Monday, August 31, 2015
Personal loans II
Personalloans.com.au is your portal to finding out everything you need to know about applying for a personal loan, and can help you pick the right lender for you.
Personal loan to:
-purchase a new car
-consolidate debts
-make home improvements
-purchase a new car, etc.
Personal loans are an easy way to consolidate several debts into one.
Talk to your lender about the benefits of secure and unsecure loans to help you decide which will suit your budget better.
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Saturday, August 22, 2015
How to calculate finance charges ?
The lender wants to make a profit for his services (lending you the money) and this is called interest. There are many types of interest from simple to variable.
This article will examine simple interest calculations.
In simple interest deals, the amount of the interest (expressed as a percentage) does not change over the life of the loan. This is often called flat rate or fixed interest.
The simple interest formula is as follows:
Interest = Principal × Rate × Time
Interest is the total amount of interest paid.
Principal is the amount lent or borrowed.
Rate is the percentage of the principal charged as interest each year.
To do your math, the rate must be expressed as a decimal, so percentages must be divided by 100. For example, if the rate is 18%, then use 18/100 or 0.18 in the formula.
Time is the time in years of the loan.
The simple interest formula is often abbreviated:
I = P R T
Simple interest math problems can be used for borrowing or for lending. The same formulas are used in both cases.
When money is borrowed, the total amount to be paid back equals the principal borrowed plus the interest charge:
Total repayments = principal + interest
Usually the money is paid back in regular installments, either monthly or weekly. To calculate the regular payment amount, you divide the total amount to be repaid by the number of months (or weeks) of the loan.
To convert the loan period, 'T', from years to months, you multiply it by 12. To convert 'T' to weeks, you multiply by 52, since there are 52 weeks in a year.
Here is an example problem to illustrate how this works.
Example:
A single mother purchases a used car by obtaining a simple interest loan. The car costs $1500, and the interest rate that she is being charged on the loan is 12%.
The car loan is to be paid back in weekly installments over a period of 2 years.
Here is how you answer these questions:
1. What is the amount of interest paid over the 2 years?
2. What is the total amount to be paid back?
3. What is the weekly payment amount?
You were given: principal: 'P' = $1500, interest rate: 'R' = 12% = 0.12, repayment time: 'T' = 2 years.
Step 1: Find the amount of interest paid.
Interest: 'I' = PRT
= 1500 × 0.12 × 2
= $360
Step 2: Find the total amount to be paid back.
Total repayments = principal + interest
= $1500 + $360
= $1860
Step 3: Calculate the weekly payment amount.
Weekly payment amount = total repayments divided by loan period, T, in weeks. In this case, $1860 divided by 104 weeks equals $17.88 per week.
Calculating simple finance charges is easy once you have done some practice with the formulas.
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Getting Your Bank Loan
Here are twelve basic steps you must take before going to the bank for a business loan.
- Keep in mind that staying in commercial banks need to make loans
- Learn how to anticipate every question that he or she has.
- Do not take apologetic and negative attitude.
- As an entrepreneur, make sure that you are thoroughly prepared
When you go to your banker's office to request a loan.
- Failure to discuss the risk in your application. You have to remember one thing: there is no business without risk. If you do not speak the risk, the bankers will assume that you have not thought about the risk.
- Be sure. relationship of trust increases your chances of getting a loan. Show that you can make a success out of the money that the bank will lend to you. Imagine in your mind the positive results of its bank application.
- Be sure that all your documents are neat, legible and organized into a cohesive and attractive way. Enter all loan documents. Handwritten documents look unprofessional. Do not forget to include a cover letter.
- Do not stretch the truth in your loan application. Broad, unsubstantiated statements should be avoided. The lender can easily check out many facts at your request.
- Dress professionally for the interview. It is a business transaction, so treat it as such.
- Try one lender after another until you get your loan. To improve your position as you change bankers and banks, the best way is to ask for a referral from a successful entrepreneur.
- Remember that the first loan is usually the hardest to get. Bankers prefer to lend money to borrowers who have at least one borrowed and are paid back at least one loan at a time. They are not venture capitalists who make high-risk loans, regardless of income prospects for your business. Bankers prefer to lend low-risk, low-profit venture, but high-risk businesses, or those with no record of accomplishment.
tag: Here are twelve basic steps, the bank for business, getting, Bankers
- Keep in mind that staying in commercial banks need to make loans
- Learn how to anticipate every question that he or she has.
- Do not take apologetic and negative attitude.
- As an entrepreneur, make sure that you are thoroughly prepared
When you go to your banker's office to request a loan.
- Failure to discuss the risk in your application. You have to remember one thing: there is no business without risk. If you do not speak the risk, the bankers will assume that you have not thought about the risk.
- Be sure. relationship of trust increases your chances of getting a loan. Show that you can make a success out of the money that the bank will lend to you. Imagine in your mind the positive results of its bank application.
- Be sure that all your documents are neat, legible and organized into a cohesive and attractive way. Enter all loan documents. Handwritten documents look unprofessional. Do not forget to include a cover letter.
- Do not stretch the truth in your loan application. Broad, unsubstantiated statements should be avoided. The lender can easily check out many facts at your request.
- Dress professionally for the interview. It is a business transaction, so treat it as such.
- Try one lender after another until you get your loan. To improve your position as you change bankers and banks, the best way is to ask for a referral from a successful entrepreneur.
- Remember that the first loan is usually the hardest to get. Bankers prefer to lend money to borrowers who have at least one borrowed and are paid back at least one loan at a time. They are not venture capitalists who make high-risk loans, regardless of income prospects for your business. Bankers prefer to lend low-risk, low-profit venture, but high-risk businesses, or those with no record of accomplishment.
tag: Here are twelve basic steps, the bank for business, getting, Bankers
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