If your New Year’s resolution is to gain control over your finances after your divorce then this freebie could be just what you need. Download a free copy of “Me And My Money”, a 44 page ebook that helps you stretch your money after a separation.
Topics covered include:
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Download your free copy today and take control over your finances after separation or divorce!
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Whatever you’re planning, you know it doesn’t happen overnight. It takes time. But that doesn’t mean a personal loan has to. Apply for a Citibank Personal Loan and get a response in 1 minute.
EASY to apply with a response in 1 minute
Apply online and you wont need to wait days for an answer, fill out loads of forms or even have to visit a branch.
SAVE with low rates from 13.24% p.a.* (comp. rate 13.65% p.a.)
Our rates are amongst the most competitive in the market. You’ll also avoid future interest rate rises because your rate is fixed for the life of your loan.
SAVE even more with 0.50% p.a. off your rate with Loanguard
Take out Loanguard payment protection insurance and we’ll discount your interest rate.
FREEDOM to re-draw on your loan
A redraw facility allows you to access repayments you’ve made any time, for any purpose
APPLY TODAY and you could have your money within 48 hours
Your loan will be paid directly into your nominated account within 48 hours of being approved, whoever you bank with. Apply to a Citibank Personal Loan Today.
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Sometimes people find themselves in a financial crush and absolutely have to lay their hands on some quick cash. There are several ways to get such a fast cash advance and at reasonable rates of interest.
First of all, nothing beats advance planning. You don’t want to be forced to obtain what is known as a payday cash advance, instant cash advance, or cash advance loan. These are very expensive and will not be a good financial move for you. So, when you negotiate your mortgage loan, terms of your checking account, and other financial services packages that you require the providers to make available to you, include at least a small line of credit that you can draw on in the event of emergencies. This line of credit, which could be activated as an online cash advance can be accessed at an ATM via your regular debit card. It should always be paid back as soon as possible after it is used; so that it will be there the next time you need it. You should only access this line of credit in true emergencies — for those times when you absolutely need an extra 50 dollars or so, and need it quickly.
The interest rate on such lines of credit, especially if they are tied in with the equity in your home, can be very reasonable, and if you pay back these short-term loans in a rapid manner, such as when you get your next paycheck, the amount of interest paid can be almost negligible.
Do not, if at all possible, use a cash advance store. These loans, also called a payday cash advance, instant cash advance, or a cash advance loan, are very expensive and the lenders making them charge some of the highest interest rates around for these loans, meaning that sometimes you will wind up paying back almost double what you borrowed – certainly not a good deal from the borrower’s point of view.
In advance of having an urgent need for cash, have a talk with your bank and see what they can do for you when you are faced with these sorts of emergencies. Often they can arrange for a small line of credit to be established in your name, even if you don’t have security against which to base a home equity line of credit. Such a line of credit will be a lot cheaper to use than the payday cash advance loans of these storefront vendors.
Regardless of the interest rate charged by your bank, you are guaranteed that it will be considerably less than that charged by a “payday loan” store, and having such a line of credit available to you will provide for peace of mine in the event you are ever faced with an emergency requiring you to lay your hands on some quick cash to deal with some unforseen financial event.
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How do cash advances work? (These products are also known as payday cash advance, instant cash advance, and cash advance loans)?
Instant cash advance, payday cash advance or cash advance loans, are three of the most lucrative types of loans that financial institutions can make. The reason for this is that often people are desperate for the cash. They need it to pay for food and other day-to-day expenses that simply cannot wait until the next payday. The people who opt for these loans are often of lower income and those who do not have many alternatives for accessing quick cash, so they will gladly pay whatever interest rates these lenders are asking.
The way these payday cash advances or instant cash advances work, is that you show the lender proof that you have a bank account into which your pay cheque is automatically deposited each week. You also present proof that you are gainfully employed, so that the lender knows you are good for the repayment amount of the loan. Finally, you present proof of the amount of your take-home pay cheque, after all taxes and other charges. This proof can be in the form of bank statements showing the amounts deposited by your employer each week. You then sign the appropriate paperwork giving the lender your permission to withdraw monies from your checking account. They will need this permission in order to collect the balance, plus interest, on the loan.
The lender then makes you a loan, equal to the amount of your next pay cheque, less the interest to be charged. The interest rate can be very high, sometimes running upwards of 50%, or even more, but the loans are normally for a very short time period, generally no more than two weeks. When the borrower receives his next regularly scheduled pay cheque, the lender puts through a request to the borrower’s bank to be paid the balance due on the loan.
In summary, payday cash advances are also called instant cash advances, fast cash advances or cash advance loans. Some enterprising lenders take the whole process online and call them “online cash advances,” where the amount of the cash advance loan is deposited directly into your bank account. Regardless of what they are called, these payday advances are generally a very poor deal from the buyer’s standpoint and should be avoided if at all possible.
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There are lots of terms that lenders use, which can be quite confusing. In fact, if we are not careful, we can find ourselves negotiating very poor deals with a lender, simply because we were not on the same page when they began throwing their jargon around at the bargaining table.
So here’s a quick guide to a few of the most common terms that lenders use and what they can mean to your wallet.
APR – The APR is a compound interest rate figure that is used to compare different mortgages offered by different lenders. In other words, it represents the actual cost of the loan over its entire term and takes into account the upfront costs that may be included, such as settlement expenses, as well as the actual interest and principal payments made over the life of the loan.
Base Rate – This is the rate of interest set by the Reserve Bank of Australia. It’s similar to the prime rate set by the Federal Reserve in the United States.
Bridge Loan – this is a short-term loan that a lender will generally make to cover the buyer’s purchase of a new property and the sale of his old one. He’ll pay interest, at what will probably be a premium rate, until his old house is sold and he can pay off the bridge loan.
Broker’s Fee – This is a finder’s fee that you will pay to your mortgage broker for his time and trouble in locating you the best rate possible on your mortgage.
Early Repayment Charge (ERC) – This is a charge that may be levied by the mortgage company as a penalty, should you decide to pay your mortgage off in a shorter time period than was originally agreed on. Never accept a mortgage loan if it includes this penalty.
Equity – Is the amount of money that you paid upfront for a property, in the form of a deposit or the amount of value you’ve built up in the property (value over mortgage amount still due) over the time you’ve owned it.
There are lots of other terms and bits of jargon that lenders will use. Never hesitate to ask for an explanation of anything you are not sure of or better still, retain an attorney to represent your interests in such negotiations.
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Aussie are so confident that their brokers can find you a better home loan deal that they are putting their money where their mouth is.
Using their unique Mortgage Explorer Software, they will compare your home loan against hundreds of others to find you a better deal.
If they can’t, you will receive $300. It’s a win-win deal but you’ll need to get a move on; this offer now ends 30th June 2008.
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Written by industry experts, this 96 pages book takes you through the essential steps to home ownership. Everything from helping you decide when to make an offer, to make an offer, to making sure you get the right loan.
It really is the ultimate guide and it’s FREE, only from RAMS Home Loans. Meet with a Home Loan Specialist and you’ll get a free copy of “Making the Move“, First Home Buyer Guide.
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