Bank loans
Tue, 04/20/2010 - 08:14
by veggarden1980Having reading the previous post I am looking for a loan to. I am thinking about a nice conservatory at a cost of 15K.
Nothing to big nor to small.
I like the other person have been looking all over the place for a loan and gosh is there some deals about.
It would seem that there is a lot of places that are saying oh look we will lend you what you need just secure with your home and charge you a high rate of interest. I am amazed at how much you actually have to pay these outfits backs.
So after many hours of looking at different companies many that I have never heard of before I finally decided to have a look at four of the well known banks as I thought they would be a safer option and at least they have a branch in the high street you can go in and not some dodgy garden shed as an office.
So anyone going after a loan I personally would say stick with the major high street banks at least you can make contact with them. I used my own bank in the end as they came out best.
I have to admit it did pay to look around as I found out that there were many different deals on the market but I got one that was good for me.
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Bank Loans....?
I am having trouble trying to get a loan with major banks. I am trying to consolidate exitsting loan & credit card buy getting 1 loan. Does anybody know where or who are offering good loans (ideally - not having to have a current account with them) where i dont have to have perfect credit rating. (am only looking for aroung 2k)
Abbey National do a good loan rate and I dont think you need to have an account with them and I have heard that Halifax are quite good. I've always got my loans from the Yorkshire Bank but I have a current account with them. I would suggest giving them a call though and asking ! good luck.Bank loans - UK - is it possible to get a second loan or increase an existing loan?
My exising loan is with the Royal Bank of Scotland, I've paid off half of it over the last year, and I want to basically borrow the same amount again. Will they let me increase it or take a second loan?
I know I'll have to speak to the bank on monday, but just wondered if anybody has done this just to give me an idea?
It depends a lot on your credit history and current personal circumstances, as well as RBS's policies. Unfortunately without delving into all your details it is not possible for this question to be answered.
It might be an idea to shop around for loans though, as they are quite competitive among high street banks.Question about small bank loans and using my credit card abroad?
I'm with Halifax bank and I've book a Holiday to Faliraki for the 17th this month, but after my 7 day holiday is over I will continue stay out there to work for the rest of the summer, but I need a loan of £100 for a bit of spending money to keep me on my feet, could I do that with my bank? How will I pay it back while I'm abroad? Can I still use my credit card abroad?
Yes you can use your credit card in thousands of locations around the world. All banks take Visa and Mastercard Debit and Credit cards.
You would not get a bank loan for £100 from any bank. Loans are for long term over a period of years. What you could do is use your overdraft facility with your bank or ask for an overdraft facility of £100 from your bank. This way you can be overdrawn from your account by this much without penalty.
When you get paid work in Faliraki, you can have your wages paid directly into your bank in the UK so that it will cover any debt you have spent from your overdraft. You can speak to anyone who employs you to pay wages directly into your UK bank account. All they need is your account number and sort code to set this up.Bank loans on international Uni students?
So, everyone knows that you get a bank loan which you dont pay back till you get a decent job with a decent salary, for applying to uni. This is as a home student
my friend who wants to study in england now, who lives in portugal, wants to come here to study in Uni.
However the prices are already expensive... just wondering.. do international uni students get bank loans too? Or have to pay the full amount. What are the options?
International students do not get student loans as these are underwritten by the Great British Taxpayer. Moreover, you pay a higher tuition fee as home student fees are subsidised too. You will not get a student visa unless you can show you have the funds to pay the fees and to support yourself.
If you have lived for the last three years in Portugal and hold a Portuguese passport, you will be regarded as a home student and will be eligible for loans. Of course you will not need a student visa either.i cant afford loans due to unemployment, i have written to the bank but they keep ringing me, i feel ashamed?
i cant afford to pay my bank loan as i am unemployed, i have written to the bank to tell them but they keep ringing me and i am to embarrassed to answer. why don't they deal with it through letters.
They will continue to ring you until you make some sort of payment arrangement. I would ring the CAB for advice. In the mean time write to them explaining your situation with a token payment of £1.00 per week as you should pay something as opposed to nothing.What can you do about debts, for bank loans, if you have spinal surgery and cannot work for a year...you are?
not paying sickness insurance. Might the bank cancel your debt?
No.
You are legally bound to pay the debt.
If you chose not to take out insurance on the loan, that's not the bank's fault. It's your fault.what year did bank loans first start?
In the 16th century the goldsmith-bankers began to accept deposits,make loans and transfer funds.Why do bank loans ask what your loan is for?
Isnt that your own personal business?
No. There are different rates of interest because the risk differs according to the purpose of the loan. If you borrow for cosmetic surgery, there is no tangible asset(!) against which the bank could claim if you default. If you borrow to buy a computer for your business, then there's an asset which could at least realise some value if you default.What is the meaning of Bank Loans?
I am doing my Business Studies coursework. I need to know what the FULL MEANING of Bank Loan. Please give an example (if you can).
Bank loan is an amount of money loaned at interest by a bank to a borrower usually on collateral security for certain period of time.
Example, you borrow 1000 pounds from your bank to pay it back within 2 years on a 1% interest. When the amount borrowed is big you need to show the bank that you own a property or something of worth at least what you borrowed.UK dairy farms; subsidies, bank loans, transport improvements, developments in technology?
Please help. I need an answer for my geography project.
Sorry Marion but you will have to research this yourself. It is a huge subject.
Our local dairy farmer went out of business as the price paid for his milk was too low. Only the very large farms survive these days.
That is the best idea to have I think, as you can walk down the high street of any town or city find the first bank walk in and they will say there loan is the best.
This is what we did when we wanted to build the extra large double garage on the house but we made it in to a utility room as well.
I can tell you it got to be a bit of a headache at one point as we had so many different papers from banks. We took out 20K and did some of the work ourselfs but we still got a good repayment level each month and we could pay it off early if we wanted to at no extra charge.
So I guess it really dose pay to have a look at which banks are offering the best loan and if you know anyone who has or is doing the same ask them which bank they found to give the best deal. It's not that you need to know there money details just which service is better.
Darrell