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FAQ
What is the finance charge on a loan?
Finance charge on a loan is the amount that is made up by adding up all monthly payments during the entire loan repayment period and other fees that are usually charged by the bank to the borrower for processing and servicing the loan or credit card. The same amount includes insurance, which is required by banks as a guarantee. The bank is obliged to inform about this amount in advance before the final processing of the loan. When you receive the closing disclosure form, you will look at the last page of this document, where the information about financial expenses is located.
What is a payday loan?
We can describe a payday loan as a costly loan issued for a very short period of time with very, extremely high rates of interest. The principal of such a loan is usually some percentage of the next paycheck which the borrower is expected to receive. Moreover, in most cases due date of this loan is also the day of the next paycheck. Paycheck loans are also unsecured because they do not require any collateral. Some people consider payday loans as predatory because the interest rate is high, and the agreement usually has a lot of hidden fees that the borrower is expected to pay, so it is better to be very careful with such types of loans.
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.
What is a peer-to-peer lender?
Peer to peer lender is a person who acts as a lender in peer-to-peer (or P2P) lending. P2P lending is a phenomenon which currently gaining moment in the US. Because through P2P lending, physical persons can lend and borrow money directly from each other, avoiding financial institutions and risks associated with them. A lender, in P2P lending, can set the interest rate and period of a loan which he or she likes. However, he also carries all the risks associated with money lending. Also, sometimes P2P lending platforms charge a 1% fee for transactions.
What is a loan to value?
A loan-to-value ratio is a number calculated by the bank for each potential borrower. The bank's decision about the loan depends on this indicator. This number is also necessary in order to determine how risky it is to issue a loan to this individual. Even if the number is high enough (which is a bad indicator), the bank will still give you the amount, but in this case, the interest rate may be too high for the borrower. In addition, according to the calculations, the amount of the initial payment is determined.
How much do i qualify for a va loan?
VA officers have a special formula to estimate the possible loan amount for people. They consider your monthly income and take 41% of it. It is the sum you can afford if you do not have any other debts. In case when you still have to pay for other loans, they subtract your debt from 41% of your income. You can calculate the sum you can get with the special calculator on the VA website.
What is a loan forgiveness?
Loan forgiveness is an official legal request to terminate payments on a loan that the borrower took out some time ago. In this program, direct loans that are issued to students can be considered, provided that this money was spent on getting an education after high school. Later, the student can apply for termination of monthly loan payments. However, it is worth considering that until the answer to the application comes, the student must still continue to pay the money at the established rate. With the help of this program, the student can repay the loan in full or in part.
What is collateral for a loan?
In a loan, collateral as a term can be described as an asset that the lender and borrower agreed to write in the agreement as a security of a loan. Collateral can be any object, however, usually as a collateral act such objects as real estate property (especially in a mortgage), cars, or some financial assets like stocks of companies. The collateral is needed in case if the default of a loan gave happened and the borrower needs to recover losses what he can do by seizing a collateral object.
What is a secured loan?
When lending money, sometimes a lender may want to secure the loan. This means that the loan company will ask a borrower to provide collateral - something of a value that will serve as insurance if the borrower fails to return the borrowed sum. A secured loan offer is a good way to protect the lender's investments since if the borrower does not return the money, collateral will be used by the lender as compensation. This way, no additional legal repercussions against the borrower are needed.
What is the amount for a jumbo loan?
Jumbo loans differ from ordinary ones in their amount. Each US state has its own level that separates jumbo loans from ordinary ones. In most cases, this amount will be equal to 548,250 dollars if it is borrowed to buy a single-family home. However, this amount may vary depending on the average house price in the state. This loan, like the usual one, can be used to buy a first or second house, as well as for investments. Because of the very large amount that the bank issues, you need to provide a larger amount as a down payment and pay a larger percentage contribution.
What credit score is needed for a va loan?
In the case when you want to take a VA loan, you will have to think in advance about what requirements should be met by you. One of them is having a certain credit score. This score is individually set in a specific bank, and it is for a specific loan, as well as your financial condition. The average values for various banks are usually 640 FICO or 740 FICO for VA loans with the best conditions. In general, there are quite loyal requirements for VA loans. So, the requirements for meeting a required credit score are usually quite easy.
What is a conventional loan?
A conventional loan is a type of loan that is most often offered by bank employees. This type of loan is used as a mortgage. A conventional loan will be suitable for you if you are willing to pay a big amount of money as a down payment. In any case, this amount should be more than three percent of the loan amount. This type of loan has several advantages. They can be used when buying a home for investment, a second apartment, or a country house. For conventional loans, it is possible to choose the term and adjust the rate. In addition, these loans are provided without additional fees for a specific loan that you choose.
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Customers reviews
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Helpful service for urgent cases
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