay off all Morehouse graduating seniors' student loans Yahoo Finance Billionaire Robert F. Smith, founder and CEO of private equity firm Vista Equity Partners, announced he would pay off the student debt of the entire Class of 2019 ... WH applauded for taking initiative re: student loan crisis OneNewsNow The Trump administration appears to be stepping up to do something about the wildly expensive, out-of-control student loan crisis. What’s Scarier Than Student Loans? Welcome to the World of Subprime Children The New York Times Income share agreements sound like a better deal than today's student loans, but what will they do to society? U.S. Stepping Up Enforcement on Delinquent Student Loans Bloomberg Your rich Uncle Sam is calling in his chips. The U.S. government stepped up collections on delinquent student debt to $2.9 billion last year -- or an average of ... Education Department hinders policing of student loans, consumer agency says POLITICO The head of the Consumer Financial Protection Bureau says the Education Department is impeding access to information that regulators need to oversee the ... Congress grapples with loan forgiveness program Politico Student debt surprise at Morehouse — Sanders takes on charter schools. Pete Buttigieg made $75K on his book deal, but owes much more in student loans, disclosure finds USA TODAY Democratic presidential hopeful Pete Buttigieg has lots of student loan debt and received a $75,000 advance for his political memoir, according to financial ... Bernie Sanders: 'Exploitative' payday loans in Wisconsin average 574% annual rate PolitiFact Ramping up his latest push for the White House, Bernie Sanders is taking aim at high interest rates on credit cards and payday loans. The Vermont senator ... Elizabeth Warren calls Navient ‘scammers’ after student loan giant celebrates making the Fortune 500 MarketWatch The company is facing multiple lawsuits from the CFPB and states attorneys general. More states pass student loan servicer laws Politico Education groups pan White House cut to Pell surplus — House Veterans Affairs Committee tackles school closures. Federal Student Loan Interest Rates Decrease For New Borrowers In 2019 - 2020 Forbes For the first time in three years, the interest rates on Federal student loans will decrease anywhere from seven to ten percent depending on the loan type. Thinking of cosigning a student loan for your child? You might regret it CNBC As the cost of college rises, more parents are cosigning private loans for their children's education. That move can leave them on the hook for the debt if their ... Surging Auto Loans Help Fuel Rise in American Household Debt Bloomberg The auto loan has flourished among American consumers over the last two decades, with its prevalence among the U.S. population rising each of the last seven ... Interest-only loan growth: A harbinger for recession? | TheHill The Hill Interest-only loans are on the rise, which has some analysts spooked that the economy is already trending toward a recession. If only it were that easy to foretell ... Malaysia Turns to Property Crowdfunding as Banks Reject Loan Applications Bloomberg Malaysia's government is turning to the wealth of the masses, instead of reticent banks, to help solve a $4.8 billion property overhang. Find out if you qualify for a student loan debt forgiveness program KTRK-TV Consumer Reports say there may be relief ahead if you qualify for a student loan forgiveness program. Parents Owe $89 Billion In Student Loans - Here's What To Do About It Forbes When you think of your golden years, you think of rest, relaxation, travel and the good life. The last thing on your mind: student loans. Yet, for millions of ... Side Hustles to Help Pay Off Your Student Loans U.S. News & World Report Any extra funds applied to student loan debt will shorten the time it takes to pay it off. Martin Lewis issues loans WARNING and advises where to get the best loan rate now Express Last summer, Catherine thought she was doing right by using a credit reference agency's eligibility tool, to find a cheap loan for £1,000, "It came up saying, 'you ... Loan program milestone: RGV-pioneered franchise reaches 50000 mark Brownsville Herald The Community Loan Center, an employer-based, small-dollar loan program pioneered in Brownsville in 2011 and now franchised around the United States, ... VA Home Loan Secretly Ripped Off Veterans By $150 Million DisabledVeterans.org For the past five years, the VA Home Loan program has knowingly withheld $150 million in refunds for certain disabled veterans. A special investigation by my ... It could become easier for people with student debt to file for bankruptcy CNBC Lawmakers could make it easier for student loan borrowers to cancel their debt in bankruptcy. The bill, which is supported by 14 Democrats, one Republican and ... Robert Smith Forgives Student Loan Debt for 400 Morehouse Graduates Fortune It was a commencement speech for the ages: The private equity billionaire's gift is worth $40 million. Consider these “5 C’s” before applying for a bank loan for your small business Philly.com A traditional bank loan remains a popular way to borrow because they are cheaper and come along with other helpful services like online banking and cash ... Income-based repayment is the best solution to student debt Quartz at Work Here's the problem with student debt: It's only a problem for some people. Americans of all ages owe almost $1.5 trillion in student loans and so many Americans ... New bill links 401(k) matches to student loan payments InvestmentNews A bill that includes a provision to make it easier for companies to contribute to the retirement accounts of employees who are paying down student debt was ... Top Finance Dem offers bill to help those repaying student loans save for retirement | TheHill The Hill Sen. Ron Wyden (D-Ore.), the top Democrat on the Senate Finance Committee, on Monday introduced a bill aimed at making it easier for those with student loan ... Teachers Begin To See Unfair Student Loans Disappear NPR Nearly 2,300 teachers have just had a mountain of student loan debt lifted off their backs, according to previously unreleased figures from the U.S. Department of ... 6 Ways a Personal Loan Can Benefit You Student Loan Hero Personal loans are a versatile financial product. You can use your funds to afford a big purchase, consolidate debt or handle a hefty bill. See other ways a ... bharatpe: BharatPe lines up loans for merchants Economic Times It is also planning to apply for its own lending licence to lend to merchants who are accepting payments through BharatPe QR codes. Millennials struggle under the burden of student loans CBS News Taylor Smith graduated college with 11 student loans and $53000 in debt. RI treasurer's small business loan program expands Turn to 10 Rhode Island Treasurer Seth Magaziner's small business loan program is expanding. Magaziner says his “BankLOCAL” initiative now includes two new banks, ... To Make Ends Meet With Rent, Some Millennials Turn To Loans From Startups WBUR For younger renters looking for help on payments, there's a new solution: loans from startups. We look at the details and pitfalls. 'Quite remarkable': Consumer watchdog says Department of Education is obstructing student loan oversight Yahoo Finance The Consumer Financial Protection Bureau (CFPB) Director Kathy Kraninger may have been blasted for her bureau's poor oversight of predatory student loan ... What Is a Business Working Capital Loan? U.S News & World Report Money For small businesses, working capital loans can fund short-term needs and unplanned expenses that cash flow can't cover. To boost equity, give public loans to pot startups The Boston Globe Sonia Chang-Díaz's amendment would move Massachusetts closer to reaching its goal of a truly equitable cannabis industry. Former Greg County GOP chair admits to using loan documents with forged signatures to obtain $145K KLTV An East Texas businessman admitted to using loan documents with forged signatures in order to get personal and commercial loans for a total of $145000 from ... How the student loan 'grace period' can actually make your debt problem worse CNBC The student loan “grace period” is a six- to nine-month reprieve from having to pay back your loans that starts from the time you graduate or drop below half-time ... Is Betsy DeVos Selling Your Student Loans? Forbes U.S. Secretary of Education Betsy DeVos may sell your student loans. Here's what you need to know and what it means. Potential Sale of Student Loans. The latest victims of the student debt crisis — parents CNBC Parents have collectively borrowed nearly $90 billion to pay for their children's college education. Here's how to reduce that burden. Warren, Nadler introduce bill to allow student loan borrowers bankruptcy relief | TheHill - The Hill Warren, Nadler introduce bill to allow student loan borrowers bankruptcy relief | TheHill The Hill A bipartisan group of lawmakers on Thursday introduced legislation to make bankruptcy relief available for student loan borrowers. Sens. Elizabeth Warren ... With this kind of debt, you can kiss your sex drive goodbye CNBC People dislike their auto loan payments, but there are ways to slim down the amount of debt. Zimbabwe must prove itself before seeking World Bank loans | TheHill The Hill Zimbabwe's authoritarian government is working with World Bank staff and outside powers to get the creditors to clear billions in arrears and restart loans. Tesla rolls out employee loan benefit as factory workers cope with unpredictable hours CNBC Tesla has rolled out a new benefit for its workers: employee loans, facilitated through the London-based financial tech start-up Salary Finance, and funded via its ... “Caught in a trap”: Virginians describe their experiences with payday loans, urging feds to regulate Daily Press Under the Obama administration, a consumer watchdog proposed new rules on lending. The Trump administration wants to roll them back. Morehouse College commencement speaker pledges to pay class off 2019's student loans KOMO News A billionaire technology investor and philanthropist says he will provide grants to wipe out the student debt of the entire graduating class at Morehouse College ... 6 Things to Know About Student Loans Before You Start School NerdWallet Before you start college, make sure you know the ins and outs of student loans for freshmen. That includes how to get a loan and what to use the money for. Household debt hits $13.6 trillion as student loan and credit card delinquencies rise Yahoo Finance Total U.S. household debt is now $993 billion higher than the peak of $12.68 trillion in the third quarter of 2008, according to a new report by the New York Fed. Subprime Bites: Auto-Loan Delinquencies Spike to Q3 2009 Level, Despite Strongest Labor Market in Years WOLF STREET Serious auto-loan delinquencies – 90 days or more past due – jumped to 4.69% of outstanding auto loans and leases in the first quarter of 2019, according to ... Trump Administration Hires McKinsey to Evaluate Student-Loan Portfolio The Wall Street Journal The Trump administration has retained private consultants to estimate potential losses in the U.S. government's $1.45 trillion student-loan portfolio and is ... |
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