找工作时要注意的事项
个人贷款
生活发生了, and many people rely on personal lending to help them fund important or unexpected expenses that crop up along the way.
Here we’ll discuss a few pointers on what to look for when getting a 个人贷款. 但, 第一个, let’s talk about what a 个人贷款 is and how it is different from other types of flexible financing.
什么是个人贷款?
We all know San Francisco isn’t cheap, and we can all use a little help getting by. That’s where getting a 个人贷款 comes in handy!
A 个人贷款 is money you borrow to fund a wide range of expenses. It can be used for important 购买s such as a computer or work equipment or to pay for 家里装修 或者搬到大城市的成本. It can even help with a once-in-a-lifetime event such as a dream wedding or cover unexpected medical or repair expenses.
但, how is a 个人贷款 different from other loans and lines of credit?
个人贷款和公开贷款不一样 信用额度 你可以反复借它做抵押. It is also not intended to cover education or 业务 成本或 车 or 首页。 购买. 它不应该被用来 巩固 其他债务，如信用卡付款.
A 个人贷款 needs to match your specific needs. That’s why it is important to partner with a lender who understands your individual needs as a member and can help you plan your borrowing as part of your financial life journey.
如何获得个人贷款
A 个人贷款 is a specific lump sum that is paid to you personally and that you repay over a fixed period at a fixed rate of interest. This allows you to have a consistent monthly payment throughout the life of the loan.
安全与. 无担保
It’s important to look for loans that are unsecured, meaning that you do not need to put up a security guarantee in the form of collateral (such as cash or a fixed asset like a 车 or boat) in order to qualify.
多长时间多少钱?
在十大可靠彩票平台, loans can be for as little as $500 or as much as $50,000, 期限一般为2至84个月.
In making the “how much and for how long” decision, it really helps to work with a local lender like 十大彩票游戏平台 who knows you and your needs personally, and who can help you match repayments to your likely ability to pay throughout the loan as part of a larger financial plan.
理解利息和年利率
类似的, it’s important to work with a lender who can help you understand the impact of interest charged over the life of your 个人贷款 and its effect on your finances.
Interest is quoted in the form of a fixed annual percentage rate (APR) for the life of the loan. APR is the annual rate charged for borrowing money over the term of the loan as a percentage of the original lump sum borrowed.
For example, if a bank or credit union offers an APR of 7.10美元贷款的5%利息,000英镑，分两年支付, you would expect to pay a monthly payment of $450 over the life of the loan, including the lump sum repayment and interest, 或者总共支付799美元的利息.90.
理解费用
APR excludes the compounded cost of interest over the life of the loan. It also excludes the fees that many lenders add to the costs of loans. These can be an unwelcome surprise for many borrowers and can include:
- 贷款发放费
- 信用检查费用
- 预付费用，以及
- 每月的处理费等
It pays to shop around to avoid or minimize fees, especially if they are added to the principal of the loan.
例如, payday lenders typically charge very high fees on top of their APR to offset high-risk lending practices, and even mainstream lenders often charge hefty prepayment fees to prevent borrowers who are able from paying down loans early.
作为一个当地的非盈利信用合作社, 十大彩票游戏平台 charges its members no up-front fees on its 个人贷款s, and no prepayment fees if they can repay loans ahead of schedule.
个人贷款要求
获得个人贷款, you’ll need to fill out an application with your lender, providing personal and financial details that support your ability to repay the loan in a timely manner. This will then be approved or denied by the lender.
Specific requirements depend on the terms of the loan and vary widely among lenders. Typically though, lenders are looking primarily for:
- 可接受的稳定收入
- 合格的信用评分，以及
- 可接受的债务收入比率
保证你的财务健康
个人贷款是一个很大的承诺, and while you should always shop around for the best deal, it helps if the loan is part of an ongoing relationship. A lender with whom you have a banking relationship will be able to assess how a loan fits into your wider financial wellbeing and can work with you to help you meet the loan requirements.
作为当地的信用合作社, 十大彩票游戏平台 is well placed to handle both your day-to-day banking and credit and 个人贷款 needs with convenient, 个人服务. 十大彩票游戏平台提供 简单的应用程序 process and can often approve loans on the same day.
And we also offer valuable extras, like our Skip-a-Pay option that allows our members to skip one loan repayment per calendar year. That’s valuable money right in your pocket in a tight month! 和十大彩票游戏平台的 Lend-A-Paw 个人贷款 program is designed to help San Francisco pet owners manage unexpected veterinarian and pet medication expenses!