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Simple Tips On Getting Your Loan

Simple Tips On Getting Your Loan

So, you want to get a loan?

Here are some simple tips that will help you make an informed decision about what kind to get, and who to get it from.

First ask yourself: do you really need it?

Can you manage without it? Is it for something frivolous, like a holiday? Could you get the money by other means: part-time job, from a relative, the sale an asset?

Don't put a monkey on your back if you can avoid it.

A loan varies according to:

The amount borrowed;

The interest rate;

The type of rate (fixed or variable);

The term (repayment time in months or years);

Deposit (downpayment);

Associated fees (broker, origination, prepayment etc.);

Insurance required by the lender.

You are buying money for more than it cost the lender. Simple.

It's a mistake to only care about the interest rate; there are also arrangement fees and prepayment penalties to consider. Many 'no fee' credit lines have a pre-payment penalty. This is how brokers and lenders make their money. Work out the total cost of your loan before committing.

To ensure you get the best terms, keep your credit-line as small as possible. Loan officers tend to count the total line of credit available as a liability.

Pay off small debts before the due date. Cancel credit cards you are not using. Consider their interest rates and fees, when deciding which cards to keep.

If your spending is out of control, don't put your home at risk by getting a home equity credit line to pay off your credit-card debts.

Shop for rates when the market is calm. Rates change from day to day, so compare lenders. The quotes you get should all be from the same time period.

Submit a neat application form; it shows you're business-like and efficient. It will be read and assessed by a human being; appearances count.

Only pay up-front fees to well-known institutions, or ones highly recommended by trusted sources.

Don't sign documents without reading them. As soon as possible, before you close the deal, review the documents you'll be signing, and make sure you understand them, so you won't have to sign them in a hurry.

Keep a copy of every cheque you write for your loan. If you call your lender about your loan, make sure you get the full name of the person with whom you speak. Make a note of it. You may be dealing with a large bureaucracy, and will need to refer to this conversation later.

If you find yourself in a dispute with a lender, don't send correspondence to the same address you send your payment. You need to deal with the decision-makers, not the account clerks.

About the author: T. O' Donnell (http://www.tigertom.com/personal-loans-uk.sht ml) offers personal loans, advice, an ebook and a loan calculator, in London, UK.

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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/idUSTRE4AD4RF20081114cid=1270323704ei=4rgpSaiBKKbU6gPI0IDvCgusg=AFQjCNH0GyCXZUg8GexciRTPa-ACUhIszgimg src=http://news.google.com/news?imgefp=swZOa-I1cYgJimgurl=www.reuters.com/resources/r/%3Fm%3D02%26d%3D20081114%26t%3D2%26i%3D6815563%26w%3D192%26r%3D2008-11-14T163423Z_01_BTRE4AD1A1H00_RTROPTP_0_USA-HOUSING-CONGRESS-BAIR 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://online.wsj.com/article/SB122714443107243141.html%3Fmod%3Dgooglenews_wsjcid=1270323704ei=4rgpSaiBKKbU6gPI0IDvCgusg=AFQjCNF2LIfaJ5iKehOfVK_FgIpZNmr0-wNew Tack in Default Battle: Cutting Mortgage Principal/abrfont size=-1font color=#6f6f6fWall Street Journalnbsp;-/font nobrNov 19, 2008/nobr/fontbrfont size=-1That is 23% of all the bloans/b modified by Ocwen so far this year. On average, such borrowers saw their bloan/b payments drop by 20% to 40%, typically by b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://money.cnn.com/news/newsfeeds/articles/djf500/200811181400DOWJONESDJONLINE000588_FORTUNE5.htmcid=1270323704ei=4rgpSaiBKKbU6gPI0IDvCgusg=AFQjCNE3YcE9lEPYCxljEISW3Yeg2N82AQbLoan/b Modifications For Banks Could Mask Future Losses/a font size=-1 color=#6f6f6fnobrCNNMoney.com/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/modified-mortgages-often-default-later/story.aspx%3Fguid%3D%257BD8172601-FCE0-4F1B-A67E-1F5820FE5721%257D%26dist%3Dmsr_17cid=1270323704ei=4rgpSaiBKKbU6gPI0IDvCgusg=AFQjCNEZcynScluP3_8k-AqxMvL9lOxiwgCORRECT: Modified mortgages often re-default/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/ousiv/idUSTRE4AD4RF20081114cid=1270323704ei=4rgpSaiBKKbU6gPI0IDvCgusg=AFQjCNH0GyCXZUg8GexciRTPa-ACUhIszgFDIC lays out broad home bloan/b modification plan/a font size=-1 color=#6f6f6fnobrReuters/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://finchannel.com/index.php%3Foption%3Dcom_content%26task%3Dview%26id%3D24830%26Itemid%3D16cid=1270323704ei=4rgpSaiBKKbU6gPI0IDvCgusg=AFQjCNGuOEjECUUtzxlqeEvQFkr3TY9xIwnobrThe FINANCIAL/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.google.com/hostednews/ap/article/ALeqM5hxq4e3aLVh4GBPBQS2dfHZn_HvtgD94HDO3O3cid=1270323704ei=4rgpSaiBKKbU6gPI0IDvCgusg=AFQjCNFRyS4HtmK6NAdK5a4AzCW71R6_wQnobrThe Associated Press/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=1270323704hl=ennobrall 982 news articles/nobr/a/font/div/font/td/tr/table

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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.canada.com/topics/news/world/story.html%3Fid%3Dd7ad48d4-8789-437d-9ee2-022bf0a5a7d5cid=1273618955ei=4rgpSaiBKKbU6gPI0IDvCgusg=AFQjCNFdviBM44PTUc2AQ5h5yYS94tlUdgimg src=http://news.google.com/news?imgefp=b2_WHVKjDYsJimgurl=a123.g.akamai.net/f/123/12465/1d/media.canada.com/idl/ntnp/20081122/ntnp_20081122_fp005_motorcityseeksa_95372_mi0001.jpg%3Fsize%3Dl width=80 height=80 alt= border=1brfont size=-2Canada.com/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.voanews.com/specialenglish/2008-11-20-voa4.cfmcid=1273618955ei=4rgpSaiBKKbU6gPI0IDvCgusg=AFQjCNHHH-4XtXBBYbuIL616im13kx3KGACongress Delays Action on Auto Industry bLoans/b/abrfont size=-1font color=#6f6f6fVoice of Americanbsp;-/font nobrNov 21, 2008/nobr/fontbrfont size=-1The chiefs of General Motors, Ford and Chrysler asked for twenty-five billion dollars in new bloans/b. Congress already approved twenty-five billion in b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/ousiv/idUSTRE4AI13H20081119cid=1273618955ei=4rgpSaiBKKbU6gPI0IDvCgusg=AFQjCNGLihcFFRqeX_j_fUS7OehMVTqF1gFord says could wait on US bloans/b until 2009/a font size=-1 color=#6f6f6fnobrReuters/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.freep.com/article/20081119/OPINION05/811190346/1068/OPINIONcid=1273618955ei=4rgpSaiBKKbU6gPI0IDvCgusg=AFQjCNFcURrUJO27rrTMnSghw4b_IRCTmgbLoans/b to automakers make the only good deal for US/a font size=-1 color=#6f6f6fnobrDetroit Free Press/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.nashuatelegraph.com/apps/pbcs.dll/article%3FAID%3D/20081123/OPINION02/311239928/-1/OPINION04cid=1273618955ei=4rgpSaiBKKbU6gPI0IDvCgusg=AFQjCNHTzb2ck0CPTRUzZ_DconqR_ZNJ4wCongress can#39;t afford not to help Big Three/a font size=-1 color=#6f6f6fnobrNashua Telegraph/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.lansingstatejournal.com/article/20081123/OPINION01/811230556/1086/OPINION01cid=1273618955ei=4rgpSaiBKKbU6gPI0IDvCgusg=AFQjCNGNJeeSmbdDDag46vIWprGIOeCUagnobrLansing State Journal/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.theleafchronicle.com/article/20081119/OPINION01/811190303cid=1273618955ei=4rgpSaiBKKbU6gPI0IDvCgusg=AFQjCNF9dacOzawBbfWxuUrX3ppW4xIbignobrClarksville Leaf Chronicle/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=1273618955hl=ennobrall 1,889 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://business.theage.com.au/business/wall-street-dumps-workers-at-rapid-rate-20081118-6af9.htmlcid=1273579195ei=4rgpSaiBKKbU6gPI0IDvCgusg=AFQjCNFvb-J_KguTgHnullok_6vrQheZfwimg src=http://news.google.com/news?imgefp=GZE7fjegMwYJimgurl=images.theage.com.au/2008/11/18/293503/svCITIGROUP-470x0.jpg width=80 height=53 alt= border=1brfont size=-2The Age/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.nytimes.com/2008/11/22/business/22bank.html%3Femcid=1273579195ei=4rgpSaiBKKbU6gPI0IDvCgusg=AFQjCNF3mjssfkR4KA2U8YMhfc76ZBhZYQWoes at Citigroup Began With Failed Bid for Wachovia/abrfont size=-1font color=#6f6f6fNew York Times,nbsp;United Statesnbsp;-/font nobrNov 22, 2008/nobr/fontbrfont size=-1Then, on Tuesday, a report about imminent defaults on two large commercial mortgages sent the price of bonds backed by those bloans/b tumbling. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.youtube.com/watch%3Fv%3DMgEK9hUYlI4cid=1273579195ei=4rgpSaiBKKbU6gPI0IDvCgusg=AFQjCNFL_8FDJWCRQW8XeFDcCAxgioiQLQVideo: Citigroup to Cut Costs and 53,000 Jobs/a font size=-1 color=#6f6f6fnobrAssociatedPress/nobr/fontobject width=448 height=356param name=movie value=http://www.youtube.com/v/MgEK9hUYlI4/paramparam name=wmode value=transparent/paramembed src=http://www.youtube.com/v/MgEK9hUYlI4type=application/x-shockwave-flashwmode=transparentwidth=448height=356/embed/objectbr/fontfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601087%26sid%3DacxKsnU5HOAI%26refer%3Dhomecid=1273579195ei=4rgpSaiBKKbU6gPI0IDvCgusg=AFQjCNGrlfDOI0oIUz8nwuMOSZOOntk6PQCitigroup May End Up With US Government Rescue (Update1)/a font size=-1 color=#6f6f6fnobrBloomberg/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.iht.com/articles/2008/11/21/business/finance.phpcid=1273579195ei=4rgpSaiBKKbU6gPI0IDvCgusg=AFQjCNEDj7dwsZf-ETUAESbQxnxEAtBmegCitigroup tries to halt plunge in share price/a font size=-1 color=#6f6f6fnobrInternational Herald Tribune/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.time.com/time/business/article/0,8599,1861332,00.html%3Fiid%3Dtsmodulecid=1273579195ei=4rgpSaiBKKbU6gPI0IDvCgusg=AFQjCNHKpdzuqFiXWGRSSGtHebsRflqFJwnobrTIME/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://online.wsj.com/article/SB122729058665748333.htmlcid=1273579195ei=4rgpSaiBKKbU6gPI0IDvCgusg=AFQjCNHflZ6UsY81wSzV1TaMKaBtdfNz4wnobrWall Street Journal Blogs/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=1273579195hl=ennobrall 1,667 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.latimes.com/business/investing/la-fi-banks22-2008nov22,0,3887469.storycid=1273004320ei=4rgpSaiBKKbU6gPI0IDvCgusg=AFQjCNEa42xEXbdW9yXTBZGXS678c41zoQimg src=http://news.google.com/news?imgefp=HFloPpWkgaoJimgurl=www.latimes.com/media/photo/2008-11/43535151.jpg width=80 height=52 alt= border=1brfont size=-2Los Angeles Times/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.contracostatimes.com/california/ci_11054118cid=1273004320ei=4rgpSaiBKKbU6gPI0IDvCgusg=AFQjCNEPi2KzoYjP7h20moCfzI40s7uccAPFF now US Bank/abrfont size=-1font color=#6f6f6fContra Costa Times,nbsp;CAnbsp;-/font nobr12 hours ago/nobr/fontbrfont size=-1US Bank will modify the terms of certain mortgage bloans/b in accordance with the FDIC Mortgage bLoan/b Modification Program. Between Downey Savings and PFF Bank b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.dailypilot.com/articles/2008/11/22/topstory/dpt-downey112308.txtcid=1273004320ei=4rgpSaiBKKbU6gPI0IDvCgusg=AFQjCNFVUwdrmDQTTb_9ruVWh78Jg1xKrg• Downey closes due to losses/a font size=-1 color=#6f6f6fnobrDaily Pilot/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.latimes.com/business/la-fi-downey21-2008nov21,0,7721667.storycid=1273004320ei=4rgpSaiBKKbU6gPI0IDvCgusg=AFQjCNGD0177G3FTgTfyqqQo02b4zVAO-ADowney Financial could be next bank casualty/a font size=-1 color=#6f6f6fnobrLos Angeles Times/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.washingtonpost.com/wp-dyn/content/article/2008/11/21/AR2008112104099.htmlcid=1273004320ei=4rgpSaiBKKbU6gPI0IDvCgusg=AFQjCNFDrdZHe18HgKnfwrTTZTHiKLQd_QFDIC Seizes Three Banks, Expanding bLoan/b-Relief Effort/a font size=-1 color=#6f6f6fnobrWashington Post/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.forbes.com/feeds/ap/2008/11/22/ap5729925.htmlcid=1273004320ei=4rgpSaiBKKbU6gPI0IDvCgusg=AFQjCNFvTWH6-jTcEEOFG8V85KG6ee3u5AnobrForbes/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601103%26sid%3DaAyVj8SZ7Y0I%26refer%3Dnewscid=1273004320ei=4rgpSaiBKKbU6gPI0IDvCgusg=AFQjCNGE1dquoZ50kX560zVL6-mtouFUcQnobrBloomberg/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=1273004320hl=ennobrall 825 news articles/nobr/a/font/div/font/td/tr/table

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