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Tag: APR

How To Get Fully Approved Loan

How To Get Fully Approved LoanA loan is required if you wish to buy a home or else owning a home may just be a dream. With this follows the next question how to get a fully approved loan and how long will this procedure of approval take.

Here are a few factors that determine how long it will take:

  • The mortgage type you applied for and the property for that you seek finance
  • The timeline standard that a lender uses in mortgage application processing
  • The documentation and application you handed to the lender

With all these, the timeline may be from few hours to few days, especially if your documentation and mortgage application is in order.

It is best to avail a pre-approval mortgage before initiating the house hunting process. This means all the speed breaks and hiccups are handled in advance.

Getting Pre-approved

Pre-approval refers to calculations that ratio between the earned amount and the debt you will get on the property mortgage. Once a lender is aware that you are able to manage easily the debt with your earnings, they will give you a pre-approval letter guaranteeing 60 to 120 days interest rate. Yet, you should submit with the application:

  • Photo identification
  • Proof of Income
  • Proof of Assets
  • Proof of Liabilities
  • Account Numbers
  • Proof of Down Payment
  • Lawyer Information

Conversely, if you identified a perfect home in your imaginable location, fitting your price, size and layout, but cannot buy without a loan? Either a pre-approval will be accepted, but that cannot be done overnight. So, before beginning your hunt for the home, start hunting for fully approved loan and its ways to get it. Here it is:

1: Loans comparison shopping: Same as you shop for your furniture piece or automobile, shop for loans. Search online for mortgage providers; visit some credit union or local bank. Expand your search to community banks, other financial institutions and compare the terms. All the lenders will check your credit score.

Tip: Check the APR (annual percentage rate) and the interest rate of the lenders. The APR includes everything, the loan origination fees, borrowing amount and all other costs. Time taken is 14 days.

2: Bring a pre-qualification letter: Buyers expect pre-qualification letter before everything. During loan shopping, you must have spoken with lenders and you can get this letter from them. They are easy to get. The lender gives this letter based on your information of income, debts, assets and down payment size.

Tip: There is no need to take loan from the lender who gave the letter. Time taken is 1to3 days.

3: Get pre-approved: Here you need to submit documents such as proof of assets, income, Social Security Card and employment, besides debts records, if any. A stable employment and no debts means the process is for one or two weeks. But, if there are complicating factors such as previous bankruptcy or divorce, self-employed or pending court case, additional documentation is required and it may take weeks to months.

4: Final loan approval: With pre-approval letter armed, you can make an offer and it is accepted. There is a need for an official verification by a licensed appraiser visiting the property and once he approves, it is good news. Time taken is three days to two weeks.


Balance Transfer Credit Cards Canada An Overview

What Is A Balance Transfer Credit Card?

Simply put, a balance transfer credit card allows you to transfer your card balances over from your other credit cards. Through this transfer you can save money on the APR. If you can consolidate all your balance to a single credit card, you can easily keep track of your debt.

Why Should I Transfer My Balances To A New Credit Card?

Balance Transfer Credit Cards Canada, when used correctly, can help you save money. Most people keep a balance on one credit card, a separate balance on yet another, and pay a high APR to maintain both of them. Balance Transfer Credit Cards Canada have outstanding introductory APR’s and the very best Balance Transfer Credit Cards Canada will have a comparably lower ongoing APR as well.

Some of the best Balance Transfer Credit Cards Canada offer an introductory APR of 0% for an extended period. Those people who are in a debt trap can take advantage of this offer. There are even some Balance Transfer Credit Cards Canada which prolong the introductory ARR of 0% until you have paid off all the balance that you have transferred. Certain Balance Transfer Credit Cards Canada have a fixed rate and the rate remains the same until you pay off the balance transferred. This type of card, often times lacks the introductory 0% APR offer.

Things to Remember

It is not difficult find a balance transfer credit card, and in fact, you might have already been receiving solicitations from several credit card companies. But finding the best balance transfer credit card can sometimes be a murky affair. Understanding certain key elements regarding these cards can help you to choose the best.

Most people fall for the introductory offer given by the Balance Transfer Credit Cards Canada. But this is only for a specific period of time. The period of time offered on these introductory APR balance transfer cards is often times determined by your credit history. So while selecting a balance transfer credit, keep a close eye on the introductory offer. Make sure that the introductory offer will work in your favor.

In some instances, some credit card companies will require an initial balance transfer along with the application for the card. Some people might not be comfortable with such a demand. The best Balance Transfer Credit Cards Canada provide flexibility on balance transfers that will allow you to transfer balances at anytime during the introductory period.

Some of Balance Transfer Credit Cards Canada might have a fixed rate introductory offer which is not a 0% APR on balance transfers, but is very low, remaining constant until you pay off the balance.

Most Balance Transfer Credit Cards Canada have a transfer fee. Make sure that the transfer fee does not negate the financial advantage you are trying to get from the whole process. This aspect should be considered seriously by people who are planning to transfer balances from two or more cards. There will be no transfer fees incurred with the very best Balance Transfer Credit Cards Canada.

You should compare your existing cards interest rate with that of the balance transfer credit card. While comparing include all the fees associated with each card as well. And if you are planning to use your balance transfer credit card for ongoing purchases, make sure to get the complete details, including ongoing APR’s on purchases, penalties, late payment fees and any miscellaneous surcharges that might be incurred when using the card in this manner. Make absolutely sure that there are no hidden charges.



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