Posts Tagged ‘interest rate’
where did the additional funds go?! (kind of long, please answer!)?
My husband refinanced our home with wells fargo financial (NOT the same as the actual Wells Fargo, we found out a few weeks ago) on a 12 year note in 2008. it was originally a 30 year term. we had been dating for about 6 months, so it was really none of my business at the time. the payment went from a little under 500 per month to 950.80 per [...]
What is the best retail credit card that can help build and repair my credit?
I am in the process of repairing bad credit and building good credit. I have contacted debt collection agencies and have gotten a couple of my negative hits removed completely. From what I have read, one of the best ways to start building good credit is by obtaining a retail credit card. I am not concerned about the interest rate, I am looking for [...]
Do I pay off my credit card or pay down my unsecured personal line of credit?
I have both an unsecured personal line of credit and a credit card with basically the same interest rate. My credit card utilization is at 30% while I have utilized 87% of my line of credit. If I want to improve my credit score the quickest, do I focus on paying off my credit card or focus on paying my line of credit down to 30%?
For those who think that corporations should have the same rights as individuals and that it is in our?
best interest to protect corporate profits over the welfare on the individual, have you ever tried dealing with your cell phone provider? If you think that corporate American is your buddy, here is a good example for you. My cell phone provider billed me 00.00 for one month, denied responsibility for three weeks and caused me to spend 34 [...]
What would be my best bet for paying down credit card debt?
For the first time ever I have an excess of student loans available this semester totaling 00. I decided to take the extra. The interest rate will be between 6-8% so it is much lower than my credit cards which range from 17.9%-22.24%. My thought process was to pay off some of my higher interest debt with the 00. I have 4 lower balance credit cards [...]
Personal loan to consolidate overseas debt?
My partner has a debt in the UK - a credit card at approx 12% and a personal loan at approx 21%. He is immigrating to Australia where we are looking to take out a loan to pay it out in pounds, so we can pay it off in the country we are living in. The interest rate here is somewhere between 13-16%. I think this would be a better option because [...]
$43,000 in Credit Debt and Growing…?
I have a credit card with around ,000 worth of debt at an interest rate of 11%. I used this credit card to purchase 50% of a business as I wasn't eligible for a small business loan since I'm acquiring a successful business instead of starting one from the ground up and have zero equity so this was my only option. Now that I've committed myself [...]
Can't open savings account due to no credit?
So I've had an HSBC online savings account for a couple years now. Their interest rate dropped to 1.85 recently, and the GMAC online savings rate is at 2.50%. So I figure I'll open a GMAC account, then keep 2/3 of my money in whichever has a better rate at a given time. I went thru GMAC's online application process, then today I call them [...]
FHA Loan instead of Conventional Loan because of No Credit?
I am recently looking to buy a house and went down to a bank for pre-approval process. The Mortgage consultant told me that i could not qualify for conventional loan because i did not have any credit. I have been solid financially and did not have the need to get credit cards and get credit and also was going to put down 15 % for the house i was [...]
What can I do with credit limit decrease?
I don't know what to do now. I am a small business owner and have or had a good credit. Banks were dying to lend me money. The economy were good back then and my business was doing pretty good. So, I got offers from my business and personal credit cards with 0 interest rates. I admit I took out some loans and line of credit to hire employees and [...]
Where can I get the best interest rate on a student loan (to be paid back in 2009)?
I'm in the process of going back to school and want to consolidate some credit card bills/loans, etc. I don't want to have to pay anything back until after I graduate from grad school (looks to be either December 2008 or May 2009). Any suggestions where I can get the best interest rate for a loan of anywhere from ,000-,000?
I just heard Obama was going to make TARP available for small business owners that need it?
My business has a line of credit with bank for a set interest rate a year that we use funds when we need them and pay back when we don't//////..just curious how Obama plan would work....I think it may come with too many restrictions.?? good point divine
10 points to the best answer!!!! i need a quick answer!!! credit card habits?!?!?
i work for First National Bank of Omaha. First National's Credit Card division is placing a lot of focus on "Innovation" for 2010. With all the government law changes, the banks profit margins are being squeezed. So First National is encouragin everyone to think innovative every day. With this effort, employees may be rewarded for ideas, [...]
My Credit Line Has Been Approved….?
i've got a call and the rep went like my platinum membership with the 00 small business CREDIT LINE has been approved and they wanted to see if i would've liked to activate the proccestin of it and he said the interest rate is zero and there ain't any kindda proccessing charges...i've never applied for one but i kindda need this and i really don't [...]
Can a credit card company raise your APR on a closed account if you made a late payment?
I recently chose to opt out of a higher interest rate on my credit card. They processed me opting out on the 13th. My next payment due date was the 16th. I was late, and it didn't go through until the 17th. Can they still raise my APR, because of the late payment, if I have closed the account?
How much equity will I gain on this real estate property?
I am looking to purchase a piece of raw land to build a commercial building that is going to cost around ,000,000 to build and that does include the cost of the land if I bought it outright. The land I am looking at, the owner is willing to Owner Finance it. I need 20% down payment on the bank loan so I need to put up 0,000 down payment on the [...]
what are current rates on late fees and interest on commercial mortgages?
I sold my building to someone 4 years ago. I gave him a 30 fixed mortgage at 7% interest with a 5% late fee and 5% interest on late payments. He now wants to refinance. But he was late on every payment during the 4 years. Sometimes 2, 3, up to 8 months late on his payments. I have no problems refinancing with him at 5.25%. But i wanted to know if [...]
Can or should I do this, and what other things should I do?
We just refinanced 2 rental properties from commercial loans to 30yr non owner occupied loans for a better interest rate. But now the deeds are back in our names than in our LLC. We want to protect our personal assets as much as possible and have been advised by our accountant to remove my name from our personal property deed, and to do a quit [...]
I have a commercial loan on an apartment building. What is a better deal for refinancing?
current terms are 10 year Amortization with a 5 yr balloon with an interest rate at 8.125% (approx 500,000) can refi with another lender with same terms with 8.00% (approx 480,000) or can refi with original bank at 7.625% with one year of the original note being paid down already?
Are there any mortgage companies willing to REFINANCE someone with a great credit score?
We own a plum commercial building in the middle of the best part of the downtown area of a small town. I have top credit---over 800. My sister has about 780. We want to refinance. Our interest rate is 8.5%. Are there any reputable companies that will refinance for a much better rate??
Want to refinance commercial bldg, but ALL banks want horrendous fees! Help!!?
I'm shocked. We live in a small town. Wanted to refinance our building to get a smaller interest rate. Called every bank, and they ALL want HUGE fees to refinance our commercial building. Appraisal: anywhere from 00-4000 that WE have to pay, with no control over who they get. A bunch of other fees on top. Plus give them the last three [...]
