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The Three Factors of Personal Loans by Loco Media





Article Author Biography
The Three Factors of Personal Loans by
Article Posted: 12/01/2009
Article Views: 355
Articles Written: 53
Word Count: 493
Article Votes: 0
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The Three Factors of Personal Loans


 
Finance & Investment
Are you short on money? Then a consumer loan (also called a private loan or personal loan) could be a possibility for you. But before you raise a loan, there are a couple of things, you should know; things like interest rate, security and fees.

So what is a consumer loan? A consumer loan is a loan taken by an individual. Normally the loans are raised to pay for some kind of buying expense (like a television or a vacation). But it can also be relevant to take a loan to pay other debt. If you raise a loan for a house, it is called a mortgage loan (and cannot be compared to a personal loan).

Loans can be borrowed from banks or individual lenders. While mortgage loans often will be paid back in 20 or 30 years, private loans are often paid back after half a year to five years.

If you have some kind of security like a house or a car, you can raise a secured loan. In case you fail to pay back your loan, the debt will be settles against the security asset. The advantage of this kind of loan is that it is cheaper than an unsecured loan, because the lender do not have to take a big risk. But you have to think about the risk of losing your home or car, if you cannot pay the loan.

The opposite is an unsecured loan. Here you do not supply any kind of security asset. If you fail to pay your debt, the lender cannot take your house or car. This risk makes the price of the loan higher. And if you are unemployed or have a bad credit history, it can be difficult and very expensive for you to raise an unsecured loan.

Before rising a loan, must look at the interest rate. It is a good idea to compare the rates on the internet. You can also ask more than one bank to get the best rate. You can save a lot of money this way.

The interest rate do also depend upon how much you like to borrow and how long time you need to pay the amount back. So you have to clarify your needs to find out for how long time, you need the loan; if it is too short, if can get in trouble find the money, but if it is too long, you will pay too much in interests.

The total price of the loans is not only based on the interest rate. The loan charge will be another important part. And while the interest rate depends on the amount, the charge will normally be the same no matter how much you are borrowing. So rise on large loan instead of several small ones.

Martin Elmer is writing about consumer loans in Minilån. You can also find information about the different kinds of loans in Hurtig lån.

Related Articles - loan, consumer loan, private loan, personal loan, debt, secured loan, unsecured loan, security assets, interest rate, loan charge, fee, bad credit, banks,

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