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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.
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.
What is a personal unsecured loan?
An unsecured personal loan is a loan which like the usual unsecured loan, does not require any collateral from the borrower, and the lender takes the decision on whether to give money based on the sole creditworthiness of the borrower. Therefore, by taking an unsecured loan, the borrower can take financial assets for house renovation or debt repayment without the risk of losing your property or money savings. However, the pros of unsecured loans have their price, which is usually higher interest rates, because banks do not like to risk too much. Also, the amount of money that a bank gives you can be smaller than it could be with a secured loan.
What is a loan underwriter?
A loan underwriter is an individual or company that acts as a certifier and bears the costs in case of non-payment of the loan by the borrower. Underwriters enter into a deal after calculating the risks. Thanks to these companies, the investment market and the work of insurance companies are supported. This concept can be associated not only with loan repayments but also with various investments, for which it is also necessary to calculate and take into account monetary risks, as well as with insurance.
What is a hard money loan?
A hard money loan is a type of loan with specific requirements for collateral. If a person wants to request a loan with more beneficial conditions he or she can present the property as approval of money refund. The name of this loan means that it is harder for banks to get funds from the sale of property than to receive money directly from borrowers. One of the common examples of hard money loans is a car title loan.
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.
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 an installment loan?
An installment loan can be a usual type of credit line when the lender gives the whole requested sum of money at one time to the borrower. The contract between lender and borrower determines all the conditions of a loan and especially the terms for payments, their size, and fixed interest rates. One of the advantages of an installment loan is that the borrower always knows the exact size of payment he or she needs to make. This value does not change in time, even when market interest rates fluctuate.
What is a parent plus loan?
A parent plus loan is a type of student loan which permits eligible parents to take a loan that cowers the whole cost of attendance of a child to school, except for the financial help that the student has already received. The interest rate for parent plus loans is pretty well and, on average, is about 6%. Moreover, the interest can not be changed during the life of the loan. Another good con of this loan is the fact that parents do not have to pay the loan while a kid is still attending school and also during 6 months after graduation.
How to calculate a loan payment?
Calculating a loan payment isn't actually too hard. First of all, you should see what loan type you will be using. Knowing that will let you find out what your payment schedule will be. After that, it will be easier to find the method of calculating your monthly loan payments. The formula for calculating the loan payment looks like this: A = P (r (1+r)^n) / ( (1+r)^n -1 ).
A is what you're trying to figure out - it's the total amount of payment; P is the total sum of money you're borrowing and have to return; r is your interest rate; n is the total number of payment periods (months).
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 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.
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