Loan Basics

There is more than one type of loan. Depending upon your situation, you might find that what works in one circumstance does not work in another. This means that it is very important for you to educate yourself about different kinds of loans so that you are more prepared when you speak with a lending officer, or with a financial counselor. It is especially important that you understand what the different sorts of loans entail so that you are not pushed into making a wrong decision by a lender that is more interested in a percentage rather than your financial well being.

Understanding the difference between a secured loan and an unsecured loan.

At their very basic, loans come in two kinds: secured and unsecured. Whether you are looking into business loans or personal loans, they will either be secured or unsecured. Credit cards, which are basically consumer loans, are also denoted with these names. However, you will find that most credit cards are unsecured, unless they have a very high limit.

A secured personal loan is one that requires a form of collateral. Collateral is something of value that the lender can possess if you fail to meet your obligations. A home loan is a secured loan. If you default, then the lender can take your home to cover its costs. Auto loans and car title loans are other examples of this. It is also possible, for smaller loans, to offer valuable jewelry or electronic equipment as proof that you will pay back the money you borrow. However, it needs to be something that the lender feels it can use to recover its loss should you default. If you are seeking a bad credit loan, more than likely you will have to put forth some collateral. When you have less than favorable credit, you are immediately seen as a higher risk, and therefore must offer something to justify the risk the lender acquires in allowing you to borrow money.

Unsecured loans are the opposite. They require no collateral. As mentioned previously, credit cards are a form unsecured loans. Many banks offer small signature loans. These are usually loans of between $500 and $3,000. Most unsecured debt comes in smaller amounts. This is because if you stop making payments, the lender loses what you have been lent. They can turn you over to collections, and can call demanding payment, but, ultimately, if you have no money and cannot pay, the lender loses out. However, the cost to you is also great. Your credit is effectively destroyed, making it next to impossible for you to get a mortgage in the future. It can even hamper your chances of receiving approval for an auto loan or a credit card.

Any loans you take out, whether they are secured or unsecured, are reflected in your credit report. It is important to establish a pattern of responsibility fulfilling your obligations in full, and in a timely manner.

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This article is courtesy of http://www.4a-loan.co.uk

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/porter-bancorp-inc-announces-continued/story.aspx%3Fguid%3D%257B6003C30B-C6E8-4BB3-A138-4AF47CC2CD09%257D%26dist%3Dhpprcid=1258131367ei=1WH2SNPWDqjs6gPsmYCPCQusg=AFQjCNHnGDxD96L_HqP1nigz77UPRNHkJwPorter Bancorp, Inc. Announces Continued Growth in Third Quarter b.../b/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr1 hour ago/nobr/fontbrfont size=-1The Company also reported a 24.9% increase in bloans/b to $1.3 billion and a 21.5% increase in deposits to $1.3 billion compared with the third quarter of 2007 b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://uk.sys-con.com/node/710487cid=1258131367ei=1WH2SNPWDqjs6gPsmYCPCQusg=AFQjCNGGxhNWxo1AT20Gn-d0eyA1E9ndHAAlliance Financial Announces Record Third Quarter Earnings/a font size=-1 color=#6f6f6fnobrSYS-CON Media/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://sev.prnewswire.com/banking-financial-services/20081015/NY3907615102008-1.htmlcid=1258131367ei=1WH2SNPWDqjs6gPsmYCPCQusg=AFQjCNEEH4mN_PrtdJKHODG_tqAQzR5OAgHudson City Bancorp, Inc. Reports Record Quarterly Earnings of b.../b/a font size=-1 color=#6f6f6fnobrPR Newswire (press release)/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://newsticker.welt.de/index.php%3Fchannel%3Dfin%26module%3Dsmarthouse%26id%3D793760cid=1258131367ei=1WH2SNPWDqjs6gPsmYCPCQusg=AFQjCNH754x4pAJE4jdIQyQI3ECoKl0WPARiver Valley Bancorp Announces 20+% Improvement in Earnings for b.../b/a font size=-1 color=#6f6f6fnobrWELT ONLINE/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/indiana-community-bancorp-announces-third/story.aspx%3Fguid%3D%257BE029E3F3-EAC7-4D85-BED0-D176BFC44222%257D%26dist%3Dhpprcid=1258131367ei=1WH2SNPWDqjs6gPsmYCPCQusg=AFQjCNEz4XH_G39i-5RULl-SGZWVnvyLownobrMarketWatch/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1258131367hl=ennobrall 33 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.msnbc.msn.com/id/27198870/cid=1258201722ei=1WH2SNPWDqjs6gPsmYCPCQusg=AFQjCNGxV3iRpAdE9z_V6AsxZbteXaXn5gHelp on bloans/b, budgets, investments, more/abrfont size=-1font color=#6f6f6fMSNBCnbsp;-/font nobr4 hours ago/nobr/fontbrfont size=-1Q: My son just graduated with his masters and now owes tens of thousands of dollars in government student bloans/b. Should he consolidate these bloans/b? b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/ousiv/idUSTRE49E96820081015cid=1258239109ei=1WH2SNPWDqjs6gPsmYCPCQusg=AFQjCNEfgz76DrzQ43wWmdJB7OofhBlLKwimg src=http://news.google.com/news?imgefp=mY4370ovW9UJimgurl=www.reuters.com/resources/r/%3Fm%3D02%26d%3D20081015%26t%3D2%26i%3D6397180%26w%3D192%26r%3D2008-10-15T194837Z_01_BTRE49E1J1700_RTROPTP_0_BUSINESSPRO-US-CITIGROUP-RESEARCH width=80 height=54 alt= border=1brfont size=-2Reuters/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/rbssEnergyNews/idUSLF4857120081015cid=1258239109ei=1WH2SNPWDqjs6gPsmYCPCQusg=AFQjCNEL7Ybygkh7wsaoU68IIUoNGwlCVARussia power firms seek state bloans/b to fund capex/abrfont size=-1font color=#6f6f6fReutersnbsp;-/font nobr8 hours ago/nobr/fontbrfont size=-1MOSCOW, Oct 15 (Reuters) - Russian electricity companies are appealing to the government for cheap bloans/b as the credit crisis pushes lending rates to 25-30 b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/marketsNews/idUSN1534124820081015cid=1258239109ei=1WH2SNPWDqjs6gPsmYCPCQusg=AFQjCNFRzt52ykwhSAqbMJg99T1JI0fuTwUPDATE 1-Feds investigate Washington Mutual failure/a font size=-1 color=#6f6f6fnobrReuters/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/marketsNews/idUSN1347380620081013cid=1258239109ei=1WH2SNPWDqjs6gPsmYCPCQusg=AFQjCNFhaSIPLtddmtGFPH8G_o6p092rcgMexico#39;s banks#39; credit outlook could worsen-Moody#39;s/a font size=-1 color=#6f6f6fnobrReuters/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1258239109hl=ennobrall 843 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://ap.google.com/article/ALeqM5hZS7w8aP5H6XFC-ZMBJ7vEYvnc7QD93QV8E80cid=1258078993ei=1WH2SNPWDqjs6gPsmYCPCQusg=AFQjCNFSwnplX60pYcWjHOJfpxywF561Mgimg src=http://news.google.com/news?imgefp=PmFvevHr_2IJimgurl=ap.google.com/media/ALeqM5hKUfgQNxovcj3Bmv91XnrpUl6szg width=80 height=53 alt= border=1brfont size=-2The Associated Press/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bizjournals.com/louisville/stories/2008/10/13/daily29.htmlcid=1258078993ei=1WH2SNPWDqjs6gPsmYCPCQusg=AFQjCNH3UjpyTdQZRB_gss0PrNODm9ZKLABad bloans/b drag down Chase in 3Q/abrfont size=-1font color=#6f6f6fBizjournals.com,nbsp;NCnbsp;-/font nobr3 hours ago/nobr/fontbrfont size=-1The latest results include $1.2 billion in bloan/b loss reserves and a $581 million gain connected with its acquisition of Washington Mutual’s banking b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.usnews.com/blogs/the-home-front/2008/10/15/jpmorgan-earnings-down-credit-costs-way-up.htmlcid=1258078993ei=1WH2SNPWDqjs6gPsmYCPCQusg=AFQjCNEIpM6_821PI6hguYKAEsyqYYXhVgJPMorgan: Earnings Down, Credit Costs Way Up/a font size=-1 color=#6f6f6fnobrU.S. News World Report/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601103%26sid%3DaOCReVsxGMsY%26refer%3Duscid=1258078993ei=1WH2SNPWDqjs6gPsmYCPCQusg=AFQjCNE3a5HGOcck-Rbos7ZaU07ivQxFPgJPMorgan#39;s Dimon Plans for More bLoan/b Losses as Economy Weakens/a font size=-1 color=#6f6f6fnobrBloomberg/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.timesgazette.com/main.asp%3FSectionID%3D1%26SubSectionID%3D1%26ArticleID%3D157960%26TM%3D34135.61cid=1258078993ei=1WH2SNPWDqjs6gPsmYCPCQusg=AFQjCNEgOGlPATQqeUMjIIL0pBPLZPinoQWaMu can withdraw its offer/a font size=-1 color=#6f6f6fnobrHillsboro Times Gazette/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://business.theage.com.au/business/jpmorgan-profit-slumps-20081016-51pb.htmlcid=1258078993ei=1WH2SNPWDqjs6gPsmYCPCQusg=AFQjCNG7Ez3aPSa2kFLabNwvGzNMQKGhLgnobrThe Age/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.nytimes.com/2008/10/16/business/16bank.html%3Fhpcid=1258078993ei=1WH2SNPWDqjs6gPsmYCPCQusg=AFQjCNFWvhk7GWSDxRxo1bvZMtaj9XeCNAnobrNew York Times/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1258078993hl=ennobrall 400 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.javno.com/en/economy/clanak.php%3Fid%3D192764cid=1258069077ei=1WH2SNPWDqjs6gPsmYCPCQusg=AFQjCNGZ2GoJeLbDYaIcinDtdPyoigtkXQimg src=http://news.google.com/news?imgefp=C_YpfMYkVVgJimgurl=www.javno.com/slike/slike_3/r1/g2008/m10/y184889561430099.jpg width=80 height=60 alt= border=1brfont size=-2Javno.hr/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/rbssFinancialServicesAndRealEstateNews/idUSLAK00025720081015cid=1258069077ei=1WH2SNPWDqjs6gPsmYCPCQusg=AFQjCNGzrCG3BTF3aNIvmxu4vRpKHVhX4QBoE offers unlimited 7-day dollar bloans/b/abrfont size=-1font color=#6f6f6fReutersnbsp;-/font nobr14 hours ago/nobr/fontbrfont size=-1LONDON, Oct 15 (Reuters) - The Bank of England said it would offer unlimited seven-day dollar bloans/b on Wednesday in addition to its regular offer of $10 b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.forbes.com/afxnewslimited/feeds/afx/2008/10/15/afx5555897.htmlcid=1258069077ei=1WH2SNPWDqjs6gPsmYCPCQusg=AFQjCNHm5ySdR09vDz34EkBLkPIO_aZ1awBoE overnight drain falls short of target/a font size=-1 color=#6f6f6fnobrForbes/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1258069077hl=ennobrall 22 news articles/nobr/a/font/div/font/td/tr/table
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