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FAQ
How to calculate a loan interest?
Calculating the size of your loan's interest will take doing some math. And it gets even trickier if we consider that there are two types of loans - simple and amortized. Here's how to calculate the interest for a simple loan: P x Ir x T = I - in this formula, P is your loan's actual size; Ir is your loan's interest rate, T is the time you will need to return the loan (number of months or years). Things get more difficult with an amortized loan: Ir/N x Rb = Im - Ir is your loan's interest rate; N is the number of payments for the current year; Rb is the remaining balance; the resulting Im is the current month's interest.
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.
How much is the down payment for an fha loan?
FHA estimates your credit score and assigns you the size of the minimum down payment for a loan obtaining. They provide only two options of down payments according to your credit score: 3.5% and 10%. Moreover, you can apply for assistance programs to reduce the size of this payment if you are not able to cover it. If there are no opportunities for you to get an assistance program, you can search for available offers with zero down payment.
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.
How to check if a loan company is legitimate?
Before borrowing money from a lending company, it is best to check and even double-check its credibility. To ensure that a lender you're about to deal with is legit, look at the following aspects: Does the lender have any interest in your credit record? Is the lender registered in your state? Does the lender have a physical address? Is the lender too pushy? Does the lender have a transparent fee policy? If your lender is open about its fee policy, does not rush you into borrowing immediately, if they are registered in your state, have a physical address, and adequate credit record requirements - then you can trust such a lender.
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 loan estimate?
A loan estimate is a paper that you receive after three days after applying for a loan. If you do not receive this document, it will mean that you do not meet the criteria that the borrower must meet. The form provides detailed information about the loan and its terms. Since the format is the same for all banks, you can simultaneously familiarize yourself with several forms and decide which bank provides more favorable conditions for loan repayment. After receiving the document, you must make a decision and inform the bank about it within ten days.
What is loan defaulter?
A loan defaulter happens when a borrower fails to pay off the principal or interest of his or her debt. The chance of a possible loan defaulter is one of the main things that banks and other financial institutions consider before allowing a loan. A loan default can have grave consequences, whether it is a secured loan, and in this case, a borrower can lose the house or a car, or whether it is an unsecured loan where consequences of a default would be legal, like court claim, or just lowering of credit score which will lower chances of a person to get another loan.
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 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?
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.
What is a loan amortization?
Loan amortization is a distribution of funds paid back by the borrower between the principal sum and interest rates. It means that borrowers can deposit more money than is required for the payment period to cover not only interest expenses but to shorten the total size of a loan. Thus, when a borrower makes scheduled payments, the final amount of borrowed money decreases.
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Customers reviews
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