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FAQ
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.
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.
What is a loan?
A loan is a deal between two parties when one of them provides money to another one and sets conditions for payments and interest rates. In addition to a sum of money, a borrower needs to pay back extra costs calculated with interest rate. Moreover, there are different types of loans with various conditions about collateral and terms of payments. Usually, a borrower receives all money at the same time and pays it back during a fixed period.
How do i qualify for an fha loan?
FHA loan is a type of loan provided by the Federal Housing Administration. Or this loan can be provided by a lender that FHA authorized. FHA loans are designed to suit the needs of borrowers with mid-to-low incomes who want to buy their property. With an FHA loan, a borrower may get a low down payment of approximately 10%. To apply for the FHA loan program, a borrower must have a credit score of 580. If the borrower's credit score is lower (between 500 and 579), they may still apply for an FHA loan under stricter conditions.
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.
What is a loan assumption?
A loan assumption means the transfer of the obligation to pay the loan from the original borrower to another individual. This procedure is often found when selling real estate. This procedure can be beneficial for both persons since the interest rate on a loan taken some time ago is less subject to change, unlike a new loan. If the mortgage is transferred from the seller to the buyer, then the latter first will need to deposit an amount equal to the difference between the loan amount that has been already repaid and that has not been paid yet. Further, the buyer pays the remaining amount on the terms already established without the risk of their change.
What is a loan disclosure?
A loan disclosure is a special form that you must receive from your bank. This document contains complete and detailed information about the monthly amount to pay, the interest rate, all fees that are charged to you as a borrower, and other conditions for repaying the sum that has been borrowed by you. This form is issued no later than three days before your last payment, with which you will close the loan. You should make yourself acquainted with the data provided in the form and compare it with your actual contributions and payment of fees. If there are any questions, it will be possible to ask the bank's employees.
What is an fha loan?
An FHA loan is a special type of loan that is issued under conditions established by the Federal Housing Administration. Thus, the FHA draws up a list of trusted banks that are authorized to issue this loan, approves the issuance of a loan to borrowers, and provides preferential conditions. This loan is needed by individuals whose income is below the established norm, so they are given the opportunity to take out a loan even though they cannot provide a big amount of money as the first payment. Also, borrowers are not required to provide proof of a high credit score.
What is a non-recourse loan?
A non-recourse loan can be described as one of the types of loan in the US which conditions prohibit a lender, in a situation when a loan default has happened to go after the assets and property of a borrower which were not included in the credit agreement as collateral, even if the total value of a collateral property is not enough to pay off the outstanding debt. Obviously, these conditions are more in favor of the borrower than the conditions of a usual loan. Therefore it is much harder for a person to qualify for a non-recourse loan, and lenders very rarely agree to non-recourse loans.
What are discount points on a loan?
Loan points that are often referred to as discount points, are types of payments that you give to your lender if you want to reduce your loan's interest rate. Technically, you buy these points - $1,000 each. That is why you may also hear someone calling this method "buying down the rate". With discount points, you have the chance to pay off less than you would without loan points.
What is a secured loan?
A loan is considered to be secured when some collateral (real estate, other assets) were added to the agreement. And can be soled by the lender in case of a default. So, basically, collateral in a secured loan is used as a motivation for a borrower to pay off the debt. Usually, banks and other organizations give secured loans more willingly than unsecured. Moreover, they issue them with smaller interest rates and for longer periods of time. The soundest examples of secured loans are mortgages, where collateral acts as an object of property that borrowers buy with borrowed money and car credits.
Who is a lender?
The lender can be a person, group of people, or business entity that provides funding for another party with the condition that the borrower will pay this money back. Usually, lenders require borrowers to pay extra costs for a loan and set interest rates. Also, lenders usually set terms of payments and sometimes require down payments from borrowers.
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Customers reviews
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Not so long ago, I was trying to find a payday loan for some car repair. And all I could find in my area were a few agencies with high rates. I decided to use Zangocash, and they opened a new world for me; I found a lot more services with attractive rates and was able to fix my car.
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