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[ May 17, 2006 at 9:03 pm ]

Generally it is believed that doing a noble job with a reasonable salary makes a happy life. Alright, I also agree with this. But you may be surprised to know that nearly 80% of the people who earn their living by doing some or the other work are not job holders. Believe it or not, majority of them are engaged in business.
This is because a career in business has a lot of advantages which can allure anybody to start a business of their own. Even those people who are already the owner of a flourished business always look for its proliferation. But to start a business or to make your business more profitable you need fund which you may not be able to accumulate.
Such people can look for a business loan to reach the goal they aim at. Business loans are available in various forms. Since the way of a …

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[ May 17, 2006 at 9:02 pm ]

Getting a loan with a low rate is the dream of every borrower. After all the price of a loan is its interest and everybody wants to pay the lowest possible price of the thing he buys. So the borrower wants the interest to be as low as possible. For such borrowers there are loans in the market with low rate of interest bearing the name Cheap Loan.
Cheap loans are generally offered against collateral. If you offer collateral for your loan it will lessen the risk of the lender. This is because in case of failure or default from your end he will have chance to use the collateral to recover his money. So he does not hesitate to offer loan with low interest.
In addition to low interest rate a Cheap Loan will provide you with small monthly payment. You can take and use a cheap loan according to your …

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[ May 17, 2006 at 9:02 pm ]

Fast, easy and confidential are said to be the middle name of payday advance loans. You must have come across this word either on radio or television or even in the newspapers as they are becoming the real rage in the town. Payday advance loans are the short term loans having sky-high interest rates. In this either you sign the document against that taken cash or you fill in the electronic form before taking up the actual cash.
That signed form contains the agreement stating the time and amount you are going to pay once the due date is over. Being the fast and ready cash they generally come with very high interest rate which can sometime feel like a big tower mounted on your head. These loans are usually for one to four weeks and carry the high interest rate for that period.
It has been seen that the lenders never …

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[ May 17, 2006 at 9:02 pm ]

Cash advances are popularly known as payday loans and are the kind of short term loans ranging from $500 to $1500 that you have to pay back the very next day. It is the kind of emergency loan, which you take without waiting for the next payday. Earlier people were used to approach the local store offering cash advance loans but now this habit of them has been changed. As now instead of going to local store they simply go to Internet and get the ready and fast cash advance loans. Fast and discreet payment makes online cash advance loans more popular as in this you just have to fill in the application form and money will be deposited to your account electronically. The usual time taken during the online transaction is only 24 hours, which makes it more reliable and faster way of getting cash advance loan.
With the advent …

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[ May 17, 2006 at 9:01 pm ]

With the changing times and trends now everyone wants to live a happy and comfortable life. But due to lack of financial resources majority of the populace failed to do so. This is when bank loans come into picture. All the national and multinational banks offer bank loans and that too at a very competitive interest rates. It has been seen that loan offered by banks generally depend upon the policies of the banks. It means every bank have its own policy, terms and conditions while assigning the bank loan. Apart from policies interest rate and amount of the loan is entirely dependent upon the banks sole discretion. It means it is the bank that decides whether to give you the loan you applied for.
Many people avail the bank loans either for constructing home, buying a car, for the higher education of their ward or even for some personal purposes. …

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[ May 17, 2006 at 9:01 pm ]

A loan, which is specifically taken for buying a new car or auto, is known auto loans. Majority of the banks offer best auto loans and makes your get your dream car or auto. It has been seen that the amount you want to avail is entirely depend upon the bank you choose. As different banks have different policies. Nowadays nobody wants to travel in buses, cabs and even metros that’s why they look for an easy auto loan so that they can get the best auto and take one step on the way to comfort. Before assigning you the auto loan bank completely delves into your income, your credit rating and past dealings with the bank. But it is wise to shop around and do extensive market research before choosing the bank for your auto loan.
Auto loan period generally depends upon type or category of auto loan you choose …

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[ May 17, 2006 at 9:00 pm ]

A loan borrowed against a document signed to the lender or by using your credit card is known an advance loans. In this the borrower borrows the money from the lender against the signed document, which states the actual time and amount he is going to repay to the lender at the fixed time. The borrowed loan is usually against the higher rate of interest, which sometime proves to be very dangerous for your financial stature. It is said that these advance loans give a dealt blow to the finances, as they have to pay higher amount in comparison to the borrowed money. Nowadays you can get the advance loan approved in no time as now you can find various online advance loans offering websites. Usual time offered for the advance loans generally run from two to three weeks depending upon the borrowed amount and the lender’s policies.
They are mainly …

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[ May 17, 2006 at 9:00 pm ]

You may possess all those things which make others feel jealous of you. Yet you may feel that you have nothing to boast of because you do not have a car? Yes, such is the importance of a car in your life. Without it life appears to be incomplete.
But after making payments for the bills of various day-to-day expenditures you cannot accumulate enough money to buy a car. So you may regret that your dream of having a car of your own will never be realised. Then why not you take a Personal Car Loan. Let us see what are the benefits you may avail through a personal car loan.
A personal car loan will definitely enable you to buy a car of your choice. At the same time it will provide you with some other facilities also. A personal car loan can be used for some other personal needs. To …

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[ May 17, 2006 at 8:59 pm ]

Standing in a world full of cars, all colourful and cute don’t you ever think of having one for yourself? Definitely you feel the necessity of a car of your own, and as I guess, you feel it badly. Then what prevents you from buying one? Is it the fund? If ‘yes’ then let’s avail it without any fuss.
Getting fund for a car is no more a tough task. I am not talking about car dealers, they will charge a high interest and there will be no end to the hidden charges. I am talking about Car Loans, the best way to own the car of your choice. Among a variety of car loans in the market you can choose the one which meets your requirements in the best manner.
You can take a car loan to buy a new car or an old car. Car loans can be secured or …

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[ May 17, 2006 at 8:59 pm ]

The best aspect of payday cash loans is that they are easily applied for and received. Whether you go to a local business that offers cash loans or look online, the application and approval process can take as little as a few minutes. When you go online, you have a wide variety of choices and have the ability to apply for several different types of cash loans.
Many people are taking advantage of the ease and convenience of payday cash loans. Most payday cash loans can be received within 24 hours, with many being available in just a few minutes! If you hold a job and can pay back the cash loans quickly, there is not even that much additional cost to you.
A lot of payday cash loans cost you as little as a $25 finance charge. Some cash loans can cost you more, but they usually won’t cost more than …

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[ May 17, 2006 at 8:58 pm ]

What is a Jumbo Loan or a Jumbo Mortgage
Quite simply it is a loan that does not conform to the guidelines established by Fannie Mae or Freddie Mac or exceeds the conventional loan limit is called a Jumbo mortgage loan. In most states, home loans that exceed $417,00 to $1,000,000 are considered Jumbo Mortgages. Jumbo Mortgages carry slightly higher interest rates than conventional home loans. This is because when any loan is sold to an investor it is packaged in bundles of several million dollars. For example an investor might purchase a loan bundle that is valued at 3 million dollars. In that bundle, lets say that there are 12 mortgages for $250,000.00 each. If one of those loans defaults, the default ratio would be 1 out of 12. When a jumbo loan bundle is sold, that 3 million dollar bundle may only contain 4-5 loans. In this case if …

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[ May 17, 2006 at 8:57 pm ]

A large number of Australian home owners intend to repay their mortgage off sooner than specified in the terms of their mortgage contract. This information comes from a recent survey conducted by the Mortgage Industry Association of Australia (MIAA).
What is even more surprising is that the majority of persons interviewed are confident in their ability to repay their mortgage sooner.
According to the CEO of MIAA, Mr Phil Naylor, Australian home owners are becoming more confident in taking control of their finances despite general concerns such as rising interest rates and job security.
Most respondents had said that they would pay off their mortgage sooner by making higher regular repayments as well as additional lump sum payments.
To anyone paying a mortgage, the idea of owning your home free of debt sooner is naturally very attractive.
So how can you really pay off your mortgage faster?
Should you refinance? Will extra features, such as a …

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[ May 17, 2006 at 8:56 pm ]

You know the procedure by now, you get out of bed, walk downstairs and look for what you have in your mail box, the majority of us know that its usually filled with fliers and mailings offering the next best interest rate for home loans….but we usually never even bother to go further by opening the envelope to the details inside.
But! What if on the front it said “What did you neighbors pay for their house? See inside for details..” would you be tempted? I have to put my hands up and say “Yes” I would not because I’m a nosey neighbor but I’d be curious to know what “so and so” down the street sold their house for. Well that’s the new technique you may find from now on if a company called “Donania” has anything to do with it.
Domania is now allowing lenders of home loans access to …

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[ May 17, 2006 at 8:56 pm ]

There are two primary places that you can find money to support your new home purchase, commercial banks and private lenders. Although there are a few more, these are the ones that people turn to first.
Commercial banks usually have terms put out on the table that you are either expected to accept or decline, based on how you feel about the terms offered. You simply give them your information and based on your credit history, income, expenses, long term debt, and the amount of money needed to purchase the house, they deliver terms based on the bank’s requirements and the current interest rate.
There is some room for negotiation, and you have choices based on the type of interest rate, whether it be adjustable or fixed, the length of the term, and how much you can afford every month. However, for the most part, it is a one-way deal where they …

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[ May 17, 2006 at 8:55 pm ]

The mortgage world as we know it has a tradition of lending out loans that you pay once a month. It is based on a certain time period, or length of a loan. The thought of paying a mortgage payment twice a month seems to be overwhelming and just too much money for most home owners.
But its not! With a bi-monthly mortgage, you take what would be your single monthly payment and divide it in two. You then pay this payment every two weeks.
What happens is with every month having a few days over 28, you end up paying about 2 extra payments every year. Great, you’re thinking, a whole whopping two payments a year. But this can make a huge difference in the long run!
What happens is that your extra payments go towards the principal. So not only do you pay your mortgage off more quickly, but you also …