Money at one click
by Aisha Cristal
Owning a house means having security in the UK as the average value of a residential property in the UK is near about 200,000 pounds. Whenever you are lacking funds, there are loans available to help you out if you are a privileged homeowner. Having a residential property reinforces the assurance of security of cheap rates and easy terms in the UK. Several loan plans are available in the UK financial market to come out of the financial deficits at a lower rate of interest. When the lender feels assured, there is no problem in slashing the interest rate. The house of the borrower now stands as a helping pal in the times of deficit. Secured loans are a favourite choice of a large number of UK homeowners. And now, for the ease of the borrowers, these loans are available online also. These loans require you to pledge one of your residential properties as the security for your loans. This security plays as the guarantee of the borrower’s money and assures the borrower a good return in the shape of easy repayment terms as well as low and attractive rates of interest. These loan plans are advanced for a term ranging from 5 to 30 years while from these loans you can have an amount ranging from £ 5000 to 250,000. The amount in these loans goes upto 80% of the value of the property depending on the conditions. Online secured loans in the UK are available on-line, which is probably the greatest benefit of these loans since the e-lending option makes the loans cheap as well as fast. You can take these loans almost for any reason, be it debt consolidation, car buying, home improvement or business updating. Even you can opt for these loans UK to bear the costs of a holiday trip. Online secured loan plans are open to the bad credit holders too. They are given the loans with a hike in the rates of interest. Yet, this rate remains only slightly different because of the fierce competition prevailing among the lenders of the UK financial market. These loans have indeed come as a great relief for the UK borrowers who now can get their loans approved at only a few mouse clicks.
2008-01-24
Car insurance premiums on the rise
Car insurance premiums on the rise
by Alex Gregory
Cash-strapped consumers have been dealt another blow as they attempt to gain control of their finances with news that car insurance premiums are continuing to rise.
Research from AA insurance reveals that comprehensive car insurance premiums have risen by 2.4% in the last three months, while third-party, fire and theft cover rose by 1.4%.
The average annual comprehensive car insurance bill now stands at a staggering £629.04 according to the insurer, and the rise is being blamed on a 10% increase in personal injury claims and a rise in the cost of damage repairs.
Improved safety measures mean that you are now far less likely to be killed in a car accident - however, this in turn increases your chances of making a claim and has led to a rise in car insurance premiums.
It's the latest in a long line of discouraging financial news for consumers who have already seen mortgage rates rise after a succession of base rate hikes, loan rates increase following the credit-crunch and most recently a rise in energy bills due to a hike in wholesale gas prices.
However, all is not lost and drivers are urged to follow some simple steps to cut their car insurance bills.
The most important measure is to take a thorough search of the marketplace when your car insurance is up for renewal. By shopping around using the name of your vehicle manufacturer, such as Ford car insurance, drivers can make significant savings.
Driving safely will also help you to secure cheap car insurance. The fewer road convictions you have the better, while building up a no-claims discount can slash hundreds off your premium.
In addition, drivers are asked to enhance the security of their vehicles such as by parking their car in a garage overnight.
by Alex Gregory
Cash-strapped consumers have been dealt another blow as they attempt to gain control of their finances with news that car insurance premiums are continuing to rise.
Research from AA insurance reveals that comprehensive car insurance premiums have risen by 2.4% in the last three months, while third-party, fire and theft cover rose by 1.4%.
The average annual comprehensive car insurance bill now stands at a staggering £629.04 according to the insurer, and the rise is being blamed on a 10% increase in personal injury claims and a rise in the cost of damage repairs.
Improved safety measures mean that you are now far less likely to be killed in a car accident - however, this in turn increases your chances of making a claim and has led to a rise in car insurance premiums.
It's the latest in a long line of discouraging financial news for consumers who have already seen mortgage rates rise after a succession of base rate hikes, loan rates increase following the credit-crunch and most recently a rise in energy bills due to a hike in wholesale gas prices.
However, all is not lost and drivers are urged to follow some simple steps to cut their car insurance bills.
The most important measure is to take a thorough search of the marketplace when your car insurance is up for renewal. By shopping around using the name of your vehicle manufacturer, such as Ford car insurance, drivers can make significant savings.
Driving safely will also help you to secure cheap car insurance. The fewer road convictions you have the better, while building up a no-claims discount can slash hundreds off your premium.
In addition, drivers are asked to enhance the security of their vehicles such as by parking their car in a garage overnight.
2008-01-18
Personal Car Loans: Help Making The Loan-Drive Smooth
Personal Car Loans: Help Making The Loan-Drive Smooth
by Johns Tiel
Having a personal car is a dream for everyone. But, not everyone is having a car. Do you know the reason why this happens? Well, there might have been hundreds of reasons. Yet, may be they did not hear about personal car loans and that’s why they are not having a car.
Personal Car Loans are available to help you buying any car of any make, any model. Well, you can also buy a used car apart from buying a brand new one with the aid of these finances. And, you can get a whopping amount to aid your buy from the bag of this funding. You can take around 90% to 100% of your requirement from these finances while the repayment term flexes between 2 and 7 years.
Well, these loans are open to all. If you don’t have any problem in pledging the car as collateral, well, you can cheap rate loans with much flexible repayment terms from the pack of secured options under this category of car buying aids. Anyway, the unsecured options are no less and they talk of a plan where you are not to pledge anything as collateral. Only the rates of interest will be a bit higher in these finances. Yet, that will be within the modest limits.
There are again personal car loans available for the bad credit holders too with slightly changed interest rates which again remain moderate enough for the ease of bad credit holders.
To go online is the best way to grab a cheap deal in these finances. Applying online is free and no obligation is there also. There are many lenders flocked online. So finding cheap rates is also not a big deal. Personal car loans in fact are the easy finances that are able to put you in driving seat easily and you take a smooth drive on without facing snag on your way.
by Johns Tiel
Having a personal car is a dream for everyone. But, not everyone is having a car. Do you know the reason why this happens? Well, there might have been hundreds of reasons. Yet, may be they did not hear about personal car loans and that’s why they are not having a car.
Personal Car Loans are available to help you buying any car of any make, any model. Well, you can also buy a used car apart from buying a brand new one with the aid of these finances. And, you can get a whopping amount to aid your buy from the bag of this funding. You can take around 90% to 100% of your requirement from these finances while the repayment term flexes between 2 and 7 years.
Well, these loans are open to all. If you don’t have any problem in pledging the car as collateral, well, you can cheap rate loans with much flexible repayment terms from the pack of secured options under this category of car buying aids. Anyway, the unsecured options are no less and they talk of a plan where you are not to pledge anything as collateral. Only the rates of interest will be a bit higher in these finances. Yet, that will be within the modest limits.
There are again personal car loans available for the bad credit holders too with slightly changed interest rates which again remain moderate enough for the ease of bad credit holders.
To go online is the best way to grab a cheap deal in these finances. Applying online is free and no obligation is there also. There are many lenders flocked online. So finding cheap rates is also not a big deal. Personal car loans in fact are the easy finances that are able to put you in driving seat easily and you take a smooth drive on without facing snag on your way.
Bad Credit Used Car Loans �" Get A Car Even If You Have A Not So Good Financial Standing
Bad Credit Used Car Loans �" Get A Car Even If You Have A Not So Good Financial Standing
by apurva
Bad credit used car loans is a blessing to those who have bad credit score. For those who believe that a bad credit has lessened their credibility and reduced their chances of procuring a loan in future, used car loans with poor credit are there to cater to their needs. Lenders understand that your financial needs cannot be stopped just because you have bad credit. There has been a lot of change in the financial market and it has been beneficial to people. You need to know the basics to obtain these car loans.
At first you need to know where you stand in your credit score. But before that you might want to know what a credit score is. A credit score is the approximate fiscal credit value of the borrower. Calculated on a range from 300 �" 850, this determines whether a credit score is good or bad. But generally anything below 600 is considered as a bad credit score. CCJs, IVAS, arrears, bankruptcy, skipping payments, defaults, and delayed or non-payments are generally the common causes for it. So before you apply for poor credit car loans you should know your credit score. Though poor credit second-hand auto loans are for those who do not have a satisfactory credit, those who want to mend their credit record or build a record can also go for these types of car loans.
Before The Main Job:
The bad credit used car loans are available for any type of second-hand car models. So you might want to choose the car model before hand as this will give you an idea of how much you need as low credit auto loans. You should also be careful as you might face financial hurdles in choosing a car more than 5 years old. So go for one that is not as old as that.
Choosing The Lender:
While going for a poor credit loans there is a threat of more than required rate of interest being driven on you. So to avoid shoddy lenders surf through various online and offline lenders and get several auto loan quotes to compare. Easy online car loans tend to save money and precious time. Also check to see if the secured or the unsecured form suits you.
Student Car Loans:
These are also available in student car loan category. But remember it is good to be choosy at times.
One thing to keep in mind is your repayment capacity. There should be a balance in your repayment capacity and borrowed amount so that it offers you full benefit.
by apurva
Bad credit used car loans is a blessing to those who have bad credit score. For those who believe that a bad credit has lessened their credibility and reduced their chances of procuring a loan in future, used car loans with poor credit are there to cater to their needs. Lenders understand that your financial needs cannot be stopped just because you have bad credit. There has been a lot of change in the financial market and it has been beneficial to people. You need to know the basics to obtain these car loans.
At first you need to know where you stand in your credit score. But before that you might want to know what a credit score is. A credit score is the approximate fiscal credit value of the borrower. Calculated on a range from 300 �" 850, this determines whether a credit score is good or bad. But generally anything below 600 is considered as a bad credit score. CCJs, IVAS, arrears, bankruptcy, skipping payments, defaults, and delayed or non-payments are generally the common causes for it. So before you apply for poor credit car loans you should know your credit score. Though poor credit second-hand auto loans are for those who do not have a satisfactory credit, those who want to mend their credit record or build a record can also go for these types of car loans.
Before The Main Job:
The bad credit used car loans are available for any type of second-hand car models. So you might want to choose the car model before hand as this will give you an idea of how much you need as low credit auto loans. You should also be careful as you might face financial hurdles in choosing a car more than 5 years old. So go for one that is not as old as that.
Choosing The Lender:
While going for a poor credit loans there is a threat of more than required rate of interest being driven on you. So to avoid shoddy lenders surf through various online and offline lenders and get several auto loan quotes to compare. Easy online car loans tend to save money and precious time. Also check to see if the secured or the unsecured form suits you.
Student Car Loans:
These are also available in student car loan category. But remember it is good to be choosy at times.
One thing to keep in mind is your repayment capacity. There should be a balance in your repayment capacity and borrowed amount so that it offers you full benefit.
Keep Your Eyes Open For Attractive New Car Loan Rates
Keep Your Eyes Open For Attractive New Car Loan Rates
by apurva
If new car rates and loan options are appealing you, read on to find more about them. New car loans have the capacity to make your wildest dream come true. People are given an opportunity to own any kind of new model car with easier conditions at low interest rate car loan.
As new car rates are involved the money at stake is also large, so lenders prefer to secure the loan. The lenders opt for a common method of securing the loan that is holding the papers of the new car until the dues are fully paid. You can also place collateral with the borrower for security of the loan. The secured new car loans provide the amount needed at a lower rate of interest for a low cost financing. This lessens the pressure of debt. It comes in larger repayment duration and this extends the payment period over a long time and this also helps in lowering the monthly installments. You have to keep your repayment duration in mind while procuring the loan so you do not face the threat of debt.
It’s No Problem For Bad Credit:
Even if you have a poor credit you need not bother. It is because you have procured the loan either by placing collateral or by the new car you had intended to buy. You may face tight terms and conditions but a loan cannot be denied because of low credit.
Comparison Is Important:
Comparable new car loan rates can be gained by analyzing more than one quote. Instant car loans are possible online and many websites provide the facility of allowing you to compare the loan quotes of various lenders online. Now many details are available online. No matter where you are located, finding the rate for your new car is no hurdle. With just filling in information like loan amount, repayment period, car model and some personal information online auto loans are not a big problem.
For reasonable new car rates, you should balance the interest and the length of the payment. Shorter loans may appear to have lower rates but the monthly payment is relatively high. Choose the option you think would suit your budget.
Make High Down Payments:
Zero down payment and slight down payment options are available but making a high down payment will save money for you.
Pre-qualified for a car auto loan makes one eligible for a reduction in the cost of the automobile. It increases your credibility and you can negotiate for rebates, higher trade-in value and more. So make the most out of the auto loans rates.
by apurva
If new car rates and loan options are appealing you, read on to find more about them. New car loans have the capacity to make your wildest dream come true. People are given an opportunity to own any kind of new model car with easier conditions at low interest rate car loan.
As new car rates are involved the money at stake is also large, so lenders prefer to secure the loan. The lenders opt for a common method of securing the loan that is holding the papers of the new car until the dues are fully paid. You can also place collateral with the borrower for security of the loan. The secured new car loans provide the amount needed at a lower rate of interest for a low cost financing. This lessens the pressure of debt. It comes in larger repayment duration and this extends the payment period over a long time and this also helps in lowering the monthly installments. You have to keep your repayment duration in mind while procuring the loan so you do not face the threat of debt.
It’s No Problem For Bad Credit:
Even if you have a poor credit you need not bother. It is because you have procured the loan either by placing collateral or by the new car you had intended to buy. You may face tight terms and conditions but a loan cannot be denied because of low credit.
Comparison Is Important:
Comparable new car loan rates can be gained by analyzing more than one quote. Instant car loans are possible online and many websites provide the facility of allowing you to compare the loan quotes of various lenders online. Now many details are available online. No matter where you are located, finding the rate for your new car is no hurdle. With just filling in information like loan amount, repayment period, car model and some personal information online auto loans are not a big problem.
For reasonable new car rates, you should balance the interest and the length of the payment. Shorter loans may appear to have lower rates but the monthly payment is relatively high. Choose the option you think would suit your budget.
Make High Down Payments:
Zero down payment and slight down payment options are available but making a high down payment will save money for you.
Pre-qualified for a car auto loan makes one eligible for a reduction in the cost of the automobile. It increases your credibility and you can negotiate for rebates, higher trade-in value and more. So make the most out of the auto loans rates.
Car Loans : Tips on how to find car loans within one's budget
Car Loans : Tips on how to find car loans within one's budget
by Liza Mathers
Any person having a passion for cars would definitely love to possess a car and with the different types of simplified car loans that many financial institutions in U.K are offering these days, a person with financial constraints can also easily own a new car.
Any employed person in the U.K can own a car and it can be easily availed through the cheap car loans offered by the various financial institutions. In the U.K, basically, there are two types of popular car loans: secured and unsecured. A secured car loan is one in which the client will provide the lender with a collateral which can be taken back by the lender if the borrower does not fulfill his repayment commitments.
The interest rate for a secured loan is much lower than the normal rate. An unsecured loan is allotted by the lender without getting any collateral from the borrower and hence the interest rate for this type of car loan is much higher as it also covers the risk element. Listed below you will find a selection of tips on ways to get cheaper car loans in the U.K.
Down payment for the car loans:
It will be ideal for any borrower to make a substantial amount as down payment while buying a new car, as the higher the down payment amount the lower will be the amount that has to be repaid. By paying a good sum as down payment, one can ease the financial burden on himself as well as be able to ultimately save some money by reducing the rate of interest that he has to pay the lender. A proper prior assessment of the expenses that one will incur while buying a car will help in knowing the exact amount that he will be able to shell out as monthly repayments. Also, paying down payment will show the car loan lender that the borrower is capable of saving money and will be able to repay the loan without any delay.
Good credit score for cheap car loans:
The best way to get cheap car loans is to have a very good credit score. Most of the financial institutions will go through the credit history of the borrower and will provide the customer with a lower interest loan rate if they find that the borrower has a very good credit history. Nowadays, there are plenty of financial institutions that offer car loans to customers with bad credit history and the only glitch for the borrower is that the interest rate will be slightly higher than the normal rate.
The internet is probably the best source to get information about the different types of cheap car loans and personal finance available in the U.K. A borrower will be able to easily compare the interest rates of the loans offered by the different financial institutions online and will also be able to read about the consumer reviews of these companies. It will be ideal for a borrower to select the car loans from companies that offer best interest rates as well as best services
by Liza Mathers
Any person having a passion for cars would definitely love to possess a car and with the different types of simplified car loans that many financial institutions in U.K are offering these days, a person with financial constraints can also easily own a new car.
Any employed person in the U.K can own a car and it can be easily availed through the cheap car loans offered by the various financial institutions. In the U.K, basically, there are two types of popular car loans: secured and unsecured. A secured car loan is one in which the client will provide the lender with a collateral which can be taken back by the lender if the borrower does not fulfill his repayment commitments.
The interest rate for a secured loan is much lower than the normal rate. An unsecured loan is allotted by the lender without getting any collateral from the borrower and hence the interest rate for this type of car loan is much higher as it also covers the risk element. Listed below you will find a selection of tips on ways to get cheaper car loans in the U.K.
Down payment for the car loans:
It will be ideal for any borrower to make a substantial amount as down payment while buying a new car, as the higher the down payment amount the lower will be the amount that has to be repaid. By paying a good sum as down payment, one can ease the financial burden on himself as well as be able to ultimately save some money by reducing the rate of interest that he has to pay the lender. A proper prior assessment of the expenses that one will incur while buying a car will help in knowing the exact amount that he will be able to shell out as monthly repayments. Also, paying down payment will show the car loan lender that the borrower is capable of saving money and will be able to repay the loan without any delay.
Good credit score for cheap car loans:
The best way to get cheap car loans is to have a very good credit score. Most of the financial institutions will go through the credit history of the borrower and will provide the customer with a lower interest loan rate if they find that the borrower has a very good credit history. Nowadays, there are plenty of financial institutions that offer car loans to customers with bad credit history and the only glitch for the borrower is that the interest rate will be slightly higher than the normal rate.
The internet is probably the best source to get information about the different types of cheap car loans and personal finance available in the U.K. A borrower will be able to easily compare the interest rates of the loans offered by the different financial institutions online and will also be able to read about the consumer reviews of these companies. It will be ideal for a borrower to select the car loans from companies that offer best interest rates as well as best services
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