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Mortgages In Crisis

Mortgages in​ Crisis?
Who would have thought it? Certainly noone in​ the​ offices here would have. Do you​ remember those credit card companies who were so keen to​ throw money and endless supplies of​ plastic cards at​ you? Well now they want it​ all back! if​ you​ have then youll no doubt be aware that theres no longer such a​ thing as​ a​ friendly loan. All those lenders that just a​ few years ago were so keen to​ throw funds at​ you​ now are insisting on​ conclusive proof that you​ have the​ means to​ pay them back. Some people are even finding that with a​ good credit rating,​ money in​ the​ bank and a​ healthy property they are having trouble getting a​ loan or​ credit card.
Is it​ the​ same for mortgages?
You betcha. Lenders are now nit picking at​ documentation and are even harder on​ appraisals with the​ chances of​ offering a​ 100% finance deal being less than slim. With the​ rise in​ rates it​ seems it​ is​ impossible or​ at​ best extremely hard to​ get a​ 100% equity loan any more. Worse still,​ should you​ decide to,​ with the​ possibility of​ falling house prices,​ borrowing against your ever shrinking equity isnt the​ best thing to​ do. We saw all this in​ the​ 80s and some people still arent learning their lesson.
And credit cards?
Same old story,​ banks are looking to​ sure up their footing and its the​ punter that pays the​ price to​ fund their revenue hike. So theres no coincidence that credit card terms are on​ the​ up too. So,​ if​ you​ take on​ board one thing from this article,​ then let it​ be this pay your bills on​ time and check your bill to​ see that your APR hasnt suddenly shot up while you​ werent looking. Youll probably be surprised at​ just how many people dont check their statements or​ online account.
OK,​ but what about that new car?
So Im sounding like a​ stuck record now,​ but a​ quick look through the​ finance deals on​ offer reveals the​ same growth in​ lending rates,​ take a​ look at​ only twelve months ago and compare the​ rates.
Simple answer is​ get a​ fixed rate payback scheme and stick with it. Loading yourself with a​ rate which could or​ more likely will go up over the​ next five years could end up crippling any free cash you​ have in​ your monthly pay packet,​ worse still you​ could end up wallowing in​ negative equity. it​ still pays to​ shop around whatever type of​ finance deal you​ are looking for and a​ lot of​ web sites have a​ friendly loan form to​ fill in​ which gives you​ a​ comparison snapshot of​ current deals.
With Christmas round the​ corner were all going to​ need all the​ cash we can get to​ buy presents and so on,​ but the​ important thing to​ remember,​ and this may be cliche,​ but a​ loan is​ most probably not just for Christmas and you​ could well end up with it​ for life or​ perhaps the​ rest of​ your mortgages life.

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