Prepayment Articles

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Pre-Paying Your Mortgage: Benefits And Drawbacks
House payments can take up a large portion of your paycheck, and paying even more toward your mortgage every month may seem like an overwhelming idea. What you may not realize, however, is that paying a little more can save you thousands of dollars over the life of the loan.Before you put all of your extra money toward your house, consider the following to make sure it is best for your financial situation:BenefitsPrepaying on your mortgage can save you tens of thousands of dollars. If you have a loan of $100,000 at 8% interest for 30 years, you will pay $264,240 in interest. That...

The golden rules to follow when availing a home loan
Availing a home loan in this day and age is as easy as running into a founder of a start-up in Bangalore. However, like most start-ups, many home loans cause financial hardship because the borrower hasn’t done his/her homework before availing one, or because he/she hasn’t managed finances after availing the loan. The last thing you want is to damage your standard of living by spending a large part of your income on the housing loan. Mentioned below are a few rules to follow during a mortgage.Research – In spite of the technological advancements in banking, not many peop...

Difference between Personal Loans and Credit Card Loans
Difference between Personal Loans and Credit Card LoansDifference between Personal Loans and Credit Card LoansSo, what’s your plan of action, when you need urgent cash to meet your emergency needs and demands? Considering, there’s no one to help you out and you are left alone on your own, what is the first step, which you take to ease out the cash need for your emergency financial crisis? Are they, the Credit Cards or the Personal Loans? So, the question arises! Personal loans or the Credit Card Loans? If you are in dilemma, over the choice among them, you just need to look...

Bad Credit Home Financing - Choosing A Subprime Mortgage Lender
In the early nineties subprime mortgages accounted for about five percent of all mortgages. Today the subprime mortgage loan sector comprises more than twenty percent of the mortgage market. With this explosion of subprime mortgage lenders and brokers, it is important to know what to look for when choosing your lender. Not only do you want to be sure that you are getting the best deal possible for your subprime mortgage, you also want to know how to avoid falling prey to a predatory lender.What makes a person a candidate for a subprime mortgage? Bad credit is the predominant reason but there...

HOME LOAN SIMPLIFIED.
What is CIBIL? :  CIBIL (Credit Information Bureau of India Limited) founded in August 2000 keeps a credit score (called as Transunion Score) of all the people opting for any type of loan from any financial institution. CIBIL collects and maintains records of an individual’s payments pertaining to loans and credit cards. These records are submitted to CIBIL by banks and other lenders on a monthly basis. This information is then used to create Credit Information Reports (CIRs) and credit scores which are provided to lenders in order to help evaluate and approve loan applications. C...

Top Home Loan Repayment Options
 Top Home Loan Repayment OptionsTop Home Loan Repayment OptionsBuying a home is not an easy process, especially when it involves lots of things to look at. Any buying of a home involves taking a deep research for the property, its legality and various factors related to the property. You must look towards the location of the property, along with the convenience which comes with the property, need to check the environment of the property and have to go through a tedious process of the home inspection to make sure that you are buying a good property, which dese...

Mortgage Shopping: Six Questions You Need To Ask
Obtaining a new mortgage has become increasingly difficult in recent months. Whether you're trying to purchase a new property or refinance your existing home, loan requirements have become stricter in the face of declining home values, falling buyer demand, and financial market concerns.Keeping on top of the ever-changing mortgage market can be difficult. So educating yourself is critical. Most people shop around to find the best deal on a home loan. But for many the process is of limited use because they don't know what to ask. Before embarking down the path to a new mortgage, take the time...

Prepaid funeral plans Southampton and its benefits
No matter how healthy someone's lifestyle is, there will come a day when they will leave for their heavenly abode. There is no two way to this fact. A death means a lot of things that are not limited to just a funeral service. And because there are so many formalities to be completed after someone's death, there are associated expenses to be taken care of too. These expenses could become a burden for the family. And because there are a lot of emotions associated with a death, every family wants to say the final goodbye in the best possible manner. One easy solution here is the prepayment of fu...

Mortgage Calculator Helps You Find The Right Mortgage
Your dream house may not be everyone else's idea of "Home, Sweet Home," but it's going to be all yours.Now if you can just figure out how to finance that bit of real estate. Not wanting to leave any stone unturned, you're on this site to get some background for your decision.One kind of mortgage calculator ("how much house can I afford" type) takes a look at your budget and, with your input, works out how much you can afford to pay, either monthly or annually. Some are not comprehensive enough to take into account taxes, insurance and the increased costs of homeownership.It's worth your ...

Tips for Selecting Housing Finance Company
It is often said that buying a dream home requires huge expenditure for most of the investors. Some people spend a long period of time, garnering their savings to fulfill this dream, while others opt to take a loan (credit) to fulfill this dream. Having done your self-assessment about the repayment capacity, location of your dream home, amenities and other fancies that you would like your dream home to have. It's time for some serious exercise of selecting your HFC. Selecting housing finance companies requires extreme care and proper consideration, and therefore following the...

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