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คลิปบ้าน ชวนชื่น บางนา : Home Buyers Hot Deal! ) Video

คลิปบ้าน ชวนชื่น บางนา : Home Buyers Hot Deal, NEF2.COM


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คลิปบ้าน ชวนชื่น บางนา : Home Buyers Hot Deal


คลิปบ้าน ชวนชื่น บางนา : Home Buyers Hot Deal, NEF2.COM


คลิปบ้าน ชวนชื่น บางนา : Home Buyers Hot Deal

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Coupons for Pirates Voyage Myrtle Beach SC 2016, voyage deal.

#Voyage #deal


Coupons for Pirates Voyage in Myrtle Beach

After several popular years, the Dixie Stampede in Myrtle Beach, SC officially ended a successful run and underwent an 11 million dollar renovation to become Pirates Voyage. Pirates Voyage in Myrtle Beach, SC offers a similar theme as Dixie Stampede had with interactive, competing sides but with a pirate theme of Sapphire versus Crimson crews rather than the civil way rivalry of the north and south. The food menu is basically the same with:

  • Voyager Creamy Vegetable Soup
  • Buccaneer Bread
  • Half O Roasted Cackler (chicken)
  • Captains BBQ Pork
  • Cob O Buttery Corn
  • Mashed Flogged Taters
  • Apple O Me Eye Pie

Anything with Dollys name is guaranteed to be of high quality, so Pirates Voyage is definitely worth seeing and getting fantastic reviews. Like Dixie Stampede, Pirates Voyage is one of the best ways to have a great meal along with entertainment that the entire family can enjoy all together at the same time.

Just as with Dixie Stampede, were sure many people will be scouring the internet looking for 2016 Pirates Voyage coupons or 2016 Pirates Voyage discount tickets. Weve tried to save you the time and hassle by doing the hard work for you and providing the best sources of finding coupons for Pirates voyage in Myrtle Beach, SC!

Order Pirates Voyage Discount Tickets Online

Pirates Voyage Discount Tickets could prevously be purchased online for up to $10 cheaper through the Reserve Myrtle Beach website. Their prices havent been discounted for 2016 yet but Reserve Myrtle Beach has a fantastic reservation guarantee along with a cancellation policy that allows you to cancel your reservations up to 2 days before your show to receive a FULL refund! They have some GREAT deals on other Myrtle Beach attractions, shows, hotels, and more. We highly recommend getting your Pirates Voyage and other Myrtle Beach tickets from their website due to them having the best deals and cancellation policy.

Click the link below to purchase your tickets for Pirates Voyage in Myrtle Beach:

View the Pirates Voyage Video Preview

2016 Coupons for Pirates Voyage in Myrtle Beach, SC

Official Pirates Voyage Website

As always, we suggest contacting Pirates Voyage box office directly to inquire about special offers, coupons, discounts, group specials, etc. You can find the official Pirates Voyage website at http://www.piratesvoyage.com/ or call them at 800-433-4401.

The Visit Myrtle Beach website also has the same coupons for Pirates Voyage in Myrtle Beach, SC for $3 off adult tickets and $1 off childrens tickets at: http://www.visitmyrtlebeach.com/

The Sunny Day Guide use to have Pirates Voyage coupons for $3 off adult tickets and $1 off childs ticket on their website. At the time of this article, that coupon has expired, but check this link to see if it has been renewed for 2016: http://sunnydayguide.com/myrtle_beach/gs_coupons.php#act

Thanks to Jessica for submitting this! You can also get Pirates Voyage discount tickets of $5 off of an adult ticket and $3 off of a child when purchasing tickets directly from Pirates Voyage Myrtle Beach, SC.

If you know of other places to find 2016 Pirates Voyage coupons, be sure to let us know using the comment form below! Also, be sure to share these coupons for Pirates Voyage in Myrtle Beach, SC on facebook and twitter using the buttons below!


How to get the best loan deal for your dream car #apply #for #loan


#best loan deals
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How to get the best loan deal for your dream car

The loan math

A loan deal becomes sweet only if there is some kind of incentive from the manufacturer or financier. Otherwise, it can be as good as any other loan deal in the market. Try and separate the loan purchase from other negotiations in order to maximise it. Even if you can’t maximise, you would know what exactly you’ve got.

For instance, a discount offered by a manufacturer can be clubbed in the loan calculation to make the loan deal look much better. Assuming that you take a Rs 4-lakh loan at 12% interest rate for 5 years. The EMI will cost Rs 8,810. Let’s assume that the dealer has got a discount of Rs 25,000 to be offered to you. He doesn’t tell this to you but reduces it from the loan amount, making the EMI as low as Rs 8,259. Or he may also choose to tell the customer that the effective interest rate he is offering is 8.8%. A discount of Rs 25,000 doesn’t sound as lucrative as an interest rate of 8.8% in the current scenario,” says Banwari Lal Sharma, AVP, CarWale Automotive Exchange.

Is it really a discount?

A car dealer offers a “good” deal only under the following circumstances. First, the dealer has a huge stock of a particular car and he wants to liquidate that at any cost. Second, the dealer has service issues, which has impacted his reputation. Hence he may design attractive deals to offset its impact.

If the dealer claims to give a good discount, you should first understand the nature of the offer. The dealer may be offering accessories, insurance, car loan etc. at a ‘discounted’ price. But it may not be the best and the lowest price in the market. “Car accessories such as music systems, Bluetooth are much cheaper in shops owned by the authorised dealers. If the dealer is giving a discount on the car cost or accessories, the dealer has already made his money by earning a good margin on accessories. Thus the dealer makes money by inflating the charges of the value-added services and the customer is usually unaware,” says Rupesh Rele, a Mumbai-based auto expert.

Hence you should cross-check the offer not just with other dealers but also with other industry players who specialise in selling accessories, insurance or loans.

Cash Discount the best bet

A dealer may entice you with a cheaper loan offer which may seem half of what the banks offer. But there are chances he may build it into the cost in some other manner. “A customer should ask only for cash discount. Most dealers say they will offer a lower interest rate instead of a cash discount. That will reduce the customer’s EMI. But car buyers should not fall for this pitch. If you are paying 1 lakh as down-payment for a Rs 5-lakh car loan, ask for a cash discount on that Rs 1 lakh. Then compare the discount offers from various lenders to identify the best deal,” says Harsh Roongta. chief executive officer of Apnapaisa.com .

Age of the car

This is as important while buying a new car. Car sales have plunged in the past two years because of rising petrol prices and higher interest rates. Typically, dealers also offer the best discounts on these “dated” cars. But if you are looking to sell the car in 3-4 years, the manufacturing date of the car will be the sole determinant of the resale value. Let us look at two cars of the same make and sub-type. One with a manufacturing date of December 30, 2011 and the other with a manufacturing date of January 5, 2012. Both the cars have a registration date of May 2012. “The car manufactured in 2011 will be sold for a cheaper price and at a better offer than the one made in 2012. But if you intend to sell this car after 3-4 years, you will get a far lower value for the 2011-car although it is only 7 days older than the 2012-car,” says Rupesh Rele.

Hence don’t forget to look at the age of the car while negotiating on the price and the discounts offered by the dealer.

One rupee and free insurance

The cheapest is not the best when it comes to insurance. You have to look at IDV (insured’s declared value), coverage of the policy and the tie-ups of the insurer before buying an insurance policy. IDV is the compensation you get in case of theft or total loss of the vehicle due to accidental damage. The IDV should not be less than 15% in the second year and 20% in the third year. Also opt for a comprehensive insurance coverage than third party liability. Compare the policy details with what the insurers offer and also the price and quotations.

Next time a dealer doles out the ‘best’ car loan offer, do your EMI math by getting separate quotations from banks based on your loan affordability. Compare those with the dealers’ quotations. And always negotiate on cash discount. This will lower your loan amount, EMI and the interest outgo, too.



10 steps to a great deal on a new-car loan #school #loan #consolidation


#loan deals
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Ch. 2: Your new-car dollar

Here are 10 tips to help you get the best auto loan:

1. Shop the loan separately from the car. Before starting negotiations on the exact car and price, begin the loan application process with credit unions, banks, well-respected online lenders and even your auto insurance company. “Generally, we’ve seen that online banks have been the best,” says Anthony Giorgianni, associate finance editor of “Consumer Reports Money Adviser” newsletter in Yonkers, N.Y. “The little banks might be very competitive,” he says. “A lot of them didn’t get caught up in the credit crunch.” And credit unions rates tend to be about 1 percent to 1.5 percent lower than banks, says Jim Hanson, a vice president at the Credit Union National Association in Madison, Wis.

You can get prequalification for a loan, which would enable you to go to the dealer with a blank check — good up to a specified amount, says Phil Reed, senior consumer advice editor for Edmunds.com. Once you have a solid, written contract with the dealer, only then ask if they can beat the financing deal you already have.

Shopping for a car or just a car loan? Download Bankrate’s auto app for price comparisons, loan calculations and more.

2. Limit your loan shopping to a two-week period. Every time you apply for a loan — whether you are approved, whether you use it — your credit score goes down and it makes it slightly more difficult to get a prime-rate loan. But if you make all of your applications within a two-week period, they count as only one inquiry.

3. Get familiar with your own credit history. Get free copies of your three credit reports, from Equifax, Experian and TransUnion at www.AnnualCreditReport.com. If you want to learn your exact scores from the three agencies, you can order them for a small fee from their individual Web sites. The credit or FICO score you buy is probably not the same one your lender uses, but it should be close. With an auto loan, you have a little more wiggle room in terms of your score. “What’s considered good for a car loan will be a little lower than what’s good for a mortgage,” says Gail Hillebrand, senior attorney with the San Francisco office of Consumers Union.

4. Shop the total loan amount, not the monthly payment. The only time you should consider the monthly payment is when you privately calculate how much you want to spend for your car. After that, don’t discuss monthly payments. Some lenders may focus on the payments to induce you to borrow more money by extending the number of months you pay. That way they make more in interest, and you have to drive your aging car longer.

5. Don’t assume the best. Lenders aren’t obligated to offer you the best rate for which you qualify. In 2007, car dealers marked up loans by an average 1.8 percent on used cars and 0.6 percent on new ones, according to Josh Frank, senior researcher for the Center for Responsible Lending in Durham, N.C. Let the lender know you’re shopping around or already have another offer. You’re more likely to see a better rate. You can find the best available auto loans in your area at Bankrate’s auto rate tables .



We – ll get the best possible deal for you. #jumbo #loan


#bridging loans
#

Welcome to Bridging Finance

What Is Bridging Finance

Bridging Finance is a money advance. For example :

  • funds that are due to you from a property transaction, pension, provident fund or other
  • the conversion of property equity  (value) into cash
  • the facilitation of trade transaction normally by means of a cash advance  or a guarantee
  • lawsuit finance on the No Win – No Fee basis

Bridging Loans allow you to take advantage of a current opportunity or to settle debts

There are two main elements which apply to bridging loans and finance :

Contacting Us

We are a facilitation service and cannot provide advice to clients.

All enquiries are automatically directed to a specialist credit provider.

If your application is successful, we are paid a fee by the lender which is included in your loan provided.

How Does This Work?

You are requested to please fill in the correct enquiry form on the specific category of finance you require.

Note: Select the correct category, click “APPLY HERE”, fill in the enquiry form, submit and then your enquiry will go to the appropriate credit provider / lender, who will make contact with you IF they feel they are able to assist.

If no one makes contact with you, the credit provider is unable to assist you.

If you select the incorrect category, the enquiry goes to the wrong lender and they will decline the application

PLEASE SELECT THE CORRECT PRODUCT SOLUTION, TO ENSURE YOUR ENQUIRY RECEIVES ATTENTION.



Mortgage Rates vs APR: How To Get Your Best Mortgage Deal #short #term #personal #loans


#cheapest home loan
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Click To See Today’s Rates

Posted August 1, 2015

As Seen On

Mortgage Rates vs APR: How To Get Your Best Mortgage Deal

The “Best Deal” In Mortgages

You’re shopping for mortgage rates and you want today’s absolute best deal. Don’t we all.

Finding that “deal”, though, won’t be easy as you’d think. There’s a lot of information to consider on a purchase mortgage or refinance. and most of it’s confusing.

This is why rate shoppers tend to use Annual Percentage Rate (APR) calculation to help with their comparisons. APR is supposed to represent the “true cost” of a mortgage over time.

However, it doesn’t.

When you shop by APR, you may be less likely to choose “the best loan” for your needs. APR is among the most easily manipulated numbers in mortgages. Worse, many lenders count on you not knowing that.

APR is not the metric for comparing mortgages — it’s merely a metric.

What Is “APR”?

More commonly called APR, Annual Percentage Rate is a government-concocted math formula. It’s meant to measure the long-term cost of a loan, from the date of closing to the date of payoff.

APR is roughly measured by taking the original loan size, accounting for closing costs and prepaid items, then estimating how many dollars will have to be paid over the loan’s term to pay off the loan in full.

For a 30-year fixed rate mortgage, the loan’s term is 360 months. For a 15-year fixed rate mortgage, the loan’s term is 180 months. And so on.

APR attempts to answer the question, “If I borrow this  much money, and it costs me this  much to pay off my loan, what would my theoretical mortgage rate have been?”

APR is printed in the top-left corner of the Truth-In-Lending Disclosure, as shown above.

Loan officers are required to disclose a mortgage’s particular APR every time they make a rate quote. This is federal law, meant for consumer protection.

By showing APR alongside every rate mortgage quote, customers are purported to be empowered to make better, wiser home loan choices. And, in some cases, APR works.

In many more cases, though, APR fails — especially online. This is because APR can’t be the “apples-to-apples” comparison tool it’s advertised to be.

The loan with the lowest APR isn’t always your best loan.

APR Is Not An “Apples-To-Apples” Comparison Tool

Banks and lenders love to promote their “low APR loans” — especially online. In fact, by default, most online mortgage marketplaces sort their quotes by APR.

This means that the loans with the lowest APR show up first, follow by loans with higher APR. This can be misleading. Getting a low APR doesn’t mean you’re getting a good deal.

The APR formula is flawed. Here’s why.

When your lender calculates an APR, it’s estimating your long-term cost on your loan.

In order to make that estimate, the lender has to predict the future, while making drastic assumptions about what may or may not happen.

Here are three such assumptions :

  1. The APR formula assumes that you will hold your loan for 30 years
  2. The APR formula assumes that you will never make an extra principal payment
  3. The APR formula assumes that you will never refinance or sell your home

And, for loans with private mortgage insurance (PMI), the APR formula makes an assumption for the specific month-and-year that your home will reach twenty percent equity; that your PMI will go away.

This is impossible and it’s for these reasons that Annual Percentage Rate fails.

As another example, consider two loans — one with discount points and one without.

When comparing loans with discount points to loans without discount points, loans with discount points will nearly always show a lower APR even though the loan may not be “cheaper”.

Loans with discount points are front-loaded with fees and can be a terrible choice for somebody living in a home for less than ten years.

Online lenders know this, but don’t care. Requiring big discount points make their “deals” look great online but, in reality, the loans are expensive.

Shopping by APR can be the worst way to shop for a loan.

APR Assumes You’ll Never Sell, Never Refinance

Your loan’s APR is affected by more than just discount points — loan fees play a role, too.

Remember that at the start of the mortgage shopping process, when you ask a lender for your APR, many of your final loan costs are still unknown. Third-party loan costs such as appraisal and title services are estimated, and so are some lender fees.

This is why your receive something called a Good Faith Estimate . There’s a reason it’s not called the Good Faith Iron-Clad Guarantee. At the start of the loan process, banks don’t know each fee you’ll pay to the penny.

Meanwhile, these costs figure into your APR so when a banks estimate fees, APR becomes an estimate, too.

Another APR flaw is linked to adjustable-rate mortgages (ARMs).

The government’s APR formula requires banks to assume how your loan will adjust over its 30-year term. These adjustments affect your estimated future payments which, in turn, affect your APR.

Despite equal mortgage rates and fees, then, a bank which assumes the smallest mortgage rate adjustments will also show the smallest APR.

The loan may not be “better” — it just makes rosier predictions about the future.

This, too, is misdirecting.

How To Shop By APR, If You Must

APR can muddy the process of shopping for a mortgage rate. Rather than shop by APR, consider picking a specific rate you want, then shopping for fees at that rate. Or, choose a zero-closing cost mortgage and shop for rates at that zero-fee .

In other words, fix one piece of the puzzle in place, then shop for the other because you can’t shop for both at the same time.

As a real-life example, if today’s 30-year fixed rate mortgage rate is 3.50% and your quotes from three separate lenders require fees of $1,500, $2,000, and $3,000, it’s clear which option is going to be best — the option with the fewest closing costs.

This is far simpler than trying to compare 3.50% at $3,000 versus 3.625% at $500 versus 3.75% with no closing costs.

Especially because the 3.50% rate may show the lowest APR.

As an another example, if you ask all three lenders for a zero-closing cost mortgage rate at the rates come back at 3.625%, 3.75%, and 3.875%, you’ll know exactly which one to choose, too.

You can’t shop for rates and fees at the same time and be sure you’re making a good choice.

Get Today’s Live Rates And APR 

Mortgage rates are back below 4% and mortgage lenders are approving a higher percentage of loans than during any period this decade. It’s an excellent time to compare rates for a purchase or home refinance.

Get a complimentary mortgage rate quote today. Rates are available online at no cost, with no obligation to proceed, and with no social security number required to get started.

The information contained on The Mortgage Reports website is for informational purposes only and is not an advertisement for products offered by Full Beaker. The views and opinions expressed herein are those of the author and do not reflect the policy or position of Full Beaker, its officers, parent, or affiliates.



Welcome to the Counseling Center: Texas State University #lonely, #lonliness, #txstate, #texas #state #university, #texas #state, #suicide, #mental #health, #jedcampus, #jed #foundation, #lbj #student #center, #relationship #issues, #prevention, #paws #alert, #how #to #deal #(develop #effective #approaches #for #life), #resources #for #veterans, #atrisk, #group #counseling


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Welcome to the Counseling Center

END OF THE SEMESTER SESSIONS

Each semester, when the Counseling Center has no more capacity to add new clients seeking ongoing counseling, we replace initial consultations (ICONs) with one-time sessions for the remainder of the semester. As of Monday, July 31 st the Counseling Center will begin offering one-time sessions. These one-time sessions are an hour in length and focus on problem solving more immediate issues. If students are in need of further services, we will help them connect with additional resources outside of the Counseling Center.

Counseling Center services are free, confidential, and provided by trained professionals to currently enrolled Texas State students while classes are in session.

Counseling Center Services include brief individual, group, and couples counseling, consultation and crisis response, and workshops about coping with stress and other mental health topics.

Individual counseling is also available on a limited basis at the Round Rock campus. Click here for details.

CONCEALED CARRY IS PROHIBITED IN THE COUNSELING CENTER

Effective August 1, 2016, concealed carry of a handgun by license holders is allowed on Texas public university campuses subject to the restrictions imposed by statures and by the University President. Concealed carry is prohibited in some buildings on Texas State University Campuses, please see www.txstate.edu/campuscarry



Senators reach deal on student loan interest rates #commercial #loan #calculator


#student loans rates
#

Story Highlights

    Deal would offer lower interest rates through 2015, then climb higher A vote could happen as soon as Thursday; maybe next week Rate hike took effect on July 1 and both sides have been scrambling on an agreement

WASHINGTON — A bipartisan group of senators reached a deal Wednesday evening to offer college students better rates on loans this fall but higher rates in future years.

The agreement comes one day after lawmakers met with President Obama at the White House.

The Senate deal would offer students lower interest rates through the 2015 academic year, but then rates would likely climb higher than they were when students left campus this spring.

The interest rates would be linked to the financial markets, but Democrats won a protection for students that rates would never climb higher than 8.25% for undergraduate students. Graduate students would not pay rates higher than 9.5%, and parents’ rates would top out at 10.5%.

The deal was confirmed to USA TODAY by a Democratic aide who was not authorized to discuss the ongoing negotiations publicly and insisted on anonymity.

A vote on the agreement could come as early as today, although it could be pushed back to the middle of next week.

The bipartisan agreement is likely to be the final in a string of efforts that have emerged from near constant work to undo a rate hike that took hold for subsidized Stafford loans on July 1. Rates for new subsidized Stafford loans doubled from 3.4% to 6.8%, adding roughly $2,600 to students’ education costs.

Lawmakers from both parties called the hike senseless but differed on how to restore the lower rates.

Sen. Lamar Alexander, R-Tenn. the top Republican on education issues, told Politico the proposal would apply to students who have already taken federal loans at higher rates.

“It would save students in 11 million families billions of dollars,” he said. “We’d like to be able to do this together, and we hope that we can come to a decision right away because families need to make their plans.”

The House of Representatives has passed student loan legislation that also would link interest rates to the 10-year Treasury note. The differences between the Senate and House versions are expected to be resolved before students return to campus this fall.

Students typically do not take out loans until just before they return to campus, and Congress had until they left for the August recess to restore the lower rates.

The deal was estimated to reduce the deficit by $715 million over the next decade.

Undergraduates last year borrowed at 3.4% or 6.8%, depending on their financial need. Graduate students had access to federal loans at 6.8% and parents borrowed at 7.9%.

Under the deal, all undergraduates this fall would borrow at 3.85% interest rates. Graduate students would have access to loans at 5.4%, and parents would be able to borrow at 6.4%.

If the economy improves as congressional economists predict, rates would climb in coming years.

The compromise reached Wednesday would limit how high those rates could go, although all were higher than current fixed levels.

Contributing: Michael Winter and the Associated Press



BND – Student Loan Services: Loan Types – DEAL Loan #payday #loans #bad #credit


#best loan deals
#

DEAL Student Loan

If you add up all of your sources of aid and still fall short of meeting the cost of attendance at your school, a DEAL Student Loan is a good option to help you make up the difference. The DEAL Student Loan provides students with an outstanding alternative loan option when they are unable to obtain adequate funds through federal student aid programs. The DEAL Student Loan is funded by BND and guaranteed by Student Loans of North Dakota (SLND).

How do I know if I qualify for a DEAL Student Loan? (Qualifications are subject to change without notice.)

  • Your state of legal residence OR the school that you are attending must be located in one of the following states: North Dakota, South Dakota, Minnesota, Montana, Wyoming or Wisconsin.
  • You must be a U.S. citizen attending an eligible school, be making satisfactory academic progress in an eligible program and must not have any other loans in default.
  • You must complete the Free Application for Federal Student Aid (FAFSA) process if you plan to attend school at least half-time.
  • The school certifies your current enrollment or acceptance for enrollment, academic progress and eligibility.
  • Whether you take one class or are a full-time student, you may qualify for a DEAL Student Loan.
  • High school students participating in dual credit programs may qualify for a DEAL Student Loan.
  • You, or a creditworthy cosigner, must meet specific credit criteria.

Are there loan limits?

Yes. For any student that does not have a DEAL Student Loan balance as of July 1, 2012, the maximum DEAL Student Loan limit for Undergraduate students is $50,000. The maximum DEAL Student Loan limit for graduate students is $50,000. (Some schools with high cost programs such as medical, dental, law or aviation may be approved for higher loan limits.) Students who have a DEAL Student Loan balance as of July 1, 2012 are not subject to maximum loan limits. The minimum DEAL Student Loan amount is $500 per loan. As a borrower, you may not borrow more than the cost of attendance at your school minus all other financial aid received for the loan period.



Mortgage Rates vs APR: How To Get Your Best Mortgage Deal #long #term #loans


#cheapest home loan
#

Click To See Today’s Rates

Posted August 1, 2015

As Seen On

Mortgage Rates vs APR: How To Get Your Best Mortgage Deal

The “Best Deal” In Mortgages

You’re shopping for mortgage rates and you want today’s absolute best deal. Don’t we all.

Finding that “deal”, though, won’t be easy as you’d think. There’s a lot of information to consider on a purchase mortgage or refinance. and most of it’s confusing.

This is why rate shoppers tend to use Annual Percentage Rate (APR) calculation to help with their comparisons. APR is supposed to represent the “true cost” of a mortgage over time.

However, it doesn’t.

When you shop by APR, you may be less likely to choose “the best loan” for your needs. APR is among the most easily manipulated numbers in mortgages. Worse, many lenders count on you not knowing that.

APR is not the metric for comparing mortgages — it’s merely a metric.

What Is “APR”?

More commonly called APR, Annual Percentage Rate is a government-concocted math formula. It’s meant to measure the long-term cost of a loan, from the date of closing to the date of payoff.

APR is roughly measured by taking the original loan size, accounting for closing costs and prepaid items, then estimating how many dollars will have to be paid over the loan’s term to pay off the loan in full.

For a 30-year fixed rate mortgage, the loan’s term is 360 months. For a 15-year fixed rate mortgage, the loan’s term is 180 months. And so on.

APR attempts to answer the question, “If I borrow this  much money, and it costs me this  much to pay off my loan, what would my theoretical mortgage rate have been?”

APR is printed in the top-left corner of the Truth-In-Lending Disclosure, as shown above.

Loan officers are required to disclose a mortgage’s particular APR every time they make a rate quote. This is federal law, meant for consumer protection.

By showing APR alongside every rate mortgage quote, customers are purported to be empowered to make better, wiser home loan choices. And, in some cases, APR works.

In many more cases, though, APR fails — especially online. This is because APR can’t be the “apples-to-apples” comparison tool it’s advertised to be.

The loan with the lowest APR isn’t always your best loan.

APR Is Not An “Apples-To-Apples” Comparison Tool

Banks and lenders love to promote their “low APR loans” — especially online. In fact, by default, most online mortgage marketplaces sort their quotes by APR.

This means that the loans with the lowest APR show up first, follow by loans with higher APR. This can be misleading. Getting a low APR doesn’t mean you’re getting a good deal.

The APR formula is flawed. Here’s why.

When your lender calculates an APR, it’s estimating your long-term cost on your loan.

In order to make that estimate, the lender has to predict the future, while making drastic assumptions about what may or may not happen.

Here are three such assumptions :

  1. The APR formula assumes that you will hold your loan for 30 years
  2. The APR formula assumes that you will never make an extra principal payment
  3. The APR formula assumes that you will never refinance or sell your home

And, for loans with private mortgage insurance (PMI), the APR formula makes an assumption for the specific month-and-year that your home will reach twenty percent equity; that your PMI will go away.

This is impossible and it’s for these reasons that Annual Percentage Rate fails.

As another example, consider two loans — one with discount points and one without.

When comparing loans with discount points to loans without discount points, loans with discount points will nearly always show a lower APR even though the loan may not be “cheaper”.

Loans with discount points are front-loaded with fees and can be a terrible choice for somebody living in a home for less than ten years.

Online lenders know this, but don’t care. Requiring big discount points make their “deals” look great online but, in reality, the loans are expensive.

Shopping by APR can be the worst way to shop for a loan.

APR Assumes You’ll Never Sell, Never Refinance

Your loan’s APR is affected by more than just discount points — loan fees play a role, too.

Remember that at the start of the mortgage shopping process, when you ask a lender for your APR, many of your final loan costs are still unknown. Third-party loan costs such as appraisal and title services are estimated, and so are some lender fees.

This is why your receive something called a Good Faith Estimate . There’s a reason it’s not called the Good Faith Iron-Clad Guarantee. At the start of the loan process, banks don’t know each fee you’ll pay to the penny.

Meanwhile, these costs figure into your APR so when a banks estimate fees, APR becomes an estimate, too.

Another APR flaw is linked to adjustable-rate mortgages (ARMs).

The government’s APR formula requires banks to assume how your loan will adjust over its 30-year term. These adjustments affect your estimated future payments which, in turn, affect your APR.

Despite equal mortgage rates and fees, then, a bank which assumes the smallest mortgage rate adjustments will also show the smallest APR.

The loan may not be “better” — it just makes rosier predictions about the future.

This, too, is misdirecting.

How To Shop By APR, If You Must

APR can muddy the process of shopping for a mortgage rate. Rather than shop by APR, consider picking a specific rate you want, then shopping for fees at that rate. Or, choose a zero-closing cost mortgage and shop for rates at that zero-fee .

In other words, fix one piece of the puzzle in place, then shop for the other because you can’t shop for both at the same time.

As a real-life example, if today’s 30-year fixed rate mortgage rate is 3.50% and your quotes from three separate lenders require fees of $1,500, $2,000, and $3,000, it’s clear which option is going to be best — the option with the fewest closing costs.

This is far simpler than trying to compare 3.50% at $3,000 versus 3.625% at $500 versus 3.75% with no closing costs.

Especially because the 3.50% rate may show the lowest APR.

As an another example, if you ask all three lenders for a zero-closing cost mortgage rate at the rates come back at 3.625%, 3.75%, and 3.875%, you’ll know exactly which one to choose, too.

You can’t shop for rates and fees at the same time and be sure you’re making a good choice.

Get Today’s Live Rates And APR 

Mortgage rates are back below 4% and mortgage lenders are approving a higher percentage of loans than during any period this decade. It’s an excellent time to compare rates for a purchase or home refinance.

Get a complimentary mortgage rate quote today. Rates are available online at no cost, with no obligation to proceed, and with no social security number required to get started.

The information contained on The Mortgage Reports website is for informational purposes only and is not an advertisement for products offered by Full Beaker. The views and opinions expressed herein are those of the author and do not reflect the policy or position of Full Beaker, its officers, parent, or affiliates.



Car Loan Calculator. Calculate monthly payments and total interest payable on a car finance deal. #loan #contract


#car finance calculator
#

Car loan calculator

The car loan calculator works in the same way as an ordinary loan calculator. The only difference is that it also calculates the loan you require by deducting the deposit amount from the price of the car to make it a little easier to use. The calculator works out the monthly payments and total interest payable on a car loan from the car price, deposit, term and APR. Here are a few companies to consider:

  • Freedom Finance – Find your perfect loan – with no credit footprint!
  • MSG Cars – Instant decisions.
  • Car Loan 4U – No admin fees.
  • Getmecarfinance – 100% guaranteed acceptance.
  • Zopa – Lower rates through peer to peer lending.
  • Car Finance 247 – Compare over 300 loan products.

Luxury Car Loans

Finance rates can be more favourable for prestige brands such as Audi, BMW, Mercedes, Lexus and Porsche where the particular car has a lower depreciation rate and the loan is secured by the asset value of the vehicle or where the value of the car at the end of the loan term is a consideration of the finance package. As a general rule larger borrowings are offered as reduced interest rates too. Do shop around for better deals on luxury cars even if you think you have a good deal. You may be pleasantly surprised!

Free Car Loan Calculator

If you would like a free car loan calculator on your web site go to free car loan calculator widget.

Do I really need a car loan?



BND – Student Loan Services: Loan Types – DEAL Loan #student #loans #payment


#best loan deals
#

DEAL Student Loan

If you add up all of your sources of aid and still fall short of meeting the cost of attendance at your school, a DEAL Student Loan is a good option to help you make up the difference. The DEAL Student Loan provides students with an outstanding alternative loan option when they are unable to obtain adequate funds through federal student aid programs. The DEAL Student Loan is funded by BND and guaranteed by Student Loans of North Dakota (SLND).

How do I know if I qualify for a DEAL Student Loan? (Qualifications are subject to change without notice.)

  • Your state of legal residence OR the school that you are attending must be located in one of the following states: North Dakota, South Dakota, Minnesota, Montana, Wyoming or Wisconsin.
  • You must be a U.S. citizen attending an eligible school, be making satisfactory academic progress in an eligible program and must not have any other loans in default.
  • You must complete the Free Application for Federal Student Aid (FAFSA) process if you plan to attend school at least half-time.
  • The school certifies your current enrollment or acceptance for enrollment, academic progress and eligibility.
  • Whether you take one class or are a full-time student, you may qualify for a DEAL Student Loan.
  • High school students participating in dual credit programs may qualify for a DEAL Student Loan.
  • You, or a creditworthy cosigner, must meet specific credit criteria.

Are there loan limits?

Yes. For any student that does not have a DEAL Student Loan balance as of July 1, 2012, the maximum DEAL Student Loan limit for Undergraduate students is $50,000. The maximum DEAL Student Loan limit for graduate students is $50,000. (Some schools with high cost programs such as medical, dental, law or aviation may be approved for higher loan limits.) Students who have a DEAL Student Loan balance as of July 1, 2012 are not subject to maximum loan limits. The minimum DEAL Student Loan amount is $500 per loan. As a borrower, you may not borrow more than the cost of attendance at your school minus all other financial aid received for the loan period.



Car Deal Expert Auto Loans – Auto Financing, Car Loans and Car Credit! #payday #loan #direct #lender


#loan deals
#

Let the Auto Loan Pros at Car Deal Expert Put You in Your Next New or Used Car

Many people have heard that obtaining auto loans is really hard these days. Nothing could be further from the truth. Thanks to numerous incentives and guarantees being provided to the banks by Uncle Sam auto loans are quite easy to obtain again. And savvy consumers are using the ease of being able to finance a new or use car in order to ensure that they have reliable transportation. What Car Deal Expert does is help get you driving the car of your dreams faster and easier than you ever thought possible. Apply Now

Who doesn’t want to drive home in a car they have confidence in; a truck that is both dependable and still fun? With Car Deal Expert, you’ll have the financing in hand from a trusted lender to help make the negotiating process one that always ends in your favor. When you add in the fact that we also can obtain for you the no-hassle, best-price for over a million cars in our inventory, it all adds up to one simple proposition: The best car, for the best price, with the best payment options. Why wait? Get the car or truck of your dreams today!



10 steps to a great deal on a new-car loan #bad #credit #cash #loans


#loan deals
#

Ch. 2: Your new-car dollar

Here are 10 tips to help you get the best auto loan:

1. Shop the loan separately from the car. Before starting negotiations on the exact car and price, begin the loan application process with credit unions, banks, well-respected online lenders and even your auto insurance company. “Generally, we’ve seen that online banks have been the best,” says Anthony Giorgianni, associate finance editor of “Consumer Reports Money Adviser” newsletter in Yonkers, N.Y. “The little banks might be very competitive,” he says. “A lot of them didn’t get caught up in the credit crunch.” And credit unions rates tend to be about 1 percent to 1.5 percent lower than banks, says Jim Hanson, a vice president at the Credit Union National Association in Madison, Wis.

You can get prequalification for a loan, which would enable you to go to the dealer with a blank check — good up to a specified amount, says Phil Reed, senior consumer advice editor for Edmunds.com. Once you have a solid, written contract with the dealer, only then ask if they can beat the financing deal you already have.

Shopping for a car or just a car loan? Download Bankrate’s auto app for price comparisons, loan calculations and more.

2. Limit your loan shopping to a two-week period. Every time you apply for a loan — whether you are approved, whether you use it — your credit score goes down and it makes it slightly more difficult to get a prime-rate loan. But if you make all of your applications within a two-week period, they count as only one inquiry.

3. Get familiar with your own credit history. Get free copies of your three credit reports, from Equifax, Experian and TransUnion at www.AnnualCreditReport.com. If you want to learn your exact scores from the three agencies, you can order them for a small fee from their individual Web sites. The credit or FICO score you buy is probably not the same one your lender uses, but it should be close. With an auto loan, you have a little more wiggle room in terms of your score. “What’s considered good for a car loan will be a little lower than what’s good for a mortgage,” says Gail Hillebrand, senior attorney with the San Francisco office of Consumers Union.

4. Shop the total loan amount, not the monthly payment. The only time you should consider the monthly payment is when you privately calculate how much you want to spend for your car. After that, don’t discuss monthly payments. Some lenders may focus on the payments to induce you to borrow more money by extending the number of months you pay. That way they make more in interest, and you have to drive your aging car longer.

5. Don’t assume the best. Lenders aren’t obligated to offer you the best rate for which you qualify. In 2007, car dealers marked up loans by an average 1.8 percent on used cars and 0.6 percent on new ones, according to Josh Frank, senior researcher for the Center for Responsible Lending in Durham, N.C. Let the lender know you’re shopping around or already have another offer. You’re more likely to see a better rate. You can find the best available auto loans in your area at Bankrate’s auto rate tables .



Home Equity Loans and HELOCs – Getting a Good Deal – Personal Finance. #joint #loans


#get a loan
#

Home Equity Loans and HELOCs Getting a Good Deal

Tips

  • Fluctuating interest rates and advance and balloon payment terms can make home equity lines of credit more tricky than typical home loans.
  • If you have a single project in mind, such as a kitchen remodel, a home equity loan is better than a home equity line of credit.
  • Your credit history and score don’t have a major effect on getting approval for a home equity loan or line of credit because your home is the collateral. If used properly in the long run, HELOCs can help your credit score.
  • Related How-Tos

    Feedback

    At some point, you ll probably need money that you don’t have handy, possibly for a home improvement project or a large, unexpected expense. What do you do if you don’t have the money in your checking account? If you own your home, you have the option of getting a home equity loan or a home equity line of credit.

    A home equity loan is basically a second loan (after your mortgage) that you take out on your house. But where the first loan (your mortgage) goes toward the purchase of your home, the second loan (the home equity loan) is a lump of cash the bank gives you to spend as you please.

    Once you’re approved for a home equity loan, you receive a check for the total loan amount. Home equity loans have a fixed interest rate and a fixed term (the amount of time you have to repay the loan), usually 10 to 15 years. You make monthly payments on the loan until it’s all paid up.

    W ith a home equity line of credit (HELOC), you’re approved for a total loan amount, but bank does not give you money in a lump sum. Instead, you get a credit/debit card, or a checkbook (or both) and you withdraw money when needed. You only pay interest on the amount you ve taken out, and you’re only limited by the total amount of the loan. Up to $100,000 of the loan is tax deductible.

    HELOCs are trickier than typical home loans that pay you one lump sum up front. Here are some characteristics of these credit lines:

    • Fluctuating Interest Rates – A line of credit with fluctuating rates can make your payments increase, sometimes drastically. Some lenders offer a low “introductory rate,” only to increase it after a month or two.

    • Advance Period Terms – HELOCs with these terms allow you to access the money for a set period of time, say five years. Once that term is up, you can’t withdraw money and you must to repay whatever you borrowed in the next ten years (known as the “repayment period” ).

    • Balloon Payment Terms – Some HELOCs only charge you interest for ten years, but then may charge you an additional fee that is due at the end of the loan s terms. Sometimes this balloon amount tagged on at the end so large, that borrowers refinance to include the balloon amount.

    Should You Use Home Equity?

    Should you look for a traditional home-equity loan (that pays you right away) or a home-equity line of credit, which that extends a line of credit over time?

    Well, if you have a single, discrete expense (like a kitchen remodel), a regular home-equity loan is the right move. You get your money, you pay for the project and you start repaying the loan right away—in monthly payments that remain the same over the life of the loan.

    But if you’re looking at a series of payments over a period of time, or want a safety net that you can bail you out at a moment’s notice, a HELOC is the better choice—you’ll only pay for the money you need.

    Most home-equity loans and HELOCs use the following formula to determine how much to lend: 75-80% of current home’s value (determined by an appraiser’s visit, which you pay for) minus the amount you owe on your mortgage. When real estate values decline, getting a HELOC gets tougher, but it’s still an option for many homeowners.

    Here’s an example that assumes the bank will lend 75% of your home’s value:

    Current home value: $400,000

    75% of current value: $300,000

    Size of your mortgage: $250,000

    Amount lent to you: $50,000

    Some lenders will lend you even more than 80% of the value of your home – up to 100% or even 125% of the home’s appraised value. But a home equity loan that large is risky, since your home might not appreciate that much by the time you’re ready to sell. Indeed, home values haven’t risen much at all of late. If your home declines in value or rises very little, you could get stuck owing money on your home equity loan, even after you sell the house. Here’s how such a huge home equity loan can become a huge headache:

    Current home value in 2008: $400,000

    125% of home value: $500,000

    Size of your mortgage: $250,000

    Amount lent to you: $250,000

    Sale price of your home in 2011: $475,000

    Mortgage in 2011: $240,000

    Total amount owed (mortgage and home loan): $490,000

    In this example, you still owe the bank $15,000 more than the home s sale price. And that’s not even including the closing fees, moving expenses, and other costs associated with selling. Right now, you read about a lot of people who ve gotten into trouble because they took out more money than their houses were worth, and are unable to pay off the debt.

    Where and How to Get a Good Deal

    Now that we’ve scared you enough with the risks involved in using home equity, we should tell you that there are some benefits.

    A benefit of a home equity loans and HELOCs is that your credit score and credit history don’t really have any effect on your loan s approval, or on the rates that you pay. That’s because your home is the collateral. This may be good if your credit score isn’t so hot, but keep in mind that, if you don’t make payments, the lender can repossess your home. Also, just like a mortgage, up to $100,000 of the interest you pay on a home equity loan is tax deductible. In terms of your credit score, a HELOC is treated as a line of credit, so adding the new account will result in a temporary ding on a score, but if used responsibly, HELOCs add to your credit history, thus raising your score.

    The approval process for a home equity loan or HELOC isn’t as strenuous as the mortgage approval process. Generally, all that’s required to apply is an appraisal of your home and verification of your income. This also means that approval comes more quickly. Usually, you can get a home equity loan or HELOC in a matter of weeks– it’s much quicker than the months-long ordeal of securing a mortgage.

    But make sure you understand the fees involved, which are less than the fees you pay on a mortgage, but significant nonetheless. This makes sense, since the loan you’re taking out is smaller. When it comes to fees and interest rates on these loans, you may want to shop around. Don’t feel obligated to get your home equity loan or line of credit from the same lender that handles your mortgage – the two aren’t connected in any way. But do check with your mortgage lender – they may be more likely to cut you a deal, since you’re already a customer.

    Also, read all the fine print on a HELOC. Some lenders require you to withdraw money—whether you want to or not—several times a year; they may also exact a heavy penalty (up to thousands of dollars) if you decide you don’t want the loan anymore, pay it back entirely and close the line of credit (this is called a “prepayment penalty”). Not all loans have these conditions, so if you’re thinking of getting a HELOC but have no real intention to use it, make sure you can leave it alone without it costing you anything extra.

    One last tip: go to a credit union. Credit unions often offer better home equity rates than other banks and lenders. If the credit union doesn’t work for you, shop around your local banks as well as online.

    Related WSJ Articles and Blog Posts:



Mortgage Rates vs APR: How To Get Your Best Mortgage Deal #203k #loan


#cheapest home loan
#

Click To See Today’s Rates

Posted August 1, 2015

As Seen On

Mortgage Rates vs APR: How To Get Your Best Mortgage Deal

The “Best Deal” In Mortgages

You’re shopping for mortgage rates and you want today’s absolute best deal. Don’t we all.

Finding that “deal”, though, won’t be easy as you’d think. There’s a lot of information to consider on a purchase mortgage or refinance. and most of it’s confusing.

This is why rate shoppers tend to use Annual Percentage Rate (APR) calculation to help with their comparisons. APR is supposed to represent the “true cost” of a mortgage over time.

However, it doesn’t.

When you shop by APR, you may be less likely to choose “the best loan” for your needs. APR is among the most easily manipulated numbers in mortgages. Worse, many lenders count on you not knowing that.

APR is not the metric for comparing mortgages — it’s merely a metric.

What Is “APR”?

More commonly called APR, Annual Percentage Rate is a government-concocted math formula. It’s meant to measure the long-term cost of a loan, from the date of closing to the date of payoff.

APR is roughly measured by taking the original loan size, accounting for closing costs and prepaid items, then estimating how many dollars will have to be paid over the loan’s term to pay off the loan in full.

For a 30-year fixed rate mortgage, the loan’s term is 360 months. For a 15-year fixed rate mortgage, the loan’s term is 180 months. And so on.

APR attempts to answer the question, “If I borrow this  much money, and it costs me this  much to pay off my loan, what would my theoretical mortgage rate have been?”

APR is printed in the top-left corner of the Truth-In-Lending Disclosure, as shown above.

Loan officers are required to disclose a mortgage’s particular APR every time they make a rate quote. This is federal law, meant for consumer protection.

By showing APR alongside every rate mortgage quote, customers are purported to be empowered to make better, wiser home loan choices. And, in some cases, APR works.

In many more cases, though, APR fails — especially online. This is because APR can’t be the “apples-to-apples” comparison tool it’s advertised to be.

The loan with the lowest APR isn’t always your best loan.

APR Is Not An “Apples-To-Apples” Comparison Tool

Banks and lenders love to promote their “low APR loans” — especially online. In fact, by default, most online mortgage marketplaces sort their quotes by APR.

This means that the loans with the lowest APR show up first, follow by loans with higher APR. This can be misleading. Getting a low APR doesn’t mean you’re getting a good deal.

The APR formula is flawed. Here’s why.

When your lender calculates an APR, it’s estimating your long-term cost on your loan.

In order to make that estimate, the lender has to predict the future, while making drastic assumptions about what may or may not happen.

Here are three such assumptions :

  1. The APR formula assumes that you will hold your loan for 30 years
  2. The APR formula assumes that you will never make an extra principal payment
  3. The APR formula assumes that you will never refinance or sell your home

And, for loans with private mortgage insurance (PMI), the APR formula makes an assumption for the specific month-and-year that your home will reach twenty percent equity; that your PMI will go away.

This is impossible and it’s for these reasons that Annual Percentage Rate fails.

As another example, consider two loans — one with discount points and one without.

When comparing loans with discount points to loans without discount points, loans with discount points will nearly always show a lower APR even though the loan may not be “cheaper”.

Loans with discount points are front-loaded with fees and can be a terrible choice for somebody living in a home for less than ten years.

Online lenders know this, but don’t care. Requiring big discount points make their “deals” look great online but, in reality, the loans are expensive.

Shopping by APR can be the worst way to shop for a loan.

APR Assumes You’ll Never Sell, Never Refinance

Your loan’s APR is affected by more than just discount points — loan fees play a role, too.

Remember that at the start of the mortgage shopping process, when you ask a lender for your APR, many of your final loan costs are still unknown. Third-party loan costs such as appraisal and title services are estimated, and so are some lender fees.

This is why your receive something called a Good Faith Estimate . There’s a reason it’s not called the Good Faith Iron-Clad Guarantee. At the start of the loan process, banks don’t know each fee you’ll pay to the penny.

Meanwhile, these costs figure into your APR so when a banks estimate fees, APR becomes an estimate, too.

Another APR flaw is linked to adjustable-rate mortgages (ARMs).

The government’s APR formula requires banks to assume how your loan will adjust over its 30-year term. These adjustments affect your estimated future payments which, in turn, affect your APR.

Despite equal mortgage rates and fees, then, a bank which assumes the smallest mortgage rate adjustments will also show the smallest APR.

The loan may not be “better” — it just makes rosier predictions about the future.

This, too, is misdirecting.

How To Shop By APR, If You Must

APR can muddy the process of shopping for a mortgage rate. Rather than shop by APR, consider picking a specific rate you want, then shopping for fees at that rate. Or, choose a zero-closing cost mortgage and shop for rates at that zero-fee .

In other words, fix one piece of the puzzle in place, then shop for the other because you can’t shop for both at the same time.

As a real-life example, if today’s 30-year fixed rate mortgage rate is 3.50% and your quotes from three separate lenders require fees of $1,500, $2,000, and $3,000, it’s clear which option is going to be best — the option with the fewest closing costs.

This is far simpler than trying to compare 3.50% at $3,000 versus 3.625% at $500 versus 3.75% with no closing costs.

Especially because the 3.50% rate may show the lowest APR.

As an another example, if you ask all three lenders for a zero-closing cost mortgage rate at the rates come back at 3.625%, 3.75%, and 3.875%, you’ll know exactly which one to choose, too.

You can’t shop for rates and fees at the same time and be sure you’re making a good choice.

Get Today’s Live Rates And APR 

Mortgage rates are back below 4% and mortgage lenders are approving a higher percentage of loans than during any period this decade. It’s an excellent time to compare rates for a purchase or home refinance.

Get a complimentary mortgage rate quote today. Rates are available online at no cost, with no obligation to proceed, and with no social security number required to get started.

The information contained on The Mortgage Reports website is for informational purposes only and is not an advertisement for products offered by Full Beaker. The views and opinions expressed herein are those of the author and do not reflect the policy or position of Full Beaker, its officers, parent, or affiliates.



How to get the best loan deal for your dream car #usda #home #loans


#best loan deals
#

How to get the best loan deal for your dream car

The loan math

A loan deal becomes sweet only if there is some kind of incentive from the manufacturer or financier. Otherwise, it can be as good as any other loan deal in the market. Try and separate the loan purchase from other negotiations in order to maximise it. Even if you can’t maximise, you would know what exactly you’ve got.

For instance, a discount offered by a manufacturer can be clubbed in the loan calculation to make the loan deal look much better. Assuming that you take a Rs 4-lakh loan at 12% interest rate for 5 years. The EMI will cost Rs 8,810. Let’s assume that the dealer has got a discount of Rs 25,000 to be offered to you. He doesn’t tell this to you but reduces it from the loan amount, making the EMI as low as Rs 8,259. Or he may also choose to tell the customer that the effective interest rate he is offering is 8.8%. A discount of Rs 25,000 doesn’t sound as lucrative as an interest rate of 8.8% in the current scenario,” says Banwari Lal Sharma, AVP, CarWale Automotive Exchange.

Is it really a discount?

A car dealer offers a “good” deal only under the following circumstances. First, the dealer has a huge stock of a particular car and he wants to liquidate that at any cost. Second, the dealer has service issues, which has impacted his reputation. Hence he may design attractive deals to offset its impact.

If the dealer claims to give a good discount, you should first understand the nature of the offer. The dealer may be offering accessories, insurance, car loan etc. at a ‘discounted’ price. But it may not be the best and the lowest price in the market. “Car accessories such as music systems, Bluetooth are much cheaper in shops owned by the authorised dealers. If the dealer is giving a discount on the car cost or accessories, the dealer has already made his money by earning a good margin on accessories. Thus the dealer makes money by inflating the charges of the value-added services and the customer is usually unaware,” says Rupesh Rele, a Mumbai-based auto expert.

Hence you should cross-check the offer not just with other dealers but also with other industry players who specialise in selling accessories, insurance or loans.

Cash Discount the best bet

A dealer may entice you with a cheaper loan offer which may seem half of what the banks offer. But there are chances he may build it into the cost in some other manner. “A customer should ask only for cash discount. Most dealers say they will offer a lower interest rate instead of a cash discount. That will reduce the customer’s EMI. But car buyers should not fall for this pitch. If you are paying 1 lakh as down-payment for a Rs 5-lakh car loan, ask for a cash discount on that Rs 1 lakh. Then compare the discount offers from various lenders to identify the best deal,” says Harsh Roongta. chief executive officer of Apnapaisa.com .

Age of the car

This is as important while buying a new car. Car sales have plunged in the past two years because of rising petrol prices and higher interest rates. Typically, dealers also offer the best discounts on these “dated” cars. But if you are looking to sell the car in 3-4 years, the manufacturing date of the car will be the sole determinant of the resale value. Let us look at two cars of the same make and sub-type. One with a manufacturing date of December 30, 2011 and the other with a manufacturing date of January 5, 2012. Both the cars have a registration date of May 2012. “The car manufactured in 2011 will be sold for a cheaper price and at a better offer than the one made in 2012. But if you intend to sell this car after 3-4 years, you will get a far lower value for the 2011-car although it is only 7 days older than the 2012-car,” says Rupesh Rele.

Hence don’t forget to look at the age of the car while negotiating on the price and the discounts offered by the dealer.

One rupee and free insurance

The cheapest is not the best when it comes to insurance. You have to look at IDV (insured’s declared value), coverage of the policy and the tie-ups of the insurer before buying an insurance policy. IDV is the compensation you get in case of theft or total loss of the vehicle due to accidental damage. The IDV should not be less than 15% in the second year and 20% in the third year. Also opt for a comprehensive insurance coverage than third party liability. Compare the policy details with what the insurers offer and also the price and quotations.

Next time a dealer doles out the ‘best’ car loan offer, do your EMI math by getting separate quotations from banks based on your loan affordability. Compare those with the dealers’ quotations. And always negotiate on cash discount. This will lower your loan amount, EMI and the interest outgo, too.



Deal offers loan forgiveness for thousands of AZ students – CBS 5 #personal #loans #for #students


#student loan corporation
#

Deal offers loan forgiveness for thousands of AZ students

PHOENIX (KPHO/KTVK) –

Thousands of former college students in Arizona are getting their student loan debt forgiven.

It’s part of a multi-state agreement between attorneys general and Education Management Corporation.

EDMC runs Argosy University, The Art Institutes, Brown Mackie College and South University. It’s accused of using high pressure and making false claims about program accreditation.

The total cost in Arizona for debt forgiveness is $2.7 million.

We found that many students who enrolled in these schools to make a better life for themselves were instead left unemployed with thousands of dollars in student loan debt, said Arizona Attorney General Mark Brnovich. We will continue to hold EDMC accountable for what we believe are unfair recruitment and enrollment practices.

Nationwide, the agreement requires EDMC to forgive $102.8 million in outstanding loan debt held by more than 80,000 former students.

Those students eligible for relief must have been enrolled in an EDMC program with fewer than 24 transfer credits, withdrew within 45 days of the first day of their first term, and their final day of attendance must have been between Jan. 1, 2006 and Dec. 31, 2014.

If you are a current or former student enrolled in the Brown Mackie Nursing Program in Tucson, or if you believe you are a victim of any type of consumer fraud and would like to file a complaint, you can do so online by visiting the Arizona Attorney General s website at

You can also contact the Attorney General’s Office in Phoenix at 602-542-5763, in Tucson at 520-628-6504, or outside the Phoenix and Tucson metro areas at 1-800-352-8431.

[PRESS RELEASE: AG Brnovich Obtains $2.7 Million in Student Loan Forgiveness for Former Students of Brown Mackie College, The Art Institutes, and Argosy University ]

Copyright 2015 KPHO/KTVK (KPHO Broadcasting Corporation). All rights reserved.



Bad Credit? Get the Right Car Finance Deal Today #federal #pell #grant


#car loans for bad credit
#

Bad Credit Car Finance

Don’t worry! With Carfinance247 this isn’t a problem – we are sympathetic to people requiring bad credit car finance. We endeavour to supply affordable car finance regardless of past credit history. Whether you’ve had CCJs, mortgage arrears, other payment defaults, if you’re self-employed or even if you have NO credit history at all, we do not consider these valid reasons for you to be refused car finance.

We can also try to help you if you are in a debt management plan or an IVA.

Credit to suit you

There could be numerous reasons why you may have been previously refused car finance, so we search for the most suitable deal from our large panel of lenders to suit your specific circumstances. We even offer help, guidance and advice on how to repair your credit rating.

Why not benefit from our no hassle service today? Once approved, our experienced finance advisors are on hand to guide you through every step of the process. And remember, in most cases, no deposit is required.

  • Simply choose a vehicle from any reputable dealer
  • Agree your monthly repayments
  • Sign the relevant paperwork
  • Collect your vehicle and enjoy!

To help protect you, we also offer optional warranties and GAP insurance. These are great products that we offer at competitive prices, so if you’re interested please ask your finance advisor.

Bad credit car finance specialists

Our customers who have been refused credit elsewhere will find that this may not always be an obstacle for Carfinance247. We won’t let financial problems in your past get in the way of you securing car finance with bad credit. Our advisors are friendly and approachable, and we understand that everybody’s credit rating is different. Rates offered are dependent upon your credit score.

Genuine understanding

We know how easy it is to become downcast when you’ve been refused car finance due to bad credit. Often this situation occurs through no fault of your own. You may be self-employed and so have no proof of income, or you may have no credit history at all. Often you may have simply been a little bit late paying bills.

At Carfinance247, we can overcome these so-called problems and help find you a great deal.

Representative 25.8% APR



10 steps to a great deal on a new-car loan #montel #williams #loan


#loan deals
#

Ch. 2: Your new-car dollar

Here are 10 tips to help you get the best auto loan:

1. Shop the loan separately from the car. Before starting negotiations on the exact car and price, begin the loan application process with credit unions, banks, well-respected online lenders and even your auto insurance company. “Generally, we’ve seen that online banks have been the best,” says Anthony Giorgianni, associate finance editor of “Consumer Reports Money Adviser” newsletter in Yonkers, N.Y. “The little banks might be very competitive,” he says. “A lot of them didn’t get caught up in the credit crunch.” And credit unions rates tend to be about 1 percent to 1.5 percent lower than banks, says Jim Hanson, a vice president at the Credit Union National Association in Madison, Wis.

You can get prequalification for a loan, which would enable you to go to the dealer with a blank check — good up to a specified amount, says Phil Reed, senior consumer advice editor for Edmunds.com. Once you have a solid, written contract with the dealer, only then ask if they can beat the financing deal you already have.

Shopping for a car or just a car loan? Download Bankrate’s auto app for price comparisons, loan calculations and more.

2. Limit your loan shopping to a two-week period. Every time you apply for a loan — whether you are approved, whether you use it — your credit score goes down and it makes it slightly more difficult to get a prime-rate loan. But if you make all of your applications within a two-week period, they count as only one inquiry.

3. Get familiar with your own credit history. Get free copies of your three credit reports, from Equifax, Experian and TransUnion at www.AnnualCreditReport.com. If you want to learn your exact scores from the three agencies, you can order them for a small fee from their individual Web sites. The credit or FICO score you buy is probably not the same one your lender uses, but it should be close. With an auto loan, you have a little more wiggle room in terms of your score. “What’s considered good for a car loan will be a little lower than what’s good for a mortgage,” says Gail Hillebrand, senior attorney with the San Francisco office of Consumers Union.

4. Shop the total loan amount, not the monthly payment. The only time you should consider the monthly payment is when you privately calculate how much you want to spend for your car. After that, don’t discuss monthly payments. Some lenders may focus on the payments to induce you to borrow more money by extending the number of months you pay. That way they make more in interest, and you have to drive your aging car longer.

5. Don’t assume the best. Lenders aren’t obligated to offer you the best rate for which you qualify. In 2007, car dealers marked up loans by an average 1.8 percent on used cars and 0.6 percent on new ones, according to Josh Frank, senior researcher for the Center for Responsible Lending in Durham, N.C. Let the lender know you’re shopping around or already have another offer. You’re more likely to see a better rate. You can find the best available auto loans in your area at Bankrate’s auto rate tables .



We – ll get the best possible deal for you. #new #car #loan


#bridging loans
#

Welcome to Bridging Finance

What Is Bridging Finance

Bridging Finance is a money advance. For example :

  • funds that are due to you from a property transaction, pension, provident fund or other
  • the conversion of property equity  (value) into cash
  • the facilitation of trade transaction normally by means of a cash advance  or a guarantee
  • lawsuit finance on the No Win – No Fee basis

Bridging Loans allow you to take advantage of a current opportunity or to settle debts

There are two main elements which apply to bridging loans and finance :

Contacting Us

We are a facilitation service and cannot provide advice to clients.

All enquiries are automatically directed to a specialist credit provider.

If your application is successful, we are paid a fee by the lender which is included in your loan provided.

How Does This Work?

You are requested to please fill in the correct enquiry form on the specific category of finance you require.

Note: Select the correct category, click “APPLY HERE”, fill in the enquiry form, submit and then your enquiry will go to the appropriate credit provider / lender, who will make contact with you IF they feel they are able to assist.

If no one makes contact with you, the credit provider is unable to assist you.

If you select the incorrect category, the enquiry goes to the wrong lender and they will decline the application

PLEASE SELECT THE CORRECT PRODUCT SOLUTION, TO ENSURE YOUR ENQUIRY RECEIVES ATTENTION.



Senators reach deal on student loan interest rates #savings #and #loans


#student loans rates
#

Story Highlights

    Deal would offer lower interest rates through 2015, then climb higher A vote could happen as soon as Thursday; maybe next week Rate hike took effect on July 1 and both sides have been scrambling on an agreement

WASHINGTON — A bipartisan group of senators reached a deal Wednesday evening to offer college students better rates on loans this fall but higher rates in future years.

The agreement comes one day after lawmakers met with President Obama at the White House.

The Senate deal would offer students lower interest rates through the 2015 academic year, but then rates would likely climb higher than they were when students left campus this spring.

The interest rates would be linked to the financial markets, but Democrats won a protection for students that rates would never climb higher than 8.25% for undergraduate students. Graduate students would not pay rates higher than 9.5%, and parents’ rates would top out at 10.5%.

The deal was confirmed to USA TODAY by a Democratic aide who was not authorized to discuss the ongoing negotiations publicly and insisted on anonymity.

A vote on the agreement could come as early as today, although it could be pushed back to the middle of next week.

The bipartisan agreement is likely to be the final in a string of efforts that have emerged from near constant work to undo a rate hike that took hold for subsidized Stafford loans on July 1. Rates for new subsidized Stafford loans doubled from 3.4% to 6.8%, adding roughly $2,600 to students’ education costs.

Lawmakers from both parties called the hike senseless but differed on how to restore the lower rates.

Sen. Lamar Alexander, R-Tenn. the top Republican on education issues, told Politico the proposal would apply to students who have already taken federal loans at higher rates.

“It would save students in 11 million families billions of dollars,” he said. “We’d like to be able to do this together, and we hope that we can come to a decision right away because families need to make their plans.”

The House of Representatives has passed student loan legislation that also would link interest rates to the 10-year Treasury note. The differences between the Senate and House versions are expected to be resolved before students return to campus this fall.

Students typically do not take out loans until just before they return to campus, and Congress had until they left for the August recess to restore the lower rates.

The deal was estimated to reduce the deficit by $715 million over the next decade.

Undergraduates last year borrowed at 3.4% or 6.8%, depending on their financial need. Graduate students had access to federal loans at 6.8% and parents borrowed at 7.9%.

Under the deal, all undergraduates this fall would borrow at 3.85% interest rates. Graduate students would have access to loans at 5.4%, and parents would be able to borrow at 6.4%.

If the economy improves as congressional economists predict, rates would climb in coming years.

The compromise reached Wednesday would limit how high those rates could go, although all were higher than current fixed levels.

Contributing: Michael Winter and the Associated Press



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#best home loan rates australia
#

RBA Cash rate changes in past 5 years:

What is best fixed rate home loan ?

Bank offer very lower rate on introductory interest rate to sign up new clients to their home loans. But if client does not have any historical record about their usual interest rates, that means they are signing up for something very expensive without any prior knowledge.

To select the best fixed rate home loan, we need to understand the current market situation in term of reserve bank cash rate. If the cash rate is at usual state, or lower than usual state, it means it is risk free to take a fixed rate home loan. Some times when the cash rate remains too low, at that period of time variable rates from banks become lower than previous years fixed rate, or a fixed rate from year before. As a result it is lower in risk factors to take home loan at maximum of 3 years fixed rate. In most cases difference between total savings in 3 years on interest from a 3 years fixed rate home loan with total savings on interest from a 5 years fixed rate home loan is insignificant.

Considering above it is lower in risk to have maximum 3 years fixed rate home loan to have best benefit on interest. And it is better not to have a fixed rate home loan when cash rate is at pick stage and it is obvious the cash rate will be reduced by next year or so.

Click here to find current home loan interest rate offers.

What portion of home loan should be on 3 years fixed rate home loan ?



Deal offers loan forgiveness for thousands of AZ students – CBS 5 #direct #payday #loans


#student loan corporation
#

Deal offers loan forgiveness for thousands of AZ students

PHOENIX (KPHO/KTVK) –

Thousands of former college students in Arizona are getting their student loan debt forgiven.

It’s part of a multi-state agreement between attorneys general and Education Management Corporation.

EDMC runs Argosy University, The Art Institutes, Brown Mackie College and South University. It’s accused of using high pressure and making false claims about program accreditation.

The total cost in Arizona for debt forgiveness is $2.7 million.

We found that many students who enrolled in these schools to make a better life for themselves were instead left unemployed with thousands of dollars in student loan debt, said Arizona Attorney General Mark Brnovich. We will continue to hold EDMC accountable for what we believe are unfair recruitment and enrollment practices.

Nationwide, the agreement requires EDMC to forgive $102.8 million in outstanding loan debt held by more than 80,000 former students.

Those students eligible for relief must have been enrolled in an EDMC program with fewer than 24 transfer credits, withdrew within 45 days of the first day of their first term, and their final day of attendance must have been between Jan. 1, 2006 and Dec. 31, 2014.

If you are a current or former student enrolled in the Brown Mackie Nursing Program in Tucson, or if you believe you are a victim of any type of consumer fraud and would like to file a complaint, you can do so online by visiting the Arizona Attorney General s website at

You can also contact the Attorney General’s Office in Phoenix at 602-542-5763, in Tucson at 520-628-6504, or outside the Phoenix and Tucson metro areas at 1-800-352-8431.

[PRESS RELEASE: AG Brnovich Obtains $2.7 Million in Student Loan Forgiveness for Former Students of Brown Mackie College, The Art Institutes, and Argosy University ]

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Bad Credit? Get the Right Car Finance Deal Today #best #home #loan


#car loans for bad credit
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Bad Credit Car Finance

Don’t worry! With Carfinance247 this isn’t a problem – we are sympathetic to people requiring bad credit car finance. We endeavour to supply affordable car finance regardless of past credit history. Whether you’ve had CCJs, mortgage arrears, other payment defaults, if you’re self-employed or even if you have NO credit history at all, we do not consider these valid reasons for you to be refused car finance.

We can also try to help you if you are in a debt management plan or an IVA.

Credit to suit you

There could be numerous reasons why you may have been previously refused car finance, so we search for the most suitable deal from our large panel of lenders to suit your specific circumstances. We even offer help, guidance and advice on how to repair your credit rating.

Why not benefit from our no hassle service today? Once approved, our experienced finance advisors are on hand to guide you through every step of the process. And remember, in most cases, no deposit is required.

  • Simply choose a vehicle from any reputable dealer
  • Agree your monthly repayments
  • Sign the relevant paperwork
  • Collect your vehicle and enjoy!

To help protect you, we also offer optional warranties and GAP insurance. These are great products that we offer at competitive prices, so if you’re interested please ask your finance advisor.

Bad credit car finance specialists

Our customers who have been refused credit elsewhere will find that this may not always be an obstacle for Carfinance247. We won’t let financial problems in your past get in the way of you securing car finance with bad credit. Our advisors are friendly and approachable, and we understand that everybody’s credit rating is different. Rates offered are dependent upon your credit score.

Genuine understanding

We know how easy it is to become downcast when you’ve been refused car finance due to bad credit. Often this situation occurs through no fault of your own. You may be self-employed and so have no proof of income, or you may have no credit history at all. Often you may have simply been a little bit late paying bills.

At Carfinance247, we can overcome these so-called problems and help find you a great deal.

Representative 25.8% APR



Car loans: 5 tips to get the best deal #loan #deferment


#best auto loan rates
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5 tips to get the best deal on a car loan

Mon, 15 Sep ’14 | 11:00 AM ET CNBC.com

More Americans are struggling to make their car payments on time. The numbers, while still low, are definitely on the rise.

According to the latest State of the Automotive Finance Market report from Experian Automotive:

“The rosy glow of perfect payment performance in the automotive space is beginning to tarnish,” said Melinda Zabritski, senior director of auto finance at Experian Automotive.

Bariscan Celik | Getty Images

The increase in payment problems was expected as the number of loans to subprime borrowers has grown since the Great Recession, Zabritski said.

Her advice to car buyers is simple: “When you buy a car, make sure it’s something you can afford, something that truly meets your budget. That way you won’t end up as one of these delinquency statistics.”

To get the best loan deal, you need to do your homework. Here are five things you should do:

1. Check your credit reports.

Get a report from each of the three major credit reporting agencies: Experian, Equifax and TransUnion. Use the website annualcreditreport.com, which was set up by the federal government for this purpose.

“You want to check all three because you don’t know which one the lender will use and you want to give yourself time to fix any mistakes,” said Gerri Detweiler, director of consumer education for Credit.com. “I found a mistake when I went to buy a car a few years ago, and if I hadn’t straightened it out, it would have cost me a lot of money.”

Detweiler suggests that you also check your credit score. The interest rates you’ll be offered—if you can get a loan at all—will be based on your score.

You can get your credit score for free from a number of sites, such as Credit.com, CreditKarma and CreditSesame. Some credit card issuers also provide it. This will not be the exact same score the lender uses, but it will give you a good idea of where you stand.

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2. Shop around for the best rate.

You shop around to get a good deal on your new vehicle, so why wouldn’t you shop around for the loan to pay for it? Most people don’t. They go to the dealer without doing any homework.

“That just means you have a target painted on your back,” said Liz Weston, personal finance columnist and author of the book, “Deal with Your Debt.” “Bad things are going to happen to you when you haven’t done your research and you don’t have your loan lined up before you start shopping for a car.”

Eight out of 10 car buyers finance at the dealership, according to the nonprofit Center for Responsible Lending. Maybe it’s the convenience or the lure of ads that offer incredibly low-interest rates. Just remember, those super-low rates are only for customers with excellent credit scores.

Credit unions and community banks are the best place to start. They typically offer the best rates on car loans.

Read More Some fear auto industry returning to bad habits

“A lot of people just assume they’re getting the best rate and terms from the dealer, and that’s the last assumption you should make,” Weston said. “You can apply for that loan, have it all set up, and then pull the plug at the last minute, if the dealer’s offer is better.”

3. Choose the shortest loan you can afford.

As cars have become more expensive, car loans have gotten longer. You can now finance that new set of wheels for seven, eight or possibly nine years. The longer term reduces the monthly payment, but it will also drive up your total cost.

“You definitely pay more in the long run because these long loans typically have high-interest rates,” cautioned Mike Quincy with Consumer Reports Autos. “Try to limit your car loan to about 48 months. That’s the optimal amount of time you should pay for your car.”

Yes, that means a higher monthly payment, but you’ll get out of debt faster.

The Federal Trade Commission has a worksheet that helps you compare financing offers with different terms.