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Loans And Mortgages | Financial Planning Tips

What to Look For in a Personal Loan

Personal loans are one of the most common solutions for short-term financial issues, such as medical bills, car repairs, and the purchase of various items furniture, computers, and so on. The cost of such a loan varies based on a number of factors, including your credit score and employment situation, the amount you borrow, the term, and the fees and commissions charged by the lender. There are … [Read more...]

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Save Money with Personal Loans?

Let's face it: pretty much the only way you can actually save money with a loan is by not taking it. Unfortunately, that's not a real option for most of us; bad credit personal loans are expensive products simply because everybody needs them, so the lenders can afford to impose their own terms. Of course, that doesn't mean lenders just want to rip you off; they have their own risks to cover, so … [Read more...]

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The Beginner’s Basic Introduction to Reverse Mortgages

Financial planning is something that we spend our entire lives learning, only to have the entire playing field turned upside down upon retirement. Whether you are looking into a reverse mortgage as a last resort or just a way to increase your standard of living, this guide will act as a quick introduction to this unique type of mortgage so that you can better understand your lawyer or financial … [Read more...]

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Getting a Car Loan with Bad Credit

More and more people, because of the global economic crisis, are having to face the reality that their credit is now far less than perfect. Even people who had good credit score not long ago are looking at a much lower score than they ever would have thought possible, which can mean they are unable to secure regular loans for homes and vehicles. If you are looking at your credit score, and … [Read more...]

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The Lowdown on New Payday Loans UK

Have you ever been in a situation where you are already in a financial crisis, then out of the blue, another emergency expense surfaces? It’s enough to make anyone want to pull their hair out. Money matters are definitely one of the biggest problems that adults face, and if you’re already in a pinch to begin with, your options are pretty slim. However, thanks to new cheap n quick loans, all it … [Read more...]

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Auto Loan Refinancing and How to Get a Great Rate

While auto loans do have lower fees than mortgage loans, you might still be considering refinancing your car loan. In order to get a great rate when you are ready to refinance, read the four tips below and you are sure to save money. Wait for Low Interest Rates As inflation determines the interest rate, you will want to wait until the inflation rate falls in order to pay lower interest. Waiting … [Read more...]

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Six Solid Tips For Getting A Car Loan

There are a few major purchases that aren’t made with cash. Most often, customers finance larger purchases to ease the stress on the budget and making them more affordable. Cars are no exception with loan financial planning. Just as you would shop around for the car that is going to be purchased, it’s important to shop around for the car loan that is going to be used to finance the large … [Read more...]

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Better Regulation Coming To UK Payday Loan Industry

The payday loans industry in the UK is still largely unregulated, despite the fact that Europe and the US regulate theirs. The popularity of this industry has increased every year to the extent that it is now worth £1.7 billion, however as its popularity has increased, so has the number of complaints regarding its practises. Therefore it is no wonder that several organisations including the … [Read more...]

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The Real Meaning Of Mortgage Insurance For Borrowers

Getting a mortgage loan approved can be difficult if the borrower can’t pay at least 20% down payment for the house whether individual or family mortgages – it's a fairly large amount that many simply cannot afford. One way to bypass this requirement is to agree to pay for mortgage insurance for a period of time. Such a deal minimizes the risk for lenders in the event that borrowers end up … [Read more...]

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The Low Down On Variable Vs. Fixed Rate Mortgages

Even though they sound complicated, fixed rate and variable rate mortgages are actually very simple. But it's important to know the difference when you are searching the Internet or talking to brokers in order to find the best mortgage deals.  With a variable rate mortgage, the rate of interest can change over a period of time and changes depend on the current market rate. The interest on a fixed … [Read more...]

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All About FHA Loans For First-Time Home Buyers

Getting FHA Loans for First-Time Home Buyers FHA loans have become popular in recent years due to the crash of sub-prime lending following the economic crisis. Although it has been harder to get approved for home loans since then, it's still easier to get approved for an FHA loan than a conventional mortgage. Individuals who haven't had an FHA loan and are purchasing a home for the first time … [Read more...]

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The Difference Between Mortgage Prequalification, Preapproval And Final Approval

This is a guest post provided by Ben from BankAim.com. My friend here at Financial Planning Tips asked if I would write a guest post and I gladly accepted.  If you read BankAim many of you know that I spent 5 years of my life as a loan officer. One of the common questions about mortgages I receive is… What is the difference between Prequalification, Preapproval and Loan Approval? These … [Read more...]

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Common Questions About Mortgages Answered

There is a plethora of questions people have when they are about to buy a house for the first time. This is understandable. Buying a house is the single most important investment a person or family will make in their lifetime. Questions about interest rates or how long to carry mortgages are some of the most common asked. Where to apply for financing and which realtor to use are some others. Many … [Read more...]

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95% Mortgages Briefly Explained

For first-time borrowers, it might be a good idea to obtain a 95% mortgage rates. The rationale behind 95% mortgages is that the borrower gets a loan while the lender receives a 5% deposit on the outstanding amount. A “first-time borrower” is a person who has not purchased a new house within the last three years. As such, the potential homeowners who can qualify for 95% fixed rate mortgages are … [Read more...]

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“I Need Money…Now!” – Solutions For Getting Cash Fast

Nothing can be more stressful than needing money in a hurry when you know you just don’t have it, or know where to get it. It can affect your work, relationships and your emotional wellbeing. The instant you have that ‘I need money now’ thought or feeling, take a deep breath and a pen and paper and start listing your options. The only way to get things clear in your mind at times like this is when … [Read more...]

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