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Buying Houses For Sale By Owner
Houses for sale by owner, also known as "FSBOs," are a unique case in real estate investment. Buying from an uninformed seller who thought he knew enough to handle everything by himself can be frustrating. It can also be very profitable if you are...
Debt Management
Debt management. To be sure, the phrase has been in use for some time now and the Federal Trade Commission reports that there is a fast growing area of complaint involving the so-called Credit Management or Debt Management industry. But what is...
Debt-to-Income Ratio - It's Just as Important as Your Credit Score When You're Shopping for a New Home
Your debt-to-income ratio (DTI) is a simple way of calculating
how much of your monthly income goes toward debt payments.
Lenders use the DTI to determine how much money they can safely
loan you toward a home purchase or mortgage...
"Land For Development" Things To Think About!
From the desk of Colm Dillon ... Author "Residential Development Made Easy For your development project to be successful every element must be planned carefully. Buying land for development is just one intergal part of that planning process;...
The Ultimate Legal Library To Help You Build Your Business
Early understandings make for the longest relationships. - Alan Dohrmann Don't let legalese get in the way of a good deal. Most contracts are often written with complete disregard for the potential emotional impact of the wording. These are the...
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Benefits of Unsecured business loans
Secured business loans, used as a source of business capital,
are disadvantageous not only because they can lead to
repossession of asset if repayments are not made. Secured
business loans come with many restrictions imposed by the loan
provider. The loan provider, for instance, will insist on a
particular debt-equity ratio in order to safeguard the amount
lent. This limits the entrepreneur's control over major
decisions on business.
An unsecured business loan, on the other hand, presents no such
restrictions. The enterprise has to pledge no asset for
repossession in case of non-payment. The assets are thus free of
any charge, and can be disposed off as one desires.
The prime customer group employing Unsecure
d business loans constitutes of entrepreneurs who prefer not
to attach the business assets to any obligation.
Businesspersons, who have undergone bad credit history, also
make use of this category of loans. Such businesspersons and
enterprises are known as problem cases. Failure to pay certain
debts in the past leads to county court judgements, and
bankruptcy, which in turn leads to bad credit history. Such
businesspersons are disadvantaged in secured loan deals.
Unsecured business loans however, present immense financial
opportunities before borrowers; particularly where the loan
amount desired is small.
The amount received through unsecured business loans will be
used for business commencement or expansion purposes, assets and
equipment purchase and refinance, and to restructure finances.
Some businesses use the loan proceeds as a working capital.
Still others would use the unsecured business loan to finance a
particular consignment. The repayment of this type of loan will
be due immediately after the entrepreneur gets payment from the
consignee, or any date decided.
As part of an agreement between loan provider and the
businessperson, cash will be transferred for use by the
business. The terms and conditions of the unsecured business
loan will have to be drawn through consultations between the
borrower and the loan provider.
APR is an important issue and needs to be discussed in detail.
Being unsecured, the unsecured business loan is more expensive.
The interest rate charged will be on the higher side. Risk is a
matter of perception. Different
lenders may look into a
particular case differently. APR would be decided on the basis
lender perceive risk involved in a particular loan request.
The principal issues you need to watch out for during the
decision making process have been illustrated below:
* Fees: This is the amount charged by loan providers as a
compensation for the service rendered. This is referred to as
points. Points, in some cases, are deemed to be investments. The
borrower agrees to pay increased points in exchange of a better
rate of interest. However, a comparison with the fees charged by
other competitive lenders is a must. Fees constitute a major
part of the cost. Hence, fees will be an important selection
criteria. * Prepayment: Most lenders will not agree to a
prepayment for the first 3-5 years. After the conclusion of the
period, the entrepreneur can seek premature settlement of the
loan account. This will enable borrowers to get rid of the loan
without incurring any redemption penalty.
* Grace period: This is the period for which loan providers will
allow borrowers to extend monthly repayments. For instance, if
the monthly repayment is due on the first of every month, late
payments up to the fifteenth of the same month will not be
deemed late. Entrepreneurs must negotiate a better grace period
from the loan provider.
* Late charges: Late charges constitute the penalty for delayed
payments. These are open to negotiation.
* Solicitors' fees: Borrowers can demand reasonable solicitors'
fees. Solicitors' fee implies that the borrower is required to
refund the lender's fees and costs that were incurred on
enforcing or recovering loan. This will become due when the
borrower does not repay unsecured business loan in full.
Unsecured business loans help garner the much needed resources
for business growth. The organisations where the need for
finance is urgent will find unsecured business loans the best
available option.
About the author:
Andrew baker has done his masters in finance from CPIT.He is
engaged in providing free,professional,and independent advice to
the residents of the UK.He works for the Secured loan web site
loans fiesta for any type of loans in uk,secured loans,unsecured
loans,debt consolidation loans please visit http://www.loansfiesta.co.uk<
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