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   (129)How To Finance A New Kitchen?

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Want to improve the look of your property? Want to add value to your property?
Been dreaming of a brand new kitchen? Do not have readily available cash to pay for it?
Are you planning an extension to your home, a new kitchen, would you like to have double glazing, a new conservatory, patio, or a new heating system, or are you undertaking the general up keep of your home but finding it hard to pay for?
Why not consider a Home Improvement Loan. Make the dream become reality with a UK Home Improvement Loan.
A Home improvement Loan could be the easiest and cheapest way to make improvements to your home.
A UK Home Improvement Loan is a low cost, low rate, cheap, low interest loan secured on your UK property. As the home owner, it frees you up to do whatever improvements you want on your property.
With a UK Home Improvement Loan you can borrow from £5,000 to £75,000 with low monthly repayments. The loan can be repaid over any term between 5 and 25 years, depending on your available income and the amount of equity in the property that is to provide the security for the loan. Home Improvement Loan rates are variable, depending on status. Your monthly repayments will depend on the amount borrowed and term.
A UK Home Improvement Loan can help you with:
A new kitchen
An extension or loft conversion
A new bathroom
A conservatory
Landscaping your garden
New furniture
You may freely reprint this information on your website provided the following caption remains intact.
“This information courtesy of http://www.directonlineloans.co.uk Click here to see full range of loans.”
John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available online secured loan via the http://www.directonlineloans.co.uk website. To find a loan that best suits your needs visit http://www.directonlineloans.co.uk
Written by: John Mussi


(130)How to Finance a Small Business


Confused by how to finance a small business? One key to a successful business start-up and expansion is your ability to obtain and secure appropriate financing.

Raising capital is the most basic of all business activities. But as many new entrepreneurs quickly discover, raising capital may not be easy; in fact, it can be a complex and frustrating process. However, if you are informed and have planned effectively, raising money for your business will not be a painful experience.

This guide focuses on ways a small business can raise money.

There are several sources to consider when looking for financing. It is important to explore all of your options before making a decision.

Personal savings: The primary source of capital for most new businesses comes from savings and other forms of personal resources. While credit cards are often used to finance business needs, there may be better options available, even for very small loans.

Friends and relatives: Many entrepreneurs look to private sources such as friends and family when starting out in a business venture. Often, money is loaned interest free or at a low interest rate, which can be beneficial when getting started.

Banks: The most common source of funding, banks, will provide a loan if you can show that your business proposal is sound.

Venture capital firms: These firms help expanding companies grow in exchange for equity or partial ownership.

It is often said that small business people have a difficult time borrowing money. This is not necessarily true.

Banks make money by lending money. However, the inexperience of many small business owners in financial matters often prompts banks to deny loan requests.

Requesting a loan when you are not properly prepared sends a signal to your lender. That message is: "High Risk!"

To be successful in obtaining a loan, you must be prepared and organized. You must know exactly how much money you need, why you need it, and how you will pay it back. You must be able to convince your lender that you are a good credit risk.

You may freely reprint this article provided the author's biography remains intact:


About the Author
John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the www.directonlineloans.co.uk website.
Written by: John Mussi


(131)How to Finance and Build Your Dream Home

 


If you have always dreamed of building and living in the home you've helped design, it's time to seriously consider putting your dream into action. In today's mortgage market, a specially designed loan for just such a homeowner, the construction to perm loan, includes the construction loan to build the house, and the permanent loan to purchase the home. Mortgage lenders used to offer this as a two part process, first financing the construction loan and building the house, then obtaining another mortgage to purchase the home. There were two closings, and two sets of closing costs with this type of loan. The construction-to-permanent loan allows for one application process, one closing, and one set of closing costs and is simpler, cost-effective, and less stressful for the applicant. Some construction to perm loans allow custom building of a home with an adjustable low payment during the construction process. For those who may have purchased a piece of land, or intend to buy a piece of land then build on it, this informational article will show you how to finance the custom built home before it's built. When choosing a lender and a builder, take the time to find viable partners in your custom building project who share your vision for your dream.
Lots for Building Custom Homes It is often best to select a finished lot. This means the lot is equipped with water and sewage systems, electricity, and road access. The lot should also be recognized as a single piece of land and have a boundary designation recorded with the county or city.
Finance Your Custom Built Home with a Mortgage Broker Breakwater Mortgage, in Virginia Beach and Williamsburg Virginia, is a Mortgage Broker. Mortgage Brokers have a wider variety of loan programs for consumers to select from. Visit a mortgage broker for the most competitive deals on a construction to perm loan. The lender will want to investigate if the land is appropriate for building by reviewing the land survey and building plans first. They will also check to see if the contractor is on the approved list of builders. If not, the selected builder will have to submit an application to become one.
Select the Builder of Choice for Your Custom Built Home Many of the larger name builders are already approved for many lenders. Ask the lender if your builder is approved. If not, most private builders and architects can easily apply through lenders. Each lender has different criteria for builders. If the homeowner is not satisfied with the builder they have selected, many loan programs allow them to fire the builder and begin with another approved builder. This gives the homebuyer power over their own destiny during the custom building and construction process.
Consumer Highlights for Construction to Perm Loans Construction to Perm Mortgages are written for primary and secondary homes. They are not allowed for investment property. Construction to Perm mortgages are not written for modular, pre-fabricated, or manufactured homes, either. One unit is allowed per mortgage. The construction term of the loan is from six months to 12 months, with exceptions up to 18 months on some products. Ask your mortgage loan officer about subordinate financing. There are also creative financing options available for homebuyers who want to put the minimum down and pay a low interest only payment while the house is being custom built.
Lender Requirements for Construction to Perm Financing Lenders require standard credit documentation and high credit scores for construction to perm financing. Lenders also request: 1. Final plans and specifications (needed to obtain appraisal) 2. Purchase contract for lot (or settlement statement if already purchased) 3. Property profile (a description of materials for custom building). 4. Line item cost breakdown from the builder 5. The builder's construction contract 6. A copy of the builder's license 7. The builder's statement or application (showing the company as approved or applying to be approved to build a home). In addition to these documents, it is essential that the homeowner obtain the necessary permits to build in the community.
Benefits of Construction to Perm Financing Construction to Perm loans are a single close loan, and the consumer obtains financing before construction. This gives the homeowner cash to pay the builder and complete the construction. Construction to Perm is a fully amortized loan. Nothing changes in the term - it's one mortgage. One of the greatest advantages to the homebuyer with this type of home financing is some lenders allow interest only payments while the home is under construction. This gives the homebuyer a low payment option in the beginning while living somewhere else. Once the home is occupied, the mortgage payments are changed to principal and interest payments.
Financial Suitability for Custom Built Homes High credit scores are important to lenders for construction to perm mortgages. Liquid assets are also carefully scrutinized. For homebuyers interested in construction to perm financing, the lender will look for adequate savings to pay for the mortgage during the construction period of the loan.
Down Payment Expect a 3-10% down payment to be required, depending upon the loan amount for the construction to perm financing. Smaller pieces of land or smaller loan amounts will require a lower down payment.
From the vantage point of the loan officer, construction to perm loans are a win-win situation. The homebuyer is purchasing a loan they feel comfortable with. They have a reasonable payment during construction, and business with the lender is concluded at the time the loan is made. This type of loan allows the person building their custom dream home to take control over their biggest asset during the most critical phase: construction. With financing in place, the borrower can make sure the final product is exactly what they want it to be.

About the Author
Sherry Guard worked at Beneficial Finance as a loan officer prior to joining the Breakwater Mortgage team. Sherry has an honest and straightforward business style. She believes in treating her clients with the integrity she would expect in any business transaction. E-mail Sherry at sherry@breakwatermortgage.com or visit http://www.breakwatermortgage.com.
Dan Wood is a Managing Director and Sales Manager at Breakwater Mortgage. He has been a

Written by: Dan Wood and Sherry Guard


:(132)How to Finance or Refinance a Motorcycle Loan.


How to obtain a motorcycle loan
If you want to get a loan for your motorcycle or refinance a current loan, follow our simple advice to get you back on the road. Never mind public opinion, obtaining a motorcycle loan can be a straightforward and easy process if you follow the correct procedure. The refinance company or motorcycle loan company can usually get back to you straight away to offer you their best interest rates. When you know what interest rates and repayments will be you can then calculate accordingly how much this will cost you. If you can afford this and think it is at a good rate then you have got another step underway. Check the terms and conditions to make sure there are no hidden costs or extra add ons. When you have found the best package to suit you, then you can send in your application online or over the phone. Even after the application is sent in, you do not have to commit to this. The company will make a customised package for you to work from. It is recommended to stay with you current company if the interest rates will not help you save money and reduce fees or penalties. Many people can usually obtain a secure interest rate if they refinance so it is always good to send applications in so you can compare different companies and find the best one for you.
Getting the best motorcycle loans rates
The number of months the loan is for, your credit report score, and the price you pay in total for the motorcycle are all factors that can determine the final rate of interest of your motorcycle loan. The company that may lend you the money will rank your credit history is the main criteria of your loan rate. The less you have to pay in interest rates the higher your credit score is. It is ideal to check your credit rating before you apply for a loan and make sure all information is correct or otherwise you may be paying a lot more than you should have to. The number of months you apply to pay of your loan could determine whether you pay more or less. The longer the months the more interest that will be paid. A motorcycle loan taken out for 6o months will have a lower monthly interest rate than a 36 months loan but the overall total for the 60 month loan will be larger. The price paid in total for your loan including dealer adds ons can also determine interest rates. When you research and know the value of your motorcycle you can stop yourself from overpaying the motorcycle loan payments. If you are buying a new motorcycle check the dealers invoice or price he paid for the motorcycle is before you head to the dealer. The best price is between the dealers price and the dealers invoice price. The dealer will always add money on so they can make a profit but it is far greater than the price they brought it for. Lowering the price of your motorcycle could mean lowering the repayments too. When purchasing a used motorcycle from a local dealer be aware that the dealer will price the motorcycle at the highest value and this may include the cost of the dealer having the motorcycle reconditioned. Try to find a compromise with the dealer on what is a reasonable price for a bike in your area. The dealer has an asking price is always far more than they may have paid for it, as they like to make a heavy profit. Look around and check out all motorcycle dealers to find a deal that is best for you. When a dealer offers you an option that may be not necessarily needed, take account that this will add to the total value of the motorcycle and increase the repayments and interest rate. Some options that you may be asked to take are sales promotion fund, paint sealant, freight expense, assembly charge and dealer advertising association holdbacks. Compare the best deals that may include these options for the best deal for you. Some options can be removed for an even better price on your motorcycle.
http://www.motorcycle-financer.com

About the Author
Claire Calkin operates several websites featuring motorcycle loans and finance.

Written by: Claire Calkin


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