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FAQ
How do bridge loans work?
If you want to buy a new house but you don't have enough money for that because you have not sold your current house yet, your best option is to apply for a bridge loan. As the name states, this short-term mortgage program works as a bridge between two deals - you use the borrowed money to purchase a new house while you are looking for a buyer of your current property or closing the deal. Then, when the purchase is complete, you have from six to twelve months to return the debt. The term of a bridge loan depends on a lender and your loan contract, but usually, the payoff period does not exceed one year.
What are loan origination fees?
Lending organizations do not just give their borrowers money. Providing loans is not charity, but a business aimed to make more money. That is why loans are loaded with fees, extra costs, and interest rates. One of such charges is a Mortgage origination fee. This is a type of fee that lets a lender make a profit out of every loan provided. There are tons of ways to charge a borrower with a loan fee. So before signing a contract and receiving your LE, you will need to ask your lender about the origination fees that will be listed in the document.
What is difference between secured and unsecured loan?
We can say that the contrast between unsecured and secured mortgages and loans is very simple because all the difference is based on the issue of whether a loan must be secured by some assets which a bank could sell in case of a default. These assets can be in the form of real estate or some other ownership, for example, cars or market stocks. Secured loans usually take more time to be approved. Also, assets may need to go through value assessment. However, due to the fact that they are secured, they have lower interest rates and additional fees. Also, it is easier to be qualified under a secured loan.
How does a personal loan work?
When people need money to finance a wedding, a home renovation, a serious purchase that they cannot afford right away, or if there is some sort of emergency that requires a significant money investment, then people apply for a personal loan. A personal loan is usually not that massive as a mortgage, which is a more substantial sum of money that people borrow to purchase a house. Personal loans can be secured or unsecured. A secured loan requires collateral - something that a lender can use to compensate their loss if a borrower fails to pay off a debt. An unsecured loan requires no collateral.
How to check loan status?
There are several ways to check your loan status. First of all, you can contact your loan company and ask their customer service to track your loan status. You can do it by phone or via email. The second option is to check your loan status offline - this means that you will need to visit your loan company (or its branch) and speak directly to one of their loan officers. Finally, you can loan tracking services on your loan company's official site.
What can be used as collateral for a personal loan?
Collateral is something that a borrower offers to serve as compensation if they fail to return the borrowed money. This practice is basic for so-called secured loan offers. With collateral, a lender secured their investments. So if a borrower cannot pay off a debt, the lender will keep collateral with no legal repercussion against the borrower. Collateral may have many forms: a house, a car, jewelry, basically, anything of value equal to the size of a loan. Other options include home equity, investment accounts, paychecks, fine art, inventory, etc.
How does a secured loan work?
A "secured loan" term is quite self-explanatory. This is a type of loan that is secured, which makes lenders investment protected. The principle is as follows: a borrower applies for a loan and then receives the money, but a lender asks for collateral to protect the investment. This may be something of value that a borrower will give to the lender as insurance. This way, if the borrower fails to return the money, the lender will keep collateral as compensation. With such a scheme, no additional legal repercussions against the borrower are needed.
How to calculate amortization on a loan?
An amortized or amortizing loan is a type of loan offer that implies regular payoffs for a certain time span. When paying off an amortizing loan, its portions are shared between interest and principal. To calculate your loan's amortization, multiply the loan's yearly interest rate by twelve. After that, if you want to know the size of the interest that you will need to pay for the current month, you can do this via an online calculator.
What is a line of credit?
A line of credit, or simply LOC, is a limit of the amount of money that borrower can take at any time. Moreover, a borrower can take money multiple times. Usually, the notion of the line of credit is used by banks when they set a limit to which a client can spend money from the credit card. A line of credit can be easily changed by the agreement between a bank and a client if a bank would be sure that the borrower has enough income level. Furthermore, a credit line can be not only personal, but also it can be designated for a family or business.
What is a personal loan?
We can describe a personal loan as a type of financial loan which allows a physical person to take money for some expenses like a wedding or car fixing. Unlike with credit cards, a personal loan is paid only once and only for the exact purpose; personal loans are usually issued by banks and other financial organizations. Also, personal loans, like every other type of loan, have an interest rate and principal. Moreover, banks like to secure personal loans, so taking one a borrower would have to secure it with the property as collateral.
What is a bridge loan?
Bridge loans are a specific type of loan that is usually given for an extremely limited period of time. The maximum term in many banks is only twelve months. Since the bank urgently issues a large amount of money for a short period, the interest rate is high. This loan is usually needed in cases where a borrower needs to get a source of money before they sell their property or receive income from a startup. Often people take out a loan to buy a new apartment or house before they find a buyer for the old housing.
How much money can i afford in a loan?
There is no exact answer to this question as banks provide different conditions for various cases. They check your gross income and decide whether you can afford to pay off your credit line with this money. Usually, the banks agree to provide a loan for a sum equal to 28% of your gross income. There are alternatives when banks can give you bigger funds but with less profitable terms.
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Customers reviews
Wendy Atcheson
Fast processing of applications
I happened to ask for help from the company Zangocash. Honestly, such a high-quality and responsible approach to solving customer problems is rare! Firstly, the employees quickly processed my application and responded to it. Secondly, I was offered a choice of several variants of creditors. I chose the best offer. I will ask for help from Zangocash in the future.
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I have used Zangocash several times, and every time their recommendations worked for me. They have a huge database with all loan offers what makes it easy to compare them. It is highly important in case when you don’t have money and extra cash.
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Apply for a loan to pay off everything

If you`re looking to get a loan online, we will help you with some of the best places to go. There are many different types of loans that can be taken out and there is a good chance that one of them is right for you.

Apply for a loan to purchase land

You want to find a lender that has competitive rates and offers great service as well. This article will give some insight on those things as well as how long it takes to receive your money after applying for the loan.

Apply for a loan with a cosigner or guarantor

If you have a low credit score and need money, getting loans online is a good option. Loans are available to people with bad credit as well as those with no credit. You can get approved for loans from various lenders. The process of getting a loan online is simple and fast if you know what you need to do.

Apply for a loan with a post office account

For example, fill out an application form which will ask about your personal information, financial status etc., provide necessary documents such as bank statements or pay stubs, make the payment after approval and receive the cash in your account within 24 hours!