elbertinafazia's Space http://elbertinafazia.posterous.com Most recent posts at elbertinafazia's Space posterous.com Mon, 29 Apr 2013 22:14:45 -0700 Commercial Loan Home Loan Repayment Options can impact your Financial Planning http://elbertinafazia.posterous.com/commercial-loan-home-loan-repayment-options-c http://elbertinafazia.posterous.com/commercial-loan-home-loan-repayment-options-c

Your decision to buy a home of your own is a major financial decision.It involves huge amount of financial commitment from your end.For most people this means a stretching of the funds and going in for a home loan from the bank. Now you have got to research and understand all about the loans and the various options before you move to the bank to apply for the home loan.

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You borrowing from the bank has a larger impact on your personal financial status. Normally the tenure of a home loan is in upwards of ten years. So your financial planning would have to take into account this long tenure as well as your other priorities in life too. You have also got to factor in your taxation. You get to save income tax through the rebate on interest paid towards the home loan.Keeping in mind all of these points you would need to work out your budget for repayment. Normally the experts advise you to limit your monthly repayment to one third of your total earnings. It is estimated that a salaried person can pay only this much comfortably towards the repayment of his loan outstanding.

When it comes to repayments of your loan, there are several methods of repayment that you can work out with the banks. Understanding of the different options can be had through a detailed explanation from the bank's representative.

We have covered here for you some of the options at a macro level.

In the home loan segment you have one of the categories of loans called as Step Up Loan. This loan is tailored for those persons who are just starting their career now. Assuming that their future income generation will keep increasing, the loan repayment is worked out in such a way that in the initial period the monthly repayment is kept smaller.As the years go by the repayment amounts increase along with the increase in income. Based on the future potential of revenue generation, you will be able to avail a larger loan sanctioned.

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A Step Down loan is one which works the opposite of a Step up loan.This loan scheme is aimed ideally at those professionals who have a decade or so to retirement and are earning a steady income today.Accordingly the Equated Monthly Installments are kept very high for the first few years and they get lowered as the years go by.

The third type of repayment scheme in home loans is called balloon payment. You will start paying a lower monthly repayment sum but you will have to make a lump sum payment at a point of time in future and commit to it.

Then there is also the Accelerated repayment loan where in the borrower can make part payments against the loan outstanding whenever he accumulates some saving.Of course there is a ceiling as to how many times he can make the repayment in a year. With each repayment you get to save on the interest flow because the bank calculates the interest on the principle outstanding on daily basis.

Quick resource: assisted-living-financing.com

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Tue, 05 Feb 2013 23:16:41 -0800 Golf Financing Refinancing Home Loan Helps http://elbertinafazia.posterous.com/golf-financing-refinancing-home-loan-helps http://elbertinafazia.posterous.com/golf-financing-refinancing-home-loan-helps Commercial Loan

The last economic downturn was very traumatic indeed. The downturn did not affect the super rich but did manage to touch the rest of the population.Many people lost huge amounts that they had invested in the stocks and Mutual Funds. The savings accumulated over years became zero in no time. The other sector which wrecked havoc with the common people was the housing sector.Thanks to Government intervention many homes were saved and families managed to retain their roof above their head.

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If the going gets tough we end up facing the brunt not being able to manage a comfortable living . Even though we know that the countries have face far severe crises at the time of great depression etc we hardly remember those times when we are facing similar challenges. Thankfully we got over the recession pretty decently we must say. All those who had lost their jobs have been able to gain employment and are engaged productively now.Surprisingly many managed to find better paying jobs than what they had before.

It is due to the initiative of the Government to support financially as well as pass the required legislation to direct financial institutions to refinance the home loans on fresh terms saved many homes. A lot of people who got back their jobs and started earning went ahead to buy their second homes which were available at quite cheap rates. They discovered that due to the refinancing of their first home the cash flow situation on hand improved and they could manage to have more spare cash on hand. When they got back their jobs and started earning the same amount, the fund flow improved considerably. With funds being available on hand, they have been smart enough to buy more properties with longer tenure. This is how the number of second home buyers has slightly gone up.

It makes sense to buy a second home for you can earn an income out of the same as soon as you have bought it and rented it out. Soon after buying the property you can rent it out and get monthly rentals. This helps pay the instalment too. Thereby you are creating an asset which is going to pay for itself.

Most of the young generation working couples are very smart and focussed.They understand how economy works and are well aware of financial management. They analyze the markets, understand the economy and do not mind taking calculated risks too. Of course your grandparents probably advised you never to live on debt but the next generation might have lived on debt totally. Today's generation seems to be highly responsible for they know what they are getting into while taking loans and ensure that they pay up in time and become debt free. Their credit worthiness as well as credit history is very important to them and they ensure that it is maintained well.

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The trend in the recent times is changing as far as earning and savings are concerned. People seem to have oriented themselves towards spending less and saving more. It is now quite common to see parents saving for their children's education which is becoming quite expensive but nevertheless they realise the importance of giving their children good professional education.

Most of the parents today are working towards buying a second home from their earnings as an investment that is safe and then looking to save for their children's education. Thanks to the emerging opportunities every individual who is able to work is able to find opportunities for employment. The internet as well as IT sector and the service sector offers unlimited opportunities for people to work even from home and earn money.

Banking and Credit card sectors have seen some challenging times due to the recent events preceding the recession. As long as people are depending upon the cards to support financial transactions in day to day life the credit card companies will continue to do well in future. As far as banking is concerned they are an indispensible backbone that will continue to thrive. Hence forth one should expect that the banks are not going to be too eager to lend money for home loans which they will do only with a lot of scrutiny and restrictions.They are likely to qualify the applicant and extend credit.

Here's a quick resource: assisted-living-financing.com

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Wed, 05 Sep 2012 01:51:32 -0700 Commercial Loan Invest Into Building Your Financial Knowledge http://elbertinafazia.posterous.com/commercial-loan-invest-into-building-your-fin http://elbertinafazia.posterous.com/commercial-loan-invest-into-building-your-fin Golf Financing

As a common man, one is always reading information on financial markets and matters to be able to make sense of what is happening in the economy. You have got to be doubly careful with your finances and investments. When it concerns your hard earned savings you cannot afford to take chances and take things lightly. Before you venture into any financial market or product you should ensure that you gain sufficient knowledge and expertise in it. The plus and the minus including the risk as well as the yield should be known to you clearly. There is always going to be a trade off between the amount of investment, the risk involved as well as the yield expected.Invest in those opportunities where the risk is less. As long as your investment is safe and is growing it should be ok to invest even if the yield is lesser.

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Getting to know all about loans is also something that is very useful to you.Taking a home loan and a vehicle loan is a priority with all of us. Most people go along with what their banker suggests and sign up for the loan without getting to know the details of how it works. All that they go through in the loan document is to see the sanctioned loan amount as well as the monthly instalment amount that they are required to pay every month. It is essential for everyone to read through the loan document and go through the clauses as well as understand how the rate of interest works and varies in the market. You should watch the rate of interest behaviour every year. It is not that you avail the home loan, start making monthly repayments and forget about it. You have got to be aware of the changes in the market going on from time to time.The rate of interest will keep fluctuating and the banks might be offering lesser rate of interest than what you are paying. If this happens then you will need to look at switching loans to be able to gain from the drop in rate of interest. You should ideally approach your bank for refinancing loan. Not many people are aware of the fact that they can go in for refinancing options and that their loan terms are not sacrosanct.

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You have several options at your disposal. The bank would be able to help alter the tenure or the repayment of your loan or better still help foreclose the old loan with a new loan.However going in for a refinance loan is not as simple as it seems. Get to know the terms and conditions in detail before going ahead with it.The interest saved via the new refinance loan should be higher than the foreclosure fee and the prepayment charges only then it makes sense to opt for a refinance loan. If you stand to gain at the end of this exercise you stand to save some amount every month in your kitty. With the money that you get to save every month, you should invest into another project which will give you better returns.

Sharpen your financial skills and if required attend a short term course. Whatever you invest into in learning about finances, you will get back in the form of returns.

Here is a quick resource: assisted-living-financing.com

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