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Compare Commercial Vehicle Insurance for Better Rates, Trusted Choice, vehicle insurance comparison.

#Vehicle #insurance #comparison


Compare Commercial Vehicle Insurance

As a smart business owner, you know that getting the best commercial insurance is a top priority. If you are starting a business, have acquired new vehicles, or your business insurance needs have changed, now is the time to review your commercial vehicle insurance options. Whether your business uses a car, delivery van, dump truck, tractor trailer or an entire vehicle fleet, be sure to compare commercial auto insurance quotes to find the best fit.

Finding the best auto or truck insurance policy is not a simple task. Prices for commercial vehicle insurance vary considerably from one carrier to another. The difference in price to insure one car, a large truck, or a fleet of delivery vans will be something for you to consider as you purchase a policy. It is important to compare commercial auto insurance quotes from multiple sources to find the best coverage and value. Contact a local member agent in the Trusted Choice В® network who specializes in commercial insurance to find the right business vehicle insurance for your needs.

Trusted Choice vs. Big Brands

The Trusted Choice brand is built on the customer focused integrity of more than 300,000 business owners, agents and employees nationwide. With more local insurance agents than State Farm and GEICO, this network of agencies serves more consumers and pays out more claims

Vehicle insurance comparison

How to Get the Best Commercial Auto Insurance Quotes

  • Hire experienced drivers with good driving records
  • Choose sensible vehicles
  • Accept higher deductibles
  • Install safety devices in your vehicles
  • Require your drivers to attend driver safety trainings
  • Work with an independent insurance agent who can tailor a policy to your needs

How to Compare Commercial Vehicle Insurance Rates

When you need to insure a commercial vehicle, such as a limo, bus, taxi, or truck, there will be many coverage options to choose from. A quick review of online insurance offers will demonstrate how sensible it is to shop around. However, it can be overwhelming to compare commercial auto insurance rates without the help of an independent agent. Every insurance carrier offers different coverage options and rates, and comparing multiple insurance options is time consuming.

An independent agent specializing in commercial vehicle insurance can do all the legwork for you. These agents have relationships with several insurance carriers and can review options for you, making it a much simpler process. Additionally, they can help with every aspect of your business insurance needs, so you can get all of your commercial auto insurance quotes and more in one place.

Tips to Help You Compare Commercial Vehicle Insurance Prices

As a business owner, you want to be sure to get the best value for your money. Use these tips to compare commercial vehicle insurance prices, get the most accurate quotes, and make an educated choice on the best coverage for your company:

  • Review your employees’ driving records. Consider requiring remedial training for any drivers who have had safety incidents, traffic infractions or accidents.
  • Make a list of your vehicle types and uses. For example, if you have a fleet of vans or trucks, do they transport people, food, goods, or other vehicles?
  • Record the mileage of each vehicle. How far each vehicle travels each year in the course of doing business will affect risk and premium cost.
  • Work with an agent, not an 800 number. Insurance companies offer special savings based on reduced risk factors. You won’t find the discounts available to you without speaking to a knowledgeable insurance professional.

Additionally, take as many measures as possible to improve driver and vehicle safety, reduce the risk of incidents, and remain claim free. Managing risk and reducing the likelihood of incidents will keep your employees and vehicles safe, protect your business investment, and result in the best commercial vehicle insurance rates.

Find Commercial Auto Insurance for Any Business

The size of your business is an important consideration when you are trying to find the best commercial auto insurance. The specifics of your policy will depend upon the number of vehicles that you use, the types of vehicles, and your use of the vehicles. A taxi or limo, for example, will have a higher premium than a company car, but lower than a commercial truck such as a tractor trailer.

It is important to review commercial auto insurance rates even if you are self-employed. Your personal vehicle insurance is unlikely to cover accidents involving the vehicles you use for your business. Commercial accidents while you are transporting employees, customers or goods can even leave you personally responsible for large scale damages.

If you run a larger business with a fleet of cars, delivery vans, trucks or other commercial vehicles, be sure to compare quotes on commercial fleet insurance. One policy may allow you to make a claim on incidents involving any of your business’s vehicles. You can also typically arrange a single deductible for any equipment that you haul in your company vehicles.

When Do You Need Different Commercial Vehicle Insurance?

As soon as you employ a new driver or add another vehicle to your business, it is important to update your coverage. When changing or adding to your fleet, you may want to compare commercial vehicle insurance rates and consider finding a better value or a new policy that more closely matches your needs.

For example, if you upgrade to a new or better truck, the conditions of your policy may be affected, so it is important to review the coverage you would need in the event of an incident.

A change in the location where you send your delivery drivers, the roads they use, or the cargo they haul, can all impact your policy. You may think that your insurer is already aware of obvious changes such as a new address. However, it is your duty to inform your agent or insurance company of change to ensure that there are no interruptions in coverage or difficulties processing your claims after an accident.

Find Commercial Auto Insurance Quotes Tailored to You

There are several factors that you need to consider when searching for a new commercial vehicle insurance policy. An independent agent in the Trusted Choice network can help. These agents work with multiple insurance companies and can or do the comparison shopping for you, to save you time and aggravation. Member agents work with the best insurance companies and can find the right coverage at an affordable rate.

Trusted Choice member agents who specialize in commercial lines of insurance can help you with all of your business insurance needs. You can have one single agent to work with for every aspect of your business insurance. A member agent can assist you with property insurance, product insurance, fraud protection and many types of liability coverage.

Find a local Trusted Choice member agent in your area today to help you compare commercial auto insurance quotes and find the best fit for your business.




Compare Funeral Cover And Policy Quotes South Africa, funeral insurance comparison.

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Health Wealth » Get Free Funeral Cover Quotes

What does Funeral Cover offer you? Among other benefits, Funeral Cover ensures that a lump sum is paid out upon the death of an insured person. Simply complete a few easy steps to compare Funeral Cover quotes side by side.

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  • Compare prices and benefits from leading insurance brands in seconds
  • We do not sell your data to any 3rd parties
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Funeral insurance comparison

Funeral Insurance Guide

More About Funeral Insurance

There are few things in life as tragic and heart-breaking as an unexpected death in the family. This is only increased if your loved ones are trying to come to terms with their loss and having to cope with the cost of the funeral arrangements that honours the memory of their lost one. Don’t let your passing be stained with cumbersome funeral costs. Let Hippo.co.za help you find funeral cover quotes so that you can ensure their best interests are protected during this difficult time.

Funeral Cover FAQ

We’ve put together a comprehensive list of FAQ’s to help you find out more about funeral cover so that you can make more of an informed decision on finding the right cover to suit you and your family’s specific needs.

Funeral Cover Glossary

Read more about funeral insurance and some of the day-to-day terms used within the funeral insurance industry to help you on your way to finding the right funeral cover.


Compare Cheap Life Insurance Quotes, MoneySuperMarket, term life insurance quote comparison.

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Life Insurance

Offer ends 4th Feb

Choose from these retailers once you’ve made your 3rd payment:

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Compare cheap life insurance quotes

We compare the leading life insurance policies with prices starting from just £5 per month

We’re here to help you get the protection you need

What is life insurance?

Life insurance is a type of insurance contract which pays out a lump sum to your dependants should you pass away during the term of the contract. The cost of a policy is determined by a number of factors including your age, health and lifestyle.

Why should I take out life insurance?

Life insurance is a vital part of financial planning for anyone who has dependants.

By ‘dependants’, we mean anyone whose circumstances and material wellbeing would be affected by your death – for example, your partner, your children or anyone else who is financially reliant on you.

Thinking about your death and its inevitable impact on your family’s circumstances is difficult – and many people simply shy away from the topic. But not doing anything could put loved ones at financial risk. That’s why it’s important to confront the issue and take out life insurance.

How does life insurance work?

In most cases, the most effective form of life insurance is called ‘term’ insurance.

This type of policy pays out an agreed amount – the ‘sum insured’ – either as a lump sum or as a regular income, if you die within a specified period – known as the ‘term’.

You choose the size of the pay-out and the length of the term. For example, you may decide to have cover in place until your children are grown up and have left home.

These decisions aren’t always straightforward, which is why we’re here to help. Our dedicated page on how to work out the amount of life insurance cover you need will help you arrive at a sum insured that reflects your family situation.

What’s the average cost of life insurance and what affects the price?

Life insurance policies can start from just £5 a month.

However, the cost will vary depending on factors such as your age, health, occupation, whether you smoke, length of the term and whether you choose add-ons such as critical illness cover.

MoneySuperMarket found that smokers on average pay £18 more a month for life insurance compared to non-smokers*. And adding critical illness cover, which pays out on the diagnosis of one of a list of serious medical conditions, typically increases your payments by almost £28 per month**.

An alternative to straightforward term insurance, where the amount of cover stays the same for a set number of years, is what’s known as ‘decreasing’ term insurance, where the amount of cover reduces over the years (usually in line with a mortgage). This means decreasing term insurance costs less, all other things being equal.

Term life insurance quote comparison

Term life insurance quote comparison

Why it pays to buy life insurance when you are younger

As a rule of thumb, the earlier you take out life insurance, the cheaper your policy will be.

If you’re in your 20s life insurance is unlikely to be a priority. But MoneySuperMarket research shows that taking out a policy in your 20s can be as much as two times cheaper than taking out cover in your 40s***.

The reason for this is simple – insurers consider you less likely to make a claim the younger you are.

The chart below shows the average monthly premium for life insurance depending on the age of the policyholder. But keep in mind each insurer will differ in how much emphasis they give to factors such as your occupation, medical history and lifestyle, so your personal quote is likely to be different.

Whether you’re buying your first home, getting married or thinking about having children, taking out life insurance as a young adult can be a cost-effective way to plan for your financial future.

Are there life insurance policies which come with a gift?

You can compare a wide range of life insurance policies on our comparison tables. And if you take out life cover through MoneySuperMarket, you will receive a £125 voucher from Argos, M S or Next.

Your voucher of choice is redeemable within 40 days of your third life insurance payment. T Cs apply. You can find out more here.

Get a £125 voucher when you take out Life Cover through MoneySuperMarket

Choose from a range of retailers once you’ve made your 3rd payment

Term life insurance quote comparison


Insurance – Compare Insurance Policy Quotes – Life, Car, Health, Travel, online insurance comparison.

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PolicyBazaar is an IRDAI approved web aggregator based in Gurgaon, Haryana. We provide customers with an online platform where consumers can compare different insurance policies such as car insurance, life insurance, two wheeler insurance, term insurance, and retirement plans with a single click of a button from the comfort of home and make an informed choice. This comparison of insurance plans paves the way for availability of information and gives everyone an easy and free access. We have tied up with 50+ insurance companies in India to offer consumers with a myriad of options. PolicyBazaar makes use of smart technology in order to make the entire insurance buying smooth for consumers.

Our sole objective is to help customers make an informed decision when buying a policy online. This can be done by comparing different policies available on our portal. Insurance companies offer various policies and it becomes the more necessary to compare them before choosing the right one. Also, the chances of getting the best policy increases with insurance comparison as it allows you to scan through features, benefits, and premium rates of different plans and choose the most apt policy. Therefore, we at PolicyBazaar, assist consumers with:

  • Comparing and Buying Insurance Policies
  • Filing for a Claim
  • Renewing policies

We majorly showcase insurance offered by 50+ prominent public and private insurers across India which falls under two categories:

  • Life Insurance – Term life insurance plan, Whole Life Plans, Endowment Plans, Money Back Plans, ULIPs – A, Child Plans, and Retirement Plans.
  • General Insurance – Car Insurance, Health Insurance, two wheeler Insurance, Travel Insurance, Home Insurance, Corporate Insurance, Critical Illness, and Personal Accident.

Our partners are from diverse insurance sectors – term insurance, health insurance, car insurance, travel insurance, and corporate insurance. Partnerships enhance their services and showcase the price and policies details directly from the insurance company.

Benefits of applying through our portal:

  • Quick Decision Making: Our online platform helps you make an informed buying decision in a simple and convenient manner. You can compare cost and features of the various insurance policies available. Our platform also helps you understand each product’s features completely so that you can easily decide on one that fits your needs.
  • Low Premium rate but more coverage: As compared to policies bought offline, we offer more insurance coverage as the add-on costs being factored into the purchase are lesser.
  • Absence of intermediaries: We do not involve any intermediaries unlike the traditional mode of buying insurance. Our consumers can compare and buy insurance directly through our portal. As there are no intermediaries, there are no commission charges. Hence there is reduction in the operational costs and other overheads. As this result in reduced overall costs for companies, the benefits are usually passed on to the customers in the form of low premium offers.
  • 24*7 Customer Service: Our insurance experts are available 24*7 so that consumers can seek clarification in case of doubt or confusion. This will enable you to compare the products without any ambiguities.
  • Seamless navigation: We have a strong technological edge which makes the insurance application process seamless. We employ smart-logic driven quote forms that populate questions on the basis of customer demographics and profile. With this, you will be able to compare and buy insurance products through our portal easily. The insurance premium is system generated, which therefore, removes any instances of human error and the time taken to calculate premiums is considerably reduced.

No matter what type of insurance policy you intend to buy—life, health, home, car, or two wheeler insurance among others, PolicyBazaar provides you a platform where you can compare and buy policies as well as save on premium. In this way, you can be rest assured that the policy chosen is not only the best but affordable too.


Compare Cheap Car Insurance Quotes at GoCompare, car insurance comparison chart.

#Car #insurance #comparison #chart


Car insurance

Compare cheap car insurance quotes and see if you could save

  • Compare car insurance quotes from over 120 brands with a single search [1]
  • What you see is what you get, with Defaqto info to help you choose
  • Find your insurance group and add second drivers quickly and easily

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How fully comprehensive car insurance has your back

Does my car insurance offer cover for flood damage?

Drivers warned of dangers of ‘fronting’

Have you got adequate cover for the contents of your car?

Can I compare quotes for my double cab pick-up?

Comparing car insurance could mean serious savings

What does the ECJ gender ruling mean for women drivers?

Like death and taxes, car insurance is unavoidable if you want to keep your vehicle on the road and the right side of the law.

Fortunately, calling round dozens of insurers for a quote has been consigned to history – with GoCompare you only need to fill out a single form with your personal information, details of your car and any extra drivers you want to put on your policy.

Get informed


  • Find the cheapest car insurance groups
  • Rummage around in the Car insurance garage

How to get a car insurance quote

If you know your number plate it’ll save you time, but if not just choose your make and model and you’re on your way to quotes galore.

Next, you’ll need to let us know:

  • Your car’s value
  • How much no-claims bonus you’ve amassed
  • Your annual mileage
  • Usage – social, commuting or business
  • Your occupation

Quotes that cater to you

Once you’ve got some quotes to look at, you can narrow things down a bit if you know exactly what you want:

  • Choose your voluntary excess
  • Opt to protect your no-claims bonus
  • Decide whether to pay monthly or annually

Change any of these and you’ll get a fresh set of prices to fit your new answers.

Whether you need comprehensive insurance, third party fire and theft or third party only for just the one car or many, it’s easy to get the cover you need.

You don’t need to take our word for it either – when you get your quotes they come along with helpful information and star ratings from financial researcher Defaqto, so you’ll see exactly what you’re buying.

Need to know more about car insurance?

We’re committed to keeping you well-informed and on the road, so if you’re puzzled by any aspect of your policy, roll up the door to our Car insurance garage for guides, tips and help on all things motoring and car insurance.

Did you know.


  • 67% of motorists pay the renewal price, potentially missing out on cheaper car insurance premiums [2]
  • 32% of drivers have been with their current insurer for three years or more [2]

Telematics (black box) policies, women’s car insurance, older motorists, modified cars, young drivers, classic cars, and learner drivers – it’s all here.

There’s also plenty to read and delight on wider motoring issues.

Vehicle security, flood cover, optional extras on your insurance, fronting, crash-for-cash, how quotes are calculated, claim rejections, how driving convictions impact on premiums and money-saving tips – peruse at your leisure.

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Protect yourself from keyless car theft

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    New year, new car bargains

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    Driving home for Christmas

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    Driving America’s car chase heroes

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    Best cars for winter driving

    [1] Correct as of 18th October, 2017

    [2] Research commissioned by Gocompare.com carried out with 2,000 UK adults in February, 2017 by Bilindi

    † Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites


  • EMR Software Demo Download, Electronic Medical Record Software, Windows, Linux, Macintosh

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    #

    The SpringCharts Demo is a full version of SpringCharts adapted to run on one computer. It comes with sample patients, diagnoses, and procedures.

    The Demo also features on-screen annotations that will take a user through the key functions of the system. Thus, users can explore the system on their own, or have a more structured experience with its key features and functions. Users cannot modify the practice settings in the Demo, but all other features are enabled.

    Installing SpringCharts Demo:

    Windows installation involves five steps:

    1. Assessing the version of Java Runtime Environment (JRE) on your computer. (See Java Help for this critical step.)
    2. Installing the correct JRE (1.4.2 or higher) if needed. (See Java Help for this critical step.)
    3. Registering and downloading the Demo by selecting Get Demo below.
    4. Unzipping the downloaded file and then double-clicking SpringChartsDEMOSetup.exe
    5. Follow the directions offered by the installer.

    Macintosh installation involves three steps:

    1. Registering and downloading the Demo by selecting Get Demo below.
    2. Uncompressing the downloaded file if it was not done automatically and double-clicking SpringCharts TestDrive Installer.
    3. Follow the directions offered by the installer.

    Linux installation involves seven steps:

    1. Assessing the version of Java Runtime Environment (JRE) on your computer. (See Java Help for this critical step.)
    2. Installing the correct JRE (1.4.2 or higher) if needed. (See Java Help for this critical step.)
    3. Registering and downloading the Demo by selecting Get Demo below.
    4. Unzipping the downloaded file.
    5. Creating a new directory in /usr/local/bin called SCDemo.
    6. Copying the contents of the extracted ‘Stand Alone Version’ folder to the new SCDemo directory.
    7. Starting SpringCharts by going to /usr/local/bin/SCDemo and typing: java -jar SpringCharts.jar.

    Progressive: Ranked One Of The Best Insurance Companies, life insurance quotes comparison. #Life #insurance #quotes #comparison


    Get insurance for almost anything you need

    The #1 Insurance Site

    Copyright 1995 – 2018. Progressive Casualty Insurance Company . All Rights Reserved.

    We offer insurance by phone, online and through independent agents. Prices vary based on how you buy.

    *National average annual car insurance savings by new customers surveyed who saved with Progressive in 2016.

    Progressive Home Advantage policies are placed through Progressive Specialty Insurance Agency, Inc. with affiliated and third-party insurers who are solely responsible for claims, and pay PSIA commission for policies sold. Prices, coverages, privacy policies, and PSIA’s commission vary among these insurers. How you buy (phone, online, mobile, or independent agent/broker) determines which insurers are available to you. A quote from one of the insurers can be provided through this site. Click here for a quote from other insurers or here for more information about PSIA s commission. Discounts not available in all states and situations.

    Discount varies and is not available in all states or situations

    Annual premium for a basic liability policy excludes travel trailer and is not available in all states. No. 1 specialty RV insurer from 2016 Millward-Brown national survey data. RV insurance not available in DC or HI, and Travel Trailer insurance not available in MA.

    A leader in boat insurance from 2016 Millward-Brown national survey data.

    No. 1 commercial auto insurer from SNL Financial’s 2015 national written premium data.

    Savings based on 2015 consumer data collected by Hagerty on single car policies, with premiums $5000 and under, from several daily driver (“Everyday”) auto insurance carriers.

    Learn more about comparison rates, which are available through Progressive Direct in most states and situations. Rate comparisons provided here are based on our Progressive Direct auto insurance price and product, and do not include prices and products available from Progressive agents.

    Name Your Price is available in most states for new policies. Price and coverage match limited by state law. Amounts entered outside of our range of coverage prices will be shown the closest available coverage package.


    Life Insurance for Funeral Costs, MoneySuperMarket, funeral insurance comparison. #Funeral #insurance #comparison


    Life Insurance and Funeral Costs

    By Kevin Pratt on Friday 23 June 2017

    In this Article

    Funeral insurance comparison

    In 2016, Royal London’s National Funeral Cost Index found the average cost of a funeral was £3,675. A burial funeral averaged £4,136 and a cremation funeral totalled £3,214, on average.

    When you add extras, such as flowers, a memorial or headstone, and catering at the wake, you could expect to add an additional £2,000 to the bill.

    With costs on the rise, more people are thinking about how they can pay for their own funerals just so their families don’t have to worry about these sadly unavoidable bills at what is an emotional and stressful time.

    How to cover funeral costs

    Funeral insurance offers a way to plan ahead and cover funeral costs. These plans typically cover your chosen funeral director’s fees and are available from funeral directors themselves or from specialist insurance providers.

    Be aware that different plans cover different costs, so check the small print to see what is specifically included, for example burial fees, grave-digging costs or cremation costs might come as standard.

    Other plans offer tiered levels of cover – and the most basic might not cover certain costs. So if a plan only includes burial costs but not the cost of the wake or flowers, you will need to budget separately for these expenses.

    Over-50s life insurance plans will pay a lump sum when you die, which can then be used by your family to cover funeral costs.

    Be aware that different plans cover different costs, so check the small print to see what is specifically included, for example burial fees, grave-digging costs or cremation costs might come as standard.

    However, it is worth knowing that you often have to agree to make monthly payments for the rest of your life. Meaning that if you live for a long time, you will pay much more into the plan than you will receive out of it – as the payout will be fixed.

    These plans are insurance schemes, so once you have paid the premium you can’t get it back. Plus, there is usually a fee if you want to cancel the plan early. If you miss one payment, then your plan will stop and you won’t get a payout.

    Some plans link the sum you receive to inflation, so that the payout you receive keeps pace with living costs. While others only require you to pay in until you reach a certain age. If you die within a year of starting you scheme, the premiums might be returned to your estate, depending on your provider.

    Term life insurance runs for a fixed period of time. The policy pays out the amount insured if you pass away during this time. Many term life insurance policies come with the option of a lump sum pay-out. Your family could use the lump sum they’ll receive to pay for the cost of your funeral.

    You can choose from different types of term insurance, such as level cover, where the payout stays the same over the term. Or decreasing cover, where payout reduces over time in line with any debts you may have, a mortgage, for example.

    Remember too, that if you have any pre-existing medical conditions, premiums may be expensive.

    State support for funeral costs

    If you are on a low income or receiving benefits, then you might be eligible for state support for your funeral costs.

    The ‘Funeral Payment’ offered by the Department for Work and Pensions can help pay for burial or cremation fees. Other costs covered include:

    • Documentation (doctor’s certificate or death certificate).
    • Expenses such as funeral director’s fees, flowers or the coffin.
    • Travel to arrange or go to the funeral.

    However, any money you’ll receive is repayable, so you will usually have to pay back any money you get from the deceased person’s estate.

    Funeral insurance comparison

    Did you find this helpful? Why not share this article?


    FinAid, Calculators, Loan Comparison Calculator, loan comparison.#Loan #comparison


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    Loan Comparison Calculator

    This Loan Comparison Calculator computes an estimate of the size of your monthly loan payments for three loans at the same time. You can also use it to compare the total payments and total interest paid for different interest rates, loan terms and monthly payments.

    This calculator assumes that the interest rate remains constant throughout the life of the loan. Many educational loan programs, including the Stafford and PLUS loans, have variable interest rates. We suggest you use the current maximum rates (8.25% for Stafford and 9% for PLUS) to get a ceiling on the interest payments. (Perkins loans have a fixed interest rate of 5%.)

    This calculator also assumes that the loan will be repaid in equal monthly installments. The results will not be accurate for some of the alternate repayment plans, such as graduated repayment and income contingent repayment.

    Some educational loans have a minimum monthly payment. Please enter the appropriate figure ($50 for Stafford Loans, $40 for Perkins Loans and $50 for PLUS Loans) in the minimum payment field. Enter a higher figure to see how much money you can save by paying off your debt faster.



    Private Student Loans, FinAid, Loans, loan comparison sites.#Loan #comparison #sites


    Private Student Loans

    Private student loan volume grows when federal student loan limits remain stagnant.

    Private student loan volume grew much more rapidly than federal student loan volume through mid-2008, in part because aggregate loan limits on the Stafford loan remained unchanged from 1992 to 2008. (The introduction of the Grad PLUS loan on July 1, 2006 and the increases in the annual but not aggregate limits had only a modest impact on the growth of private student loan volume. The subprime mortgage credit crisis of 2007-2010, however, limited lender access to the capital needed to make new loans, reining in growth of the private student loan marketplace.) The annual increase in private student loan volume was about 25% to 35% per year, compared with 8% per year for federal loan volume.

    In addition to these lists of private student loan programs, there are several web sites that provide tools for comparing private student loans. These tools can help you identify the loans that match your criteria. These student loan comparison sites include Credible and other student loan comparison sites.

    Then the Ensuring Continued Access to Student Loans Act of 2008 increased the annual and aggregate loan limits on the federal Stafford loan starting July 1, 2008. This shifted significant loan volume from private student loan programs to federal. Private student loan volume dropped in half in 2008-09, according to the College Board’s Trends in Student Aid 2009.

    Private student loan volume is expected to return to the 25% annual growth rate unless there is another increase in federal loan limits or an expansion of the availability of federal student loans. For example, the proposal for expanding Perkins loan funding from $1 billion a year to $8.5 billion a year will cause a significant decline in private student loan volume. But so long as federal loan limits do not increase every year, private student loan volume will continue to grow at double-digit rates.

    If current trends continue, annual private education loan volume will surpass federal student loan volume by around 2030. Accordingly, it is important that students have tools they can use to compare different private student loans.

    As a general rule, students should only consider obtaining a private education loan if they have maxed out the Federal Stafford Loan. They should also file the Free Application for Federal Student Aid (FAFSA), which may qualify them for grants, work-study and other forms of student aid. Undergraduate students should also compare costs with the Federal PLUS Loan, as the PLUS loan is usually much less expensive and has better repayment terms.

    The fees charged by some lenders can significantly increase the cost of the loan. A loan with a relatively low interest rate but high fees can ultimately cost more than a loan with a somewhat higher interest rate and no fees. (The lenders that do not charge fees often roll the difference into the interest rate.) A good rule of thumb is that 3% to 4% in fees is about the same as a 1% higher interest rate.

    Be wary of comparing loans with different repayment terms according to APR, as a longer loan term reduces the APR despite increasing the total amount of interest paid. FinAid’s Loan Analyzer Calculator may be used to generate an apples-to-apples comparison of different loan programs.

    The best private student loans will have interest rates of LIBOR + 2.0% or PRIME – 0.50% with no fees. Such loans will be competitive with the Federal PLUS Loan. Unfortunately, these rates often will be available only to borrowers with great credit who also have a creditworthy cosigner. It is unclear how many borrowers qualify for the best rates, although the top credit tier typically encompasses about 20% of borrowers.

    Generally, borrowers should prefer loans that are pegged to the LIBOR index over loans that are pegged to the Prime Lending Rate, all else being equal, as the spread between the Prime Lending Rate and LIBOR has been increasing over time. Over the long term a loan with interest rates based on LIBOR will be less expensive than a loan based on the Prime Lending Rate. About half of lenders peg their private student loans to the LIBOR index and about 2/5 to the Prime lending rate.

    Some lenders use the LIBOR rate because it reflects their cost of capital. Other lenders use the Prime Lending Rate because PRIME + 0.0% sounds better to consumers than LIBOR + 2.80% even when the rates are the same.

    It is not uncommon for lenders to advertise a lower rate for the in-school and grace period, with a higher rate in effect when the loan enters repayment.

    Federal student loans are not available for expenses incurred by law, medical and dental students after they graduate, such as expenses associated with study for the bar or finding a residency. There are two types of private student loans for these expenses:

    • A Bar Study Loan helps finance bar exam costs such as bar review course fees, bar exam fees, as well as living expenses while you are studying for the bar.
    • A Residency and Relocation Loan helps medical and dental students with the expenses associated with finding a residency, including interview travel expenses and relocation costs, as well as board exam expenses.

    Comparing Private Student Loans

    Key information to understand student loans includes being aware of the annual and cumulative loan limits, interest rates, fees, and loan term for the most popular private student loan programs. Often the interest rates, fees and loan limits depend on the credit history of the borrower and co-signer, if any, and on loan options chosen by the borrower such as in-school deferment and repayment schedule. Loan term often depends on the total amount of debt.

    Most lenders that require school certification (approval) will cap the annual loan amount at cost of education less aid received (COA-Aid). They may also have an annual dollar limit as well.

    Lenders rarely give complete details of the terms of the private student loan until after the student submits an application, in part because this helps prevent comparisons based on cost. For example, many lenders will only advertise the lowest interest rate they charge (for good credit borrowers). Borrowers with bad credit can expect interest rates that are as much as 6% higher, loan fees that are as much as 9% higher, and loan limits that are two-thirds lower than the advertised figures.

    The APRs for variable rate loans, if listed, are only the current APRs and are likely to change over the term of the loan. Borrowers should be careful about comparing loans based on the APR, as the APR may be calculated under different assumptions, such as a different number of years in repayment. All else being equal, a longer repayment term will have a lower APR even though the borrower will pay more in interest.

    The information presented below is based on lender provided information. Actual rates and fees may differ.



    Housing Loan Singapore, Best Home Loan Bank Rate Calculator Comparison Singapore, home loan rates comparison.#Home #loan #rates #comparison


    Mobile Homepage

    Fill up the form below for a FREE housing loan analysis. We will contact you within 24 hours (usually sooner)

    Our services are FREE to you as we are compensate separately by the lenders.

    Apply For A Housing Loan Through Us

    If you wonder why you will require our services to assist you to get a housing loan, here is a small introductory list of the value we bring to you

    1) Save your hassle of going about getting your Singapore housing loan

    Instead of physically going to all the local and foreign banks yourself to enquire about your housing loan for purchase or refinacne, we compile all the information for you. You can sit back and go about your daily activities while we handle the hassle of home loan hunting for you.

    2) No pressure hard selling of home loans

    When you go to a housing loan Singapore lender, they may have only 1 product that they can offer you. So that 1 product might be pushed onto you. When you engage our services, we compile all the suitable Singapore housing loan offers from many banks for you to choose from. You can easily compare all housing loan offers and take your pick.

    3) Experience with housing loans in Singapore

    You may not have had a lot of experience obtaining housing loans and uncertain of what terms are available and flexible. Imagine buying a car at what you thought was a good price, and a day later found out that a colleague bought the same car at the a lower price with a lot of freebies. We truly put your interest first when it comes to your best housing loan.

    If you are wondering how you can afford our services, you can relax. We do not charge you any fees. The banks pay us separately. In effect, our value adding services are free to you.

    So contact us now for a FREE housing loan analysis by filling up the above form and we will get to you shortly.

    If you are going about sourcing your housing loan by yourself instead of engaging our free service, these are 3 key tips that might help you

    Home loan rates comparison

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    Car Loan, car loan comparison.#Car #loan #comparison


    Find the best loan for your car

    Car loan comparison

    Personal Loan

    How to Amortise a Loan

    There s usually a very good reason why we get into debt: to purchase a home or car, pay medical bills, or simply just to get by .

    Top 10 Tips on Buying a Used Car

    Buying a new car can be challenging if you don t know much about cars.

    Costs to Consider Before Buying a Car

    So you ve decided to finally buy your dream car. Hats off to you. But before you jump the gun after seeing the seemingly affordable .

    Pros and Cons of Secured Car Loans

    An unsecured car loan is a kind of loan where you put up an asset like a car or house as your security .

    Pros and Cons of Unsecured Car Loans

    Planning on buying your next car? Consider getting an unsecured car loan. .

    Car Depreciation FAQ

    Q: When do cars start depreciating in value? A: Your brand new car starts depreciating in value once you drive it off the lot.

    Ratecity (ACL 316710) is providing this information service. By using it, you are asking Ratecity for information about car loans. The search results do not include all car loan providers and may not include all features relevant to you. Consider whether this general financial advice is right for your personal circumstances. You may need financial advice from a qualified adviser. Ratecity is not a credit provider, nor is it suggesting or recommending a particular credit product. For further details refer to Ratecity’s FSCG. The comparison rate is based on credit of $10,000 and a term of 3 years. The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan.



    Home Loan Comparison, Mortgage – Home Loan Compare, IMB Australia, car loan comparison.#Car #loan #comparison


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    Lending criteria, terms and conditions, fees and charges apply to IMB home loans. 1. Fees quoted are for new applications only. Application fee includes one valuation. Valuation costs over above single/primary security are to be covered by the borrower. Other fees and charges apply. 2. Maximum allowed varies depending on state, occupancy, loan amount and security type. Maximum Loan to Value Ratio is exclusive of any CCI and LMI Insurance components added to the loan.3. The Interest Only period is subject to approval for up to 5 years, cumulative over the term of the loan. The 5 years Interest Only period can be broken down into separate Interest Only periods at any time during the loan term.4. Minimum redraw is $500. Redraw is free via IMB Internet otherwise a $50 fee per redraw via IMB Branch or IMB DIRECT applies.5. Up to 12 months in advance without penalties on fixed loan. Unrestricted on variable component. 6. 100% offset facility is available on the IMB Everyday and Everyday Unlimited products. Please consider the PDS available from IMB before making a decision about IMB deposit products.

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    Compare Home Loans – Home Loan Comparison, iSelect, home loan comparison.#Home #loan #comparison


    Compare home loans

    Prefer to talk? Call 13 19 20 or Schedule a call

    Home Loan Concierge

    A faster way to get conditional approval. Fast track your way to a convenient, tailored home loan recommendation. By answering a few questions a qualified broker will investigate your options and help you secure a home loan suited to your needs.

    Home Loan Calculators

    Home loan comparison

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    Borrowing Power Calculator

    iSelect’s Borrowing Power Calculator gives you an indication of the maximum amount you may be able to borrow based on your income and expenses. Read more

    Refinancing Calculator

    Find out how much you could potentially save by refinancing your loan. Read more

    Extra Repayments Calculator

    When it comes to home loans, a little extra can go a long way. Find out how much time and interest can I save by paying more than my minimum repayment. Read more

    Loan Comparison Calculator

    Compare two loans and determine which is the cheapest in total fees and interest. Read more

    Home Loan Calculator

    It’s no secret that buying a property is a big financial commitment. That’s why it’s so important to make sure you’re comfortable with the ongoing repayments. Work out what your minimum weekly, fortnightly or monthly repayments would be on your home loan. Read more

    Stamp Duty Calculator

    Stamp duty adds significantly to the cost of buying a property. Find out just how much it will cost in your state or territory. Read more

    Lump Sum Calculator

    Find out how much money and time you could save by making a lump sum payment on your loan. Read more

    Split Loan Calculator

    Calculate your repayments & total interest under different fixed & variable rate scenarios. Read more

    We compare some of Australia’s biggest brands

    Home loan comparison Home loan comparison Home loan comparison Home loan comparison Home loan comparison Home loan comparison Home loan comparison

    iSelect. Always get it right

    • Home loan comparison

    Step 1. Get acquainted

    Tell us a bit about yourself and what you’re looking for.

  • Home loan comparison

    Step 2. Get fitted

    Customise your loan so you know you’re making the right choice.

  • Home loan comparison

    Step 3. Get sorted

    We’ll take you through your home loan options and support you from application to settlement.

    The Advisor Australian Broker Awards 2017

    Home loan comparison Home loan comparison Home loan comparison

    iSelect it

    Compare, research and buy

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    We’re different

    We’ve worked hard with our partners to bring you special home loan deals, competitive mortgage rates and a more seamless, efficient and convenient experience.

  • Home loan comparison

    Plenty of choice

    We compare hundreds of home loan products from more than 25 of Australia’s most recognised home loan lenders, so you’ll find the loan that’s right for you.

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  • Loan Payment Calculator – Quick and easy, Calculators by CalcXML, loan comparison calculator.#Loan #comparison #calculator


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    What would my loan payments be?

    The loan amount, the interest rate, and the term of the loan can have a dramatic effect on the total amount you will eventually pay on a loan. Use our loan payment calculator to determine the payment and see the impact of these variables on a specified loan amount complete with an amortization schedule.

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    Advantages of a Good Credit Score

    Interest is the charge added to a loan that makes up the cost of money. Interest is usually expressed as a percentage of the loan principal. The principal is the original amount of the loan. The interest rate tells you what percentage of the unpaid loan will be charged each period. The period is usually a year but may be any agreed-upon time. Here is how it works. Let’s say you loan your friend $100 at 5% annual interest. At the end of a year the period you should receive $105, or $100 of principal and $5 interest. Simple, isn’t it?

    Let’s say your friend doesn’t repay the $100 principal, but pays you only the $5 interest; then the next year your friend will still owe you the $100 plus another $5 in interest. The preceding is an example of simple interest. Simple interest is the amount of money to be paid each period on a principal amount due.

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    5 Ways to Create a Budget That Works

    In personal finance, you set financial goals so you can plan your budget around those goals. After all, they are your priorities, aren’t they? Here is how financial planners work with budgets:

    A budget has two main components: cash coming in (inflows) and cash going out (outflows). If you subtract the outflows from the inflows, the answer should always be zero. That is called balancing the budget.

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    Credit 101

    An important part of personal finance is how you manage your debt. Ideally, you would not have any debt, but in practice, most families do. It is not likely that most persons would be able to buy a car, a house, an education, or even major appliances without having to incur some debt. Sometimes, debt may actually be desirable, especially if you could borrow money at a low interest rate to make a high-interest investment.

    Debt makes everything cost more. If you saw a sign in a store window advertising “Sale — Everything 25% Off,” you might be tempted to rush in and buy, buy, buy. But what if the sign said “Sale — Everything 25% More Than Marked”? That is just what happens when you pay for goods and services using debt. Moreover, you may be using debt without even realizing it.

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    This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.

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    Housing Loan Singapore, Best Home Loan Bank Rate Calculator Comparison Singapore, loan comparison.#Loan #comparison


    Mobile Homepage

    Fill up the form below for a FREE housing loan analysis. We will contact you within 24 hours (usually sooner)

    Our services are FREE to you as we are compensate separately by the lenders.

    Apply For A Housing Loan Through Us

    If you wonder why you will require our services to assist you to get a housing loan, here is a small introductory list of the value we bring to you

    1) Save your hassle of going about getting your Singapore housing loan

    Instead of physically going to all the local and foreign banks yourself to enquire about your housing loan for purchase or refinacne, we compile all the information for you. You can sit back and go about your daily activities while we handle the hassle of home loan hunting for you.

    2) No pressure hard selling of home loans

    When you go to a housing loan Singapore lender, they may have only 1 product that they can offer you. So that 1 product might be pushed onto you. When you engage our services, we compile all the suitable Singapore housing loan offers from many banks for you to choose from. You can easily compare all housing loan offers and take your pick.

    3) Experience with housing loans in Singapore

    You may not have had a lot of experience obtaining housing loans and uncertain of what terms are available and flexible. Imagine buying a car at what you thought was a good price, and a day later found out that a colleague bought the same car at the a lower price with a lot of freebies. We truly put your interest first when it comes to your best housing loan.

    If you are wondering how you can afford our services, you can relax. We do not charge you any fees. The banks pay us separately. In effect, our value adding services are free to you.

    So contact us now for a FREE housing loan analysis by filling up the above form and we will get to you shortly.

    If you are going about sourcing your housing loan by yourself instead of engaging our free service, these are 3 key tips that might help you

    Loan comparison

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    Recent Posts

    Latest SIBOR And SOR History Trends Chart

    Posted on July 10th

    TDSR What You Should Know About Calculating Debt Ratio

    Posted on May 26th

    Housing Loan A Comprehensive Guide To Mortgage Choices In Singapore

    Posted on May 3rd

    Refinance Home Loan To Slash Your Existing Mortgage Rates



    Housing Loan Singapore, Best Home Loan Bank Rate Calculator Comparison Singapore, home loan rates comparison.#Home #loan #rates #comparison


    Mobile Homepage

    Fill up the form below for a FREE housing loan analysis. We will contact you within 24 hours (usually sooner)

    Our services are FREE to you as we are compensate separately by the lenders.

    Apply For A Housing Loan Through Us

    If you wonder why you will require our services to assist you to get a housing loan, here is a small introductory list of the value we bring to you

    1) Save your hassle of going about getting your Singapore housing loan

    Instead of physically going to all the local and foreign banks yourself to enquire about your housing loan for purchase or refinacne, we compile all the information for you. You can sit back and go about your daily activities while we handle the hassle of home loan hunting for you.

    2) No pressure hard selling of home loans

    When you go to a housing loan Singapore lender, they may have only 1 product that they can offer you. So that 1 product might be pushed onto you. When you engage our services, we compile all the suitable Singapore housing loan offers from many banks for you to choose from. You can easily compare all housing loan offers and take your pick.

    3) Experience with housing loans in Singapore

    You may not have had a lot of experience obtaining housing loans and uncertain of what terms are available and flexible. Imagine buying a car at what you thought was a good price, and a day later found out that a colleague bought the same car at the a lower price with a lot of freebies. We truly put your interest first when it comes to your best housing loan.

    If you are wondering how you can afford our services, you can relax. We do not charge you any fees. The banks pay us separately. In effect, our value adding services are free to you.

    So contact us now for a FREE housing loan analysis by filling up the above form and we will get to you shortly.

    If you are going about sourcing your housing loan by yourself instead of engaging our free service, these are 3 key tips that might help you

    Home loan rates comparison

    Home loan rates comparison

    Home loan rates comparison

    Recent Posts

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    Posted on July 10th

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    Posted on May 3rd

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    Home Loan Calculators – Mortgage and Borrowing, HSBC Australia, home loan comparison.#Home #loan #comparison


    Home Loans – Loan Calculators

    Home loan comparison

    Whether you’re in the market for a new house or want all the details about a home loan – you need facts and figures. Try calculating here – the answers are quick and easy online.

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    Home Loan Repayment Calculator

    This is a good place to start if you have a price that should secure your new dream home and you want to see if the payments will be affordable.

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    Borrowing Power Calculator

    How much can I borrow? Check out approximately how much you will be eligible to borrow with HSBC Bank Australia.

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    Stamp Duty Calculator

    This tool calculates stamp duty for every state and territory in Australia, you can even compare duty on housing and land.

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    Home Loan Comparison

    Enter two different home loan options for an online comparison of total interest and fees payable over the life of the loan.

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    Extra repayments

    How much interest can I save by making extra payments? Calculate the answer here.

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    Lump sum repayment

    See how much interest you could save by making a lump sum payment.

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    Split loan calculator

    Calculate repayments and total interest under different fixed and variable rate scenarios.

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  • Investment home loan, Westpac, home loan comparison.#Home #loan #comparison


    Rocket Investment Loan

    Special limited time offer when you package a new Rocket Investment Loan under our Premier Advantage Package: receive up to a total of 0.9% p.a. discount off the applicable variable rate depending on the total packaged loan amounts (new and existing). Annual package fee of $395 and conditions apply. Special limited time offer available from 19/09/2016 which may be withdrawn or varied at any time.

    Save on interest payments with a 100% offset to save on interest.

    When you offset your Rocket Investment Loan with your Westpac Choice account you could reduce the interest you’ll pay.

    Great flexible features

    Rocket Investment Home Loan has great flexible features

    • Interest only option available

    Set up a redraw facility to redraw excess funds from your loan at no extra cost

  • Increase your home loan

    Apply to access more funds using our “top up / loan increase” facility (fees apply)

  • Make extra payments and take a repayment holiday

    If you’ve made extra repayments, you can take a break from making repayments.

    Save by packaging your investment loan

    You could potentially save thousands if you give your home loan the premier advantage, with our great home loan package (an annual package fee, currently $395 applies).

    For example, on a Rocket Investment Loan of $750,000 with principal and interest repayments:

    The package discount that applies to any loan is the discount offered at the time the loan is taken out.

    Talk to us

    Our home loan experts can help you through every step of getting a home loan. Visit a branch or call us on 1300 650 105.

    Limited time offer details

    When you take out a selected new fully documented home loan in combination with our Choice transaction account and Premier Advantage Package: for total packaged loans (new and existing) of $750,000 or more, receive 0.9% p.a. off the applicable variable rate; of $500,000 to $749,999, receive 0.85% p.a. off the applicable variable rate; of $250,000 to $499,999 receive 0.80% p.a. off the applicable variable rate and of $150,000 to $249,999, receive 0.6% p.a. off the applicable variable interest rate.

    Special interest rate discounts are only available on 1) the applicable variable rate on Rocket Repay Home, Rocket Investment Property for principal and interest and interest only repayments and Equity Access Loans which are 2) included in a Premier Advantage Package (Package) and 3) Special limited time offer available from 19/09/2016 which may be withdrawn or varied at any time.

    You must either hold or be approved for a Westpac Choice transaction account in order to qualify and continue to receive the benefits of the Package. Before deciding to acquire a Westpac Choice account, consider whether it is appropriate for you by reading the Deposit Accounts for Personal and Self-Managed Superannuation Fund Customers (PDF 1MB) .

    Special rate discount applies only to full doc loans and includes the standard package discount of 0.70% p.a. for loans of $250,000 or more and 0.40% p.a. for loans between $150,000 and $249,999.

    Premier Advantage Package Conditions of Use apply. Discounts do not apply to internal refinances and are not transferable between loans. Package benefits cannot be taken in conjunction with, or in addition to other special offers, negotiated rates or discounts.

    Interest offset account

    An interest offset account is a transaction account linked to a home loan which reduces the interest charged on the home loan. No credit interest will be earned on the balance in the linked transaction account.

    Interest only repayments

    Property investors may use interest only repayments to maximise their tax deductibility benefits (seek tax advice). Paying interest only will mean smaller monthly payments, as no principal amount is being repaid. At the end of the interest only period your repayments will be higher to repay the principal over the remaining, shorter term. There may be more interest paid overall compared to a loan with principal and interest repayments throughout its term.

    Make extra repayments and redraw those funds

    Pay off your loan earlier and pay less interest by making additional repayments. You have same day access to redraw your extra repayments. Redraw fee may apply depending on the product (and/or means by which the redraw is made). Any party to the loan can access the available redraw amount. The bank has a discretion to suspend redraws.



  • Compare Home Loans – Home Loan Comparison, iSelect, home loans comparison.#Home #loans #comparison


    Compare home loans

    Prefer to talk? Call 13 19 20 or Schedule a call

    Home Loan Concierge

    A faster way to get conditional approval. Fast track your way to a convenient, tailored home loan recommendation. By answering a few questions a qualified broker will investigate your options and help you secure a home loan suited to your needs.

    Home Loan Calculators

    Home loans comparison

    Home Loan Calculators

    Borrowing Power Calculator

    iSelect’s Borrowing Power Calculator gives you an indication of the maximum amount you may be able to borrow based on your income and expenses. Read more

    Refinancing Calculator

    Find out how much you could potentially save by refinancing your loan. Read more

    Extra Repayments Calculator

    When it comes to home loans, a little extra can go a long way. Find out how much time and interest can I save by paying more than my minimum repayment. Read more

    Loan Comparison Calculator

    Compare two loans and determine which is the cheapest in total fees and interest. Read more

    Home Loan Calculator

    It’s no secret that buying a property is a big financial commitment. That’s why it’s so important to make sure you’re comfortable with the ongoing repayments. Work out what your minimum weekly, fortnightly or monthly repayments would be on your home loan. Read more

    Stamp Duty Calculator

    Stamp duty adds significantly to the cost of buying a property. Find out just how much it will cost in your state or territory. Read more

    Lump Sum Calculator

    Find out how much money and time you could save by making a lump sum payment on your loan. Read more

    Split Loan Calculator

    Calculate your repayments & total interest under different fixed & variable rate scenarios. Read more

    We compare some of Australia’s biggest brands

    Home loans comparison Home loans comparison Home loans comparison Home loans comparison Home loans comparison Home loans comparison Home loans comparison

    iSelect. Always get it right

    • Home loans comparison

    Step 1. Get acquainted

    Tell us a bit about yourself and what you’re looking for.

  • Home loans comparison

    Step 2. Get fitted

    Customise your loan so you know you’re making the right choice.

  • Home loans comparison

    Step 3. Get sorted

    We’ll take you through your home loan options and support you from application to settlement.

    The Advisor Australian Broker Awards 2017

    Home loans comparison Home loans comparison Home loans comparison

    iSelect it

    Compare, research and buy

    • Home loans comparison

    We’re different

    We’ve worked hard with our partners to bring you special home loan deals, competitive mortgage rates and a more seamless, efficient and convenient experience.

  • Home loans comparison

    Plenty of choice

    We compare hundreds of home loan products from more than 25 of Australia’s most recognised home loan lenders, so you’ll find the loan that’s right for you.

  • Home loans comparison



  • Housing Loan Singapore, Best Home Loan Bank Rate Calculator Comparison Singapore, loan comparison.#Loan #comparison


    Mobile Homepage

    Fill up the form below for a FREE housing loan analysis. We will contact you within 24 hours (usually sooner)

    Our services are FREE to you as we are compensate separately by the lenders.

    Apply For A Housing Loan Through Us

    If you wonder why you will require our services to assist you to get a housing loan, here is a small introductory list of the value we bring to you

    1) Save your hassle of going about getting your Singapore housing loan

    Instead of physically going to all the local and foreign banks yourself to enquire about your housing loan for purchase or refinacne, we compile all the information for you. You can sit back and go about your daily activities while we handle the hassle of home loan hunting for you.

    2) No pressure hard selling of home loans

    When you go to a housing loan Singapore lender, they may have only 1 product that they can offer you. So that 1 product might be pushed onto you. When you engage our services, we compile all the suitable Singapore housing loan offers from many banks for you to choose from. You can easily compare all housing loan offers and take your pick.

    3) Experience with housing loans in Singapore

    You may not have had a lot of experience obtaining housing loans and uncertain of what terms are available and flexible. Imagine buying a car at what you thought was a good price, and a day later found out that a colleague bought the same car at the a lower price with a lot of freebies. We truly put your interest first when it comes to your best housing loan.

    If you are wondering how you can afford our services, you can relax. We do not charge you any fees. The banks pay us separately. In effect, our value adding services are free to you.

    So contact us now for a FREE housing loan analysis by filling up the above form and we will get to you shortly.

    If you are going about sourcing your housing loan by yourself instead of engaging our free service, these are 3 key tips that might help you

    Loan comparison

    Loan comparison

    Loan comparison

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    FinAid, Calculators, Loan Comparison Calculator, loan comparison.#Loan #comparison


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    Loan Comparison Calculator

    This Loan Comparison Calculator computes an estimate of the size of your monthly loan payments for three loans at the same time. You can also use it to compare the total payments and total interest paid for different interest rates, loan terms and monthly payments.

    This calculator assumes that the interest rate remains constant throughout the life of the loan. Many educational loan programs, including the Stafford and PLUS loans, have variable interest rates. We suggest you use the current maximum rates (8.25% for Stafford and 9% for PLUS) to get a ceiling on the interest payments. (Perkins loans have a fixed interest rate of 5%.)

    This calculator also assumes that the loan will be repaid in equal monthly installments. The results will not be accurate for some of the alternate repayment plans, such as graduated repayment and income contingent repayment.

    Some educational loans have a minimum monthly payment. Please enter the appropriate figure ($50 for Stafford Loans, $40 for Perkins Loans and $50 for PLUS Loans) in the minimum payment field. Enter a higher figure to see how much money you can save by paying off your debt faster.



    Housing Loan Singapore, Best Home Loan Bank Rate Calculator Comparison Singapore, home loan rates comparison.#Home #loan #rates #comparison


    Mobile Homepage

    Fill up the form below for a FREE housing loan analysis. We will contact you within 24 hours (usually sooner)

    Our services are FREE to you as we are compensate separately by the lenders.

    Apply For A Housing Loan Through Us

    If you wonder why you will require our services to assist you to get a housing loan, here is a small introductory list of the value we bring to you

    1) Save your hassle of going about getting your Singapore housing loan

    Instead of physically going to all the local and foreign banks yourself to enquire about your housing loan for purchase or refinacne, we compile all the information for you. You can sit back and go about your daily activities while we handle the hassle of home loan hunting for you.

    2) No pressure hard selling of home loans

    When you go to a housing loan Singapore lender, they may have only 1 product that they can offer you. So that 1 product might be pushed onto you. When you engage our services, we compile all the suitable Singapore housing loan offers from many banks for you to choose from. You can easily compare all housing loan offers and take your pick.

    3) Experience with housing loans in Singapore

    You may not have had a lot of experience obtaining housing loans and uncertain of what terms are available and flexible. Imagine buying a car at what you thought was a good price, and a day later found out that a colleague bought the same car at the a lower price with a lot of freebies. We truly put your interest first when it comes to your best housing loan.

    If you are wondering how you can afford our services, you can relax. We do not charge you any fees. The banks pay us separately. In effect, our value adding services are free to you.

    So contact us now for a FREE housing loan analysis by filling up the above form and we will get to you shortly.

    If you are going about sourcing your housing loan by yourself instead of engaging our free service, these are 3 key tips that might help you

    Home loan rates comparison

    Home loan rates comparison

    Home loan rates comparison

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    Posted on July 10th

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    Posted on May 3rd

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    Home Loan Calculators – Mortgage and Borrowing, HSBC Australia, home loan comparison.#Home #loan #comparison


    Home Loans – Loan Calculators

    Home loan comparison

    Whether you’re in the market for a new house or want all the details about a home loan – you need facts and figures. Try calculating here – the answers are quick and easy online.

    • Home loan comparison

    Home Loan Repayment Calculator

    This is a good place to start if you have a price that should secure your new dream home and you want to see if the payments will be affordable.

  • Home loan comparison

    Borrowing Power Calculator

    How much can I borrow? Check out approximately how much you will be eligible to borrow with HSBC Bank Australia.

    • Home loan comparison

    Stamp Duty Calculator

    This tool calculates stamp duty for every state and territory in Australia, you can even compare duty on housing and land.

  • Home loan comparison

    Home Loan Comparison

    Enter two different home loan options for an online comparison of total interest and fees payable over the life of the loan.

    More calculators

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    Extra repayments

    How much interest can I save by making extra payments? Calculate the answer here.

    Home loan comparison

    Lump sum repayment

    See how much interest you could save by making a lump sum payment.

    Home loan comparison

    Split loan calculator

    Calculate repayments and total interest under different fixed and variable rate scenarios.

    Home loan comparison



  • Home loan package, Westpac, home loan comparison.#Home #loan #comparison


    Home loan package

    When you package your home loan and bank account, you could enjoy the benefits of Premier Advantage Package, including interest rate discounts and savings on a range of great products.

    For an annual package fee of $395 you could save up to $2,506 in your first year on a $250,000 home loan.

    Benefits of packaging your loan

    • Discounts on a range of Westpac standard variable rate and Westpac fixed rate home loans
    • For any packaged home loan, pay no loan maintenance fee, “top up / loan increase” fee, portability fee or switching fee (excluding switches to a non-package loan)
    • Pay no monthly service fee on your Westpac Choice account, regardless of total monthly deposit
    • Pay no annual card fee on the card you select from a range of Westpac credit cards. Other fees and charges may apply.

    Once you’ve selected the home loan that works for you and you’ve set up your Westpac Choice account, take advantage of the Premier Advantage Package to enjoy real savings.

    Conditions on Premier Advantage Package take into account your total packaged Westpac home loan borrowings. Full details are set out in the Premier Advantage Package Conditions of Use (PDF 1MB) .

    You could receive up to 0.9% p.a. discount off the applicable variable rate on your new Rocket Repay Home Loan when your new loan or your packaged home loan borrowings including your new loan total $750,000 or more. More about the Premier Advantage Package discounts that apply to your new Westpac home loan.

    There’s no limit to the number of eligible loans you can have within a package that may receive an interest rate discount.

    If you currently have discounted loans within an existing Premier Advantage Package, the discount on those loans will be the discount offered at the time those loans were taken. The discount on any new loans which may be added to your package will be the discount offered at the time those loans are taken.

    Variable rate home loan – for Rocket Repay Home Loan, Rocket Investment Loan Equity Access Loan under Premier Advantage Package

    Fixed rate home loan – for Fixed Options Home Loan and Fixed Rate Investment Property Loan under Premier Advantage Package

    You could also save on your loan fees:

    • No establishment fee – save $600
    • No ongoing loan maintenance fees – save $96 – $120
    • No “top up / loan increase” fees to increase your loan limit – save $400

    (not available on fixed rate loans)

  • No portability fee if you move house – security criteria apply – save $300
  • No switching fee – save $300.
  • Westpac Choice

    When you package your Westpac Choice, you’ll pay no monthly service fee regardless of how much you deposit each month.

    Westpac Choice provides you with:

    • Unlimited free transactions across Westpac branches, Westpac Group ATMs, eftpos, Westpac Telephone Banking and Online Banking (.Other fees apply including for the use of non-Westpac Group ATMs and overseas ATMs.)
    • Access to your funds with Debit Mastercard ®
    • Link as an offset account to your Rocket Repay Home Loan and cut the interest on your loan.

    Credit cards

    Save on the annual card fee with a credit card from the great range below

    With the Premier Advantage Package you can choose one of these credit cards with no annual card fee. Other fees and charges may apply.

    Altitude or Altitude Platinum Credit Cards

    • No annual card fee
    • Choose between two great rewards programs – Altitude Rewards or Altitude Qantas.

    Altitude Black Credit Cards

    • No annual card fee
    • Choose between two great rewards programs – Altitude Rewards or Altitude Qantas
    • Earn uncapped Altitude Points on eligible purchases.

    Low Rate Credit Card

    • No annual card fee
    • A simple no frills card with a lower variable interest rate on purchases and a higher variable interest rate on cash advances.

    55 Day Credit Card

    • No annual card fee on 55 Day Credit Card. The annual card fee (currently $30) is normally waived for the first year and waived for subsequent years when you spend $5,000 or more on purchases in the previous year using your card.

    (Also no annual card fee on 55 Day Gold cards.( annual card fee (currently $90) is normally waived for the first year and waived for subsequent years when you spend $15,000 or more on purchases in the previous year using your card.) Please note that these cards are no longer for sale.)

    55 Day Platinum Credit Card

    • No annual card fee. 55 Day Platinum Credit Card annual card fee (currently $90) is normally waived for the first year and waived for subsequent years when you spend $10,000 or more on purchases in the previous year using your card.

    Insurance

    Save on insurance to protect the assets you’ve worked hard for.

    We’re here to do all we can to help protect your future, so we offer flexible cover to look after the things you cherish just in case. With the Premier Advantage Package you’ll save on your insurance premium.

    Home and Contents Insurance

    Collectively, your home and all the things you’ve collected over the years can represent one of your biggest investments.

    Choose from three levels of cover to assist if unexpected events occur like storm, flood, fire, theft and more.

    • Save up to 10%* on your Home and/or Contents Insurance Premium.

    Home and Contents Insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) (except workers compensation cover where applicable). Westpac Banking Corporation ABN 33 007 457 141distributes the insurance, but does not guarantee the insurance. This information does not take into account your personal circumstances. Read the Product Disclosure Statement, to see if this insurance is right for you. Call 1300 650 255 or visit the Home and contents insurance page for more information.

    Landlord’s Insurance

    Protect the investment property with cover for storm, flood and fire, theft, loss of rent and malicious damage by tenants or rent default. We’ll help you choose the right cover, so you only pay for the insurance you might need.

    • Receive a 10% on your annual premium if you have a Premier Advantage Package

    Landlord Insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) (except workers compensation cover where applicable). Westpac Banking Corporation ABN 33 007 457 141distributes the insurance, but does not guarantee the insurance. This information does not take into account your personal circumstances. Read the Product Disclosure Statement, to see if this insurance is right for you. Call 1300 650 255 or visit the Home and contents insurance page for more information.

    If you add up the savings offered by Premier Advantage Package, you could save over $2,000 in the first year and nearly $2,000 in the second year. You’ll continue to save for the life of your loan when you add up the savings offered by Premier Advantage Package.

    (This example is based on our standard discount. It doesn’t show any additional discounts which might apply under a special promotion).



    Home Loan Comparison, Mortgage – Home Loan Compare, IMB Australia, home loans comparison.#Home #loans #comparison


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    Lending criteria, terms and conditions, fees and charges apply to IMB home loans. 1. Fees quoted are for new applications only. Application fee includes one valuation. Valuation costs over above single/primary security are to be covered by the borrower. Other fees and charges apply. 2. Maximum allowed varies depending on state, occupancy, loan amount and security type. Maximum Loan to Value Ratio is exclusive of any CCI and LMI Insurance components added to the loan.3. The Interest Only period is subject to approval for up to 5 years, cumulative over the term of the loan. The 5 years Interest Only period can be broken down into separate Interest Only periods at any time during the loan term.4. Minimum redraw is $500. Redraw is free via IMB Internet otherwise a $50 fee per redraw via IMB Branch or IMB DIRECT applies.5. Up to 12 months in advance without penalties on fixed loan. Unrestricted on variable component. 6. 100% offset facility is available on the IMB Everyday and Everyday Unlimited products. Please consider the PDS available from IMB before making a decision about IMB deposit products.

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    Housing Loan Singapore, Best Home Loan Bank Rate Calculator Comparison Singapore, home loan rates comparison.#Home #loan #rates #comparison


    Mobile Homepage

    Fill up the form below for a FREE housing loan analysis. We will contact you within 24 hours (usually sooner)

    Our services are FREE to you as we are compensate separately by the lenders.

    Apply For A Housing Loan Through Us

    If you wonder why you will require our services to assist you to get a housing loan, here is a small introductory list of the value we bring to you

    1) Save your hassle of going about getting your Singapore housing loan

    Instead of physically going to all the local and foreign banks yourself to enquire about your housing loan for purchase or refinacne, we compile all the information for you. You can sit back and go about your daily activities while we handle the hassle of home loan hunting for you.

    2) No pressure hard selling of home loans

    When you go to a housing loan Singapore lender, they may have only 1 product that they can offer you. So that 1 product might be pushed onto you. When you engage our services, we compile all the suitable Singapore housing loan offers from many banks for you to choose from. You can easily compare all housing loan offers and take your pick.

    3) Experience with housing loans in Singapore

    You may not have had a lot of experience obtaining housing loans and uncertain of what terms are available and flexible. Imagine buying a car at what you thought was a good price, and a day later found out that a colleague bought the same car at the a lower price with a lot of freebies. We truly put your interest first when it comes to your best housing loan.

    If you are wondering how you can afford our services, you can relax. We do not charge you any fees. The banks pay us separately. In effect, our value adding services are free to you.

    So contact us now for a FREE housing loan analysis by filling up the above form and we will get to you shortly.

    If you are going about sourcing your housing loan by yourself instead of engaging our free service, these are 3 key tips that might help you

    Home loan rates comparison

    Home loan rates comparison

    Home loan rates comparison

    Recent Posts

    Latest SIBOR And SOR History Trends Chart

    Posted on July 10th

    TDSR What You Should Know About Calculating Debt Ratio

    Posted on May 26th

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    Posted on May 3rd

    Refinance Home Loan To Slash Your Existing Mortgage Rates



    Car Loan, Barclays, car loan comparison.#Car #loan #comparison


    Car loan

    Driving a better deal with a loan

    When it comes to buying your next car, knowing you’ve got the money in your back pocket can help you get a better deal.

    Loans are subject to status. Early settlement fees apply.

    ✔ Check to see if you have a personalised price quote 1

    ✔ Comes with a price guarantee (conditions apply)

    ✔ Easily calculate your potential repayments – all before taking a test drive

    0 APR Representative

    over 2-5 years. (Your rate may differ 2 )

    Why get a car loan with us?

    Discover your loan rate before taking that test drive

    Knowing how much you can borrow really helps when hunting for a new or used car. And unlike some other lenders, in many cases we can give you a personalised price quote up front – with no impact on your credit score.

    You can check to see if you have a provisional loan limit before you apply. If you have a current account with us, simply log in to Online Banking or Barclays Mobile Banking, if you’re registered 1 .

    More bargaining power – sellers beware!

    It’s quick and easy to apply and, if your loan application is approved and you’ve signed your loan agreement online, the money is usually transferred to your current account straightaway 3 . This could give you more bargaining power in the showrooms and forecourts, as you’ll have the cash to hand.

    If you take out a Barclayloan for your car, and another lender offers you a like-for-like unsecured loan with a lower APR, you can claim under our guarantee – within 30 days of the date we signed your Barclayloan agreement. We’ll reduce the interest rate to produce an APR equal to the competing offer and recalculate your monthly repayments to reflect the reduced interest rate. Please see our full price guarantee terms and conditions.

    Fixed monthly repayments

    This could help you budget.

    Choose your payment term

    Depending on the loan amount.

    Already have a Barclayloan and need more funds? You can apply to increase your borrowing with us. If you just want to take out a second loan instead of topping up, that could be an option too.

    Repaying your loan early

    You have the right to repay your loan early, in part or full, at any time. We’ll charge a fee equal to 30 days’ interest on the amount you’re repaying, as well as any other interest that’s due.

    Eligibility

    You may be eligible to top up your Barclayloan online if you:

    ✔ A Barclays current or savings account, mortgage or Barclaycard

    ✔ To be aged 18 or above

    You can use your loan for almost anything, apart from:

    • Business reasons
    • Investments, including buying stocks and shares
    • Timeshares
    • Purchasing property (home improvements are fine)
    • Gambling-related expenses
    • Repaying CCJs (county court judgments)
    • A purchase made by combining this loan with any others

    Resume an application

    If you’ve already started a loan application and have saved your progress, you can pick up where you left off.

    If you applied via Online Banking

    Log in to Online Banking here, and we’ll take you straight to your saved application.

    If you used our online application form

    If you started your application via our online form, we’ll have sent you an email with your reference number. You can enter the number here.

    Our lending commitments and what we ask of you

    As a lender, we have a responsibility to act fairly and as part of this we have committed to follow the Standards of Lending Practice. This note sets out some of our key responsibilities and what we ask of you, to ensure that the relationship works well for both of us.

    • We will lend responsibly and aim to provide a product that is affordable for you.
    • We will provide you with information about our products and services and how they work, in a clear and understandable way, so that you can decide what’s best for you and your needs.
    • We will endeavour to make sure our products and services offer, wherever possible, the flexibility to meet your needs.
    • We will treat you fairly and reasonably at all times and make sure that you are provided with a high level of service.
    • If you tell us about any inaccuracies, for example around the personal information we hold about you, we will act quickly to put it right.
    • We will always aim to help you if we see, or you tell us, that you are having trouble financially. We will seek to understand your overall circumstances, try and identify options that you can afford and where appropriate, provide a reference to free debt advice.

    What we ask of you

    • We ask you to think carefully about whether you can afford to repay the money you want to borrow and to be open in your dealings with us.
    • Take care of any cards, PINs, online log-in details and other security information to help prevent fraud and help us to protect your accounts.
    • Tell us as soon as possible if your card has been lost or stolen, or if you know or suspect someone is misusing your confidential information e.g. your PIN or online log-in details.
    • Carefully check your account statements to make sure they are accurate. If anything isn’t right, please get in touch with us.

    Please let us know if

    • Your contact details change, so we can keep our records up to date.
    • Your circumstances change, particularly if what’s happened is likely to cause you difficulties in managing your account or financial problems.
    • You think that you won’t be able to keep up with your repayments. The sooner you do this, the more likely it is we’ll be able to find a way to help you.

    We would also encourage you to refer to the terms and conditions associated with your current account, credit card or personal loan.



    Compare Car Lease and Auto Loan Offers, car loan comparison.#Car #loan #comparison


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    auto lease and loan offers from top national banks on all new and many late-model used cars. Select the best payment and apply online for a fast credit decision. See a list of vehicles you can lease based on your desired monthly car payment.

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    View the most requested vehicles on LeaseCompare.com

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    LeaseCompare.com makes it easy to shop and compare lease payments for diesel cars.

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    Housing Loan Singapore, Best Home Loan Bank Rate Calculator Comparison Singapore, home loan comparison.#Home #loan #comparison


    Mobile Homepage

    Fill up the form below for a FREE housing loan analysis. We will contact you within 24 hours (usually sooner)

    Our services are FREE to you as we are compensate separately by the lenders.

    Apply For A Housing Loan Through Us

    If you wonder why you will require our services to assist you to get a housing loan, here is a small introductory list of the value we bring to you

    1) Save your hassle of going about getting your Singapore housing loan

    Instead of physically going to all the local and foreign banks yourself to enquire about your housing loan for purchase or refinacne, we compile all the information for you. You can sit back and go about your daily activities while we handle the hassle of home loan hunting for you.

    2) No pressure hard selling of home loans

    When you go to a housing loan Singapore lender, they may have only 1 product that they can offer you. So that 1 product might be pushed onto you. When you engage our services, we compile all the suitable Singapore housing loan offers from many banks for you to choose from. You can easily compare all housing loan offers and take your pick.

    3) Experience with housing loans in Singapore

    You may not have had a lot of experience obtaining housing loans and uncertain of what terms are available and flexible. Imagine buying a car at what you thought was a good price, and a day later found out that a colleague bought the same car at the a lower price with a lot of freebies. We truly put your interest first when it comes to your best housing loan.

    If you are wondering how you can afford our services, you can relax. We do not charge you any fees. The banks pay us separately. In effect, our value adding services are free to you.

    So contact us now for a FREE housing loan analysis by filling up the above form and we will get to you shortly.

    If you are going about sourcing your housing loan by yourself instead of engaging our free service, these are 3 key tips that might help you

    Home loan comparison

    Home loan comparison

    Home loan comparison

    Recent Posts

    Latest SIBOR And SOR History Trends Chart

    Posted on July 10th

    TDSR What You Should Know About Calculating Debt Ratio

    Posted on May 26th

    Housing Loan A Comprehensive Guide To Mortgage Choices In Singapore

    Posted on May 3rd

    Refinance Home Loan To Slash Your Existing Mortgage Rates



    Home Loans Adelaide – Assured Home Loans for Buyers – Investors, home loans comparison.#Home #loans #comparison


    Welcome to Assured Home Loans

    No fee for our advice

    Group Established 1988

    Home loans comparison

    Welcome to Assured Home Loans

  • We compare over 1,300 loans

  • No fee for our advice

  • Talk to us 9am to 9pm 7 days

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    Find a home loan that s right for you. Talk to a home loan expert today!

    Welcome to Assured Home Loans

    When you buy a home, refinance or invest in property, it’s so much more than just taking out a mortgage. That’s why we offer home loans that suit your lifestyle. At Assured there are no bank managers, push button options or overseas call centres, just straight talk and loans designed to give you the freedom and flexibility you need to get on with living.

    We’ve been in business for almost 30 years, so you know you’re placing your trust where many other customers have before you.

    We have access to over 30 bank and non-bank lenders, (including the big 4), and over 1,300 home loan options and our advice is 100% free. That means you receive a huge range of choice, and save both your time and money.

    Feel free to take your time browsing through our site, because it was designed just for you. You’ll find all the answers you need about mortgages and home loans. When you’re ready you can make an online enquiry, apply online or give us a call on: 83 600 200, the choice is yours, so choose home loans for living.



  • Car loan repayment calculator – Car finance calculator, Esanda, loan comparison calculator.#Loan #comparison #calculator


    Car loan repayment calculator

    Estimate your monthly repayments with our car loan repayment calculator. If you have not yet contacted us for an indicative rate but wish to estimate repayments, our rates start from Loan comparison calculator(View current rates) % p.a. (comparison rate Loan comparison calculator(View current rates) % p.a. * ). Your actual interest rate and repayments will depend on Esanda’s credit assessment of your application.

    Quick response

    Peace of mind

    Note: A balloon amount is only available to approved applicants and is subject to several factors considered as part of your loan application. A Balloon is only available on a loan term of 1 to 5 years.

    1. This calculator is provided for illustrative purposes only and does not constitute a quote. Information provided by this calculator is based on the accuracy of information provided by you and does not take into account your personal needs and financial circumstances.
    2. Esanda will not store the information provided in this calculator.
    3. Additional fees and charges apply.
    4. All applications are subject to Esanda’s normal credit approval criteria.
    5. This calculator is not applicable for Novated Lease

    * Comparison rate shown for a secured loan on a loan amount $30,000 over a term of 5 years based on monthly repayments. Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

    2015 Copyright Esanda, a division of Australia and New Zealand Banking Group Limited ABN 11 005 357 522.



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    #

    Definitions

    Loan amount The total dollar amount for this loan.

    Interest rate The interest rate on this loan.

    Loan term The number of years over which you will repay this loan. The most common terms are 15 years and 30 years. If this loan has a “balloon” payment, the loan term will be shorter than the number of years to amortize the loan. For example, a loan with a 5-year term amortized over 30 years will have the same monthly payment as a 30-year loan with the same interest rate. The difference is the 30-year loan will have equal payments for 30 years. The 5-year loan will have equal payments for 5 years and then a very large, or balloon, payment for the remaining balance.

    Amortization The number of years used in calculating the monthly payment. Loans that are amortized over a longer period than their loan term have a balloon payment. See “Loan term” for more information.

    Origination fee The dollar amount charged as a loan origination fee, which is included in the Annual Percentage Rate (APR) calculation. For many loans a 1% origination fee is common. For example: a 1% fee on a $120,000 loan would cost $1,200.

    Commitment fee An upfront fee included in the APR calculation.

    Other fees Fees included in the APR calculation. These fees can vary by lender but, at a minimum, usually includes prepaid interest.

    Other costs Any other costs that should be included in the APR calculation.

    Monthly loan payment Monthly principal and interest payment (PI).

    Annual percentage rate (APR) A standard calculation used by lenders. It is designed to help borrowers compare different loan options. For example: a loan with a lower stated interest rate may be a bad value if its fees are too high. Likewise, a loan with a higher stated rate and very low fees could be an exceptional value. APR calculations incorporate these fees into a single rate. You can then compare loans with different fees, rates or different terms.

    Balloon payment This is the total final payment for all loans that are amortized over a period of time longer than the loan term. The balloon payment is total interest and principal balance due at the end of the loan term. (If the loan term is the same as the amortization, this amount is always zero.)

    Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.



    Loan Comparison Chart #mutual #loans


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    The Financial loans For College Loan comparison chart Students with A Bad Credit Score program acts as a godfather for individuals to help them in hauling onward their profession. No credit check needed car loans are shown at a higher rate appealing already in the market but there like a so many people competing you ll be able to bargain a person s eye charges. Always select the brains behind accommodates you the greatest.

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    Loan Calculator and Loan Comparison #auto #loan #calc


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    Compare two loans -or- Calculate payments for a single loan.

    Amortization Notes

    • Payments are rounded up to the nearest cent (since people can’t write checks in fractional pennies). This payment rounding typically results in slightly lower total interest payments than the main loan calculator shows. This is also the reason the final payment is typically a little less than the rest of the payments (there’s slightly less accumulated interest over the course of the loan due to rounded up payments).
    1. Select Calc Term from the button’s popup menu (the up arrow).
    2. Enter the current credit card balance in Loan Amount .
    3. Enter the card’s current interest rate in Interest Rate .

    (check your statement or call your credit card provider if necessary)

  • Enter the amount you can pay each month in Payment .
  • Press the Calc Term button.
  • The loan’s Term field now reflects how long it will take to pay off the credit card with the specified payment amount and interest rate.
  • Press the Calc Term button.
  • Loan #2’s Term now reflects the shortened Term as a result of the extra payments. Repeat steps 4 5 as often as you like to see how different payment amounts affect the loan’s duration (aka Term ).
  • Analyze an existing loan.
    1. Set any 3 of the 4 values (identically for Loan #1 Loan #2) and compute the 4th value.

    When setting values:

    • Loan Amount = Remaining Balance
    • Term = Remaining Term

    For example.

    Select Calc Interest Rate from the button’s popup menu.

    Enter your monthly payment for Payment , the remaining balance for Loan Amount , and the remaining number of payments for Term (be sure term units are set to mo for months).

    Press the Calc Interest Rate button.

    If computed values differ significantly from your existing loan, double check that you entered the correct values for the other fields.

    1. Select Calc Loan Amount from the button’s popup menu (the up arrow).
    2. Enter the Interest Rate , Term , Payment for one or both loans.
    3. Press the Calc Loan Amount button.
    4. The Loan Amount field will now reflect the calculated loan amount. To try different scenarios adjust the Payment , Interest Rate , or Term and press Calc Loan Amount again.

    Mortgage Payments

    Mortgage payments include escrow payments which are intended to cover property taxes and insurance. Escrow payments can add significantly to a borrower’s total Payment amount.



  • Home Loan Comparison #loans #for #students


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    Common Home Loan questions

    ^Rates are for owner occupier principal and interest loans and include discounts applied according to Loan to Valuation Ratio and Loan Value. For a full schedule of applicable rates for these products, click here. Applications are subject to approval. Conditions, fees and charges apply. Rates are subject to change.

    *Comparison rate above is based on a home loan of $150,000 for 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

    ***For the Aussie Select Basic Variable, redraws made via Aussie Online are free, manual redraws requested via phone are $50 each.

    1 This rate is only available to owner occupiers with a loan to valuation ratio of less than or equal to 80%. At the end of the fixed term, rate reverts to the Aussie Select Basic Variable rate; at the margin to the reference rate that applied at the time the loan settled for the loan value and the loan to valuation ratio in accordance with your loan contract. The rate is effective between 04/11/15 and 24/12/15, but subject to change. The interest rate is a promotional rate only and available to eligible existing and new customers throughout the promotional period. Settlements must be between 04/11/15 and 24/12/15, rate lock may be applied.

    All Aussie Select and Aussie Optimizer products have a maximum loan amount of $5,000,000, with a maximum loan to valuation ratio of 95% (including LMI) dependent on the loan purpose, repayment type and loan to valuation ratio.

    2 This rate is only available to owner occupiers with a principal and interest loan that has a loan to valuation ratio of less than or equal to 80% and borrowings under $750,000; this rate is available for borrowings over $750,000 during the promotional period only. Rate is effective 09/10/15 and is a promotional interest rate only applicable for lodgements between 09/10/15 and 30/11/15 but subject to change.

    3 This rate is only available to owner occupiers with a principal and interest loan that has a loan to valuation ratio of less than or equal to 80% and borrowings under $750,000. Rate is effective 15/09/15 but subject to change.

    Applications are subject to approval. Conditions, fees and charges apply.

    Credit services for Aussie Select and Aussie Optimizer products are provided by AHL Investments Pty Ltd ACN 105 265 861 (“Aussie”) and its appointed credit representatives, Australian Credit Licence 246786. Credit for Aussie Select products is provided by Residential Mortgage Group Pty Ltd ACN 152 378 133, Australian Credit Licence 414133. Credit for Aussie Optimizer products is provided by Perpetual Ltd ACN 000 431 827.



    Find the Cheapest Loans – Get a Cheap Loan Comparison Now #payment #calculator


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    UK s cheapest loans

    Everyone wants to find the best personal loans at the lowest price possible, but cheap loans are not one size fits all .

    • What are the best loans?  the best loans are usually just the cheapest loans
    • How to find the best loan rates for cheap loans know how much you want to borrow, how long for, and shop around
    • Which cheap loans are best for me? Consider how much you can afford to repay each month, the quicker you repay the less you will pay, but the larger the monthly repayments will be
    • Types of cheap loans car-loans, personal/unsecured-loans and secured loans
    • Getting cheap loans online Many loan companies operate exclusively online, this helps them cut costs and provide
    • Will my credit rating stop me getting the cheapest personal loan? your credit rating will determine your eligibility for the best unsecured loan rates

    Compare cheap loans

    Compare low APR personal loans from £1,000 to £35,000 and find the right loan for you.

    The cheapest loans are built around a set of criteria that will be different for everyone. Use our comparison tables to find a loan specialised to your needs.

    We explain how to find the cheapest loan for you with the lowest interest rate and explain what you need to know before choosing one.

    What are the best loans?

    As you can compare the cost of the loan upfront, loans compete almost exclusively on price alone, so the best loans are usually just the cheapest loans with the best loan rates.

    However, other things come into consideration to determine the best loans, such as how flexible a lender is, if you can enjoy any repayment holidays, customer service, how long the term is and how long your application will take.

    How to find the best loan rates for cheap loans

    Our personal loans comparison service can help you find the best loan rates available to you.  To find a cheap loan, we will need to know:

    • how much you want to borrow
    • how long you need to repay the loan

    From this information, our comparison service will find the cheapest personal loans for you.

    When you are looking at your results you ll want to find the low interest loans. these are the ones with the lowest annual percentage rate (APR) for the amount and repayment period you want.

    The APR takes into account the cost of interest on the loan and any set up fees or charges.

    Which cheap loans are best for me?

    A loan is a big commitment, so when you are looking for the best loan deals, as well as the APR, there are a number of other things to think about:

    • Can you afford the monthly repayments?
    • Are your circumstances likely to change in the future in a way that could affect your repayments?
    • Will the lender allow you to pay back your loan early if you want to?
    • Is there an arrangement fee?
    • Can you take a payment break or defer your loan payments if you need to?

    Compare cheap loans

    Compare low APR personal loans from £1,000 to £35,000 and find the right loan for you.

    Types of cheap loans car loans, personal and secured loans in the UK

    Broadly speaking there are three different types of loan you can apply for in the UK:

    • Personal loans unsecured loans. normally offered against your credit score
    • Secured loans loans which are typically secured against your home, these are more suitable for long term loans in the UK, with payment terms of up to 25 years
    • Car loans car loans in the UK can be secured against your vehicle, or simply a form of unsecured personal loan

    Getting cheap loans online

    It s likely than many of the cheapest UK loans are not necessarily bank loans. Online loans have emerged as cheap loan competitor in the UK in the past 10 years, meaning many of the UK s cheapest loans are to be found with online specialist companies, or even unorthodox lenders such as peer to peer loan companies.

    Will my credit rating stop me getting the cheapest personal loan?

    If you have had problems in the past, you may not be eligible for the cheapest loans as you will not meet the loan s requirements.

    Often the best loan deals are given to people with the best credit ratings – as a result the rate you’re offered may be higher than the advertised rate.

    Sometimes the lender will try and offer an alternative loan with a higher interest rate.

    The rate you’re offered will also vary depending on how much you borrow and how long you want to repay the loan over.

    Make sure you do another comparison to see if you can find your cheap loan with another lender.

    Read more…

    • Credit Unions Banks and payday lenders aren t the only places you can get a loan
    • Guaranteed No Credit Check Cards Some cards may not require a credit check
    • How To Strengthen Your Credit Rating A good credit rating will determine whether you re offered credit and at what rate


    Compare Car Loans – Car Finance Comparison – Platinum Direct Finance #payday #loan #lender


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    Car Finance Comparison

    Call one of our consultants today to discuss car finance comparison options. We have access to the most products in the market and are experts at recommending the best finance to suit your situation. When undertaking a car finance comparison we ll talk to you about the amount you wish to borrow, the rate at which you wish to pay back, your assets, credit history and any other factors that are important. We can then work with you to make the best decision on which financier and product is most appropriate for you.

    Compare Car Loans

    Give us a call today to compare car loans from a variety of options. We have relationships with financiers and are experts in helping you to compare and get approved on the following:

    Car Loans Comparison

    At Platinum Direct Finance, we work with a number of partners. This means that when you talk to one of our car loans comparison experts, you can be sure that with one call you re getting access to the widest range of finance and a comprehensive car loans comparison. Save yourself the hassle and headache of dealing with multiple touch-points. Our consultants are able to compare car loans from the following financiers:

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    Student Loan Comparison Sites #loan #money


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    Without a job lending options are probably the ideal therapies to your Student loan comparison sites complications connected with important pay back offs. There might be countless expenditures you can just meet with the amount of money assimilated from loans for Student loan comparison sites personal debt, these can be as employs:-Be worthwhile former debts. So, if you want instant cash acceptance using your below-average credit condition utilize by using these lending options.

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    Refinance Auto Loan Calculator with Payment and Costs Comparison #no #credit #car #loans


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    Introduction

    What the calculator does.

    This calculator will calculate the monthly payment and interest cost comparison between your current car loan and a new refinance loan.

    Plus, unlike most other auto refinance calculators, this calculator also gives you the option of increasing the size of the refinance balance to include an amount of cash you think you might need — though I personally would only recommend doing so if you will use the cash to pay down higher interest rate debt.

    Furthermore, the calculator also includes a field for including any refinancing fees that will be charged by the lender, along with a checkbox to indicate whether or not you want these fees rolled into the new loan balance (not recommended).

    And finally, the calculator will display a line-by-line comparison chart containing the principal, payment, apr, number of payments, and interest cost for both scenarios, which is followed by a summary and a bar graph giving you a visual representation of the cost comparison.

    With that I invite you to use the Refinance Auto Loan Calculator to calculate the monthly payment and interest cost comparison between your existing car note and the refinanced car note.



    Mortgage Rate Comparison #online #loan


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    MORTGAGE RATES Compare loans and calculate your repayments

    Mortgage Rates

    Mortgage rates are the key to determining your regular home loan repayments and total loan amount so it’s important to shop around for the lowest interest rates. At RateCity we make this process easier by allowing you to search and compare some of Australia’s best mortgage rates in one place.

    No two lenders are the same so it’s essential to expand your search to include a large range of Australian lenders, not just the top four big banks.

    Just like you dedicate hours to finding the perfect home to purchase, it’s equally as important to spend time comparing home loan rates offered by a range of different lenders. Shopping around will not only give you peace of mind that you have found a great deal but could also save you thousands of dollars over the term of the loan.

    For instance, if you are considering a mortgage rate of 7.22 percent for a $300,000 loan over 25 years and you shopped around to find a better rate of 6.79 percent then you might save more than $80 each month in repayments. Over 25 years that is a whopping saving of $24,000, and evidence that shopping your mortgage rate has is benefits.

    Beware of clever marketing ploys that offer a very low interest rate for an introductory period only. While these mortgage introductory deals are still highly desirable you need to make sure you enquire into the revert interest rate, as once the low rate introductory period ends it will automatically revert back to a higher interest rate.

    Australian mortgage lenders are highly competitive so you won’t have to look far for a great mortgage rate deal, and with over 2000 home loans listed on RateCity you might just find one below.



    Loans Comparison #loans #by #phone


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    Home Loan Comparison #used #car #loan


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    Common Home Loan questions

    ^Rates are for owner occupier principal and interest loans and include discounts applied according to Loan to Valuation Ratio and Loan Value. For a full schedule of applicable rates for these products, click here. Applications are subject to approval. Conditions, fees and charges apply. Rates are subject to change.

    *Comparison rate above is based on a home loan of $150,000 for 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

    ***For the Aussie Select Basic Variable, redraws made via Aussie Online are free, manual redraws requested via phone are $50 each.

    1 This rate is only available to owner occupiers with a loan to valuation ratio of less than or equal to 80%. At the end of the fixed term, rate reverts to the Aussie Select Basic Variable rate; at the margin to the reference rate that applied at the time the loan settled for the loan value and the loan to valuation ratio in accordance with your loan contract. The rate is effective between 04/11/15 and 24/12/15, but subject to change. The interest rate is a promotional rate only and available to eligible existing and new customers throughout the promotional period. Settlements must be between 04/11/15 and 24/12/15, rate lock may be applied.

    All Aussie Select and Aussie Optimizer products have a maximum loan amount of $5,000,000, with a maximum loan to valuation ratio of 95% (including LMI) dependent on the loan purpose, repayment type and loan to valuation ratio.

    2 This rate is only available to owner occupiers with a principal and interest loan that has a loan to valuation ratio of less than or equal to 80% and borrowings under $750,000; this rate is available for borrowings over $750,000 during the promotional period only. Rate is effective 09/10/15 and is a promotional interest rate only applicable for lodgements between 09/10/15 and 30/11/15 but subject to change.

    3 This rate is only available to owner occupiers with a principal and interest loan that has a loan to valuation ratio of less than or equal to 80% and borrowings under $750,000. Rate is effective 15/09/15 but subject to change.

    Applications are subject to approval. Conditions, fees and charges apply.

    Credit services for Aussie Select and Aussie Optimizer products are provided by AHL Investments Pty Ltd ACN 105 265 861 (“Aussie”) and its appointed credit representatives, Australian Credit Licence 246786. Credit for Aussie Select products is provided by Residential Mortgage Group Pty Ltd ACN 152 378 133, Australian Credit Licence 414133. Credit for Aussie Optimizer products is provided by Perpetual Ltd ACN 000 431 827.



    Home Loan Comparison – Compare Mortgage Interest Rates & Home Loans #student #loan #interest #rates


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    Home Loan Comparison

    Rates Online make home loan comparison easy with our comprehensive catalogue of over 850 home loan products from Australia’s leading lenders, including the big four banks. Accurately compare monthly repayments, interest rates and mortgage features from a wide variety of loans including fixed rate, variable rate, and professional package.

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    Phone: 1800 466 050

    *The comparison rate based on secured credit of $150,000 and a term of 25 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

    Consider whether this general financial advice is right for your personal circumstances. You may need financial advice from a qualified adviser.

    Ratesonline.com.au Pty Ltd ACN 122 052 582 is an Australian Credit Licensee Pursuant to the National Consumer Credit Protection Act 2009 (ACL License Number 384404).

    Copyright 2006 – 2015 ratesonline.com.au Pty. Ltd. – Ratesonline.com.au is 100% Australian owned and operated.

    ratesonline.com.au Pty Ltd Australian Credit License number 384404



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    All you have to do to be in with a chance of winning is make a booking, between 01/7/2017 and 31/7/2017.

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    Terms & Conditions

    Sign In, Book, Win!

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    Terms & Conditions

    Terms & Conditions

    By participating in the Sign In, Book, Win! Competition, you agree to and accept the Rentalcars.com Standard Terms as well as the following Competition Terms & Conditions (the ‘Competition Terms’):

    1. These terms & conditions (the ‘Standard Terms’), together with the terms & conditions that are specific to any Competition (as defined below) (the “Competition Terms”) are known as the “Rules”. Words used in the Competition Terms shall have the same meaning when used here. In the event of any conflict between the Competition Terms and the Standard Terms, the Competition Terms shall prevail.
    2. The Rules apply to any competition (the “Competition”) that is promoted on the website www.rentalcars.com (the ‘Website’) and by entering a Competition, you agree to be bound by the Rules.
    3. TravelJigsaw Limited (hereinafter referred to as Rentalcars.com) reserves the right to cancel or amend all or any part of a Competition and/or the Rules without notice for any event that is outside of Rentalcars.com s reasonable control. Any changes to the Rules, or cancellation of a Competition, will be posted on the Website. It is the responsibility of entrants to keep themselves informed as to any changes to the Rules.
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    5. Entry is open to all Rentalcars.com customers except employees (and their families) of Rentalcars.com, its agents, any of its group companies, the supplier(s) of the prize(s), and any other companies associated with any Competition.
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    24. Where applicable, the decision of the judge(s) is final, based on the criteria set out in the promotion and no correspondence will be entered into over this decision. Competitions may be modified or withdrawn at any time.
    25. The supplier of the prize will be specified within the promotional material.
    26. A list of winners will be made available to anyone writing to Rentalcars.com at Floors 2-4, 35 Fountain Street, Manchester, M2 2AN, United Kingdom no earlier than six weeks (unless otherwise stated) after the close of a Competition. Only the surname(s) and country(countries) of the winner(s) will be disclosed.
    27. The Rules and any dispute or claim arising out of or in connection with them or their subject matter (including a Competition), existence, negotiation, validity, termination or enforceability (including non-contractual disputes or claims) shall be governed by and construed in accordance with English law.
    28. The Courts of England shall have exclusive jurisdiction in relation to any dispute or claim arising out of or in connection with the Rules or their subject matter, existence, negotiation, validity, termination or enforceability (including non-contractual disputes or claims).

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    All home loans comparison table #cash #now #loans


    #home loans comparison
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    All home loans comparison table

    Special offer – for new loans 7

    4.19% p.a.(0.64% p.a. discount off Flexi First Option Home Loan interest rate) 7

    Special offer – for new loans

    4.2% p.a.(0.64% p.a.discount off Flexi First Option Home Loan interest rate) 7

    Things you should know

    1. A rate of 5.58% p.a. (Comparison rate 5.72% p.a. ) applies to loans originated prior to 19 September 2005.Fees and charges and normal credit criteria apply. Interest rates and discounted margin are subject to change. Terms and Conditions apply and are available on request.

    2. The comparison rate is based on a secured loan of $150,000 over a term of 25 years. Warning: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

    3. Customers can make total prepayments of up to $15,000 (cumulative) for loans fixed prior to 21 March 2009, $25,000 (cumulative) for loans fixed between 21 March 2009 and 16 March 2012 or $30,000 (cumulative) for loans fixed on or after 17 March 2012, without costs or fees applying.

    4. 0.9% p.a. discount is available for variable rate loan amounts of $250,000 and above (for Low Doc loan, the discount is 0.9% p.a. for variable rate loan amounts between $250,000 and $499,999). For variable rate loan amounts between $150,000 and $249,999, the applicable discount is 0.7% p.a. (for Low Doc loan the discount is 0.3% p.a. for variable rate loan amounts between $150,000 and $249,999). The discount is not applicable to Flexi First Option Home Loan and Flexi First Option Investment Property Loan.

    5. Other fees and charges apply.

    6. Subject to Bank’s approval.

    7. Ongoing discount offer. For new loans applied for from 1 September 2015. Offer is only available for a limited time and may be withdrawn at any time. This special offer is only available on new Flexi First Option Home Loan and Flexi First Option Investment Loans. They are independent of each other and can’t be taken in conjunction with, or in addition to other special offers, negotiated rates or discounts. Not available to company and trust account holders. Discounts do not apply to internal refinances and are not transferable between loans.



    Car Loan Comparison Calculator #secured #loans


    #loan comparison calculator
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    Get this calculator for your site:

    Car Loan Comparison Definition

    Are you in the process of shopping for a new car and have found that you are having a difficult time deciding between two vehicles? If so, then there is a good chance that it may ultimately come down to finances. After all, if you enjoy driving both vehicles equally and both have similar safety ratings, then it is typically best to go with the car that is more affordable. However, it can sometimes be difficult to know exactly what your monthly payment will be with any given car loan.

    Fortunately, our easy car loan comparison calculator makes it simple break down the estimated monthly costs on each car based on a number of determining factors, such as its price, your down payment, the interest rate, and much more. From there, you can figure out which vehicle will be more affordable for you in the long run, which should help you to make your choice.

    To use our calculator, all you need to do is input some basic information into the form. This includes:

    1. The make and model of each vehicle
    2. The MSRP, or manufacturer s suggested retail price
    3. The repayment period on the car s loan
    4. The annual interest rate on each vehicle loan
    5. Any applicable trade in value or down payment
    6. The sales tax on each vehicle as a percentage

    From there, all you have to do is click the calculate button and you will instantly see a detailed breakdown of the monthly payment on each vehicle. This will help you to make your decision regarding which car is right for you.

    While making such a big decision, you should also keep some other factors in mind, such as:

    • The fact that other features of the car can influence its cost of ownership, such as fuel economy and maintenance needs.
    • You will also need to buy insurance for the vehicle and possibly full coverage if the car is financed.
    • Safety is ultimately the most important aspect of any car, so be sure to compare crash test and safety ratings for each as well.

    How to Calculate Car Loan Comparison

    Let’s be honest – sometimes the best car loan comparison calculator is the one that is easy to use and doesn’t require us to even know what the car loan comparison formula is in the first place! But if you want to know the exact formula for calculating car loan comparison then please check out the “Formula” box above.

    Add a Free Car Loan Comparison Calculator Widget to Your Site!

    You can get a free online car loan comparison calculator for your website and you don’t even have to download the car loan comparison calculator – you can just copy and paste! The car loan comparison calculator exactly as you see it above is 100% free for you to use. If you want to customize the colors, size, and more to better fit your site, then pricing starts at just $29.99 for a one time purchase. Click the “Customize” button above to learn more!



    How Much does Applicant Tracking Software Cost? Capterra Blog #applicant #tracking #system #comparison


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    How Much does Applicant Tracking Software Cost?

    I hate cocktail menus at chain restaurants.

    You know the kind of places I’m talking about; the restaurants that always seem to pop up in airports, or near big sports stadiums, or at tourist attractions. They always have $10 hamburgers and some kind of Mexican appetizer to add “color.”

    And their cocktail menus are always bereft of prices.

    They must do it to trick you into ordering some overpriced, colorful drink that’s more sugar than booze, because they know if you saw that it cost $13.99 you’d balk. So I always have to ask, before ordering something off that menu (because, let’s face it, I’m a sucker for drinks with umbrellas), what it costs, because I hate being surprised when the bill comes around.

    If you’re like me, you’ll want to know ahead of time what buying applicant tracking software might cost you. You don’t want any kind of sticker shock when you go to purchase a new ATS for your company. Unfortunately, there’s no simple answer when it comes to ATS pricing. Besides the fact that there are several different pricing models, your specific requirements are also a big factor in how much you’ll pay. However, we can break down the various pricing models so that when you get quotes, you can compare apples to apples.

    Here, in order of popularity, are the different cost drivers you can expect to find when shopping for applicant tracking software.

    1. Pay-Per-Recruiter

    This is the most common pricing model and means you typically pay a flat fee each month based on the number of recruiters and hiring managers you have using the system (sometimes the amount is different for each user type). There may also be a one-time setup or implementation fee with this model.

    Price Range: Around $60-$100/user/month.

    ATSs with this pricing model:

    2. Pay-Per-Employee

    Many ATSs price based on the size of your organization, and use number of employees as a measure to gauge that. This means, regardless of the number of users, you will be charged based on the total number of employees in your company.

    Price Range: $4-$7/month/employee. However, costs go down significantly (to the $0.20 range) as employee numbers rise into the thousands.

    ATSs with this pricing model:

    3. Pay-Per-Job Opening/Applicant

    Some ATSs will determine their pricing levels based on how many jobs you have open at any particular time, or how many total applicants/resumes you have in the system. Oftentimes this is used in conjunction with some other pricing model like number of recruiters or employees, or a one-time setup fee. This typically doesn’t count archived job openings or inactive/dormant resumes.

    Price Range: $5-$19/job opening/month and $0.01-$0.20/resume/month.

    ATSs with this pricing model:

    Bonus: Other Models

    Additional pricing models you may run into include one-time flat license fee (ex. Newton Software ), and free but with premium HR and recruiting services on offer (ex. iKrut ). The first one will often be used in conjunction with one of the other models above (for instance, a one-time fee for setup plus a monthly per-recruiter fee).

    Other Cost Drivers?

    Have you seen any other applicant tracking pricing? What models did I miss? Any recommendations of colorful cocktails for me to drink? Add them in the comments below!

    Looking for Applicant Tracking software? Check out Capterra’s list of the best Applicant Tracking software solutions.